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Finding the cheapest car insurance quotes in Bellerive 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 Bellerive
The car insurance rate in Bellerive is $1793 for a six-month policy, which is $629 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $768, making it a popular choice for budget-conscious drivers. Rates in Bellerive 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 $768 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1033 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $1061
for six months, making it
the third cheapest auto insurance company in Bellerive.
Bellerive Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bellerive, MO is American Family, offering policies at just $768 for a six-month term. This is followed by USAA, which has an average six-month premium of $1033.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4381 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellerive drivers find the best deals.
Way's key takeaways about car insurance in Bellerive
The auto insurance costs in Bellerive fall around $768 for six
months.
The cheapest auto insurance company in Bellerive is USAA.
Teen drivers pay the highest rate in Bellerive at $2392 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Bellerive
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 Bellerive are given below.
USAA provides
the cheapest minimum car insurance
coverage in Bellerive. Their Average 6 Month Premium is $265.
Farmers is the most
expensive at $1574 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 Bellerive is American Family
at $131 per month and $768
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bellerive,
MO
Get Your Car Insurance Quote in Bellerive
Instantly!
Average Car Insurance in Bellerive 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 Bellerive, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bellerive, Missouri, may be increasing due to several external factors.
Missouri has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Bellerive's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bellerive
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
Bellerive,MO
If you are planning to get a car insurance policy for your teenage
dependent, Missouri Farm Bureau provides the cheapest car
insurance in the Bellerive at $65
per
month. At $14353 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Bellerive.
As young drivers face the highest rates in Bellerive, 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 Bellerive,
Kemper is
the cheapest car insurance provider. At $704 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
Bellerive is Farmers, offering
rates of around $8910 for six
months.
Save up to $971/yr on car insurance rates in Bellerive.
Car Insurance Rates with An Accident in Bellerive
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 Bellerive, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bellerive
The cheapest car insurance companies after an at-fault accident in
Bellerive include Missouri Farm Bureau
and Electric, offering $320
and $457,
respectively. Farmers is an expensive provider
with an average six-month premium of
$6248.
Here is a list of driving violations that can increase your car
insurance rates in Bellerive MO. For example, the car
insurance in Bellerive
after a DUI increases to $1244 for a six
month policy. While the rate increases by $430 for a six-month policy in the case of
a speeding ticket.
Bellerive auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2461
$410
One Med/PIP claim
$2461
$419
Not-at-fault accident
$2533
$422
One comp claim
$2552
$434
Two Med/PIP claims
$2552
$425
Two comp claims
$2717
$462
Failure to wear a seat belt
$2790
$465
Failure to show documents
$2800
$476
Child safety restraint
$2844
$474
Driving without lights
$2844
$484
Driving with expired registration
$2863
$477
Cell phone violation
$2881
$490
Driving too slowly
$2881
$480
Following too closely
$2881
$490
Speeding in school zone
$2881
$480
Failure to yield
$2891
$491
Speeding 11 - 15 MPH over limit
$2891
$482
Speeding 16 - 20 MPH over limit
$2891
$491
Speeding 6 - 10 MPH over limit
$2891
$482
Texting while driving
$2891
$491
Illegal turn
$2900
$484
Wrong way/wrong lane
$2900
$493
Failure to stop at a red light
$2909
$485
Improper passing
$2909
$494
Speeding 21 - 25 MPH over limit
$2909
$485
In 65 MPH zone
$2928
$497
Passing school bus
$2981
$497
Open container
$3074
$522
Operating a vehicle without permission
$3146
$525
At-fault accident - less than $1000
$3403
$579
At-fault accident - $1000-$2000
$3594
$599
At-fault accident - greater than $2000
$3594
$611
Refusal to submit to a chemical test
$3641
$607
DUI
$3705
$630
Driving with a suspended license
$3787
$631
Racing
$3879
$659
Leaving scene of an accident/hit and run
$3933
$656
Reckless driving
$3979
$676
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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 Bellerive 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 Bellerive.
The cheapest car insurance premiums in
Bellerive are
offered by Missouri Farm Bureau at $383 for a six-month policy.
However, it can be as
expensive as $8013 with companies
like Farmers.
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 Bellerive are offered by American Family
at $494. However,
it can be as expensive as $5562
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Bellerive after Speeding ticket
Car insurance rates in Bellerive have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bellerive rose by
$343 in January
compared to $200 of December. In other words, there has been an increase by $143 when you
compare January and December.
The average cost of liability insurance in the Bellerive rose to $86 in January,
compared to $74 in December.
This represents an increase of $12
when comparing January and December.
Average Car Insurance Cost in Bellerive 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
Bellerive. 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 Bellerive?
The car insurance in Bellerive is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Bellerive?
The cheapest car insurance in Bellerive
is $131 per month
for full coverage.
How much is car insurance in Bellerive for teenagers?
Car insurance for teenagers costs $383 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
Bellerive?
The average cost of car insurance is $1164 for a six-month
policy. It will cost around $302 per month to insure your
car in Bellerive.
Is car insurance expensive in Bellerive?
Car insurance can be expensive in Bellerive if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bellerive can be
affordable.
What is the best car insurance in Bellerive,
MO?
The best car insurance company in Bellerive
MO is
American Family, offering $768 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Bellerive, MO
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Bellerive Car Insurance
