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How much is car insurance in Bedford?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Bedford are slightly less expensive than the rest of Ohio.
Likewise, when compared to the national average, the cost for auto insurance in Bedford is lower. Auto insurance coverage in Bedford is about $26 cheaper than it is for the rest of the United States.
Keep in mind that while these are the average car insurance rates for Bedford, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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.
Don't worry, we've done the work for you and broken down average rates for Bedford to help you get a more accurate idea of what you'll be charged for your policy. 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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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Bedford may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance coverage, in Bedford men actually pay $46 per month for coverage while women pay $67.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Bedford, a driving record with a single accident will usually get you a rate around $60 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $78.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$61|
The cheapest vehicles to insure in Bedford are typically trucks and vans, with each type typically costing about $47 per month.
Car owners can expect to pay an average of around $55 a month for their policy, while SUVs usually cost around $61 a month to insure.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Bedford are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, married policyholders will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Bedford is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
One other element taken into consideration is your living situation. In Bedford, homeowners can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Bedford, OH
Recent trends in car insurance for Bedford drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of insurance in Bedford declined from 2017-2018, before steadying out in 2019. Rates finished down in 2022, at $24 per month
How does Bedford compare to neighboring areas?
Why are car insurance rates in Bedford different from other areas?
Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers
- Area laws
- Access to off-street parking
- Crime levels
- Road Safety (frequency of local car accidents)
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. 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 Bedford?
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 can handle all of this for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing policies in Bedford.
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Bedford Insurance FAQs
What factors affect car insurance quotes in Bedford?
Car insurance companies calculate quotes based on a wide array of factors. These 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 Bedford 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
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 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. 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?
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