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Cheapest car insurance in Belleview, Florida (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Belleview, Florida.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Best car insurance companies in Belleview

Looking for the cheapest car insurance rates in Belleview? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm
in Belleview, FL is often cited as the cheapest car insurance company in the city and state, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five—
GEICO
,
Progressive
,
Allstate
,
USAA
, and
Liberty Mutual
—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Belleview rated the biggest companies, and how their rates stack up against each other.
Insurance Company
Overall Jerry rating
Average annual cost for full coverage
Average annual cost for minimum coverage
4.5
$2,281
$829
4.4
$2,518
$1,258
4.3
$1,721
$908
4.0
$1,802
$120
4.3
$1,972
$898
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

State Farm

Overall Jerry rating in Florida: 4.5
JD Power customer satisfaction: 833/1000
AM Best financial strength: A++
NAIC complaint index (September 2023): Slightly more than expected
Being such a large insurance provider, State Farm has a lot to offer their customers. Policyholders have the flexibility to sift through a healthy amount of coverage options so they can build the policy that’s best for them, all from a wide selection of local insurance agents. Though they scored a good number of complaints, State Farm in Belleview, Florida still scored high for customer satisfaction.
Read More
Real 5-star customer reviews:
“​​20 years I’ve never had a problem with them great customer service.” - Blake, FL
“Affordable rates.” - Samantha, FL
“Very satisfied with the customer service.” - Jose, FL

Allstate

Overall Jerry rating in Florida: 4.4
JD Power customer satisfaction: 832
AM Best financial strength: A+
NAIC complaint index (June 2023): Much more than expected
Allstate is one of the most popular insurers available. They come with a good number of discounts available and a wide range of coverage options and limits. Some pitfalls to be aware of, on the other hand, are slightly higher rates and lower than average claims processing and complaints scores. But overall, Allstate in Belleview, FL is a solid option.
Read More
Real 5-star customer reviews:
“Thanks for this. I've save a bunch and everything was quick and easy.” Allan, FL
“Very good coverage and great customer service.” Timm, FL
“Great.” Christina Rainwater, FL

Mercury

Overall Jerry rating in Florida: 4.2
JD Power customer satisfaction: 848/1000
AM Best financial strength: A+
NAIC complaint index: Lower than average
Mercury is a solid option for young drivers, or motorists with violations on their record. With a healthy amount of coverage options, all of which are known for their affordability, Mercury is a good choice for those in need of cheaper rates. Just keep in mind that they don’t have as many discounts in place as other providers and their customer service rating is on the low side.
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Real 5-star customer reviews:
“I have no issues with this insurance company.” Franco, FL
“Good cost, great service.” Stephanie, FL
“You need easy coverage? This is it!” Manny, FL

Nationwide

Overall Jerry rating in Texas: 4.0
JD Power customer satisfaction: 861/1000
AM Best financial strength: A+
NAIC complaint index (August 2023): Slightly higher than average
For the everyday motorist, Nationwide is a great option—they come equipped with a wide selection of coverage options, including affordable options for teen drivers and UBI coverage. While some policyholders reported being dissatisfied with the provider, Nationwide has lots to offer the average driver.
Read More
Real customer reviews:
“I feel comfortable with my insurance from Nationwide. I like that they are a premium carrier so I trust them, and it’s less expensive than other companies.” Michael, FL
“Great!” Clementina, FL
“Good so far ????” Tina, FL

Infinity

Overall Jerry rating in Florida: 4.3
JD Power customer satisfaction: N/A
AM Best financial strength: A-
NAIC complaint index: Slightly higher than average
If you’re in need of affordable coverage, even with a violation on your driving record, Infinity is a reliable place to turn. Their website and mobile app makes it easy to find the kind of coverage you need, especially with their highly customizable options. 
Read More
Real 5-star customer reviews:
“I am very pleased with this company. Thank you for your excellent service.” Kimberly, FL
“Great company. Awesome rate.” Grisel, FL
“We have not had to make a claim but I am happy with the price for comparable coverage.” George, FL

