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How much is car insurance in Bristol?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Bristol is about $4 a month more expensive than the rest of Pennsylvania.
Compared to the national average cost of auto insurance coverage, Bristol has lower rates. You can expect to pay about $6 below the national average for auto insurance in Bristol.
Although these are the average monthly costs for an auto insurance policy in Bristol, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Bristol residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may rise again in Bristol.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While male drivers actually pay a bit less than female drivers on their monthly auto insurance coverage, the difference in Bristol is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Bristol, drivers with one accident on their record will experience rates around $105 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $122 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$74|
According to the first table above, the cheapest vehicles to insure in Bristol are usually SUVs, at $66 per month.
SUV owners, on the other hand, typically pay around $66 a month, while truck and van drivers can expect to pay about $87 per month for car insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. 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. 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|
More often than not, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Bristol can be as much as $15 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||$80|
Another factor taken into consideration is your living situation. In Bristol, homeowners can expect to pay around $11 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 Bristol, PA
Recent trends in car insurance for Bristol drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The cost of car insurance coverage in Bristol dropped from 2017-2020, but began to rise in 2021. This pattern has continued through 2022 when rates have most recently hit $67.
How does Bristol compare to neighboring areas?
Why are car insurance rates in Bristol different from other areas?
Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Total drivers
- Local crime rates
- Amount of off-street parking
- Road safety
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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?
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 hold on! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing policies in Bristol.
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Bristol Insurance FAQs
What factors affect car insurance quotes in Bristol?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Bristol different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 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?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bristol or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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