For drivers in Bethlehem, one of the largest components that determine insurance cost is where your residence is in Bethlehem. Areas with increased crime or more people are more likely to pay higher prices, whereas areas with less congestion tend to receive cheaper rates.
The information below rates the highest-priced areas in Pennsylvania to purchase auto insurance in. Bethlehem is ranked #16 with a yearly cost of $1,045 for the average policy, which is approximately $87 per month.
|Rank||City||Premium Per Year|
|11||Municipality of Monr||$1,081|
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Premium amounts are comparative as the garaging address in Bethlehem can revise premium rates substantially.
Now that we see where Bethlehem ranks based on price, deciding which companies have the cheapest car insurance rates in Bethlehem involves a little more sweat in order to find a policy that fits your budget. Every insurance company used slightly different criteria to establish rates, so let's take a look at the most budget-friendly car insurance companies in Pennsylvania.
Lowest Insurance Price Quotes in Bethlehem
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,454|
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General Casualty offers some of the cheapest car insurance rates in Bethlehem at around $726 a year. This is $931 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National would also be considered some of the cheaper Bethlehem, PA auto insurance companies.
As shown above, if you are insured with Erie and switched to General Casualty, you may see annual savings of in the neighborhood of $66. Drivers with Penn National may save as much as $90 a year, and Auto-Owners customers might reduce rates by $247 a year.
Be aware that those rates are averaged across all ages of drivers and types of vehicles and do not take into consideration a vehicle location in Bethlehem. So the company that has the lowest price for you may not even be in the list above. That's why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
Your cheap policy may actually be overpriced
Bethlehem car insurance rates are impacted by many things which can substantially decrease or increase your annual premium. Simply improving your credit, marrying your spouse, or having a fender bender can produce rate changes resulting in some rates now being more affordable than competitors.
Not only may things change on your end, but insurance companies change their prices every year or even multiple times each year in order to offset underwriting gains or losses. Higher than normal claim frequency or severity may cause more expensive premiums, while profitable underwriting may cause lower-cost Bethlehem car insurance rates.
For example, the chart below compares the cheapest car insurance in Bethlehem, PA for a 45-year-old male driver with no prior claims, no tickets, and great credit. If we compare prices based on his personal profile, General Casualty may have the cheapest car insurance rates in Bethlehem at $881 per year. This is $776 less than the average rate paid by Pennsylvania drivers of $1,657. USAA, Travelers, Penn National, and Erie round out the rest of the best Bethlehem, PA auto insurance companies.
The next chart shows rates after we give the driver in the first chart an accident claim, a lower credit rating, and a blemish on his driving record. Due to the fact that every insurance company has a different formula to set policy rates, comparing insurance quotes could now result in a different set of the cheapest car insurance companies in Bethlehem as shown below.
Amica now has the cheapest price in Bethlehem, PA with Atlantic States, Donegal Mutual, USAA, and Travelers also having competitive pricing. This example illustrates why it is critical to perform a complete rate comparison to get affordable car insurance quotes in Bethlehem. Prices consist of many factors and can decrease or increase without notice, so the best company three years ago may now be quite expensive.
The vehicle on the policy is a significant factor in finding cheaper car insurance in Bethlehem. Vehicles with high performance, poor safety ratings, or a high likelihood of having liability claims will cost significantly more to insure than more modest models.
The table below estimates insurance prices for a number of the more affordable automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,168|
|Ford Escape Limited 2WD||$1,195|
|Honda Accord EX 4-Dr Sedan||$1,340|
|Chevrolet Impala LT||$1,384|
|Jeep Grand Cherokee Laredo 4WD||$1,391|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,411|
|Ford Edge Limited AWD||$1,455|
|Nissan Rogue S 2WD||$1,488|
|Ford Fusion SEL 4-Dr Sedan||$1,482|
|Kia Optima LX||$1,491|
|Ford Explorer XLT AWD||$1,501|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$1,531|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in vehicle location which can increase or decrease rates greatly.
Looking at the rates, makes and models like the Honda CR-V, Ford Escape, Honda Accord, and Chevrolet Impala are most likely to be a few of the most economical vehicles to insure for drivers in Bethlehem.
Full coverage rates vs. liability-only in Bethlehem
Reducing the cost of auto insurance is probably important to the majority of people, and one of the quickest ways to pay lower rates for insurance in Bethlehem is to buy liability only. The information below shows the comparison of yearly insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The rate quotes are based on no claims or driving violations, $100 deductibles, single status, and no discounts are taken into consideration.
As an average for all age groups, full coverage on your policy costs $1,889 per year over and above liability coverage. That touches on the question if it's a good idea to buy full coverage. There is no clear-cut formula to drop full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let's say your vehicle's settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after paying your deductible. If you are paying over $300 a year for physical damage coverage, then you may want to consider only buying liability coverage.
Drive safe and save
In a perfect world, the ideal way to find affordable auto insurance premiums for drivers in Bethlehem is to drive attentively and have a clean driving record. The information below illustrates how speeding tickets and at-fault claims can raise insurance rates for different age groups. The data assumes a single female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of auto insurance per year with no accidents and a clean driving record is $2,194. Add in two speeding tickets and the average cost surges to $2,945, an increase of $752 each year. Next add one accident along with the two speeding tickets and the annual cost of auto insurance in Bethlehem goes up to an average of $3,715. That's an increase of $1,521, or $127 per month, just for not keeping your driving record clean!
Get discount Bethlehem car insurance rates
Insurance companies that provide policies in Bethlehem may also provide special discounts that may potentially lower prices by 40% or more if you qualify. Popular auto insurance companies and the discounts they provide can be found below.
- Farm Bureau may offer discounts for youthful driver, renewal discount, 55 and retired, driver training, and multi-policy.
- Liberty Mutual may have discounts that include hybrid vehicle, preferred payment discount, new vehicle discount, multi-policy, and newly married.
- State Farm may include discounts for passive restraint, good driver, defensive driving training, driver's education, good student, safe vehicle, and student away at school.
- Auto-Owners Insurance includes discounts for student away at school, good student, safe driver, multiple vehicles, and mature driver.
- GEICO offers discounts including driver training, anti-lock brakes, good student, five-year accident-free, emergency military deployment, and defensive driver.
- SAFECO offers premium reductions for teen safety rewards, homeowner, multi-car, anti-theft, and drive less.
The example below compares annual premium costs with and without discounts applied to the rates. The premium estimates are based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, defensive driving course, marriage, vehicle safety, claim-free, and passive restraint discounts applied. When these discounts are applied, the average amount saved each year on auto insurance in Bethlehem is 28% or $494.