Bedford, OH Car Insurance

The average cost for car insurance in Bedford is about $56 a month. To learn more about policy rates and coverage in the Bedford area, continue reading our guide below.
Compared to their surrounding area, how do rates in Bedford stack up? What about against the rest of Ohio? How much can residents of Bedford expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Bedford?

Area Average Monthly Car Insurance Premium
Bedford$56
OH$59
United States$80

As you can tell by looking at the chart above, auto insurance rates in Bedford are about the same as the rest of Ohio.

Likewise, car insurance rates in Bedford are more affordable than the national average. It's about $24 cheaper to insure your vehicle in Bedford compared to the average rate for the United States as a whole.

These rates may be the average amount drivers in Bedford pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

But don't worry, we've broken down the average rates for Bedford 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 Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$110
25-34$54
35-44$45
45-54Not Enough Data
55-64$38
65+$27

Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Bedford.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$67

While women typically pay less than men do for auto insurance, Bedford bucks this trend. Female drivers typically pay around $20 more per month to insure their car than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$105
1 Ticket$68
Multiple Tickets$124

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Bedford with a single accident on their record is about $60 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $68.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$49
2-3 Years$34
4-5 Years$41
6-7 Years$50
8-10 Years$58
11-14 Years$57
15 Years or Older$62

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Bedford, with drivers paying around $47 per month for insurance.

SUV drivers will see rates of about $64, while the rates for car owners average out to about $55 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Bedford, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$41
Divorced$42
Widowed$62

Generally speaking, those who are currently married will pay slightly less for 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 Bedford reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$44
Rent$55
Live with parents$102

Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $11 a month more than drivers who own property in Bedford. Those who live with their parents, however, can expect to pay a lot 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 Bedford, OH

Recent trends in car insurance for Bedford drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The cost of auto insurance in Bedford dropped from 2016-2018, where it hit a low of $44, before steadying out in 2019. Since 2020, policy premiums have once again been decreasing and reached $45 in 2021.

How does Bedford compare to neighboring areas?

Why are car insurance rates in Bedford different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Rate of crime
  • Regional laws
  • Total number of drivers in the community
  • Off-street parking availability
  • Frequency of car accidents

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Bedford?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Bedford in no time.

Compare the cheapest quotes from dozens of insurance companies

Bedford Insurance FAQs

What factors affect car insurance quotes in Bedford?

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 marital status, credit score, address, and driving record.

Why is the cost of car insurance in Bedford different from other neighboring cities?

Things like parking situations, crime rates, 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 Bedford?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

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 Bedford or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes