Cheapest Car Insurance Quotes in Bellbrook

Finding the cheapest car insurance quotes in Bellbrook 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Bellbrook Car Insurance

^$ 20

/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 Bellbrook

The car insurance rate in Bellbrook is $691 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $221, making it a popular choice for budget-conscious drivers. Rates in Bellbrook 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 Bellbrook

$691

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Bellbrook

1st place: American Family

At $221 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $353 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $552 for six months, making it the third cheapest auto insurance company in Bellbrook.

Bellbrook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bellbrook, OH is American Family, offering policies at just $221 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $353.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1060 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellbrook drivers find the best deals.

Cheap Car Insurance Companies in Bellbrook, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$221	$37
Auto-Owners Insurance Co	$353	$59
Travelers	$552	$94
State Farm	$564	$94
Hastings Mutual	$575	$98
USAA	$580	$98
Erie	$602	$101
Nationwide	$635	$107
Central Mutual	$669	$113
Progressive	$696	$117
Auto-Owners	$751	$127
Farmers	$817	$137
Westfield	$962	$164
Cincinnati	$1005	$167
Grange	$1022	$174
Allstate	$1060	$179

Key Takeaways

Way's key takeaways about car insurance in Bellbrook

The auto insurance costs in Bellbrook fall around $221 for six months.
The cheapest auto insurance company in Bellbrook is American Family.
Teen drivers pay the highest rate in Bellbrook at $658 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 Bellbrook

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 Bellbrook are given below.

American Family provides the cheapest minimum car insurance coverage in Bellbrook. Their Average 6 Month Premium is $116. Allstate is the most expensive at $419 for the same period.

Cheapest Liability Coverage in Bellbrook, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$116	$20
Central Mutual	$127	$21
Auto-Owners Insurance Co	$139	$23
USAA	$160	$27
Erie	$171	$29
Westfield	$171	$29
State Farm	$182	$31
Progressive	$210	$35
Auto-Owners	$232	$39
Travelers	$232	$39
Nationwide	$282	$47
Farmers	$310	$51
Grange	$365	$62
Cincinnati	$387	$64
Allstate	$419	$71

Cheapest Full Coverage Car Insurance in Bellbrook

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 Bellbrook is American Family at $37 per month and $221 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bellbrook, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$221	$37
Auto-Owners Insurance Co	$353	$59
Travelers	$552	$94
State Farm	$564	$94
Hastings Mutual	$575	$98
USAA	$580	$98
Erie	$602	$101
Nationwide	$635	$107
Central Mutual	$669	$113
Progressive	$696	$117
Auto-Owners	$751	$127
Farmers	$817	$137
Westfield	$962	$164
Cincinnati	$1005	$167
Grange	$1022	$174
Allstate	$1060	$179

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Bellbrook Instantly!

Average Car Insurance in Bellbrook 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 Bellbrook, OH increasing?

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

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

Car Insurance Premiums by Age in Bellbrook

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	USAA	$528
30s	USAA	$374
40s	USAA	$339
50s	USAA	$313
60s	USAA	$329
70s	USAA	$399

Cheapest Car Insurance Rates for Teen Drivers in Bellbrook,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Bellbrook at $20 per month. At $3867 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$122	$20
USAA	$746	$126
Erie	$857	$144
Travelers	$1000	$168
Westfield	$1116	$188
Progressive	$1608	$271
Nationwide	$2050	$345
Auto-Owners	$2187	$365
Allstate	$2238	$377
State Farm	$2292	$382
Cincinnati	$2905	$494
Grange	$2933	$489
Farmers	$3867	$658

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Bellbrook.

As young drivers face the highest rates in Bellbrook, USAA offers the cheapest auto insurance rates at $528 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 Bellbrook, American Family is the cheapest car insurance provider. At $188 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 Bellbrook is AutoOwners, offering rates of around $2099 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$188	$32
Progressive	$691	$116
Nationwide	$795	$134
USAA	$812	$136
Grange	$823	$139
Erie	$840	$141
Westfield	$983	$166
Cincinnati	$1520	$253
Allstate	$1812	$308
Auto-Owners	$2099	$350

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Bellbrook

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 Bellbrook, OH, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bellbrook include Central Mutual and American Family, offering $127 and $143, respectively. State Farm is an expensive provider with an average six-month premium of $4243.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$127	$21
American Family	$143	$24
Auto-Owners Insurance Co	$221	$37
Erie	$392	$66
Westfield	$586	$99
Nationwide	$795	$134
Travelers	$851	$143
USAA	$1149	$193
Auto-Owners	$1193	$201
Grange	$1254	$213
Progressive	$1823	$307
Cincinnati	$1873	$318
Allstate	$2232	$376
State Farm	$4243	$722

Bellbrook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bellbrook OH. For example, the car insurance in Bellbrook after a DUI increases to $646 for a six month policy. While the rate increases by $143 for a six-month policy in the case of a speeding ticket.

