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Get Cheap Car Insurance in Belmont, Lincoln, NE

We monitor insurance prices, helping the average driver in Belmont save up to 39.3% on car insurance.

 

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The Cheapest Minimum Coverage in Belmont

The chart below shows the cheapest car insurance company in Belmont for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by American Family Insurance, State Farm, and Progressive.

 
Belmont Insurer Monthly Cost
Farm Bureau $35
American Family Insurance $40
State Farm $40
Progressive $49

Savings for Every Kind of Belmont Driver

The table shows how much the average auto insurance customer in Belmont might save by following our recommendations.

Based on our extensive insurance data, we know the average Belmont driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $555 per year by choosing the right vehicle insurance company. Some Belmont residents are paying out over $1,413 extra every year for auto insurance in Belmont. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Belmont, Lincoln, NE Savings / Yr.
Drivers with good records
$555
Drivers with accidents
$417
Drivers with speeding tickets
$392
Drivers with a DUI conviction
$304
Young drivers
$1,341
Married drivers
$161
Drivers with bad credit
$741

Belmont Car Insurance vs. Lincoln

People living in Belmont pay an average of 0.88% less than the typical driver in the state. The average driver in Belmont can expect to pay about $580 per year, or $1,413 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Belmont for most people.

Car Insurance Prices by Belmont Neighborhood

Belmont, Lincoln, NE map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Belmont?

The map shows insurance prices in and around Belmont, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $128 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,487 to a low of $1,359. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Belmont.

Pick the Best Car Insurance Company for You in Belmont

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Belmont insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Belmont

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $555 over the average Belmont car insurance company.

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We use the average good driver, paying $72 per month, as our baseline for pricing in Belmont. Nationwide, Safeco Insurance, and Farmers Mutual of Nebraska are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Belmont drivers with accidents on their records

In Belmont getting into an accident will raise premiums an average 26% for a yearly cost of $1,922. That's $508 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Farmers Mutual of Nebraska, and American Family Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $417 over the competition.

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The best car insurance company for Belmont drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $392 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Belmont, tickets raise premiums on new quotes about $276. If you have a speeding ticket, we recommend State Farm, Geico, and Farmers Mutual of Nebraska for savings that beat the average insurance cost of $1,689 per year.

The best auto insurance for Belmont drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,042 per year in auto insurance premiums, which was $628 more than a driver with no major issues. State Farm, Progressive, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from American Family Insurance may cost the average person with a DUI about $304 less each year.

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The least expensive car insurance company for new and young drivers in Belmont

In Belmont, Farmers Mutual of Nebraska costs young drivers $1,341 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Belmont. With an average cost of $4,112 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farmers Mutual of Nebraska, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Belmont

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $110. Progressive, Nationwide, and Farm Bureau provided the largest discounts to couples living in Belmont.

Nationwide gave the largest car insurance discounts to married couples, averaging $161 saved each year compared to an average Belmont couple's premiums.

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The cheapest car insurance in Belmont for drivers with bad credit

People with poor credit saved an average of $741 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,119 every year. Premiums for people with poor credit were about $2,532 in Belmont. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Farmers Mutual of Nebraska.

The best Belmont car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Belmont, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Belmont.

Nationwide was the best company for customer service in Belmont according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Belmont, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Belmont. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Belmont

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 50% of Belmont residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Nationwide tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Belmont driver can expect to pay about $98 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Belmont, USAA has the best prices for good drivers, drivers with bad credit, drivers with speeding tickets, married couples, young drivers, drivers with a DUI conviction, and drivers with accidents.
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Auto Insurance Prices in and Around Belmont

What Influences the Cost of Car Insurance in Belmont?

On average, car insurance in Belmont is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Belmont is 21 minutes, which is a little less than average for a driver in the city.
  • Nebraska state insurance regulations may allow for lower prices.
  • An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Belmont are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Belmont is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Belmont is $48 per month for minimum coverage and $118 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Belmont driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Belmont with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.