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Cheapest car insurance in Bedford, Kentucky (Apr 2024)
Cheapest car insurance in Bedford, Kentucky (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Bedford, Kentucky.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance in Bedford, Kentucky
- Best car insurance companies in Bedford
- Best cheap car insurance quotes in Bedford
- Average cost of car insurance in Bedford, Kentucky
- Why is car insurance so expensive in Bedford?
- Car insurance quotes in Bedford by rating factors
- How do different factors impact your car insurance costs in Bedford?
- Cheap car insurance quotes in Bedford after driving violations
- Cheap car insurance quotes in Bedford by age
- Cheap car insurance quotes in Bedford based on insurance history
- Cheap car insurance quotes in Bedford for popular cars
- How to lower car insurance costs in Bedford
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
Bedford Car Insurance: Quick Facts
Bedford Car Insurance: Quick Facts
- Bedford drivers pay an average of $89 per month for minimum liability coverage
- Bedford drivers pay an average of $204 per month for full coverage
- The average auto insurance rates in Bedford are higher than both the Kentucky and national average
- Kentucky’s minimum insurance requirements stipulate 25/50/25 of liability coverage
How to find the cheapest car insurance in Bedford, Kentucky
With its minuscule population and low crime rate, drivers in Bedford enjoy
cheaper car insurance
than the rest of the state of Kentucky
. However, historical earthquake data and high winds push the average rates for comprehensive insurance coverage far above the national average. Small towns like Bedford may offer limited insurance options, making it a challenge to compare auto insurance quotes and companies.
Jerry
makes it possible to access a licensed insurance broker from your smartphone. One quick download and signup later, you’ll have access to the most competitive quotes taken from a comparison of dozens of insurers.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $155 | Linnie, 35 Zip: 40006 | Dodge Durango SXT | • State Minimum Liability • Comp / Collision |
| Safeco | $155 | Alta, 45 Zip: 40006 | Chevrolet Silverado K1500 LTZ | • 50,000/100,000 Liability • Comp / Collision |
| Bristol West | $93 | Bernice, 29 Zip: 40006 | Hyundai Santa FE SE | • State Minimum Liability |
Clearcover | $298 | Bryan, 26 Zip: 40006 | KIA Optima LX | • State Minimum Liability • Comp / Collision |
Last Updated Apr 19, 2024Best car insurance companies in Bedford
Most drivers in Kentucky opt for the following five auto insurance companies:
The best car insurance company, however, depends on your priorities. In Jerry’s nationwide survey, policyholders who valued affordability chose
National General
, Allstate
, and Clearcover. Those who valued customer service rated the Farm Bureau highly. Finally, National General took the gold for best overall score.Based on verified customer reviews, Jerry's survey shows how Kentucky drivers rate their car insurance companies in several categories.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.5 | 4.3 | 4.2 | 4.6 |
| State Farm | 4.1 | 3.2 | N/A | 4.2 |
| Allstate | 3.8 | 3.4 | N/A | 4 |
Liberty Mutual | 3.7 | 3.4 | N/A | 3.8 |
| Geico | 3.7 | 3 | 3 | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Bedford
Kentucky car insurance law
mandates drivers to maintain minimum liability insurance along with basic personal injury protection (PIP)
coverage. Failure to obtain and maintain insurance on a vehicle can result in registration revocation, a fine of up to $1,000, and up to 90 days in jail.It’s important to follow state insurance laws to financially protect yourself and others in case of an accident.
Cheap minimum liability insurance quotes in Bedford
There are two types of basic minimum liability insurance coverage in Kentucky. The first type of required insurance is
liability car insurance
, which is referred to as 25/50/10 coverage, breaks down as follows:- $50,000 of total bodily injury coverage per accident
Alternatively, the second type of minimum liability coverage auto owners may opt for is a single policy limit of $60,000.
In addition to liability coverage, all car insurance policies in Kentucky automatically come with $10,000 of basic PIP benefits. In exchange for these benefits, drivers agree to limitations on their right to sue other drivers for bodily injury under $1,000.
But because Kentucky is a so-called “choice no-fault state,” it’s possible to reject the PIP coverage—and the limitations on your right to sue—in writing using the
Kentucky No-Fault Rejection Form
.No matter what choice you make, Jerry can help you find a policy with the minimum requirements for the lowest rate available.