How to find the cheapest car insurance in Belleview

On average, car insurance in Belleview costs about $116 per month for minimum coverage liability insurance, and about $221 per month for full coverage insurance. Belleview drivers pay -- than the average rate in Florida.  
With hundreds of providers and thousands of
car insurance
products on the market, finding the right coverage—let alone the right price!—can be challenging.
Jerry
helps you compare quotes and makes finding
cheap car insurance in Florida
and Belleview quick and hassle-free! 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$147
Stella, 23
Zip: 34420
Ford Five Hundred SE
• State Minimum Liability
Mercury
$149
Luis, 38
Zip: 34420
Dodge Journey SXT
• State Minimum Liability
• Comp / Collision
Infinity
$197
Douglas, 39
Zip: 34420
Toyota Highlander Limited
• No Coverage Liability
Dairyland
$74
Myrtle, 64
Zip: 34420
Hyundai Elantra SE
• No Coverage Liability
coverageLast Updated Nov 22, 2024

Cheapest Belleview car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Belleview can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
Jonas, 25
94
35%
No
  • State Minimum Liability
  • Minimum Coverage
Alejandra, 34
77
24%
No
  • 100/300
  • Comp/Collision
Jean, 44
85
29%
No
  • State Minimum Liability
  • Minimum Coverage
Michelle, 54
97
38%
No
  • State Minimum Liability
  • Minimum Coverage
Eric, 64
67
22%
No
  • State Minimum Liability
  • Comp/Collision
Lower my car insurance too!

Best cheap car insurance quotes in Belleview

Florida’s car insurance laws
oblige drivers to carry a minimum amount of
personal injury protection (PIP)
and
property damage liability (PDL)
to legally drive. 
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense. 

Cheap minimum liability insurance quotes in Belleview

You need both PIP and PDL to drive in Belleview because Florida is a
no-fault state
. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage. 
If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Belleview.
card cover
Stella (23 years old)
coverageCoverage
State Minimum
locationBelleview, FL
(Zip Code: 34420)
carFord Five Hundred SE
$147
per month
card cover
Emilie (36 years old)
coverageCoverage
State Minimum
locationBelleview, FL
(Zip Code: 34420)
carHonda Accord LX
$184
per month
card cover
Gainsco
Lewis (28 years old)
coverageCoverage
State Minimum
locationBelleview, FL
(Zip Code: 34420)
carFord Explorer XLT
$130
per month

Do you need more than minimum coverage in Belleview?

The state's minimum liability coverage is insufficient for most Belleview drivers.
If you cause a serious injury to somebody else in {city}, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require bodily injury liability car insurance, you could be at serious risk of a lawsuit if the other driver's PIP runs out. The same goes for PDL.
Florida’s car accident laws
allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key. 
The bottom line: It's a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.

Cheap full coverage car insurance quotes in Belleview

Full coverage car insurance
is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both
collision
and
comprehensive coverage
. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• No Coverage Liability
• Comp / Collision
Progressive
$95
Jeffrey, 55
Zip: 34420
Toyota Corolla
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$109
Ella, 36
Zip: 34420
Chevrolet Equinox LS
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$164
Jeffery, 34
Zip: 34420
Ford Mustang
• No Coverage Liability
• Comp / Collision
Bristol West
$153
Zachary, 54
Zip: 34420
Acura TL
• No Coverage Liability
• Comp / Collision
The General
$363
Nicholas, 32
Zip: 34420
Nissan Rogue Sport S
coverageLast Updated Nov 24, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Belleview

Based on our experience working with thousands of Belleview insurance policyholders, minimum liability coverage costs an average of $116 per month or $1,391 per year, while full coverage insurance costs an average of $221 per month or $2,648 per year.
Note that the type of car you drive, your driving record, claim history, and demographics all play a role in how your insurance premiums are calculated. Although the average rates in Belleview can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.

Car insurance quotes in Belleview by rating factors 

Is car insurance calculated
at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Belleview car insurance:  
  • Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
  • Vehicle location: Some ZIP codes come with higher rates.
  • Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
  • Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
  • Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.

How do different factors impact your car insurance costs in Belleview?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Belleview:

Cheap car insurance quotes in Belleview after driving violations

Your
Florida driving record
can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or
reckless driving in Florida
makes it harder to find an affordable rate in Belleview, it’s not impossible. 

