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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.
Residents of Bethlehem might expect to pay higher rates for coverage than the rest of the country. It's around $25 more expensive for coverage in Bethlehem than the average rates seen in the rest of the U.S.
These may be the average auto insurance rates for Bethlehem, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
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. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Bethlehem 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. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $84 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Bethlehem may see their rates climb back up a bit once they hit retirement.
Bethlehem Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Bethlehem, the difference comes out to about $6 a month. Looking at the table above, you can see that female drivers pay around $102 on average, while male drivers typically pay $108 each month.
Bethlehem Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. In Bethlehem, having a single accident on your record will usually get you rates around $163 a month. Likewise, drivers with one ticket will be looking at a rate of around $109 a month on average.
Bethlehem Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$109|
|15 Years or Older||$100|
The cheapest vehicles to insure in Bethlehem are usually SUVs, with each type typically costing about $93 per month.
Car owners, on the other hand, by and large pay around $110 per month, while truck and van drivers can expect to pay about $104 a month for car insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Bethlehem are vehicles six-to-seven years old.
Bethlehem Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$115|
Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
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.
Bethlehem Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$132|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Bethlehem, expect to pay around $15 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Bethlehem, GA
Recent trends in car insurance for Bethlehem 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 Bethlehem decreased from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $90 per month
How does Bethlehem compare to neighboring areas?
Why are car insurance rates in Bethlehem different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Total amount of drivers in the community
- Local laws
- Crime levels
- Road Safety (how many accidents each locality has)
- Off-street parking access
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Bethlehem?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Bethlehem.
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Bethlehem Auto 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 age and gender, 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 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, parking situations, and crime rates 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?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bethlehem or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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