Bradenton, FL Car Insurance

What rates can residents of Bradenton expect to pay for their car insurance? How does Bradenton stack up to the rest of the area, or even Florida as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Bradenton?

Auto insurance coverage in Bradenton is about $16 cheaper than it is in the rest of Florida.

If you're considering relocating to Bradenton from out of state, you may want to budget a little extra for your insurance. It's around $26 more expensive for coverage in Bradenton than the average rates seen in the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in Bradenton, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Bradenton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

Average Car Insurance Rates by Age

The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up a bit in Bradenton.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Bradenton is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Bradenton, a driving record with one accident will usually get you a rate around $136 a month. Likewise, drivers with one ticket will be looking at a rate of around $106 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Bradenton are by and large trucks and vans, at $88 per month.

SUV drivers will see rates of about $104, while the rates for car owners average out to about $113 a month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Bradenton, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

The difference in rates based on relationship status in Bradenton can be as much as $26 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $31 a month more than drivers who own property in Bradenton. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Bradenton, FL

Recent trends in car insurance for Bradenton drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The cost of auto insurance coverage in Bradenton had been decreasing from 2017-2018, before steadying out in 2019. Policy premiums finished down in 2022, at $101 per month

How does Bradenton compare to neighboring areas?

Why are car insurance rates in Bradenton different from other areas?

Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:

• Off-street parking accessibility
• Total amount of drivers in the area
• Regional regulations
• Crime levels
• Road safety

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing 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 Bradenton?

While knowing 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.

Don't worry, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing auto coverage in Bradenton.

Bradenton Insurance FAQs

What factors affect car insurance quotes in Bradenton?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Bradenton different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Bradenton?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Bradenton?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bradenton or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.