Cheapest Car Insurance Quotes in Belleair Bluffs

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Belleair Bluffs Car Insurance

^$ 64

/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 Belleair Bluffs

The car insurance rate in Belleair Bluffs is $1723 for a six-month policy, which is $98 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1026, making it a popular choice for budget-conscious drivers. Rates in Belleair Bluffs 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 Belleair Bluffs

$1723

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Belleair Bluffs

1st place: Travelers

At $1026 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1146 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1253 for six months, making it the third cheapest auto insurance company in Belleair Bluffs.

Belleair Bluffs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Belleair Bluffs, FL is Travelers, offering policies at just $1026 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1146.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2531 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Belleair Bluffs drivers find the best deals.

Cheap Car Insurance Companies in Belleair Bluffs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1026	$173
State Farm	$1146	$193
Nationwide	$1253	$211
Progressive	$1328	$224
United Automobile Ins Group	$1448	$242
UAIC	$1587	$270
Allstate	$2587	$431
Mercury	$2733	$464
MetLife	$1593	$271
Farmers	$2531	$422

Key Takeaways

Way's key takeaways about car insurance in Belleair Bluffs

The auto insurance costs in Belleair Bluffs fall around $1026 for six months.
The cheapest auto insurance company in Belleair Bluffs is Travelers.
Teen drivers pay the highest rate in Belleair Bluffs at $1464 per month.

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Cheapest Minimum Liability Car Insurance in Belleair Bluffs

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 Belleair Bluffs are given below.

Travelers provides the cheapest minimum car insurance coverage in Belleair Bluffs. Their Average 6 Month Premium is $377. Farmers is the most expensive at $699 for the same period.

Cheapest Liability Coverage in Belleair Bluffs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$377	$64
State Farm	$409	$69
Mercury	$454	$76
Nationwide	$504	$86
MetLife	$529	$88
AIG	$591	$101
Progressive	$743	$125
United Automobile Ins Group	$762	$129
UAIC	$825	$138
Allstate	$944	$159
Patrons Insurance	$133	$22
Farmers	$699	$117

Cheapest Full Coverage Car Insurance in Belleair Bluffs

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 Belleair Bluffs is Travelers at $173 per month and $1026 for six months.

Cheapest Full Coverage Car Insurance Quotes in Belleair Bluffs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1026	$173
State Farm	$1146	$193
Nationwide	$1253	$211
Progressive	$1328	$224
United Automobile Ins Group	$1448	$242
UAIC	$1587	$270
Allstate	$2587	$431
Mercury	$2733	$464
MetLife	$1593	$271
Farmers	$2531	$422

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Average Car Insurance in Belleair Bluffs 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 Belleair Bluffs, FL increasing?

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

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

Car Insurance Premiums by Age in Belleair Bluffs

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

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Cheapest Car Insurance Rates for Teen Drivers in Belleair Bluffs,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Belleair Bluffs at $95 per month. At $8607 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$573	$95
AIG	$775	$131
Travelers	$1688	$284
State Farm	$2028	$341
UAIC	$2701	$455
United Automobile Ins Group	$3570	$607
Allstate	$4407	$742
Progressive	$5673	$955
Mercury	$6712	$1130
Farmers	$8607	$1464

Teen Car Insurance Rates in FL by Age

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 Belleair Bluffs, Nationwide is the cheapest car insurance provider. At $686 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 Belleair Bluffs is Farmers, offering rates of around $3501 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$686	$117
Mercury	$749	$125
Direct General Insurance	$781	$133
UAIC	$1518	$253
Travelers	$1662	$280
Progressive	$2921	$487
Allstate	$5125	$871
State Farm	$5245	$875
Farmers	$3501	$596

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Car Insurance Rates with An Accident in Belleair Bluffs

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 Belleair Bluffs, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Belleair Bluffs

The cheapest car insurance companies after an at-fault accident in Belleair Bluffs include Nationwide and AIG, offering $724 and $925, respectively. Farmers is an expensive provider with an average six-month premium of $3532.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$724	$121
AIG	$925	$157
State Farm	$1077	$181
Travelers	$1096	$184
United Automobile Ins Group	$1883	$314
Mercury	$1945	$328
UAIC	$1971	$329
Progressive	$2581	$435
Allstate	$4596	$774
Farmers	$3532	$588

Belleair Bluffs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Belleair Bluffs FL. For example, the car insurance in Belleair Bluffs after a DUI increases to $995 for a six month policy. While the rate increases by $303 for a six-month policy in the case of a speeding ticket.

