Table of contents
How much is car insurance in Bellmore?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Bellmore is about $34 a month cheaper than it is for the rest of New York.
On the other hand, drivers in Bellmore may pay higher rates than the rest of the country. It's around $84 more expensive for coverage in Bellmore than the average rates seen in 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. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, we've broken down the average rate for Bellmore residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Bellmore.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in Bellmore, where female drivers pay around $170 per month while male drivers pay about $161.
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 huge impact on your car insurance rates. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Bellmore with one accident will pay around $145 a month.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$273|
In terms of affordable coverage, the cheapest vehicles to insure in Bellmore are by and large trucks and vans, at $104 per month.
Car owners will see a monthly bill of about $192, while SUV owners usually pay around $154 a month.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is around 5 years old. In Bellmore, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$197|
Generally, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The cost of auto insurance in Bellmore reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $67 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$349|
Another factor taken into consideration is your housing situation. In Bellmore, homeowners can expect to pay around $22 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Bellmore, NY
Recent trends in car insurance for Bellmore drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Bellmore declined from 2016-2017, before increasing from 2018-2019. They finished down in 2020 at $151.
How does Bellmore compare to neighboring areas?
Why are car insurance rates in Bellmore different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers in the community
- Frequency of car accidents
- Access to off-street parking
- Rate of crime
- Area laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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.
But wait! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Bellmore.
Bellmore Insurance FAQs
What factors affect car insurance quotes in Bellmore?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
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 crime rates, parking situations, and local laws 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 however, 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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bellmore or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.