Cheapest Car Insurance Quotes in Bellemont

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Bellemont Car Insurance

^$ 38

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bellemont

The car insurance rate in Bellemont is $877 for a six-month policy, which is $56 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $441, making it a popular choice for budget-conscious drivers. Rates in Bellemont can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bellemont

$877

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Bellemont

1st place: Root Insurance Company

At $441 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $581 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $608 for six months, making it the third cheapest auto insurance company in Bellemont.

Bellemont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bellemont, AZ is Root Insurance Company, offering policies at just $441 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $581.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1022 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellemont drivers find the best deals.

Cheap Car Insurance Companies in Bellemont, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$441	$73
Auto-Owners Insurance Co	$581	$99
Farmers	$608	$102
Mercury	$625	$106
Hartford	$653	$109
Iowa Farm Bureau	$659	$112
Travelers	$698	$118
State Farm	$877	$148
Progressive	$904	$152
USAA	$910	$153
Auto-Owners	$978	$165
Allstate	$1050	$177
The Hartford	$1251	$209
CSAA	$1899	$322
Nationwide	$1022	$170

Key Takeaways

Way's key takeaways about car insurance in Bellemont

The auto insurance costs in Bellemont fall around $441 for six months.
The cheapest auto insurance company in Bellemont is Mercury.
Teen drivers pay the highest rate in Bellemont at $826 per month.

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Cheapest Minimum Liability Car Insurance in Bellemont

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bellemont are given below.

Mercury provides the cheapest minimum car insurance coverage in Bellemont. Their Average 6 Month Premium is $224. Allstate is the most expensive at $391 for the same period.

Cheapest Liability Coverage in Bellemont, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$224	$38
Travelers	$262	$44
Auto-Owners	$285	$48
Auto-Owners Insurance Co	$290	$50
Country Financial	$296	$49
USAA	$296	$50
Root Insurance Company	$302	$50
Farmers	$319	$55
Progressive	$324	$55
Iowa Farm Bureau	$335	$57
State Farm	$340	$57
Allstate	$391	$66

Cheapest Full Coverage Car Insurance in Bellemont

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bellemont is Root Insurance Company at $73 per month and $441 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bellemont, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$441	$73
Auto-Owners Insurance Co	$581	$99
Farmers	$608	$102
Mercury	$625	$106
Hartford	$653	$109
Iowa Farm Bureau	$659	$112
Travelers	$698	$118
State Farm	$877	$148
Progressive	$904	$152
USAA	$910	$153
Auto-Owners	$978	$165
Allstate	$1050	$177
The Hartford	$1251	$209
CSAA	$1899	$322
Nationwide	$1022	$170

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Average Car Insurance in Bellemont by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bellemont, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Bellemont, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bellemont's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bellemont

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$507
40s	USAA	$462
50s	USAA	$437
60s	USAA	$449
70s	USAA	$531

Cheapest Car Insurance Rates for Teen Drivers in Bellemont,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Bellemont at $45 per month. At $4959 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$268	$45
Travelers	$268	$45
Root Insurance Company	$307	$53
Progressive	$319	$53
USAA	$324	$55
Country Financial	$346	$57
State Farm	$346	$58
Allstate	$391	$66
Farmers	$391	$67
Auto-Owners Insurance Co	$397	$66
Iowa Farm Bureau	$414	$71
Auto-Owners	$2345	$391
CSAA	$4959	$826

Teen Car Insurance Rates in AZ by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Bellemont.

As young drivers face the highest rates in Bellemont, USAA offers the cheapest auto insurance rates at $507 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bellemont, Mercury is the cheapest car insurance provider. At $257 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bellemont is Hartford, offering rates of around $614 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$257	$43
Travelers	$324	$55
Root Insurance Company	$385	$64
Progressive	$391	$67
Country Financial	$414	$69
Farmers	$463	$79
Nationwide	$475	$79
Allstate	$530	$90
Iowa Farm Bureau	$603	$101
Hartford	$614	$104

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Car Insurance Rates with An Accident in Bellemont

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bellemont, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bellemont

