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How much is car insurance in Bethlehem?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Bethlehem are about the same as the rest of Georgia.
On the flip side, drivers in Bethlehem may pay higher rates than the rest of the country. You can expect to pay about $22 more for your policy in Bethlehem.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down the average rate for Bethlehem residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||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 pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Bethlehem.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Bethlehem is around $14 a month. As illustrated in the table above, female drivers in the area pay about $95 on average, while male drivers pay around $109 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Bethlehem with a single accident on their record is about $162 a month. In addition, drivers with a single ticket on their record can expect to pay around $96 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$119|
|15 Years or Older||$94|
If you look at the first table above, the cheapest vehicles to insure in Bethlehem are typically SUVs, at $94 per month.
SUV owners can expect to pay an average of around $94 a month for their policy, while truck and van drivers are usually around $110 to insure each month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Bethlehem are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
On average, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bethlehem as well, where the difference is around $29 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$132|
Another factor taken into consideration is your housing status. Homeowners in Bethlehem can expect to pay around $19 a month less than those who rent. 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 costs, depending on your insurance company.
Car Insurance Companies in Bethlehem, GA
Recent trends in car insurance for Bethlehem 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.
In Bethlehem, auto insurance rates increased from 2016-2017, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $86.
How does Bethlehem compare to neighboring areas?
Why are car insurance rates in Bethlehem different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Local laws
- Number of drivers in the community
- Off-street parking access
- General road safety (how many accidents each locality has)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Bethlehem?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Bethlehem.
Bethlehem Insurance FAQs
What factors affect car insurance quotes in Bethlehem?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Bethlehem different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Bethlehem?
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 Bethlehem?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Bethlehem or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?