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How much is car insurance in Belton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $14 a month cheaper to insure your vehicle in Belton than it is in the rest of Texas.
If you're thinking of moving to Belton from out of state, you may still be in luck. The average monthly payment in Belton is about $29 less than the rate for the rest of the United States.
Bear in mind that while these are the average car insurance rates for Belton, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
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. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Belton 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 car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to increase again in Belton.
Belton Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Belton, the difference comes out to about $6 per month. Looking at the table above, you can see that female drivers pay around $49 on average, while male drivers typically pay $55 each month.
Belton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Belton, a driving record with a single accident will usually get you a rate around $70 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $63.
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.
Belton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$52|
The cheapest vehicles to insure in Belton are by and large cars, with each type typically costing about $49 per month.
SUV owners, on the other hand, typically pay around $50 a month, while truck and van drivers can expect to pay about $57 per month for insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Belton are vehicles six-to-seven years old and eight-to-ten years old.
Belton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Belton is about $7 a month, with married couples paying less for coverage than single drivers.
Belton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $2 less than homeowners in Belton. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Belton, TX
Recent trends in car insurance for Belton 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.
The rates for auto insurance in Belton rose from 2017-2019, before steadying out in 2020. They finished down in 2022, at $50 a month
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 coverage, car insurance companies will review numerous factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Off-street parking access
- Local crime rates
- Rate of car accidents
- Total number of drivers
- Local laws
Having an awareness of these factors is critical 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 learn more.
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 to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Belton.
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Belton Auto Insurance FAQs
What factors affect car insurance quotes in Belton?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Belton different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Belton?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
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