Bedford, TX Car Insurance

Drivers in Bedford pay, on average, $62 a month for their car insurance. To find out more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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Compared to their surrounding area, how do rates in Bedford stack up? What about against the rest of Texas? What can Bedford residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

How much is car insurance in Bedford?

Area Average Monthly Car Insurance Premium
Bedford$62
TX$65
United States$81

Based on the chart above, you can see that auto insurance rates in Bedford are in line with rates across the rest of Texas.

Compared to the rest of the country, auto insurance in Bedford is more affordable. Auto insurance coverage in Bedford is about $19 cheaper than it is for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Bedford, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Bedford so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$101
25-34$55
35-44$51
45-54$55
55-64$43
65+$49

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $52 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, however, you may see your rates climb back up in Bedford.

Average Car Insurance Rates by Gender

Gender Average
Male$65
Female$60

Car insurance rates for women are generally cheaper than they are for men. This is true in Bedford, where women pay around $5 less a month. As you can see in the chart above, car insurance for women in the area typically costs around $60 each month, while men pay $65 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$113
1 Ticket$72
Multiple Tickets$111

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Bedford, having a single accident on your record will usually get you rates around $70 a month. In addition, drivers with a single ticket on their record can expect to pay around $72 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$66
2-3 Years$78
4-5 Years$66
6-7 Years$64
8-10 Years$65
11-14 Years$60
15 Years or Older$56

If you look at the first table above, the cheapest vehicles to insure in Bedford are usually SUVs, at $54 per month.

SUV owners can expect to pay an average of around $54 a month for their policy, while truck and van drivers are usually around $73 to insure each month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Bedford, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$52
Divorced$51
Widowed$47

More often than not, married policyholders will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Bedford can be as much as $15 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$55
Rent$64
Live with parents$75

Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $9 a month more than homeowners in Bedford. But those who live at home with their parents can expect to pay significantly 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

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 Bedford, the rates for auto insurance rose from 2020-2021, before leveling out in 2022. Car insurance rates finished down in 2022, at $46 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 coverage, car insurance companies will review a number of factors. 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:

  • Crime
  • Number of drivers
  • Number of car accidents
  • Amount of off-street parking
  • Area regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Bedford?

Arming 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.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Bedford.


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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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Bedford different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, 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 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?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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?

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