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 $1924 for a six-month policy, which is $895 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

$1924

Avg. Car Insurance in New York

$1029

National Average

$1140

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 $1378 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, Allstate is the most expensive, with rates reaching $2876 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	$1378	$232
American Family	$1599	$269
NYCM	$1677	$282
Erie	$2010	$335
Nationwide	$2021	$344
USAA	$2033	$342
State Farm	$2521	$424
Travelers	$2655	$447
Allstate	$2876	$484

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 $1466 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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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	$511	$86
Kemper	$600	$99
Progressive	$711	$120
American Family	$722	$122
USAA	$877	$148
Nationwide	$933	$155
Erie	$1178	$200
State Farm	$1367	$230
Travelers	$1466	$247
Allstate	$1533	$258
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	$1378	$232
American Family	$1599	$269
NYCM	$1677	$282
Erie	$2010	$335
Nationwide	$2021	$344
USAA	$2033	$342
State Farm	$2521	$424
Travelers	$2655	$447
Allstate	$2876	$484

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$1053
30s	National Grange Mutual	$750
40s	National Grange Mutual	$722
50s	National Grange Mutual	$733
60s	National Grange Mutual	$789
70s	National Grange Mutual	$1083

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 $116 per month. At $8709 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	$116
American Family	$843	$142
NYCM	$1410	$237
Progressive	$2233	$376
New York Central Mutual Fire	$2433	$406
USAA	$4466	$752
Nationwide	$5833	$972
Travelers	$7220	$1216
Allstate	$7809	$1315
State Farm	$8709	$1466

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Bellerose Terrace.

As young drivers face the highest rates in Bellerose Terrace, National Grange Mutual offers the cheapest auto insurance rates at $1053 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 Bellerose Terrace, Chubb is the cheapest car insurance provider. At $1500 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 $9675 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1500	$251
Kemper	$1567	$266
Nationwide	$2021	$337
USAA	$2799	$477
NYCM	$2921	$486
Erie	$3166	$539
American Family	$3721	$621
Allstate	$3809	$641
State Farm	$3944	$664
Mercury	$4632	$787
Travelers	$4731	$797
Progressive	$9675	$1629

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
NYCM	$1077	$181
Erie	$1178	$200
Chubb	$1300	$217
Progressive	$1421	$239
New York Central Mutual Fire	$1644	$275
USAA	$1765	$297
Nationwide	$2655	$443
Allstate	$2678	$451
State Farm	$3233	$544
Travelers	$3287	$554
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 $3766 with companies like State Farm.

Bellerose Terrace car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$843	$142
Kemper	$888	$151
Progressive	$1077	$181
NYCM	$1356	$228
New York Central Mutual Fire	$1999	$333
USAA	$2132	$359
Allstate	$3166	$533
Travelers	$3254	$548
Nationwide	$3299	$550
State Farm	$3766	$634

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 $3820 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	$127
Kemper	$744	$123
Progressive	$922	$155
NYCM	$1232	$206
USAA	$1677	$286
Nationwide	$2311	$385
State Farm	$2500	$424
Travelers	$3654	$610
Allstate	$3820	$649

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 dipped by $462 in December compared to $464 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Bellerose Terrace dipped to $159 in December, compared to $165 in November. This represents an decrease of $6 when comparing December and November.

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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 $1029 for a six-month policy. It will cost around $324 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 National Grange Mutual 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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