Linnie (35 years old)
$155
per month
Bernice (29 years old)
$93
per month
Do you need more than minimum coverage in Bedford?
Most drivers in Bedford need higher liability coverage than the 25/50/25 state minimum mandated by Kentucky car insurance laws.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can easily climb above $40,000—well past that $25,000 property damage limit.
It’s important to note that
Kentucky’s car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident! The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to protect your car with full coverage.
Cheap full coverage car insurance quotes in Bedford
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your vehicle. - Collision coverageinsures your vehicle in the event of a collision, regardless of fault. If your car is damaged in an accident, collision coverage helps cover repair or replacement costs up to the vehicle's actual cash value.
- Comprehensive coveragecovers damage to your vehicle not caused by a collision. It typically includes theft, vandalism, fire, natural disasters, falling objects, and certain types of animal-related damage.
While a full coverage policy tends to come with higher annual premiums, most drivers find that the peace of mind is well worth it. And if your car is financed or leased, your lender will require it. Jerry can assist you in purchasing a foul coverage plan that also aligns with your financial goals.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. The table below shows some recent examples of the cheapest Bedford full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $155 | Linnie, 35 Zip: 40006 | Dodge Durango SXT |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $155 | Alta, 45 Zip: 40006 | Chevrolet Silverado K1500 LTZ |
• State Minimum Liability • Comp / Collision | Clearcover | $298 | Bryan, 26 Zip: 40006 | KIA Optima LX |
Last Updated Apr 19, 2024The best and quickest way to find the cheapest car insurance for your chosen coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, provides a free app that compares car insurance quotes and offers end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Bedford, Kentucky
In Bedford, the average minimum-liability insurance policy costs $89 per month and $1,077 per year. For full coverage auto insurance, the average is $204 per month and $2,458 per year.
For comparison, the state and national average annual car insurance premiums are as follows:
Coverage type | Bedford | Kentucky | United States |
|---|---|---|---|
Minimum coverage | $1,077 | $1,304 | $927 |
Full coverage | $2,458 | $2,392 | $1,984 |
Bedford has slightly above-average rates, but don’t lose hope! Auto insurance providers use different formulas to
calculate your premiums
and you may receive lower quotes. You can find the best deal by comparing prices and searching for discounts.Why is car insurance so expensive in Bedford?
Car insurance in Bedford isn’t as expensive as it is in
Louisville
, but it’s above the national average for three reasons:- Earthquakes: Historical earthquake activity leads providers to believe Bedford drivers could incur costly damages, so they raise insurance rates to compensate.
- Fatal crashes: Kentucky’s rate of fatalities per 100,000 people is higher than the rest of the nation.1 Serious and fatal crashes can lead to costly claims, so providers in the Bluegrass State charge drivers more for coverage.
- Rain: Bedford sees above-average precipitation and humidity in the summer, which can cause slick roads and reduced visibility (and more car accidents) as a result.2
However, Bedford’s population has fallen sharply since 2000, meaning rates might fall as the streets get emptier. To take advantage of any change, experts recommend
shopping for car insurance
every six months. Jerry’s shopping reminders can help you stay on top of local deals.Car insurance quotes in Bedford by rating factors
Insurance companies in Bedford use many rating factors when
calculating your auto insurance premium
: - Your driving record and claims history: Insurers will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 will pay higher insurance rates as insurance providers consider young drivers a higher risk due to limited driving experience.
- The kind of car you own: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you store your car: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure.
How do different factors impact your car insurance costs in Bedford?
How do different factors impact your car insurance costs in Bedford?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Kentucky currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Bedford:
Cheap car insurance quotes in Bedford after driving violations
Your Kentucky driving record impacts your auto insurance quotes. If insurance providers see a history of violations, they’ll view you as a higher risk and charge a steeper rate. Some common violations that may raise your insurance rates include the following:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Bedford after speeding ticket
In Bedford, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with speeding tickets of varying severities save on car insurance.
Last Updated Apr 19, 2024Cheapest car insurance in Bedford after DUI
In Bedford,
a DUI violation
can raise your insurance rates and label you as a high-risk driver
. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another. That means you should compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Bedford drivers find affordable auto insurance rates after a DUI.
Cheapest car insurance in Bedford after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. For Bedford drivers, car accidents could result in an average rate increase.
