Cheapest Car Insurance Quotes in Bellport

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Bellport Car Insurance

^$ 59

/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 Bellport

The car insurance rate in Bellport is $1369 for a six-month policy, which is $340 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $734, making it a popular choice for budget-conscious drivers. Rates in Bellport 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 Bellport

$1369

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Bellport

1st place: Kemper

At $734 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 $972 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $980 for six months, making it the third cheapest auto insurance company in Bellport.

Bellport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bellport, NY is Kemper, offering policies at just $734 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $972.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2046 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellport drivers find the best deals.

Cheap Car Insurance Companies in Bellport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$734	$125
New York Central Mutual Fire	$972	$162
Progressive	$980	$165
American Family	$1137	$192
NYCM	$1193	$201
Erie	$1430	$238
Nationwide	$1438	$245
USAA	$1446	$243
State Farm	$1793	$302
Travelers	$1889	$318
Allstate	$2046	$344

Key Takeaways

Way's key takeaways about car insurance in Bellport

The auto insurance costs in Bellport fall around $734 for six months.
The cheapest auto insurance company in Bellport is New York Central Mutual Fire.
Teen drivers pay the highest rate in Bellport at $1043 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 Bellport

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 Bellport are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Bellport. Their Average 6 Month Premium is $347. Preferred Mutual is the most expensive at $916 for the same period.

Cheapest Liability Coverage in Bellport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$347	$59
NYCM	$363	$61
Kemper	$427	$70
Progressive	$505	$85
American Family	$513	$86
USAA	$624	$105
Nationwide	$664	$110
Erie	$838	$142
State Farm	$972	$164
Travelers	$1043	$176
Allstate	$1091	$184
Utica National	$758	$129
Preferred Mutual	$916	$153

Cheapest Full Coverage Car Insurance in Bellport

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 Bellport is Kemper at $125 per month and $734 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bellport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$734	$125
New York Central Mutual Fire	$972	$162
Progressive	$980	$165
American Family	$1137	$192
NYCM	$1193	$201
Erie	$1430	$238
Nationwide	$1438	$245
USAA	$1446	$243
State Farm	$1793	$302
Travelers	$1889	$318
Allstate	$2046	$344

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Average Car Insurance in Bellport 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 Bellport, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Bellport, 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, Bellport's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bellport

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	$749
30s	National Grange Mutual	$533
40s	National Grange Mutual	$513
50s	National Grange Mutual	$521
60s	National Grange Mutual	$561
70s	National Grange Mutual	$770

Cheapest Car Insurance Rates for Teen Drivers in Bellport,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bellport at $82 per month. At $6194 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$497	$82
American Family	$600	$101
NYCM	$1003	$169
Progressive	$1588	$267
New York Central Mutual Fire	$1730	$289
USAA	$3176	$535
Nationwide	$4148	$692
Travelers	$5135	$865
Allstate	$5554	$935
State Farm	$6194	$1043

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 Bellport.

As young drivers face the highest rates in Bellport, National Grange Mutual offers the cheapest auto insurance rates at $749 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 Bellport, Chubb is the cheapest car insurance provider. At $1067 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 Bellport is Progressive, offering rates of around $6881 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1067	$178
Kemper	$1115	$189
Nationwide	$1438	$239
USAA	$1991	$339
NYCM	$2077	$346
Erie	$2252	$383
American Family	$2647	$442
Allstate	$2709	$456
State Farm	$2805	$472
Mercury	$3294	$560
Travelers	$3365	$567
Progressive	$6881	$1158

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Car Insurance Rates with An Accident in Bellport

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bellport

The cheapest car insurance companies after an at-fault accident in Bellport include Kemper and American Family, offering $616 and $632, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $766.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$616	$102
American Family	$632	$106
NYCM	$766	$129
Erie	$838	$142
Chubb	$924	$154
Progressive	$1011	$170
New York Central Mutual Fire	$1169	$196
USAA	$1256	$211
Nationwide	$1889	$315
Allstate	$1905	$321
State Farm	$2300	$387
Travelers	$2338	$394
Utica National	$758	$129
Preferred Mutual	$766	$128

Bellport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bellport NY. For example, the car insurance in Bellport after a DUI increases to $949 for a six month policy. While the rate increases by $151 for a six-month policy in the case of a speeding ticket.

