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Get Cheap Car Insurance in Bedford, OH

We monitor insurance prices, helping the average driver in Bedford save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Bedford

The chart below shows the cheapest car insurance company in Bedford for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.

 
Bedford Insurer Monthly Cost
State Farm $51
Safeco Insurance $53
Travelers $54
Mile Auto $56

Savings for Every Kind of Bedford Driver

The table shows how much the average auto insurance customer in Bedford might save by following our recommendations.

Based on our extensive insurance data, we know the average Bedford driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $327 per year by choosing the right vehicle insurance company. Some Bedford residents are paying out over $1,239 extra every year for auto insurance in Bedford. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Bedford, OH Savings / Yr.
Drivers with good records
$327
Drivers with accidents
$557
Drivers with speeding tickets
$471
Drivers with a DUI conviction
$503
Young drivers
$1,203
Married drivers
$342
Drivers with bad credit
$480

Bedford Car Insurance vs. Ohio

People living in Bedford pay an average of 10.24% more than the typical driver in the state. The average driver in Bedford can expect to pay about $837 per year, or $1,239 for full coverage.

Based on our analysis, Mile Auto will be the cheapest provider in Bedford for most people.

Car Insurance Prices by Bedford Neighborhood

Bedford, OH map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Bedford?

The map shows insurance prices in and around Bedford, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $124 per year within the city boundaries, with insurance premiums ranging from a high of $1,289 to a low of $1,165. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Bedford.

Pick the Best Car Insurance Company for You in Bedford

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Bedford insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Bedford

For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $327 over the average Bedford car insurance company.

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We use the average good driver, paying $76 per month, as our baseline for pricing in Bedford. Mile Auto, Clearcover, and Gainsco are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Bedford drivers with accidents on their records

In Bedford getting into an accident will raise premiums an average 38% for a yearly cost of $1,995. That's $756 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Gainsco, and Mile Auto are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $557 over the competition.

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The best car insurance company for Bedford drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $471 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Bedford, tickets raise premiums on new quotes about $534. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Gainsco for savings that beat the average insurance cost of $1,773 per year.

The best auto insurance for Bedford drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,829 per year in auto insurance premiums, which was $590 more than a driver with no major issues. Gainsco, Mile Auto, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $503 less each year.

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The least expensive car insurance company for new and young drivers in Bedford

In Bedford, Geico costs young drivers $1,203 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Bedford. With an average cost of $4,335 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Bedford

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $53. State Farm, Geico, and Progressive provided the largest discounts to couples living in Bedford.

State Farm gave the largest car insurance discounts to married couples, averaging $342 saved each year compared to an average Bedford couple's premiums.

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The cheapest car insurance in Bedford for drivers with bad credit

People with poor credit saved an average of $480 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $634 every year. Premiums for people with poor credit were about $1,873 in Bedford. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Clearcover.

The best Bedford car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Bedford, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Bedford.

Nationwide was the best company for customer service in Bedford according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bedford, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Bedford. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Bedford

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 44% of Bedford residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Bedford driver can expect to pay about $76 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bedford, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Bedford

What Influences the Cost of Car Insurance in Bedford?

On average, car insurance in Bedford is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Bedford is 28 minutes, which is a little less than average for a driver in the state.
  • Ohio state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Bedford are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Bedford is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Bedford is $70 per month for minimum coverage and $103 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Bedford driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Bedford with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.