Table of contents
How much is car insurance in Bradenton?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Bradenton is about $15 cheaper than it is in the rest of Florida.
On the other hand, residents of Bradenton might expect to pay higher rates for coverage than the rest of the country. It's about $27 more for coverage in Bradenton than in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Bradenton, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Bradenton so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Bradenton may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While this isn't true in Bradenton, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Bradenton with a single accident will pay around $146 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $139.
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
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$102|
|15 Years or Older||$104|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Bradenton, with drivers paying around $88 per month for insurance coverage.
SUV drivers will see rates of about $108, while the rates for car owners average out to about $110 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Bradenton, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$113|
On average, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Bradenton can be as much as $24 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
Another factor that comes into play is your living situation. Renters can expect to pay around $24 a month more than drivers who own property in Bradenton. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 picking an insurance policy.
In Bradenton, car insurance rates rose from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $119 a month
How does Bradenton compare to neighboring areas?
Why are car insurance rates in Bradenton different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Total number of drivers in the area
- Road Safety (how many accidents each locality has)
- Availability of off-street parking
- Regional regulations
- Crime levels
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Bradenton?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Bradenton.
Bradenton Insurance FAQs
What factors affect car insurance quotes in Bradenton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bradenton different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Bradenton?
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 Bradenton?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bradenton or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?