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How much is car insurance in Bellmore?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New York is about $39 a month more expensive than it is in Bellmore.
That being said Bellmore residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $79 more expensive to insure your vehicle in Bellmore compared to the average rate for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Bellmore, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've broken down the average rates for Bellmore to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may creep back up a bit in Bellmore.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance, in Bellmore men actually pay $155 per month for coverage while women pay $169.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Bellmore, having a single accident on your record will usually get you rates around $145 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$243|
In Bellmore, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $108 per month for auto insurance.
Car owners can expect to pay an average of around $181 a month for their policy, while SUVs usually cost around $154 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Bellmore are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$185|
On average, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Bellmore, the difference in rates based on relationship status can be as much as $55 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$270|
Another factor that comes into play is your housing situation. Drivers who own property in Bellmore can expect to pay around $25 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Bellmore, NY
Recent trends in car insurance for Bellmore drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
Auto insurance rates in Bellmore have been mixed as of late, they declined in 2016, rose in 2018, and dropped again in 2020, before finishing at $127 in 2021.
How does Bellmore compare to neighboring areas?
Why are car insurance rates in Bellmore different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local regulations
- Number of drivers in the region
- Crime rates
- Road Safety (total number of local car accidents)
- Availability of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Bellmore?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Bellmore.
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Bellmore Insurance FAQs
What factors affect car insurance quotes in Bellmore?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bellmore different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Bellmore?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bellmore?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bellmore or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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