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Finding the cheapest car insurance quotes in Bel Aire 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 Bel Aire
The car insurance rate in Bel Aire is $1003 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $482, making it a popular choice for budget-conscious drivers. Rates in Bel Aire 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 $482 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $710 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American Family
American Family offers auto insurance
rates at $754
for six months, making it
the third cheapest auto insurance company in Bel Aire.
Bel Aire Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bel Aire, KS is AutoOwners Insurance Co, offering policies at just $482 for a six-month term. This is followed by Travelers, which has an average six-month premium of $710.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1600 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bel Aire drivers find the best deals.
Way's key takeaways about car insurance in Bel Aire
The auto insurance costs in Bel Aire fall around $482 for six
months.
The cheapest auto insurance company in Bel Aire is USAA.
Teen drivers pay the highest rate in Bel Aire at $800 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 Bel Aire
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 Bel Aire are given below.
USAA provides
the cheapest minimum car insurance
coverage in Bel Aire. Their Average 6 Month Premium is $166.
Encompass is the most
expensive at $248 for the same
period.
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 Bel Aire is AutoOwners Insurance Co
at $80 per month and $482
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bel Aire,
KS
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Instantly!
Average Car Insurance in Bel Aire 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 Bel Aire, KS increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bel Aire, Kansas, may be increasing due to several external factors.
Kansas has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Bel Aire's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bel Aire
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
20s
Nationwide
$795
30s
Nationwide
$683
40s
Nationwide
$553
50s
Nationwide
$506
60s
Nationwide
$483
70s
Nationwide
$524
Cheapest Car Insurance Rates for Teen Drivers in
Bel Aire,KS
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners Insurance Co provides the cheapest car
insurance in the Bel Aire at $38
per
month. At $4751 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Nationwide is
the best choice for car
insurance in Bel Aire.
As young drivers face the highest rates in Bel Aire, Nationwide
offers the cheapest auto insurance rates at $795 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 Bel Aire,
Iowa Farm Bureau is
the cheapest car insurance provider. At $414 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
Bel Aire is State Farm, offering
rates of around $4362 for six
months.
Save up to $971/yr on car insurance rates in Bel Aire.
Car Insurance Rates with An Accident in Bel Aire
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 Bel Aire, KS,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bel Aire
The cheapest car insurance companies after an at-fault accident in
Bel Aire include AutoOwners Insurance Co
and Electric, offering $210
and $296,
respectively. Encompass is an expensive provider
with an average six-month premium of
$340.
Here is a list of driving violations that can increase your car
insurance rates in Bel Aire KS. For example, the car
insurance in Bel Aire
after a DUI increases to $1056 for a six
month policy. While the rate increases by $235 for a six-month policy in the case of
a speeding ticket.
Bel Aire auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1211
$202
One Med/PIP claim
$1211
$206
Not-at-fault accident
$1242
$207
Two Med/PIP claims
$1297
$220
One comp claim
$1303
$217
Failure to show documents
$1341
$228
Two comp claims
$1353
$226
Failure to wear a seat belt
$1366
$232
Child safety restraint
$1402
$234
Driving with expired registration
$1402
$238
Driving without lights
$1402
$234
Speeding 6 - 10 MPH over limit
$1446
$245
Cell phone violation
$1464
$244
Driving too slowly
$1464
$249
Texting while driving
$1464
$244
Failure to yield
$1477
$251
Following too closely
$1477
$246
Illegal turn
$1477
$251
Wrong way/wrong lane
$1477
$246
In 65 MPH zone
$1483
$252
Speeding 11 - 15 MPH over limit
$1483
$248
Failure to stop at a red light
$1489
$253
Improper passing
$1489
$249
Speeding in school zone
$1489
$253
Speeding 16 - 20 MPH over limit
$1494
$250
Open container
$1507
$256
Operating a vehicle without permission
$1519
$254
Passing school bus
$1532
$260
Speeding 21 - 25 MPH over limit
$1532
$256
At-fault accident - less than $1000
$1551
$264
At-fault accident - $1000-$2000
$1711
$285
At-fault accident - greater than $2000
$1711
$291
Racing
$1891
$315
Reckless driving
$2051
$348
Driving with a suspended license
$2224
$370
Refusal to submit to a chemical test
$2248
$383
DUI
$2267
$378
Leaving scene of an accident/hit and run
$2360
$401
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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 Bel Aire 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 Bel Aire.
The cheapest car insurance premiums in
Bel Aire are
offered by Farmers Union Insurance at $408 for a six-month policy.
However, it can be as
expensive as $3274 with companies
like Farm Bureau.
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 Bel Aire are offered by Iowa Farm Bureau
at $271. However,
it can be as expensive as $3534
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Bel Aire after Speeding ticket
Car insurance rates in Bel Aire have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bel Aire rose by
$192 in December
compared to $191 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Bel Aire rose to $48 in December,
compared to $47 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Bel Aire 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
Bel Aire. 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 Bel Aire?
The car insurance in Bel Aire is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Bel Aire?
The cheapest car insurance in Bel Aire
is $80 per month
for full coverage.
How much is car insurance in Bel Aire for teenagers?
Car insurance for teenagers costs $229 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
Bel Aire?
The average cost of car insurance is $964 for a six-month
policy. It will cost around $168 per month to insure your
car in Bel Aire.
Is car insurance expensive in Bel Aire?
Car insurance can be expensive in Bel Aire if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bel Aire can be
affordable.
What is the best car insurance in Bel Aire,
KS?
The best car insurance company in Bel Aire
KS is
AutoOwners Insurance Co, offering $482 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Bel Aire, KS
Car Insurance Rates by State in the USA (2025 Update)
Bel Aire Car Insurance
