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Finding the cheapest car insurance quotes in Belleville 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 Belleville
The car insurance rate in Belleville is $1470 for a six-month policy, which is $348 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1011, making it a popular choice for budget-conscious drivers. Rates in Belleville 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 $1011 for a six
month policy, New Jersey Manufacturers offers
the cheapest
auto
insurance rates in the city.
2nd place: NJM
NJM offers auto
insurance rates at $1207 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: New Jersey Skylands Insurance
New Jersey Skylands Insurance offers auto insurance
rates at $1222
for six months, making it
the third cheapest auto insurance company in Belleville.
Belleville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Belleville, NJ is New Jersey Manufacturers, offering policies at just $1011 for a six-month term. This is followed by NJM, which has an average six-month premium of $1207.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1331 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Belleville drivers find the best deals.
Way's key takeaways about car insurance in Belleville
The auto insurance costs in Belleville fall around $1011 for six
months.
The cheapest auto insurance company in Belleville is New Jersey Manufacturers.
Teen drivers pay the highest rate in Belleville at $1382 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 Belleville
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 Belleville are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Belleville. Their Average 6 Month Premium is $466.
National General is the most
expensive at $490 for the same
period.
Cheapest Full Coverage Car Insurance in Belleville
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 Belleville is New Jersey Manufacturers
at $172 per month and $1011
for six months.
Cheapest Full Coverage Car Insurance Quotes in Belleville,
NJ
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Average Car Insurance in Belleville 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 Belleville, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Belleville, New Jersey, may be increasing due to several external factors.
New Jersey has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Belleville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Belleville
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
NJM
$1005
30s
NJM
$781
40s
NJM
$723
50s
NJM
$667
60s
NJM
$614
Cheapest Car Insurance Rates for Teen Drivers in
Belleville,NJ
If you are planning to get a car insurance policy for your teenage
dependent, New Jersey Skylands Insurance provides the cheapest car
insurance in the Belleville at $119
per
month. At $8131 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in Belleville.
As young drivers face the highest rates in Belleville, NJM
offers the cheapest auto insurance rates at $1005 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 Belleville,
Amica Mutual is
the cheapest car insurance provider. At $855 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
Belleville is Farmers, offering
rates of around $7345 for six
months.
Save up to $971/yr on car insurance rates in Belleville.
Car Insurance Rates with An Accident in Belleville
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 Belleville, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Belleville
The cheapest car insurance companies after an at-fault accident in
Belleville include New Jersey Skylands Insurance
and NJM, offering $825
and $848,
respectively. National General is an expensive provider
with an average six-month premium of
$569.
Here is a list of driving violations that can increase your car
insurance rates in Belleville NJ. For example, the car
insurance in Belleville
after a DUI increases to $1651 for a six
month policy. While the rate increases by $227 for a six-month policy in the case of
a speeding ticket.
Belleville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1517
$253
One Med/PIP claim
$1525
$259
Not-at-fault accident
$1596
$266
One comp claim
$1611
$274
Two Med/PIP claims
$1619
$270
Speeding 6 - 10 MPH over limit
$1744
$296
Speeding 11 - 15 MPH over limit
$1751
$292
Two comp claims
$1751
$297
Failure to show documents
$1774
$296
At-fault accident - less than $1000
$1797
$305
Failure to wear a seat belt
$1821
$304
Driving too slowly
$1829
$310
Driving without lights
$1837
$307
Child safety restraint
$1868
$317
Driving with expired registration
$1868
$312
Wrong way/wrong lane
$1898
$322
Failure to yield
$1906
$318
Failure to stop at a red light
$1914
$325
Illegal turn
$1945
$325
Cell phone violation
$1969
$335
Texting while driving
$1969
$328
Speeding in school zone
$2000
$341
Operating a vehicle without permission
$2008
$334
Speeding 16 - 20 MPH over limit
$2008
$342
Improper passing
$2054
$342
Following too closely
$2062
$351
Passing school bus
$2147
$358
In 65 MPH zone
$2163
$368
Speeding 21 - 25 MPH over limit
$2234
$372
At-fault accident - $1000-$2000
$2295
$390
At-fault accident - greater than $2000
$2311
$385
Open container
$2583
$439
Reckless driving
$3027
$504
Leaving scene of an accident/hit and run
$3144
$534
DUI
$3168
$528
Refusal to submit to a chemical test
$3168
$538
Racing
$3175
$529
Driving with a suspended license
$3300
$561
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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 Belleville 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 Belleville.
The cheapest car insurance premiums in
Belleville are
offered by Plymouth Rock at $926 for a six-month policy.
However, it can be as
expensive as $6762 with companies
like Amica Mutual.
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 Belleville are offered by Plymouth Rock
at $848. However,
it can be as expensive as $3065
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Belleville after Speeding ticket
Car Insurance Price Trends in Belleville,
New Jersey
Car insurance rates in Belleville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Belleville rose by
$322 in December
compared to $318 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Belleville rose to $113 in December,
compared to $109 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in Belleville 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
Belleville. At $2939 for a
six-month policy, insuring
your car at 7109 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 Belleville?
The car insurance in Belleville is $77 per month, which is lower than the national average.
What is the cheapest car insurance in Belleville?
The cheapest car insurance in Belleville
is $172 per month
for full coverage.
How much is car insurance in Belleville for teenagers?
Car insurance for teenagers costs $701 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
Belleville?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $248 per month to insure your
car in Belleville.
Is car insurance expensive in Belleville?
Car insurance can be expensive in Belleville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Belleville can be
affordable.
What is the best car insurance in Belleville,
NJ?
The best car insurance company in Belleville
NJ is
New Jersey Manufacturers, offering $1011 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Belleville, NJ
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Belleville Car Insurance
