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Finding the cheapest car insurance quotes in Bellefonte shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Bellefonte
The car insurance rate in Bellefonte is $1475 for a six-month policy, which is $214 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $841, making it a popular choice for budget-conscious drivers. Rates in Bellefonte 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.
At $841 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1126 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $1133
for six months, making it
the third cheapest auto insurance company in Bellefonte.
Bellefonte Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bellefonte, DE is Travelers, offering policies at just $841 for a six-month term. This is followed by USAA, which has an average six-month premium of $1126.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2683 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellefonte drivers find the best deals.
Way's key takeaways about car insurance in Bellefonte
The auto insurance costs in Bellefonte fall around $841 for six
months.
The cheapest auto insurance company in Bellefonte is Travelers.
Teen drivers pay the highest rate in Bellefonte at $1804 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Bellefonte
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 Bellefonte are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Bellefonte. Their Average 6 Month Premium is $410.
Encompass is the most
expensive at $688 for the same
period.
Cheapest Full Coverage Car Insurance in Bellefonte
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 Bellefonte is Travelers
at $142 per month and $841
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bellefonte,
DE
Get Your Car Insurance Quote in Bellefonte
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Average Car Insurance in Bellefonte 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 Bellefonte, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bellefonte, Delaware, may be increasing due to several external factors.
Delaware has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Bellefonte's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bellefonte
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
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Cheapest Car Insurance Rates for Teen Drivers in
Bellefonte,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Bellefonte at $326
per
month. At $10828 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Bellefonte.
As young drivers face the highest rates in Bellefonte, N/A
offers the cheapest auto insurance rates at $N/A 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 Bellefonte,
Travelers is
the cheapest car insurance provider. At $1314 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
Bellefonte is Allstate, offering
rates of around $2898 for six
months.
Save up to $971/yr on car insurance rates in Bellefonte.
Car Insurance Rates with An Accident in Bellefonte
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 Bellefonte, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bellefonte
The cheapest car insurance companies after an at-fault accident in
Bellefonte include Travelers
and USAA, offering $688
and $702,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4872.
Here is a list of driving violations that can increase your car
insurance rates in Bellefonte DE. For example, the car
insurance in Bellefonte
after a DUI increases to $1279 for a six
month policy. While the rate increases by $327 for a six-month policy in the case of
a speeding ticket.
Bellefonte auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1487
$248
One Med/PIP claim
$1487
$253
Two Med/PIP claims
$1522
$254
One comp claim
$1536
$261
Not-at-fault accident
$1564
$261
Two comp claims
$1577
$268
Failure to show documents
$1695
$283
Driving with expired registration
$1773
$302
Failure to wear a seat belt
$1773
$295
Child safety restraint
$1794
$305
Driving without lights
$1794
$298
Speeding 11 - 15 MPH over limit
$1814
$309
Speeding 6 - 10 MPH over limit
$1814
$302
Driving too slowly
$1828
$311
Speeding in school zone
$1828
$304
Cell phone violation
$1835
$312
Following too closely
$1835
$305
Speeding 16 - 20 MPH over limit
$1835
$312
Texting while driving
$1835
$305
At-fault accident - less than $1000
$1856
$316
Failure to stop at a red light
$1856
$309
Failure to yield
$1856
$316
Illegal turn
$1856
$309
Improper passing
$1856
$316
Wrong way/wrong lane
$1856
$309
Speeding 21 - 25 MPH over limit
$1877
$319
Passing school bus
$1905
$317
Open container
$2016
$343
At-fault accident - $1000-$2000
$2050
$342
At-fault accident - greater than $2000
$2071
$352
In 65 MPH zone
$2085
$347
Operating a vehicle without permission
$2127
$362
Reckless driving
$2683
$447
Refusal to submit to a chemical test
$2745
$467
Driving with a suspended license
$2759
$460
DUI
$2766
$470
Racing
$2801
$467
Leaving scene of an accident/hit and run
$2891
$491
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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 Bellefonte 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 Bellefonte.
The cheapest car insurance premiums in
Bellefonte are
offered by Travelers at $1140 for a six-month policy.
However, it can be as
expensive as $3503 with companies
like Nationwide.
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 Bellefonte are offered by American Family
at $764. However,
it can be as expensive as $8625
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Bellefonte after Speeding ticket
Car Insurance Price Trends in Bellefonte,
Delaware
Car insurance rates in Bellefonte have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bellefonte remained steady at $384 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Bellefonte remained steady at $104 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Bellefonte by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Bellefonte. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Bellefonte?
The car insurance in Bellefonte is $69 per month, which is lower than the national average.
What is the cheapest car insurance in Bellefonte?
The cheapest car insurance in Bellefonte
is $142 per month
for full coverage.
How much is car insurance in Bellefonte for teenagers?
Car insurance for teenagers costs $1939 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
Bellefonte?
The average cost of car insurance is $1261 for a six-month
policy. It will cost around $248 per month to insure your
car in Bellefonte.
Is car insurance expensive in Bellefonte?
Car insurance can be expensive in Bellefonte if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bellefonte can be
affordable.
What is the best car insurance in Bellefonte,
DE?
The best car insurance company in Bellefonte
DE is
Travelers, offering $841 for a
six-month policy.
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Bellefonte Car Insurance
