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How much is car insurance in Bristol?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Bristol will typically run you about $6 a month more than in the rest of Pennsylvania.
Compared to the national average cost of auto insurance coverage, Bristol has lower rates. It's around $3 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these are the average car insurance rates for Bristol, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Bristol to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may climb back up a bit in Bristol.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Bristol is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Bristol, drivers with one accident on their record will experience rates around $102 a month. Likewise, drivers with one ticket will be looking at a rate of around $237 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$27|
|15 Years or Older||$78|
According to the first table above, the cheapest vehicles to insure in Bristol are usually SUVs, at $65 per month.
Car owners, on the other hand, by and large pay around $78 per month, while truck and van drivers can expect to pay about $96 a month for car insurance.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Bristol are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Bristol can be as much as $12 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $12 a month more than homeowners in Bristol. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Bristol, PA
Recent trends in car insurance for Bristol drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Bristol, auto insurance rates went up from 2016-2017, but began to decrease in 2018. This trend has continued through 2021 when rates have most recently reached $55 per month.
How does Bristol compare to neighboring areas?
Why are car insurance rates in Bristol different from other areas?
Car insurance companies look at a lot of factors when they're figuring out 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 park your car. These include things like:
- Off-street parking access
- Frequency of car accidents
- Amount of drivers in the community
- Local crime rates
- Regional laws
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Bristol?
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.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Bristol.
Bristol Insurance FAQs
What factors affect car insurance quotes in Bristol?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Bristol different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Bristol?
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 Bristol?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bristol or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.