Cheapest Car Insurance Quotes in Bedford

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Bedford Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bedford

The car insurance rate in Bedford is $831 for a six-month policy, which is $82 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $323, making it a popular choice for budget-conscious drivers. Rates in Bedford can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bedford

$831

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Bedford

1st place: American Family

At $323 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $448 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $455 for six months, making it the third cheapest auto insurance company in Bedford.

Bedford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bedford, IN is American Family, offering policies at just $323 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $448.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1688 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bedford drivers find the best deals.

Cheap Car Insurance Companies in Bedford, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$323	$54
Auto-Owners Insurance Co	$448	$77
Westfield	$455	$75
Nationwide	$567	$95
Hastings Mutual	$633	$107
USAA	$646	$109
Hastings Insurance	$713	$119
Progressive	$751	$127
Travelers	$751	$127
Auto-Owners	$850	$143
Farm Bureau	$1088	$181
State Farm	$1207	$203
Allstate	$1523	$256
Farmers	$1688	$287

Key Takeaways

Way's key takeaways about car insurance in Bedford

The auto insurance costs in Bedford fall around $323 for six months.
The cheapest auto insurance company in Bedford is Westfield.
Teen drivers pay the highest rate in Bedford at $733 per month.

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Cheapest Minimum Liability Car Insurance in Bedford

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bedford are given below.

Westfield provides the cheapest minimum car insurance coverage in Bedford. Their Average 6 Month Premium is $139. Farmers is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Bedford, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
American Family	$178	$30
Auto-Owners Insurance Co	$184	$31
USAA	$184	$31
Hastings Mutual	$198	$33
Indiana Farmers	$204	$34
Progressive	$238	$40
Auto-Owners	$244	$41
Grange	$244	$41
Travelers	$258	$43
SafeAuto	$271	$46
Farm Bureau	$330	$57
State Farm	$330	$56
Allstate	$574	$97
Farmers	$606	$101

Cheapest Full Coverage Car Insurance in Bedford

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bedford is American Family at $54 per month and $323 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bedford, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$323	$54
Auto-Owners Insurance Co	$448	$77
Westfield	$455	$75
Nationwide	$567	$95
Hastings Mutual	$633	$107
USAA	$646	$109
Hastings Insurance	$713	$119
Progressive	$751	$127
Travelers	$751	$127
Auto-Owners	$850	$143
Farm Bureau	$1088	$181
State Farm	$1207	$203
Allstate	$1523	$256
Farmers	$1688	$287

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Average Car Insurance in Bedford by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bedford, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Bedford, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bedford's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bedford

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$426
40s	USAA	$400
50s	USAA	$379
60s	USAA	$394
70s	Buckeye Insurance Group	$421

Cheapest Car Insurance Rates for Teen Drivers in Bedford,IN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Bedford at $28 per month. At $4306 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
American Family	$184	$31
Auto-Owners Insurance Co	$238	$40
Grange	$258	$43
USAA	$725	$122
Travelers	$936	$158
Progressive	$1016	$171
Auto-Owners	$2492	$424
Allstate	$3250	$542
State Farm	$3442	$585
Farm Bureau	$3831	$638
Farmers	$4306	$733

Teen Car Insurance Rates in IN by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Bedford.

As young drivers face the highest rates in Bedford, USAA offers the cheapest auto insurance rates at $426 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bedford, Westfield is the cheapest car insurance provider. At $264 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bedford is State Farm, offering rates of around $4932 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
American Family	$276	$47
Nationwide	$310	$52
Grange	$330	$56
Progressive	$844	$142
Travelers	$850	$143
USAA	$989	$169
Allstate	$1319	$222
Farm Bureau	$2229	$379
Auto-Owners	$2756	$460
Farmers	$2756	$468
State Farm	$4932	$823

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Save up to $971/yr on car insurance rates in Bedford.