The cheapest car insurance companies after an at-fault accident in Bellemont include Root Insurance Company and Country Financial, offering $380 and $385, respectively. CSAA is an expensive provider with an average six-month premium of $3082.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$380	$63
Country Financial	$385	$66
Auto-Owners Insurance Co	$452	$75
Travelers	$452	$76
State Farm	$603	$102
Noblr	$636	$108
Root	$693	$116
USAA	$731	$123
General Casualty	$866	$144
Progressive	$871	$147
Auto-Owners	$1240	$207
Farmers	$1278	$215
Mercury	$1329	$224
Allstate	$1356	$228
Farm Bureau Mutual (IA Group)	$1373	$229
Metromile	$1563	$266
General Agents Group	$1759	$293
Country	$1859	$316
The Hartford	$1971	$328
Encompass	$2021	$344
Nationwide	$2172	$362
Safeway	$2473	$420
Permanent General	$2674	$446
MetLife	$3048	$518
CSAA	$3082	$513

Bellemont Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bellemont AZ. For example, the car insurance in Bellemont after a DUI increases to $1133 for a six month policy. While the rate increases by $229 for a six-month policy in the case of a speeding ticket.

Bellemont auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1100	$183
One Med/PIP claim	$1100	$187
Not-at-fault accident	$1105	$184
One comp claim	$1151	$196
Two Med/PIP claims	$1151	$192
Two comp claims	$1195	$203
Failure to wear a seat belt	$1257	$210
Child safety restraint	$1307	$222
Driving without lights	$1307	$218
Failure to show documents	$1307	$222
Speeding 6 - 10 MPH over limit	$1329	$222
Driving too slowly	$1379	$234
Speeding 11 - 15 MPH over limit	$1379	$230
Speeding in school zone	$1379	$234
Driving with expired registration	$1390	$232
Speeding 16 - 20 MPH over limit	$1390	$236
Cell phone violation	$1396	$233
Failure to stop at a red light	$1396	$238
Failure to yield	$1396	$233
Following too closely	$1396	$238
Illegal turn	$1396	$233
Texting while driving	$1396	$238
Wrong way/wrong lane	$1396	$233
Improper passing	$1418	$242
Speeding 21 - 25 MPH over limit	$1435	$239
In 65 MPH zone	$1457	$248
Passing school bus	$1474	$245
At-fault accident - less than $1000	$1513	$258
Operating a vehicle without permission	$1591	$265
At-fault accident - $1000-$2000	$1636	$278
At-fault accident - greater than $2000	$1658	$276
Open container	$1742	$296
Reckless driving	$1932	$322
Driving with a suspended license	$1994	$339
DUI	$2233	$372
Refusal to submit to a chemical test	$2233	$380
Racing	$2283	$381
Leaving scene of an accident/hit and run	$2295	$390

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bellemont after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bellemont.

The cheapest car insurance premiums in Bellemont are offered by Mercury at $296 for a six-month policy. However, it can be as expensive as $1681 with companies like Nationwide.

Bellemont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$296	$51
Root Insurance Company	$335	$55
Country Financial	$419	$71
Travelers	$513	$86
Progressive	$519	$87
Hartford	$525	$87
State Farm	$553	$93
Farmers	$843	$142
USAA	$1122	$189
Allstate	$1664	$277
Nationwide	$1681	$286

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bellemont are offered by AutoOwners Insurance Co at $290. However, it can be as expensive as $391 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bellemont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$290	$50
State Farm	$296	$49
Travelers	$296	$51
Mercury	$319	$53
Progressive	$340	$58
Country Financial	$346	$57
Root Insurance Company	$380	$65
Farmers	$391	$65

Car Insurance Price Trends in Bellemont, Arizona

Car insurance rates in Bellemont have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bellemont rose by $114 in December compared to $111 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Bellemont rose to $51 in December, compared to $49 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bellemont?

The car insurance in Bellemont is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Bellemont?

The cheapest car insurance in Bellemont is $73 per month for full coverage.

How much is car insurance in Bellemont for teenagers?

Car insurance for teenagers costs $268 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bellemont?

The average cost of car insurance is $933 for a six-month policy. It will cost around $148 per month to insure your car in Bellemont.

Is car insurance expensive in Bellemont?

Car insurance can be expensive in Bellemont if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bellemont can be affordable.

What is the best car insurance in Bellemont, AZ?

The best car insurance company in Bellemont AZ is Root Insurance Company, offering $441 for a six-month policy.