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How much is car insurance in Bradenton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Bradenton typically costs about $16 a month less than it does in the rest of Florida.
Conversely, the expected monthly payments for an auto insurance policy in Bradenton are above the national average. The average monthly payment for the rest of the U.S. is about is about $27 cheaper than it is in Bradenton.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Bradenton residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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!
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Bradenton 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, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $94 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to go back up in Bradenton.
Bradenton Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The price to insure your vehicle in Bradenton, however, is about the same for either group.
Bradenton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Bradenton with a single accident will pay around $136 a month. In addition, drivers with a single ticket on their record can expect to pay around $105 a month on average.
When it comes to your monthly premium, 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.
Bradenton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$116|
|15 Years or Older||$105|
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 $87 per month for insurance coverage.
Car owners will see a monthly premium of about $114, while SUV owners typically pay around $104 per month.
Your rates can also vary depending 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 around 5 years old. In Bradenton, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Bradenton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$113|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Bradenton follows that pattern, with the difference totaling to around $21 a month.
Bradenton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $30 a month more than if you own your own home in Bradenton. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Bradenton, FL
Recent trends in car insurance for Bradenton drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area 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 $103 a month
How does Bradenton compare to neighboring areas?
Why are car insurance rates in Bradenton different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Local crime rates
- Local laws
- Number of car accidents
- Amount of off-street parking
- Number of drivers in the region
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
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.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Bradenton.
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Bradenton Auto Insurance FAQs
What factors affect car insurance quotes in Bradenton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Bradenton different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Bradenton?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bradenton?
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bradenton or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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