Cheapest Car Insurance Quotes in Bellerose Terrace

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Bellerose Terrace Car Insurance

^$ 82

/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 Bellerose Terrace

The car insurance rate in Bellerose Terrace is $2165 for a six-month policy, which is $1007 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1032, making it a popular choice for budget-conscious drivers. Rates in Bellerose Terrace 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 Bellerose Terrace

$2165

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Bellerose Terrace

1st place: Kemper

At $1032 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1367 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1455 for six months, making it the third cheapest auto insurance company in Bellerose Terrace.

Bellerose Terrace Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bellerose Terrace, NY is Kemper, offering policies at just $1032 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1367.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3321 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellerose Terrace drivers find the best deals.

Cheap Car Insurance Companies in Bellerose Terrace, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1032	$176
New York Central Mutual Fire	$1367	$228
Progressive	$1455	$245
American Family	$1599	$269
NYCM	$1934	$325
USAA	$2143	$361
Erie	$2188	$368
Nationwide	$2388	$398
Travelers	$2433	$410
State Farm	$2899	$488
Allstate	$3243	$546
Chubb	$3321	$554

Key Takeaways

Way's key takeaways about car insurance in Bellerose Terrace

The auto insurance costs in Bellerose Terrace fall around $1032 for six months.
The cheapest auto insurance company in Bellerose Terrace is New York Central Mutual Fire.
Teen drivers pay the highest rate in Bellerose Terrace at $1670 per month.

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Cheapest Minimum Liability Car Insurance in Bellerose Terrace

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 Bellerose Terrace are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Bellerose Terrace. Their Average 6 Month Premium is $488. Preferred Mutual is the most expensive at $1288 for the same period.

Cheapest Liability Coverage in Bellerose Terrace, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$488	$82
NYCM	$578	$95
Kemper	$600	$103
American Family	$722	$122
Progressive	$744	$125
USAA	$956	$161
Erie	$1178	$200
Travelers	$1266	$211
Allstate	$1356	$230
State Farm	$1444	$241
Nationwide	$933	$155
Utica National	$1066	$181
Preferred Mutual	$1288	$215

Cheapest Full Coverage Car Insurance in Bellerose Terrace

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 Bellerose Terrace is Kemper at $176 per month and $1032 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bellerose Terrace, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1032	$176
New York Central Mutual Fire	$1367	$228
Progressive	$1455	$245
American Family	$1599	$269
NYCM	$1934	$325
USAA	$2143	$361
Erie	$2188	$368
Nationwide	$2388	$398
Travelers	$2433	$410
State Farm	$2899	$488
Allstate	$3243	$546
Chubb	$3321	$554

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Average Car Insurance in Bellerose Terrace 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 Bellerose Terrace, NY increasing?

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

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

Car Insurance Premiums by Age in Bellerose Terrace

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 Bellerose Terrace,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bellerose Terrace at $120 per month. At $9918 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$699	$120
American Family	$843	$142
NYCM	$1866	$314
Progressive	$2300	$387
New York Central Mutual Fire	$2433	$413
Erie	$4677	$780
USAA	$5143	$866
Travelers	$6764	$1139
Nationwide	$7042	$1197
Chubb	$7375	$1229
Allstate	$8486	$1429
State Farm	$9918	$1670

Teen Car Insurance Rates in NY 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 Bellerose Terrace, Kemper is the cheapest car insurance provider. At $1567 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 Bellerose Terrace is Progressive, offering rates of around $9386 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1567	$262
Nationwide	$2388	$406
Chubb	$2833	$477
USAA	$3443	$585
Erie	$3665	$617
American Family	$3721	$632
NYCM	$4166	$694
Allstate	$4542	$765
Mercury	$4632	$772
State Farm	$4787	$806
Travelers	$5543	$933
Progressive	$9386	$1580

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Bellerose Terrace.

Car Insurance Rates with An Accident in Bellerose Terrace

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 Bellerose Terrace, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bellerose Terrace

The cheapest car insurance companies after an at-fault accident in Bellerose Terrace include Kemper and American Family, offering $866 and $888, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1077.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$866	$144
American Family	$888	$150
Progressive	$1367	$230
NYCM	$1389	$234
New York Central Mutual Fire	$1644	$275
USAA	$1866	$314
Erie	$2388	$402
Chubb	$2710	$456
Allstate	$2921	$492
Travelers	$3011	$507
Nationwide	$3155	$525
State Farm	$3688	$621
Utica National	$1066	$181
Preferred Mutual	$1077	$180

