Table of contents
How much is car insurance in Bethlehem?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in Bethlehem than it is in the rest of Pennsylvania.
Similarly, when compared to the national average, the cost for auto insurance in Bethlehem is lower. It's around $15 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for Bethlehem, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car 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 payment amount.
But don't worry, 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 your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $44 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Bethlehem.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Bethlehem, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Bethlehem with a single accident on their record will usually see rates around $77 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $94 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$65|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Bethlehem, with drivers paying around $54 per month for insurance coverage.
Truck and van drivers will see rates of about $62 for auto insurance, while car owners typically pay around $68 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Bethlehem, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bethlehem as well, where the difference is around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Your living accommodations is another factor that affects your monthly rate. In Bethlehem, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, you 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 average costs.
Car Insurance Companies in Bethlehem, PA
Recent trends in car insurance for Bethlehem drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Bethlehem, the rates for auto insurance dropped from 2016-2018, when they reached a low of $53. This shifted in 2019, when rates began to increase. This trend has continued through the present, where rates recently hit $77.
How does Bethlehem compare to neighboring areas?
Why are car insurance rates in Bethlehem different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Off-street parking availability
- Area crime rates
- Total amount of drivers in the community
- Local regulations
- Road Safety (frequency of 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 Bethlehem?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting 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, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Bethlehem.
Bethlehem Insurance FAQs
What factors affect car insurance quotes in Bethlehem?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Bethlehem different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Bethlehem?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Bethlehem?
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 Bethlehem or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?