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How much is car insurance in Belton?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Belton is about $16 cheaper than it is in the rest of South Carolina.
Drivers relocating the Belton should take note of the differences in average rates. It's about $3 more for coverage in Belton than in the rest of the U.S.
Bear in mind that while these rates are the average costs for drivers in Belton, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Belton and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Belton drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Belton, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Belton with a single accident on their record will usually see rates around $109 a month. Likewise, drivers with one ticket will be looking at a rate of around $88 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$79|
The cheapest vehicles to insure in Belton are usually trucks and vans, with each type typically costing about $68 per month.
Car owners, on the other hand, typically pay around $84 a month, while SUV drivers can expect to pay about $87 per month for insurance coverage.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Belton, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$87|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
In Belton, the difference in rates based on relationship status can be as much as $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Belton. But those who live at home with their parents can expect to pay significantly 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 average costs.
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.
In Belton, auto insurance rates had been decreasing from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $84 a month
How does Belton compare to neighboring areas?
Why are car insurance rates in Belton different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Area crime rates
- Number of car accidents
- Access to off-street parking
- Amount of drivers in the community
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 Belton?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Belton.
Belton Insurance FAQs
What factors affect car insurance quotes in Belton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Belton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Belton?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Belton?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Belton 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?