Car Insurance Rates with An Accident in Bedford

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bedford, IN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bedford

The cheapest car insurance companies after an at-fault accident in Bedford include American Family and AutoOwners Insurance Co, offering $224 and $258, respectively. Allstate is an expensive provider with an average six-month premium of $2723.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Auto-Owners Insurance Co	$258	$43
Indiana Farmers	$264	$44
Grange	$290	$49
USAA	$507	$85
Travelers	$587	$99
Auto-Owners	$613	$103
Progressive	$626	$105
State Farm	$857	$144
Farmers	$1345	$226
Farm Bureau	$1615	$270
Allstate	$2723	$463

Bedford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bedford IN. For example, the car insurance in Bedford after a DUI increases to $837 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Bedford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$910	$152
One Med/PIP claim	$910	$154
Not-at-fault accident	$962	$161
Two Med/PIP claims	$976	$165
One comp claim	$982	$164
Failure to show documents	$1029	$175
Failure to wear a seat belt	$1036	$172
Two comp claims	$1042	$178
Child safety restraint	$1055	$175
Driving without lights	$1055	$180
Driving with expired registration	$1094	$182
Speeding 6 - 10 MPH over limit	$1114	$190
Driving too slowly	$1121	$186
Failure to yield	$1121	$191
Following too closely	$1121	$186
Illegal turn	$1121	$191
Speeding in school zone	$1121	$186
Cell phone violation	$1128	$192
Speeding 11 - 15 MPH over limit	$1128	$188
Texting while driving	$1128	$192
Wrong way/wrong lane	$1128	$188
Failure to stop at a red light	$1134	$193
Improper passing	$1141	$190
Speeding 16 - 20 MPH over limit	$1141	$194
At-fault accident - less than $1000	$1154	$192
Passing school bus	$1173	$200
Speeding 21 - 25 MPH over limit	$1233	$205
At-fault accident - $1000-$2000	$1272	$216
In 65 MPH zone	$1292	$215
At-fault accident - greater than $2000	$1299	$221
Operating a vehicle without permission	$1391	$232
Open container	$1404	$239
Racing	$1707	$284
Reckless driving	$1714	$292
Refusal to submit to a chemical test	$1734	$289
DUI	$1747	$297
Leaving scene of an accident/hit and run	$1780	$296
Driving with a suspended license	$1794	$305

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bedford after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bedford.

The cheapest car insurance premiums in Bedford are offered by American Family at $224 for a six-month policy. However, it can be as expensive as $3026 with companies like Farmers.

Bedford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$224	$38
Grange	$408	$70
Travelers	$619	$104
Progressive	$626	$105
USAA	$765	$129
Farm Bureau	$1272	$214
State Farm	$1285	$216
Allstate	$1404	$236
Auto-Owners	$1938	$326
Hastings Mutual	$2083	$354
Farmers	$3026	$504

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bedford are offered by Westfield at $171. However, it can be as expensive as $2123 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bedford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
American Family	$224	$38
Auto-Owners Insurance Co	$238	$40
Travelers	$666	$112
Progressive	$679	$114
USAA	$679	$113
State Farm	$725	$122
Auto-Owners	$982	$164
Farm Bureau	$1305	$222
Farmers	$2097	$350
Allstate	$2123	$361

Car Insurance Price Trends in Bedford, Indiana

Car insurance rates in Bedford have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bedford rose by $173 in January compared to $149 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Bedford rose to $46 in January, compared to $43 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bedford?

The car insurance in Bedford is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Bedford?

The cheapest car insurance in Bedford is $54 per month for full coverage.

How much is car insurance in Bedford for teenagers?

Car insurance for teenagers costs $165 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bedford?

The average cost of car insurance is $749 for a six-month policy. It will cost around $140 per month to insure your car in Bedford.

Is car insurance expensive in Bedford?

Car insurance can be expensive in Bedford if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bedford can be affordable.

Cheapest Car Insurance Quotes in Bedford

Why you can trust Way?

How Much Is Car Insurance in Bedford

Avg. Car Insurance in Bedford

Avg. Car Insurance in Indiana

National Average

Cheapest Car Insurance Companies in Bedford

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Bedford Car Insurance Rates by Company

Cheap Car Insurance Companies in Bedford, IN

Way's key takeaways about car insurance in Bedford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bedford

Cheapest Liability Coverage in Bedford, IN

Cheapest Full Coverage Car Insurance in Bedford

Cheapest Full Coverage Car Insurance Quotes in Bedford, IN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bedford by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bedford, IN increasing?

Car Insurance Premiums by Age in Bedford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bedford,IN

If you are in your twenties USAA is the best choice for car insurance in Bedford.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bedford

Cheapest Car Insurance Companies after an At-Fault Accident in Bedford

Bedford Car Insurance Rates by Violation

Bedford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bedford after a DUI

Bedford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bedford after Speeding ticket

Car Insurance Price Trends in Bedford, Indiana

Average Car Insurance Cost in Bedford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bedford, IN

Car Insurance Rates by State in the USA (2025 Update)

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