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How much is car insurance in Bedford?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Texas is about $4 a month more expensive than it is in Bedford.
Likewise, the expected monthly payments for an auto insurance policy in Bedford are below the national average. Auto insurance coverage in Bedford is about $20 cheaper than it is for the rest of the United States.
While these are the average car insurance rates for Bedford, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Bedford to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $46 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates rise again in Bedford.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Bedford, where male drivers pay about $7 more per month. Based on the chart above, you can see that female drivers pay around $56 on average, while male drivers typically pay $63 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Bedford, having a single accident on your record will usually get you rates around $70 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $87.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$56|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Bedford, with drivers paying around $54 per month to insure their vehicle.
SUV owners will see rates of about $54, while truck and van owners usually pay around $69 a month.
The age of your vehicle 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 around 5 years old you may start to see your rates drop back down a bit. In Bedford, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
In Bedford, the difference in rates based on relationship status can be as much as $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in Bedford. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Bedford, TX
Recent trends in car insurance for Bedford drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Bedford had been increasing from 2016-2017, before steadying out in 2018. Rates went up again recently, hitting a high of $74 in 2021.
How does Bedford compare to neighboring areas?
Why are car insurance rates in Bedford different from other areas?
There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Local laws
- Regional crime rates
- Road safety
- Amount of drivers
- Off-street parking accessibility
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. 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 Bedford?
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 hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Bedford.
Bedford Insurance FAQs
What factors affect car insurance quotes in Bedford?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Bedford different from other neighboring cities?
Things like crime rates, local laws, 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 Bedford?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bedford or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?