Bethlehem, GA Car Insurance

On average, drivers in Bethlehem pay around $104 per month for their car insurance. Read our guide below to learn more about your specific rates.
What should residents of Bethlehem expect to pay for their car insurance? How does Bethlehem stack up to the rest of the area, or even Georgia 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 Bethlehem?

Area Average Monthly Car Insurance Premium
Bethlehem$104
GA$106
United States$81

Based on the chart above, it costs about the same to insure your vehicle in Bethlehem as it does in the rest of Georgia.

Compared to the national average cost of auto coverage, Bethlehem has higher rates. It's about $23 more expensive than the national average to insure your vehicle in Bethlehem.

Keep in mind that these are the average auto insurance rates for Bethlehem, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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.

We've done the heavy lifting for you and broken down the average rate for Bethlehem so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$170
25-34$89
35-44$91
45-54Not Enough Data
55-64$63
65+$85

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Bethlehem.

Average Car Insurance Rates by Gender

Gender Average
Male$107
Female$102

Female drivers pay, on average, slightly less than their male counterparts. In Bethlehem, this difference shakes out to about $5 per month. As you can see in the chart above, car insurance for women in the area typically costs around $102 each month, while men pay $107 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$163
Multiple Accidents$217
1 Ticket$110
Multiple Tickets$212

Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. The rate for drivers in Bethlehem with a single accident on their record is about $163 a month. In addition, drivers with a single ticket on their record can expect to pay around $110 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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$109
2-3 Years$95
4-5 Years$99
6-7 Years$150
8-10 Years$96
11-14 Years$102
15 Years or Older$100

In terms of affordable coverage, the cheapest vehicles to insure in Bethlehem are by and large SUVs, at $93 per month.

Car owners, on the other hand, usually pay around $109 a month, while truck and van drivers can expect to pay about $104 per month for auto insurance.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your bill start to shrink 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)$115
Married$85
Divorced$73
Widowed$63

On average, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Bethlehem reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$90
Rent$106
Live with parents$132

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $16 a month more than drivers who own property in Bethlehem. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Bethlehem, GA

Recent trends in car insurance for Bethlehem drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance coverage in Bethlehem dropped from 2017-2018, before steadying out in 2019. Policy premiums finished down in 2022, at $83 a month

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 a monthly rate, car insurance companies will consider a number of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Road Safety (total number of local car accidents)
  • Amount of drivers
  • Access to off-street parking
  • Area laws
  • Rate of crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Bethlehem?

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.

Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Bethlehem.

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Bethlehem Insurance FAQs

What factors affect car insurance quotes in Bethlehem?

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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Bethlehem 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, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Bethlehem?

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. 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?

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