Belton, SC Car Insurance

Drivers in Belton pay, on average, $85 a month for their car insurance. Read our guide below to learn more about your specific rates.
How does Belton compare to the surrounding area and the rest of South Carolina? How much can residents of Belton expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Belton?

Area Average Monthly Car Insurance Premium
Belton$85
SC$104
United States$81

Looking at the chart above, you can see it's around $19 a month cheaper to insure your vehicle in Belton than it is in the rest of South Carolina.

Conversely, Belton residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $4 more expensive than the national average to insure your vehicle in Belton.

While these numbers represent the average monthly payments for coverage in Belton, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Belton residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$152
25-34$80
35-44$72
45-54$73
55-64$63
65+$69

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $83 more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may start to rise again in Belton.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$84

On average, female drivers pay slightly less for car insurance than their male counterparts. In Belton, although women do pay a bit less on their monthly auto coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$111
Multiple Accidents$183
1 Ticket$113
Multiple Tickets$142

Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Belton, drivers with one accident on their record will experience rates around $111 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $113.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$87
4-5 Years$73
6-7 Years$78
8-10 Years$89
11-14 Years$90
15 Years or Older$83

The cheapest vehicles to insure in Belton are usually trucks and vans, with each type typically costing about $78 per month.

Car owners can expect to pay an average of around $87 a month for their policy, while SUVs usually cost around $86 a month to insure.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Belton, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$90
Married$75
Divorced$70
Widowed$63

Generally, those who are currently married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Belton can be as much as $15 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$87
Live with parents$100

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $7 a month more than drivers who own property in Belton. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Belton, SC

Recent trends in car insurance for Belton drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

The rates for car insurance in Belton had been increasing from 2017-2018, before leveling out in 2019. Policy premiums went up again, reaching a high of $93 in 2021, and finished down at $89 in 2022.

How does Belton compare to neighboring areas?

Why are car insurance rates in Belton different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Road Safety (how many accidents each locality has)
  • Off-street parking accessibility
  • Local laws
  • Crime
  • Number of drivers

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge 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 particular neighborhood.

How can I find the cheapest car insurance in Belton?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Belton.

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Belton Insurance FAQs

What factors affect car insurance quotes in Belton?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Belton different from other neighboring cities?

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Belton?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Belton?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Belton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes