Cheapest Car Insurance Quotes in Bellaire

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Bellaire Car Insurance

^$ 53

/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 Bellaire

The car insurance rate in Bellaire is $1300 for a six-month policy, which is $62 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $830, making it a popular choice for budget-conscious drivers. Rates in Bellaire 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 Bellaire

$1300

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Bellaire

1st place: Mercury

At $830 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $861 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $867 for six months, making it the third cheapest auto insurance company in Bellaire.

Bellaire Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bellaire, TX is Mercury, offering policies at just $830 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $861.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1122 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bellaire drivers find the best deals.

Cheap Car Insurance Companies in Bellaire, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$830	$139
Texas Farm Bureau	$861	$146
AAA Texas	$867	$145
State Farm	$898	$151
USAA	$980	$165
Redpoint Insurance	$1023	$174
AAA	$1260	$210
Progressive	$1309	$221
Southern County Mutual	$1353	$226
Allstate	$2819	$475
Farmers	$2576	$438
Redpoint County Mutual	$1004	$171
Geico County Mutual	$1122	$191

Key Takeaways

Way's key takeaways about car insurance in Bellaire

The auto insurance costs in Bellaire fall around $830 for six months.
The cheapest auto insurance company in Bellaire is USAA.
Teen drivers pay the highest rate in Bellaire at $77 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bellaire

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 Bellaire are given below.

USAA provides the cheapest minimum car insurance coverage in Bellaire. Their Average 6 Month Premium is $312. Geico County Mutual is the most expensive at $350 for the same period.

Cheapest Liability Coverage in Bellaire, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$312	$53
Texas Farm Bureau	$324	$56
State Farm	$337	$57
Redpoint Insurance	$350	$60
Mercury	$405	$68
AAA	$449	$77
AAA Texas	$449	$75
Progressive	$462	$78
Allstate	$973	$164
Farmers	$1016	$169
Redpoint County Mutual	$337	$56
Geico County Mutual	$350	$60

Cheapest Full Coverage Car Insurance in Bellaire

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 Bellaire is Mercury at $139 per month and $830 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bellaire, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$830	$139
Texas Farm Bureau	$861	$146
AAA Texas	$867	$145
State Farm	$898	$151
USAA	$980	$165
Redpoint Insurance	$1023	$174
AAA	$1260	$210
Progressive	$1309	$221
Southern County Mutual	$1353	$226
Allstate	$2819	$475
Farmers	$2576	$438
Redpoint County Mutual	$1004	$171
Geico County Mutual	$1122	$191

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Average Car Insurance in Bellaire 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 Bellaire, TX increasing?

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

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

Car Insurance Premiums by Age in Bellaire

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 Bellaire,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Bellaire at $61 per month. At $462 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$356	$61
Southern County Mutual	$462	$77
Mercury	$499	$85
AAA Texas	$568	$95
USAA	$1428	$240
State Farm	$1521	$256
Texas Farm Bureau	$1597	$272
AAA	$2620	$437
Allstate	$4796	$807
Progressive	$6686	$1126
Farmers	$8407	$1429
Redpoint County Mutual	$343	$59
Geico County Mutual	$462	$77

Teen Car Insurance Rates in TX 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 Bellaire, Mercury is the cheapest car insurance provider. At $543 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 Bellaire is Farmers, offering rates of around $4266 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$543	$90
Foremost	$649	$110
AAA Texas	$692	$116
Dairyland	$804	$137
USAA	$1210	$202
Progressive	$1734	$292
AAA	$2102	$351
Allstate	$4946	$841
State Farm	$6455	$1076
Texas Farm Bureau	$1216	$207
Farmers	$4266	$726

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Car Insurance Rates with An Accident in Bellaire

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 Bellaire, TX, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bellaire include Redpoint Insurance and Southern County Mutual, offering $356 and $431, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $431.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$356	$59
Southern County Mutual	$431	$74
AAA Texas	$668	$111
State Farm	$717	$121
Mercury	$811	$135
USAA	$1035	$174
Texas Farm Bureau	$1347	$225
AAA	$2139	$363
Progressive	$2289	$385
Allstate	$4459	$751
Farmers	$7079	$1203
Redpoint County Mutual	$343	$57
Geico County Mutual	$431	$74

Bellaire Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bellaire TX. For example, the car insurance in Bellaire after a DUI increases to $823 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

Bellaire auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1347	$225
One Med/PIP claim	$1360	$231
One comp claim	$1428	$238
Not-at-fault accident	$1441	$245
Two Med/PIP claims	$1447	$242
Failure to show documents	$1497	$254
Driving with expired registration	$1509	$252
Two comp claims	$1521	$258
Cell phone violation	$1534	$256
Driving without lights	$1534	$260
Texting while driving	$1534	$256
Driving too slowly	$1540	$261
Speeding 11 - 15 MPH over limit	$1540	$257
Speeding 16 - 20 MPH over limit	$1540	$261
Speeding 6 - 10 MPH over limit	$1540	$257
Speeding in school zone	$1540	$261
Child safety restraint	$1547	$258
Failure to wear a seat belt	$1547	$263
In 65 MPH zone	$1553	$259
Failure to stop at a red light	$1559	$266
Failure to yield	$1559	$260
Following too closely	$1559	$266
Illegal turn	$1559	$260
Improper passing	$1559	$266
Speeding 21 - 25 MPH over limit	$1559	$260
Passing school bus	$1566	$267
Wrong way/wrong lane	$1566	$260
Operating a vehicle without permission	$1572	$268
At-fault accident - less than $1000	$1634	$272
Open container	$1840	$313
Driving with a suspended license	$1909	$318
Racing	$2021	$343
Reckless driving	$2021	$337
Leaving scene of an accident/hit and run	$2071	$352
At-fault accident - $1000-$2000	$2077	$347
Refusal to submit to a chemical test	$2139	$363
DUI	$2170	$362
At-fault accident - greater than $2000	$2258	$384

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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 Bellaire 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 Bellaire.

The cheapest car insurance premiums in Bellaire are offered by Mercury at $537 for a six-month policy. However, it can be as expensive as $3250 with companies like Farmers.

Bellaire car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$537	$89
Foremost	$605	$103
Dairyland	$662	$110
AAA Texas	$698	$119
State Farm	$917	$154
USAA	$1428	$240
Progressive	$1460	$246
Nationwide	$1765	$300
AAA	$3237	$540
Allstate	$3687	$621
Texas Farm Bureau	$1035	$176
Farmers	$3250	$542

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 Bellaire are offered by Mercury at $555. However, it can be as expensive as $3536 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bellaire after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$555	$92
State Farm	$573	$97
AAA Texas	$592	$99
USAA	$880	$149
AAA	$2139	$357
Progressive	$2283	$389
Allstate	$3468	$578
Texas Farm Bureau	$537	$91
Farmers	$3536	$602

Car Insurance Price Trends in Bellaire, Texas

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

The average cost of full coverage in the Bellaire rose by $227 in January compared to $217 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Bellaire rose to $74 in January, compared to $67 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bellaire?

The car insurance in Bellaire is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Bellaire?

The cheapest car insurance in Bellaire is $139 per month for full coverage.

How much is car insurance in Bellaire for teenagers?

Car insurance for teenagers costs $356 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 Bellaire?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $218 per month to insure your car in Bellaire.

Is car insurance expensive in Bellaire?

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

Cheapest Car Insurance Quotes in Bellaire

Why you can trust Way?

How Much Is Car Insurance in Bellaire

Avg. Car Insurance in Bellaire

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Bellaire

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Bellaire Car Insurance Rates by Company

Cheap Car Insurance Companies in Bellaire, TX

Way's key takeaways about car insurance in Bellaire

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bellaire

Cheapest Liability Coverage in Bellaire, TX

Cheapest Full Coverage Car Insurance in Bellaire

Cheapest Full Coverage Car Insurance Quotes in Bellaire, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bellaire by Rating Factor

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

Car Insurance Premiums by Age in Bellaire

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bellaire,TX

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

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 Bellaire

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

Bellaire Car Insurance Rates by Violation

Bellaire auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bellaire after a DUI

Bellaire car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bellaire after Speeding ticket

Car Insurance Price Trends in Bellaire, Texas

Average Car Insurance Cost in Bellaire by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bellaire, TX

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

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