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How much is car insurance in Bristol?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Tennessee, coverage in Bristol is about $9 a month cheaper.
Drivers relocating from out of state may enjoy some cost savings in Bristol. Auto insurance coverage in Bristol is about $37 cheaper than it is for the rest of the U.S.
These may be the average auto insurance rates for Bristol, but that doesn't mean it's exactly 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. 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.
We've broken down the average rates for Bristol to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance bills, 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.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may creep back up a bit in Bristol.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Bristol, where male drivers pay about $7 more a month. Looking at the table above, you can see that female drivers pay around $39 on average, while male drivers typically pay $46 each 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 significantly lower rates than those with infractions. In Bristol, a driving record with a single accident will usually get you a rate around $56 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $56.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$42|
In terms of affordable coverage, the cheapest vehicles to insure in Bristol are typically SUVs, at $38 per month.
Car owners will see rates of about $44, while truck and van owners usually pay around $41 per month.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Bristol, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Bristol is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Bristol can expect to pay around $1 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Bristol, TN
Recent trends in car insurance for Bristol drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Car insurance rates in Bristol have been steadily increasing, reaching a high of $52 in 2021.
How does Bristol compare to neighboring areas?
Why are car insurance rates in Bristol different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Off-street parking availability
- Area regulations
- Number of drivers in the area
- Crime rates
- Road Safety (frequency of car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Bristol?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Bristol.
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 you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bristol different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Bristol?
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 Bristol?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 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.