Bellbrook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$680	$113
One Med/PIP claim	$696	$118
Not-at-fault accident	$707	$118
One comp claim	$724	$123
Two Med/PIP claims	$724	$121
Two comp claims	$757	$128
Failure to show documents	$763	$127
Driving without lights	$779	$132
Failure to wear a seat belt	$779	$130
Child safety restraint	$795	$135
Driving with expired registration	$795	$133
Driving too slowly	$823	$140
Speeding 11 - 15 MPH over limit	$823	$138
Speeding 6 - 10 MPH over limit	$823	$140
Speeding in school zone	$823	$138
Cell phone violation	$829	$141
Failure to yield	$829	$139
Following too closely	$829	$141
Illegal turn	$829	$139
Texting while driving	$829	$141
Wrong way/wrong lane	$829	$139
Failure to stop at a red light	$834	$142
Improper passing	$840	$140
Speeding 16 - 20 MPH over limit	$840	$143
At-fault accident - less than $1000	$868	$144
Passing school bus	$873	$149
Speeding 21 - 25 MPH over limit	$895	$149
In 65 MPH zone	$906	$154
At-fault accident - $1000-$2000	$1000	$166
At-fault accident - greater than $2000	$1005	$171
Open container	$1005	$167
Operating a vehicle without permission	$1011	$172
Reckless driving	$1282	$214
Racing	$1304	$221
Refusal to submit to a chemical test	$1304	$218
Driving with a suspended license	$1315	$223
DUI	$1326	$221
Leaving scene of an accident/hit and run	$1364	$232

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Bellbrook 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 Bellbrook.

The cheapest car insurance premiums in Bellbrook are offered by American Family at $143 for a six-month policy. However, it can be as expensive as $2458 with companies like Cincinnati.

Bellbrook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
Travelers	$458	$77
Progressive	$552	$93
Erie	$569	$96
USAA	$646	$109
State Farm	$889	$152
Nationwide	$1016	$171
Farmers	$1105	$188
Auto-Owners	$1420	$236
Allstate	$1453	$245
Grange	$1641	$273
Westfield	$2132	$363
Cincinnati	$2458	$410

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 Bellbrook are offered by American Family at $143. However, it can be as expensive as $1464 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Bellbrook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
Auto-Owners Insurance Co	$143	$24
Erie	$409	$69
Progressive	$569	$96
USAA	$586	$98
Westfield	$658	$111
Nationwide	$663	$112
Auto-Owners	$751	$127
Cincinnati	$1188	$198
Allstate	$1387	$236
Grange	$1464	$244

Car Insurance Price Trends in Bellbrook, Ohio

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

The average cost of full coverage in the Bellbrook rose by $139 in January compared to $111 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Bellbrook rose to $36 in January, compared to $33 in December. This represents an increase of $3 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Bellbrook?

The car insurance in Bellbrook is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Bellbrook?

The cheapest car insurance in Bellbrook is $37 per month for full coverage.

How much is car insurance in Bellbrook for teenagers?

Car insurance for teenagers costs $122 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 Bellbrook?

The average cost of car insurance is $743 for a six-month policy. It will cost around $116 per month to insure your car in Bellbrook.

Is car insurance expensive in Bellbrook?

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

Cheapest Car Insurance Quotes in Bellbrook

Why you can trust Way?

How Much Is Car Insurance in Bellbrook

Avg. Car Insurance in Bellbrook

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Bellbrook

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Bellbrook Car Insurance Rates by Company

Cheap Car Insurance Companies in Bellbrook, OH

Way's key takeaways about car insurance in Bellbrook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bellbrook

Cheapest Liability Coverage in Bellbrook, OH

Cheapest Full Coverage Car Insurance in Bellbrook

Cheapest Full Coverage Car Insurance Quotes in Bellbrook, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bellbrook by Rating Factor

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

Car Insurance Premiums by Age in Bellbrook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bellbrook,OH

If you are in your twenties USAA is the best choice for car insurance in Bellbrook.

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 Bellbrook

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

Bellbrook Car Insurance Rates by Violation

Bellbrook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bellbrook after a DUI

Bellbrook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bellbrook after Speeding ticket

Car Insurance Price Trends in Bellbrook, Ohio

Average Car Insurance Cost in Bellbrook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bellbrook, OH

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

Featured Blogs

Data Sources