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Finding the cheapest car insurance quotes in Bellarthur 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 Bellarthur
The car insurance rate in Bellarthur is $879 for a six-month policy, which is $50 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $435, making it a popular choice for budget-conscious drivers. Rates in Bellarthur 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 $435 for a six
month policy, Erie offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $529 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $598
for six months, making it
the third cheapest auto insurance company in Bellarthur.
Bellarthur Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bellarthur, NC is Erie, offering policies at just $435 for a six-month term. This is followed by Progressive, which has an average six-month premium of $529.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1612 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellarthur drivers find the best deals.
Way's key takeaways about car insurance in Bellarthur
The auto insurance costs in Bellarthur fall around $435 for six
months.
The cheapest auto insurance company in Bellarthur is Erie.
Teen drivers pay the highest rate in Bellarthur at $552 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 Bellarthur
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 Bellarthur are given below.
Erie provides
the cheapest minimum car insurance
coverage in Bellarthur. Their Average 6 Month Premium is $189.
Allstate is the most
expensive at $598 for the same
period.
Cheapest Full Coverage Car Insurance in Bellarthur
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 Bellarthur is Erie
at $73 per month and $435
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bellarthur,
NC
Get Your Car Insurance Quote in Bellarthur
Instantly!
Average Car Insurance in Bellarthur 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 Bellarthur, NC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bellarthur, North Carolina, may be increasing due to several external factors.
North Carolina has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Bellarthur's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bellarthur
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
Bellarthur,NC
If you are planning to get a car insurance policy for your teenage
dependent, Progressive provides the cheapest car
insurance in the Bellarthur at $93
per
month. At $3311 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Bellarthur.
As young drivers face the highest rates in Bellarthur, 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 Bellarthur,
North Carolina Farm Bureau is
the cheapest car insurance provider. At $189 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
Bellarthur is Allstate, offering
rates of around $3822 for six
months.
Save up to $971/yr on car insurance rates in Bellarthur.
Car Insurance Rates with An Accident in Bellarthur
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 Bellarthur, NC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bellarthur
The cheapest car insurance companies after an at-fault accident in
Bellarthur include Progressive
and Erie, offering $567
and $579,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2997.
Here is a list of driving violations that can increase your car
insurance rates in Bellarthur NC. For example, the car
insurance in Bellarthur
after a DUI increases to $1959 for a six
month policy. While the rate increases by $233 for a six-month policy in the case of
a speeding ticket.
Bellarthur auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$604
$101
One Med/PIP claim
$604
$103
Not-at-fault accident
$611
$102
One comp claim
$623
$106
Two Med/PIP claims
$623
$104
Two comp claims
$642
$109
Failure to show documents
$711
$119
Child safety restraint
$788
$134
Driving without lights
$788
$131
Failure to wear a seat belt
$788
$134
Cell phone violation
$831
$139
Texting while driving
$831
$141
Speeding 6 - 10 MPH over limit
$837
$140
Driving with expired registration
$844
$143
Driving too slowly
$856
$143
Failure to stop at a red light
$856
$145
Failure to yield
$856
$143
Illegal turn
$856
$145
Open container
$856
$143
Operating a vehicle without permission
$856
$145
Wrong way/wrong lane
$856
$143
Speeding in school zone
$863
$146
At-fault accident - $1000-$2000
$869
$145
At-fault accident - less than $1000
$869
$147
In 65 MPH zone
$919
$154
Speeding 11 - 15 MPH over limit
$919
$156
Speeding 16 - 20 MPH over limit
$919
$154
Speeding 21 - 25 MPH over limit
$919
$156
Improper passing
$938
$157
Following too closely
$944
$161
At-fault accident - greater than $2000
$1013
$169
Passing school bus
$1152
$196
Reckless driving
$1165
$194
Driving with a suspended license
$1801
$306
Leaving scene of an accident/hit and run
$2531
$422
Refusal to submit to a chemical test
$2557
$435
DUI
$2563
$427
Racing
$2607
$443
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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 Bellarthur 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 Bellarthur.
The cheapest car insurance premiums in
Bellarthur are
offered by National General at $435 for a six-month policy.
However, it can be as
expensive as $6945 with companies
like Allstate.
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 Bellarthur are offered by North Carolina Farm Bureau
at $201. However,
it can be as expensive as $2474
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Bellarthur after Speeding ticket
Car Insurance Price Trends in Bellarthur,
North Carolina
Car insurance rates in Bellarthur have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bellarthur rose by
$126 in January
compared to $121 of December. In other words, there has been an increase by $5 when you
compare January and December.
The average cost of liability insurance in the Bellarthur dipped to $56 in January,
compared to $58 in December.
This represents an decrease of $2
when comparing January and December.
Average Car Insurance Cost in Bellarthur 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
Bellarthur. 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 Bellarthur?
The car insurance in Bellarthur is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Bellarthur?
The cheapest car insurance in Bellarthur
is $73 per month
for full coverage.
How much is car insurance in Bellarthur for teenagers?
Car insurance for teenagers costs $554 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
Bellarthur?
The average cost of car insurance is $829 for a six-month
policy. It will cost around $147 per month to insure your
car in Bellarthur.
Is car insurance expensive in Bellarthur?
Car insurance can be expensive in Bellarthur if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bellarthur can be
affordable.
What is the best car insurance in Bellarthur,
NC?
The best car insurance company in Bellarthur
NC is
Erie, offering $435 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Bellarthur, NC
Car Insurance Rates by State in the USA (2025 Update)
Bellarthur Car Insurance