Belleair Bluffs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1933	$322
One Med/PIP claim	$1933	$329
Not-at-fault accident	$2090	$349
Two Med/PIP claims	$2148	$365
One comp claim	$2178	$364
Child safety restraint	$2185	$371
Failure to wear a seat belt	$2185	$365
Driving without lights	$2191	$372
Failure to show documents	$2191	$366
Speeding 6 - 10 MPH over limit	$2236	$381
Improper passing	$2242	$373
Passing school bus	$2242	$382
Wrong way/wrong lane	$2242	$373
Failure to stop at a red light	$2248	$383
Failure to yield	$2248	$374
Illegal turn	$2248	$383
Cell phone violation	$2255	$375
Driving with expired registration	$2255	$384
Following too closely	$2255	$375
Texting while driving	$2260	$385
Two comp claims	$2311	$385
Driving too slowly	$2324	$395
Speeding in school zone	$2324	$387
Speeding 11 - 15 MPH over limit	$2330	$396
In 65 MPH zone	$2412	$402
Speeding 16 - 20 MPH over limit	$2412	$410
Speeding 21 - 25 MPH over limit	$2424	$404
Open container	$2450	$417
Operating a vehicle without permission	$2450	$408
At-fault accident - less than $1000	$2657	$452
At-fault accident - $1000-$2000	$2701	$451
At-fault accident - greater than $2000	$2701	$459
Racing	$2921	$487
DUI	$2928	$498
Refusal to submit to a chemical test	$2928	$488
Driving with a suspended license	$2979	$507
Reckless driving	$3041	$507
Leaving scene of an accident/hit and run	$3073	$523

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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 Belleair Bluffs 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 Belleair Bluffs.

The cheapest car insurance premiums in Belleair Bluffs are offered by AIG at $681 for a six-month policy. However, it can be as expensive as $2878 with companies like Farmers.

Belleair Bluffs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$681	$116
Travelers	$1114	$188
Progressive	$1278	$215
State Farm	$1536	$259
Allstate	$2078	$350
UAIC	$2670	$445
Farmers	$2878	$479

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 Belleair Bluffs are offered by Nationwide at $591. However, it can be as expensive as $3073 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Belleair Bluffs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$591	$99
State Farm	$749	$126
Travelers	$850	$143
Allstate	$2229	$375
UAIC	$2437	$406
Progressive	$2985	$508
Farmers	$3073	$523

Car Insurance Price Trends in Belleair Bluffs, Florida

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

The average cost of full coverage in the Belleair Bluffs dipped by $271 in January compared to $293 of December. In other words, there has been an decrease by $22 when you compare January and December.

The average cost of liability insurance in the Belleair Bluffs dipped to $88 in January, compared to $89 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Belleair Bluffs?

The car insurance in Belleair Bluffs is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Belleair Bluffs?

The cheapest car insurance in Belleair Bluffs is $173 per month for full coverage.

How much is car insurance in Belleair Bluffs for teenagers?

Car insurance for teenagers costs $573 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 Belleair Bluffs?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $289 per month to insure your car in Belleair Bluffs.

Is car insurance expensive in Belleair Bluffs?

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

Cheapest Car Insurance Quotes in Belleair Bluffs

Why you can trust Way?

How Much Is Car Insurance in Belleair Bluffs

Avg. Car Insurance in Belleair Bluffs

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Belleair Bluffs

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Belleair Bluffs Car Insurance Rates by Company

Cheap Car Insurance Companies in Belleair Bluffs, FL

Way's key takeaways about car insurance in Belleair Bluffs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Belleair Bluffs

Cheapest Liability Coverage in Belleair Bluffs, FL

Cheapest Full Coverage Car Insurance in Belleair Bluffs

Cheapest Full Coverage Car Insurance Quotes in Belleair Bluffs, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Belleair Bluffs by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Belleair Bluffs, FL increasing?

Car Insurance Premiums by Age in Belleair Bluffs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Belleair Bluffs,FL

If you are in your twenties N/A is the best choice for car insurance in Belleair Bluffs.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Belleair Bluffs

Cheapest Car Insurance Companies after an At-Fault Accident in Belleair Bluffs

Belleair Bluffs Car Insurance Rates by Violation

Belleair Bluffs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Belleair Bluffs after a DUI

Belleair Bluffs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Belleair Bluffs after Speeding ticket

Car Insurance Price Trends in Belleair Bluffs, Florida

Average Car Insurance Cost in Belleair Bluffs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Belleair Bluffs, FL

Car Insurance Rates by State in the USA (2025 Update)

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