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How much is car insurance in Bristol?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Bristol is about $9 cheaper than it is in the rest of Virginia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Bristol is rather affordable. The average monthly payment for the United States as a whole is about $30 more expensive than in Bristol.
While these numbers represent the average monthly payments for coverage in Bristol, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rates for Bristol residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates begin to increase again once you hit retirement age in Bristol.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Bristol, male drivers pay about $4 more per month. Looking at the table above, you can see that female drivers pay around $49 on average, while male drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Bristol, having a single accident on your record will usually get you rates around $59 a month. Similarly, drivers with one ticket will typically pay around $46 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$48|
As you can see in the first table above, the cheapest vehicles to insure in Bristol are by and large trucks and vans, which run about $47 per month.
SUV drivers will see rates of about $49 to insure their car, while car owners usually pay around $51 a month.
Depending on how old your vehicle is, 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 close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Bristol are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
On average, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Bristol is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $8 a month more than homeowners in Bristol. But those who live at home with their parents can expect to pay significantly 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 Bristol, VA
Recent trends in car insurance for Bristol drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for car insurance in Bristol went up from 2016-2018, before steadying out in 2019. They finished down in 2021, at $38 per month
How does Bristol compare to neighboring areas?
Why are car insurance rates in Bristol different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Off-street parking accessibility
- Local regulations
- Prevalence of crime
- Frequency of car accidents
- Amount of drivers in the area
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering 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 gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Bristol different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Bristol 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?