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Finding the cheapest car insurance quotes in Bethlehem shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Bethlehem
The car insurance rate in Bethlehem is $843 for a six-month policy, which is $173 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $617, making it a popular choice for budget-conscious drivers. Rates in Bethlehem 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.
At $617 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $666 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $681
for six months, making it
the third cheapest auto insurance company in Bethlehem.
Bethlehem Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bethlehem, MD is Kemper, offering policies at just $617 for a six-month term. This is followed by USAA, which has an average six-month premium of $666.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1578 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bethlehem drivers find the best deals.
Way's key takeaways about car insurance in Bethlehem
The auto insurance costs in Bethlehem fall around $617 for six
months.
The cheapest auto insurance company in Bethlehem is USAA.
Teen drivers pay the highest rate in Bethlehem at $1108 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Bethlehem
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 Bethlehem are given below.
USAA provides
the cheapest minimum car insurance
coverage in Bethlehem. Their Average 6 Month Premium is $247.
Allstate is the most
expensive at $863 for the same
period.
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 Bethlehem is Kemper
at $105 per month and $617
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bethlehem,
MD
Get Your Car Insurance Quote in Bethlehem
Instantly!
Average Car Insurance in Bethlehem 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 Bethlehem, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bethlehem, Maryland, may be increasing due to several external factors.
Maryland has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Bethlehem's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bethlehem
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
20s
Travelers
$569
30s
Travelers
$485
40s
Travelers
$442
50s
Travelers
$417
60s
Travelers
$468
70s
USAA
$495
Cheapest Car Insurance Rates for Teen Drivers in
Bethlehem,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Bethlehem at $63
per
month. At $6582 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Bethlehem.
As young drivers face the highest rates in Bethlehem, Travelers
offers the cheapest auto insurance rates at $569 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 Bethlehem,
USAA is
the cheapest car insurance provider. At $779 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
Bethlehem is State Farm, offering
rates of around $2948 for six
months.
Save up to $971/yr on car insurance rates in Bethlehem.
Car Insurance Rates with An Accident in Bethlehem
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 Bethlehem, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bethlehem
The cheapest car insurance companies after an at-fault accident in
Bethlehem include Erie
and USAA, offering $612
and $696,
respectively. Encompass is an expensive provider
with an average six-month premium of
$547.
Here is a list of driving violations that can increase your car
insurance rates in Bethlehem MD. For example, the car
insurance in Bethlehem
after a DUI increases to $936 for a six
month policy. While the rate increases by $217 for a six-month policy in the case of
a speeding ticket.
Bethlehem auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$996
$166
One Med/PIP claim
$1030
$175
Not-at-fault accident
$1070
$178
One comp claim
$1075
$183
Two Med/PIP claims
$1095
$183
Failure to wear a seat belt
$1129
$192
Failure to show documents
$1159
$193
Child safety restraint
$1169
$198
Two comp claims
$1169
$195
Driving with expired registration
$1198
$203
Cell phone violation
$1213
$203
Driving too slowly
$1213
$206
Failure to stop at a red light
$1213
$203
Failure to yield
$1213
$206
Following too closely
$1213
$203
Illegal turn
$1213
$206
Improper passing
$1213
$203
Speeding 11 - 15 MPH over limit
$1213
$206
Speeding 16 - 20 MPH over limit
$1213
$203
Speeding 6 - 10 MPH over limit
$1213
$206
Texting while driving
$1213
$203
Wrong way/wrong lane
$1213
$206
Speeding in school zone
$1228
$205
At-fault accident - less than $1000
$1252
$213
Passing school bus
$1257
$209
Driving without lights
$1262
$215
Open container
$1267
$211
Operating a vehicle without permission
$1282
$218
Speeding 21 - 25 MPH over limit
$1326
$221
In 65 MPH zone
$1449
$247
At-fault accident - $1000-$2000
$1494
$249
At-fault accident - greater than $2000
$1494
$254
Reckless driving
$1706
$285
Racing
$1834
$312
Driving with a suspended license
$1863
$310
Refusal to submit to a chemical test
$1923
$327
DUI
$1932
$322
Leaving scene of an accident/hit and run
$1947
$331
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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 Bethlehem 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 Bethlehem.
The cheapest car insurance premiums in
Bethlehem are
offered by Erie at $523 for a six-month policy.
However, it can be as
expensive as $2150 with companies
like Nationwide.
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 Bethlehem are offered by State Farm
at $468. However,
it can be as expensive as $2012
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Bethlehem after Speeding ticket
Car insurance rates in Bethlehem have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bethlehem rose by
$177 in December
compared to $176 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Bethlehem remained steady at $64 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Bethlehem by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Bethlehem. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Bethlehem?
The car insurance in Bethlehem is $42 per month, which is lower than the national average.
What is the cheapest car insurance in Bethlehem?
The cheapest car insurance in Bethlehem
is $105 per month
for full coverage.
How much is car insurance in Bethlehem for teenagers?
Car insurance for teenagers costs $370 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
Bethlehem?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $142 per month to insure your
car in Bethlehem.
Is car insurance expensive in Bethlehem?
Car insurance can be expensive in Bethlehem if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bethlehem can be
affordable.
What is the best car insurance in Bethlehem,
MD?
The best car insurance company in Bethlehem
MD is
Kemper, offering $617 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Bethlehem, MD
Car Insurance Rates by State in the USA (2025 Update)
Bethlehem Car Insurance