Bellport auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1666	$278
One Med/PIP claim	$1666	$283
One comp claim	$1682	$281
Two comp claims	$1698	$289
Two Med/PIP claims	$1698	$283
Not-at-fault accident	$1706	$290
Failure to show documents	$1730	$289
Failure to wear a seat belt	$1738	$295
Driving with expired registration	$1754	$293
At-fault accident - less than $1000	$1762	$299
Cell phone violation	$1762	$294
Child safety restraint	$1762	$299
Driving without lights	$1762	$294
Failure to stop at a red light	$1762	$299
Failure to yield	$1762	$294
Following too closely	$1762	$299
Illegal turn	$1762	$294
Improper passing	$1762	$299
Passing school bus	$1762	$294
Texting while driving	$1762	$299
Wrong way/wrong lane	$1762	$294
Driving too slowly	$1778	$302
Speeding in school zone	$1778	$297
At-fault accident - $1000-$2000	$1785	$303
Speeding 11 - 15 MPH over limit	$1817	$303
Speeding 6 - 10 MPH over limit	$1817	$309
Operating a vehicle without permission	$1849	$309
Open container	$1873	$318
In 65 MPH zone	$1951	$326
Speeding 16 - 20 MPH over limit	$1975	$336
Speeding 21 - 25 MPH over limit	$2046	$340
At-fault accident - greater than $2000	$2204	$375
Reckless driving	$2354	$392
Racing	$2449	$416
Driving with a suspended license	$2536	$423
Refusal to submit to a chemical test	$2591	$440
DUI	$2615	$436
Leaving scene of an accident/hit and run	$2655	$451

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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 Bellport 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 Bellport.

The cheapest car insurance premiums in Bellport are offered by American Family at $600 for a six-month policy. However, it can be as expensive as $2679 with companies like State Farm.

Bellport car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$600	$101
Kemper	$632	$108
Progressive	$766	$129
NYCM	$964	$162
New York Central Mutual Fire	$1422	$237
USAA	$1516	$255
Allstate	$2252	$379
Travelers	$2314	$390
Nationwide	$2346	$391
State Farm	$2679	$451

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 Bellport are offered by American Family at $529. However, it can be as expensive as $2717 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bellport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$529	$90
Kemper	$529	$88
Progressive	$656	$110
NYCM	$876	$146
USAA	$1193	$203
Nationwide	$1644	$274
State Farm	$1778	$302
Travelers	$2599	$434
Allstate	$2717	$462

Car Insurance Price Trends in Bellport, New York

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

The average cost of full coverage in the Bellport dipped by $329 in December compared to $330 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Bellport dipped to $113 in December, compared to $117 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bellport?

The car insurance in Bellport is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Bellport?

The cheapest car insurance in Bellport is $125 per month for full coverage.

How much is car insurance in Bellport for teenagers?

Car insurance for teenagers costs $497 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 Bellport?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $230 per month to insure your car in Bellport.

Is car insurance expensive in Bellport?

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

Cheapest Car Insurance Quotes in Bellport

Why you can trust Way?

How Much Is Car Insurance in Bellport

Avg. Car Insurance in Bellport

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Bellport

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Bellport Car Insurance Rates by Company

Cheap Car Insurance Companies in Bellport, NY

Way's key takeaways about car insurance in Bellport

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bellport

Cheapest Liability Coverage in Bellport, NY

Cheapest Full Coverage Car Insurance in Bellport

Cheapest Full Coverage Car Insurance Quotes in Bellport, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bellport by Rating Factor

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

Car Insurance Premiums by Age in Bellport

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bellport,NY

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

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 Bellport

Cheapest Car Insurance Companies after an At-Fault Accident in Bellport

Bellport Car Insurance Rates by Violation

Bellport auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bellport after a DUI

Bellport car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bellport after Speeding ticket

Car Insurance Price Trends in Bellport, New York

Average Car Insurance Cost in Bellport by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bellport, NY

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

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