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How much is car insurance in Bensalem?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month more expensive to insure your vehicle in Bensalem than it is in the rest of Pennsylvania.
Compared to the rest of the country, auto insurance in Bensalem is more affordable. It's around $2 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these numbers represent the average monthly payments for coverage in Bensalem, that doesn't mean 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 sweat it however, we've broken down average rates for Bensalem residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to your monthly premium, that experience can really pay off. 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 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Bensalem.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Bensalem actually bucks this trend. While female drivers pay $83 a month for auto insurance, males only pay about $77.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Bensalem, a driving record with one accident will usually get you a rate around $91 a month. In addition, drivers with a single ticket on their record can expect to pay around $133 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$87|
|15 Years or Older||$73|
According to the first table above, the cheapest vehicles to insure in Bensalem are usually SUVs, at $72 per month.
Truck and van drivers will see rates of about $75 for auto insurance coverage, while car owners by and large pay around $82 per month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Bensalem, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$82|
Generally, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Bensalem can be as much as $10 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
One other element taken into consideration is your housing status. Renters can expect to pay around $7 a month more than drivers who own property in Bensalem. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Bensalem, PA
Recent trends in car insurance for Bensalem 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 rates for car insurance in Bensalem dropped from 2017-2019, before leveling out in 2020. They finished up in 2022, at $78 a month
How does Bensalem compare to neighboring areas?
Why are car insurance rates in Bensalem different from other areas?
There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. 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:
- Regional regulations
- Off-street parking access
- General road safety (how many accidents each locality has)
- Rate of crime
- Total number of drivers
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Bensalem?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Bensalem.
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Bensalem Insurance FAQs
What factors affect car insurance quotes in Bensalem?
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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Bensalem 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 Bensalem?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bensalem?
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 Bensalem 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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