Table of contents
How much is car insurance in Bensalem?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Pennsylvania are about $7 a month cheaper than the rates drivers pay in Bensalem.
On the flip side, when compared to the national average, the cost for auto insurance in Bensalem is lower. The average monthly payment in Bensalem is about $2 cheaper than the rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of Bensalem, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Bensalem so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Bensalem.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Bensalem, where female drivers pay around $85 per month while male drivers pay about $73.
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 significantly lower rates than those with accidents or violations. In Bensalem, having a single accident on your record will usually get you rates around $91 a month. In addition, drivers with a single ticket on their record can expect to pay around $160 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$70|
In terms of affordable coverage, the cheapest vehicles to insure in Bensalem are by and large SUVs, at $71 per month.
Truck and van drivers will see rates of about $82 to insure their car, while car owners typically pay around $79 a month.
Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Bensalem are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Bensalem can be as much as $5 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than drivers who own property in Bensalem. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Bensalem, PA
Recent trends in car insurance for Bensalem 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.
Car insurance rates in Bensalem dropped from 2016-2019, before leveling out in 2020. They finished down in 2021, at $64 per month
How does Bensalem compare to neighboring areas?
Why are car insurance rates in Bensalem different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Access to off-street parking
- Total amount of drivers in the area
- Local crime rates
- Regional regulations
- Road Safety (how many accidents each locality has)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Bensalem?
While getting familiar with 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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Bensalem.
Bensalem Insurance FAQs
What factors affect car insurance quotes in Bensalem?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Bensalem different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Bensalem?
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 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bensalem or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?