Bellerose Terrace Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bellerose Terrace NY. For example, the car insurance in Bellerose Terrace after a DUI increases to $1333 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Bellerose Terrace auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2343	$391
One Med/PIP claim	$2343	$398
One comp claim	$2366	$395
Two comp claims	$2388	$406
Two Med/PIP claims	$2388	$398
Not-at-fault accident	$2399	$408
Failure to show documents	$2433	$406
Failure to wear a seat belt	$2444	$415
Driving with expired registration	$2467	$411
At-fault accident - less than $1000	$2478	$421
Cell phone violation	$2478	$413
Child safety restraint	$2478	$421
Driving without lights	$2478	$413
Failure to stop at a red light	$2478	$421
Failure to yield	$2478	$413
Following too closely	$2478	$421
Illegal turn	$2478	$413
Improper passing	$2478	$421
Passing school bus	$2478	$413
Texting while driving	$2478	$421
Wrong way/wrong lane	$2478	$413
Driving too slowly	$2500	$424
Speeding in school zone	$2500	$417
At-fault accident - $1000-$2000	$2510	$426
Speeding 11 - 15 MPH over limit	$2554	$426
Speeding 6 - 10 MPH over limit	$2554	$434
Operating a vehicle without permission	$2599	$434
Open container	$2633	$447
In 65 MPH zone	$2743	$458
Speeding 16 - 20 MPH over limit	$2777	$473
Speeding 21 - 25 MPH over limit	$2876	$479
At-fault accident - greater than $2000	$3099	$527
Reckless driving	$3310	$552
Racing	$3443	$585
Driving with a suspended license	$3566	$595
Refusal to submit to a chemical test	$3643	$619
DUI	$3676	$613
Leaving scene of an accident/hit and run	$3733	$634

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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 Bellerose Terrace 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 Bellerose Terrace.

The cheapest car insurance premiums in Bellerose Terrace are offered by American Family at $843 for a six-month policy. However, it can be as expensive as $4166 with companies like Chubb.

Bellerose Terrace car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$843	$142
Kemper	$888	$151
Progressive	$1144	$193
NYCM	$1733	$292
New York Central Mutual Fire	$1999	$333
USAA	$2278	$383
Travelers	$2977	$501
Allstate	$3521	$593
Erie	$3632	$606
Nationwide	$3944	$671
State Farm	$4144	$698
Chubb	$4166	$709

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 Bellerose Terrace are offered by American Family at $744. However, it can be as expensive as $4742 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bellerose Terrace after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$744	$123
Kemper	$744	$127
Progressive	$1077	$181
NYCM	$1745	$297
USAA	$2021	$337
Erie	$2366	$402
Nationwide	$2388	$398
Travelers	$2755	$468
State Farm	$3332	$555
Chubb	$3944	$671
Allstate	$4742	$791

Car Insurance Price Trends in Bellerose Terrace, New York

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

The average cost of full coverage in the Bellerose Terrace rose by $514 in January compared to $462 of December. In other words, there has been an increase by $52 when you compare January and December.

The average cost of liability insurance in the Bellerose Terrace dipped to $150 in January, compared to $159 in December. This represents an decrease of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bellerose Terrace?

The car insurance in Bellerose Terrace is $82 per month, which is lower than the national average.

What is the cheapest car insurance in Bellerose Terrace?

The cheapest car insurance in Bellerose Terrace is $176 per month for full coverage.

How much is car insurance in Bellerose Terrace for teenagers?

Car insurance for teenagers costs $699 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 Bellerose Terrace?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $363 per month to insure your car in Bellerose Terrace.

Is car insurance expensive in Bellerose Terrace?

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

Cheapest Car Insurance Quotes in Bellerose Terrace

Why you can trust Way?

How Much Is Car Insurance in Bellerose Terrace

Avg. Car Insurance in Bellerose Terrace

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Bellerose Terrace

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Bellerose Terrace Car Insurance Rates by Company

Cheap Car Insurance Companies in Bellerose Terrace, NY

Way's key takeaways about car insurance in Bellerose Terrace

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bellerose Terrace

Cheapest Liability Coverage in Bellerose Terrace, NY

Cheapest Full Coverage Car Insurance in Bellerose Terrace

Cheapest Full Coverage Car Insurance Quotes in Bellerose Terrace, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bellerose Terrace by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bellerose Terrace, NY increasing?

Car Insurance Premiums by Age in Bellerose Terrace

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bellerose Terrace,NY

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

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 Bellerose Terrace

Cheapest Car Insurance Companies after an At-Fault Accident in Bellerose Terrace

Bellerose Terrace Car Insurance Rates by Violation

Bellerose Terrace auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bellerose Terrace after a DUI

Bellerose Terrace car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bellerose Terrace after Speeding ticket

Car Insurance Price Trends in Bellerose Terrace, New York

Average Car Insurance Cost in Bellerose Terrace by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bellerose Terrace, NY

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

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