Cheapest car insurance in Belleview after speeding ticket

Florida speeding tickets come in several different flavors, each with a different amount of driver violation points:
  • 1-5 MPH over limit: No points
  • 6-9 MPH over limit: 3 points
  • 10-14 MPH over limit: 3 points
  • 15-19 MPH over limit: 4 points
  • 20-29 MPH over limit: 4 points
  • 30 MPH or more over limit: 4 points and mandatory court appearance
The more severe the offense, the more you’ll pay for car insurance. In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in Belleview.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Travelers
$84
Micheal, 35
Zip: 34421
Mercedes-Benz C
• State Minimum Liability
Speeding 6-10
Nationwide
$52
Benjamin, 42
Zip: 34421
Pontiac Solstice
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 23, 2024

Cheapest car insurance in Belleview after DUI

Committing a
DUI in Florida
can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Belleview even after a DUI conviction.
card cover
Tillie (33 years old)
coverageCoverage
State Minimum
locationBelleview, FL
(Zip Code: 34420)
carChevrolet Colorado
$92
per month

Cheapest car insurance in Belleview after an at-fault accident

Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in Belleview could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$109
Nathaniel, 63
Zip: 34420
Hyundai Elantra SE
• No Coverage Liability
Not At Fault
National General
$114
Wesley, 36
Zip: 34420
Ford Escape Titanium
• State Minimum Liability
At Fault With No Injury
Safeco
$263
Carlos, 45
Zip: 34420
Chrysler 200 Limited
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 23, 2024

Cheapest car insurance in Belleview after other driving violations

Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Belleview, including careless driving, driving without a license, and reckless driving.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Stop
Progressive
$254
Nancy, 29
Zip: 34420
Nissan Titan S
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
National General
$295
Gilbert, 34
Zip: 34420
RAM 1500 BIG Horn/lone Star
• 100,000/300,000 Liability
• Comp / Collision
Improper Passing
Dairyland
$321
Carolyn, 33
Zip: 34420
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 22, 2024

Cheap car insurance quotes in Belleview by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates. 
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.

Cheapest car insurance in Belleview for young drivers

In Belleview, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group. 
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
card cover
Stella (23 years old)
coverageCoverage
State Minimum
locationBelleview, FL
(Zip Code: 34420)
carFord Five Hundred SE
$147
per month

Cheapest car insurance in Belleview for senior drivers

Similar to teenage drivers,
car insurance rates for senior drivers
are typically higher than the national average. Insurers consider senior drivers high-risk because:
  • Senior drivers have a higher likelihood of being involved in car accidents 
  • Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
card cover
Estella (78 years old)
coverageCoverage
State Minimum
locationBelleview, FL
(Zip Code: 34420)
carChevrolet Malibu 1LT
$80
per month

Cheap car insurance quotes in Belleview based on insurance history

If you've had a car insurance lapse or you're currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they're late on their payments.
We've helped many customers in Belleview who are currently uninsured or have had a lapse in coverage find affordable insurance options.
card cover
Stella (23 years old)
coverageCoverage
State Minimum
carFord Five Hundred SE
$147
per month

Cheap car insurance quotes in Belleview for drivers with poor credit

While your credit rating doesn't necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. Belleview drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores. 
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to Belleview drivers with poor credit, taking the stress out of comparison shopping.
Here’s how drivers with low credit scores saved with Jerry.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Travelers
$109
Nell, 35
Zip: 34420
Chevrolet Equinox LS
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Progressive
$106
Lola, 28
Zip: 34420
Ford Mustang
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$106
Gerald, 28
Zip: 34420
Ford Mustang
• State Minimum Liability
• Comp / Collision
550 - 659
Safeco
$200
Mittie, 46
Zip: 34420
Infiniti FX35
• 50,000/100,000 Liability
• Comp / Collision
< 550
Mercury
$242
Johnny, 24
Zip: 34420
Chevrolet Impala Super Sport
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 24, 2024

How to lower car insurance costs in Belleview

1. Shop around and compare quotes

You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?

2. Hunt for car insurance discounts

You can make an okay rate into a great one with the right
car insurance discount
. See if your provider offers a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
  • Bundling insurance products.
    Bundle your car and home insurance
    and you could pay less for each of them.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Belleview?

People living in Belleview pay on average $116 per month – or $1,391 per year – on state-minimum liability coverage. Full coverage in Belleview costs on average $221 per month or $2,648 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Belleview?

Based on thousands of Belleview drivers Jerry has worked with, car insurance in Belleview costs an average of $116 per month for state-minimum coverage and $221 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  

What is the best car insurance in Belleview?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Progressive, Arrowhead, and AmWINS receive good ratings from Belleview drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Belleview, Florida?

The state-minimum car insurance in Belleview, Florida is $10,000 of personal injury protection coverage and $10,000 of property damage liability coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.