Bethlehem, PA Car Insurance

How does Bethlehem compare to the surrounding area and the rest of Pennsylvania? What can Bethlehem residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Bethlehem?

Auto insurance coverage in Bethlehem is about $7 cheaper than it is in the rest of Pennsylvania.

If you're thinking of moving to Bethlehem from out of state, you may still be in luck. The average monthly payment for the U.S. as a whole is about $17 more expensive than in Bethlehem.

Keep in mind that while these are the average car insurance rates for Bethlehem, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Bethlehem residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up in Bethlehem.

Average Car Insurance Rates by Gender

Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Bethlehem is only about $3 a month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Bethlehem with a single accident will pay around $73 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $69.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Bethlehem are typically SUVs, at $54 per month.

Truck and van drivers will see rates of about $63, while the rates for car owners average out to about $67 per month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Bethlehem, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Overall, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bethlehem as well, where the difference is around $22 a month.

Average Car Insurance Rates by Housing Situation

Your living accommodations is another component of how insurance companies calculate your monthly rate. Homeowners in Bethlehem can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Bethlehem, PA

Recent trends in car insurance for Bethlehem 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 choosing your car insurance policy.

The cost of auto insurance in Bethlehem dropped from 2017-2018, but began to increase from 2019-2021, when they reached a high of $69. Policy premiums finished down in 2022, at $53 a month.

How does Bethlehem compare to neighboring areas?

Why are car insurance rates in Bethlehem different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:

• Number of car accidents
• Amount of drivers in the area
• Amount of off-street parking
• Area regulations
• Rate of crime

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 Bethlehem?

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.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Bethlehem.

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Bethlehem Insurance FAQs

What factors affect car insurance quotes in Bethlehem?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Bethlehem different from other neighboring cities?

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Bethlehem?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Bethlehem?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bethlehem or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.