Belmont drivers pay an average of $1,513/year — $258 less than the national average. With 112 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $361/year.
(888) 217-6781Estimated full coverage auto insurance rates for Belmont, VA from top carriers. Rates are adjusted for Belmont's 112 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $504 | $84/mo |
| GEICO | $572 | $95/mo |
| Progressive | $645 | $108/mo |
| State Farm | $708 | $118/mo |
| Allstate | $861 | $143/mo |
Estimates based on 2026 rate filings for ZIP 24073. USAA is cheapest at ~$84/mo. Actual rates vary by driver profile and exact Belmont location.
These Belmont-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Belmont, VA. Takes under 2 minutes.
(888) 217-6781Belmont is a smaller city in Virginia with a population of 10,268. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, nor'easters, flooding, thunderstorms, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Belmont.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Belmont can swing your premium by hundreds of dollars. Here's how rates compare across Belmont neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 24088 | Belmont South Side | $1,451/yr | $121/mo |
| 24077 | Belmont West Side | $1,473/yr | $123/mo |
| 24076 | Belmont North Side | $1,474/yr | $123/mo |
| 24081 | Belmont East Side | $1,550/yr | $129/mo |
| 24073 | Belmont Downtown/Central | $1,629/yr | $136/mo |
The cheapest ZIP is 24088 (Belmont South Side) at $1,451/yr. The most expensive is 24073 (Belmont Downtown/Central) at $1,629/yr — a $178/year difference for the same driver.
Your Belmont ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Belmont. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,177/yr | $265/mo | +110% vs avg |
| Young Adult (20-25) | $2,118/yr | $177/mo | +40% vs avg |
| Adult (26-35) | $1,513/yr | $126/mo | 0% vs avg |
| Mid-Career (36-50) | $1,331/yr | $111/mo | -12% vs avg |
| Senior (51-65) | $1,256/yr | $105/mo | -17% vs avg |
| 65+ | $1,347/yr | $112/mo | -11% vs avg |
Teens in Belmont pay an average of $3,177/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,256/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Virginia cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Belmont drivers can save up to $361/year. ZIP 24088 (Belmont South Side) has the lowest rates starting at $1,451/yr.
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