Table of contents
How much is car insurance in Belton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Belton typically costs about $14 a month less than it does in the rest of Texas.
Likewise, car insurance rates in Belton are often favorable when viewed against the rest of the country. Auto insurance coverage in Belton is about $30 cheaper than it is for the rest of the United States.
While these are the average costs to insure your vehicle in Belton, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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 your monthly policy payment.
We've done the heavy lifting for you and broken down the average rate for Belton so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $41 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Belton may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Belton, the difference is around $6 per month. Looking at the table above, you can see that female drivers pay around $48 on average, while male drivers typically pay $54 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Belton with a single accident on their record will usually see rates around $67 a month. Similarly, drivers with one ticket will typically pay around $139 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$51|
According to the first table above, the cheapest vehicles to insure in Belton are by and large SUVs, at $46 per month.
Car owners can expect to pay an average of around $51 a month for their policy, while truck and van drivers are usually around $49 to insure each month.
You may also see different rates based on the age of your vehicle. 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. 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)||$53|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
The difference in rates based on relationship status in Belton can be as much as $5 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $1 less than homeowners in Belton. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Belton, TX
Recent trends in car insurance for Belton drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The cost of auto insurance coverage in Belton have been mixed as of late, it declined in 2016, rose in 2018, and dropped again in 2020, before finishing at $42 in 2021.
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 a lot of factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Off-street parking accessibility
- Rate of crime
- Community regulations
- Road safety
- Total drivers
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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.
Luckily, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering policies 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Belton 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, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Belton?
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 Belton?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Belton or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.