Kentucky is an at-fault state. If you’ve recently caused an accident, your car insurance rates could skyrocket. Jerry has helped many Bedford drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $155 | Emily, 35 Zip: 40006 | Dodge Durango SXT | • State Minimum Liability • Comp / Collision |
Not At Fault | Progressive | $150 | Steve, 32 Zip: 40006 | Dodge Durango GT | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Bristol West | $93 | Lula, 29 Zip: 40006 | Hyundai Santa FE SE | • State Minimum Liability |
Last Updated Apr 18, 2024Cheapest car insurance in Bedford after other driving violations
If you’ve been hit with speeding, DUI, or
reckless driving in Kentucky
, bringing your rates back down might seem impossible. However, there’s still one thing you can do to find affordable rates in Bedford—turn to a licensed insurance broker!A broker helps find the right coverage and price for every situation. Provided you’re looking in the right place (hint: try the App Store!), you can benefit from their advice for next to nothing.
Last Updated Apr 19, 2024Cheap car insurance quotes in Bedford by age
Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75. Whether you're a teenage driver or
senior driver
who falls outside these bounds, here's how to make the most of your age. Cheapest car insurance in Bedford for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Bedford. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens are more likely to get into accidents. But staying on a parent’s policy is the best way to keep rates low.Johnny (22 years old)
$94
per month
Cheapest car insurance in Bedford for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies.
This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
Cheap car insurance quotes in Bedford based on insurance history
Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.
Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a
lapse in insurance coverage
could lead to being labeled a “high-risk driver,” resulting in higher premiums.Cornelia (35 years old)
$155
per month
Phillip (45 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Bedford, KY (Zip Code: 40006)
$155
per month
Mason (45 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Bedford, KY (Zip Code: 40006)
$160
per month
Lula (29 years old)
$93
per month
Over 4,000,000 customers and counting
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Just made the switch from Geico to Progressive. I was able to reduce my premium by almost $500 a year while also getting increased coverage on my vehicles.
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Ibrahim
Cheap car insurance quotes in Bedford for drivers with poor credit
Unfortunately, having low credit can stop you from finding the best rates.
Insurers use credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the higher the insurance cost you will face.
While your credit score may not be a good indicator of how you drive, individuals with low credit scores get penalized regarding premiums.
On average, Kentucky drivers with poor credit scores can see rates about 93% higher than drivers with good credit scores. That said, the degree to which your credit score affects premiums varies between auto insurance companies.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $155 | Maude, 35 Zip: 40006 | Dodge Durango SXT | • State Minimum Liability • Comp / Collision |
Last Updated Apr 19, 2024Cheap car insurance quotes in Bedford for popular cars
The
cheapest cars to insure
are typically the ones that are the cheapest to buy, repair, and replace. But when it comes to safety ratings, anti-theft measures, and driver assistance technology, you should buy the best possible. All three can help lower your car insurance rates.For Kentuckians, five cars provide the best balance of features and affordability. Bedford’s high poverty rate means you’re more likely to see used models on the road.4
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Chevrolet Silverado K1500 LTZ | Safeco | $155 | James, 45 Zip: 40006 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 14, 2024How to lower car insurance costs in Bedford
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place.
To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Each insurance company offers
a set of discounts
, but the precise discount provided varies by company. Some standard deals include the following: - Good driver discounts. Many insurance providers offer discounts for drivers with a history of safe driving. Drivers with one or fewer points on their license and no at-fault accidents may be eligible to receive good driver discounts.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you have full coverage car insurance, raising your deductible is an easy way to lower your monthly expenses without sacrificing coverage.
Learn more:
11 Ways to lower car insurance
FAQ
How much is car insurance in Bedford?
People living in Bedford pay on average $89 per month – or $1,077 per year – on state-minimum liability coverage. Full coverage in Bedford costs on average $204 per month or $2,458 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Bedford?
Based on thousands of Bedford drivers Jerry has worked with, car insurance in Bedford costs an average of $89 per month for state-minimum coverage and $204 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Bedford?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Clear Cover,
Mapfre
, and Metlife receive good ratings from Bedford drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Bedford, Kentucky?
The state-minimum car insurance in Bedford, Kentucky is $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 for damage to property. These coverages are commonly referred to as 15/30/5 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
