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How much is car insurance in Bear?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Bear typically costs about $14 a month less than it does in the rest of Delaware.
Drivers relocating the Bear should take note of the differences in average rates. The cost of insuring a vehicle in Bear is about $82 more expensive than the average rate for the rest of the U.S.
These may be the average auto insurance rates for Bear, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for Bear so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Bear drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in average rates in Bear totals about $51 a month. As illustrated in the table above, male drivers in the area pay about $188 on average, while female drivers pay around $137 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Bear, a driving record with one accident will usually get you a rate around $207 a month. Similarly, drivers with one ticket will typically pay around $105 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$104|
|15 Years or Older||$113|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Bear, with drivers paying around $70 per month to insure their vehicle.
Car owners will see a monthly premium of about $182, while SUV owners usually pay around $126 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Bear, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$171|
Generally, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
The difference in rates based on relationship status in Bear is about $56 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$208|
Your living situation is another factor that affects your monthly rate. Homeowners in Bear can expect to pay around $109 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Bear, DE
Recent trends in car insurance for Bear drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Car insurance rates in Bear declined from 2017-2019, before leveling out in 2020. They finished up in 2022, at $267 a month
How does Bear compare to neighboring areas?
Why are car insurance rates in Bear different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- General road safety (how many accidents each locality has)
- Area regulations
- Amount of off-street parking
- Rate of crime
- Amount of drivers
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Bear?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Bear.
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Bear Insurance FAQs
What factors affect car insurance quotes in Bear?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Bear different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Bear?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bear?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bear or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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