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How much is car insurance in Bedford?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Bedford are in line with rates across the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Bedford are below the national average. It's about $18 cheaper than the national average to insure your vehicle in Bedford.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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.
Don't sweat it however, we've broken down average rates for Bedford residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Bedford Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in Bedford.
Bedford Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Bedford, the difference comes out to about $6 per month. As you can see in the table above, male drivers in the area typically pay $65 on average, while female drivers typically pay $59 each month.
Bedford Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically 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. The rate for drivers in Bedford with a single accident on their record is about $69 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $73.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Bedford Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$56|
The cheapest vehicles to insure in Bedford are typically SUVs, with each type typically costing about $54 per month.
SUV owners will see rates of about $54, while truck and van owners by and large pay around $73 a month.
Your vehicle's age has an impact on the cost of your policy as well. 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 rates drop back down a bit. The most expensive vehicles to insure in Bedford are vehicles two-to -three years old.
Bedford Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This occurs because insurance companies commonly 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. Bedford is no exception, with the difference totaling to around $14 a month.
Bedford Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $7 a month more than homeowners in Bedford. But if you live with your parents, you can expect to pay a lot more.
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 Bedford, TX
Recent trends in car insurance for Bedford drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Bedford, auto insurance rates went up from 2020-2021, before steadying out in 2022. Car insurance rates finished down in 2022, at $50 per month
How does Bedford compare to neighboring areas?
Why are car insurance rates in Bedford different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers in the region
- Prevalence of crime
- Local laws
- Availability of off-street parking
- Road Safety (how many accidents each locality has)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Bedford?
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 will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Bedford.
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Bedford Auto Insurance FAQs
What factors affect car insurance quotes in Bedford?
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 year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Bedford different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Bedford?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bedford?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Bedford 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.
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