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Cheapest car insurance in Bradford, Pennsylvania (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Bradford, Pennsylvania.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Bradford, Pennsylvania

The cost of
auto insurance
in Bradford,
Pennsylvania
, depends on the type of coverage you choose. On average, drivers pay around $43 per month for minimum liability coverage and $100 per month for full coverage insurance. Interestingly, Bradford drivers pay about 31% less than the typical Pennsylvania resident.
Because vehicle insurance costs differ so much between drivers, the closest thing to a one-size-fits-all insurance solution is comparison shopping. By comparing quotes from multiple providers, you have a better chance of finding the most affordable coverage for your personal insurance needs. 
Jerry
helps savvy car insurance shoppers in Bradford find the best rates in the simplest way possible. The app asks a few questions, fetches and compares quotes from top providers, and presents the cheapest options on your smartphone.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$102
Marc, 33
Zip: 16701
Dodge Dart SXT
• State Minimum Liability
Nationwide
$66
Kyle, 54
Zip: 16701
Chevrolet Avalanche C1500
• State Minimum Liability
• Comp / Collision
Bristol West
$106
Essie, 60
Zip: 16701
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
National General
$112
Matilda, 22
Zip: 16701
Honda CR-V EXL
• State Minimum Liability
Plymouth Rock
$329
Sophia, 41
Zip: 16701
Chevrolet Silverado K1500 LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 23, 2024

Best car insurance companies in Bradford

Jerry conducted the largest insurance shopping survey of its kind in the country, asking over 15,000 policyholders across America what they thought of 87 insurance providers.
The data showed that affordable car insurance rates aren’t exclusive to a single company. Each provider calculates its premiums differently, so the cheapest company for one driver isn’t necessarily the cheapest for another.
It's also important to consider customer service, claims handling, and other quality indicators when selecting an insurer.
State Auto
,
Safeco
,
Progressive
,
National General
, and
Travelers
are all popular insurance companies in Bradford, and you can see below how Bradford drivers rated them on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.3
3.7
4.3
4.4
Allstate
4.1
2.8
N/A
4.3
State Farm
3.9
3.1
3.9
3.6
Liberty Mutual
3.6
3.5
3.8
3.5
Geico
3.3
2.6
3
3.5
Highlighticon

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 Bradford

State minimum car insurance requirements in Pennsylvania apply to every driver in Bradford. Before hitting the road, you’ll need an auto insurance policy containing liability and personal injury protection.

Cheap minimum liability insurance quotes in Bradford

Pennsylvania’s minimum car insurance requirements
include two types of coverage:
liability insurance
and
Personal Injury Protection (PIP)
. The law also specifies how much coverage you need for each type of insurance:
You may be able to opt out of PIP if you receive Medicare.
Here are some examples of how Jerry helped Bradford drivers seeking the minimum coverage find the lowest rates:
card cover
Marc (33 years old)
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
carDodge Dart SXT
$102
per month
card cover
Kyle (54 years old)
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
$66
per month
card cover
Clearcover
Mollie (34 years old)
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
$126
per month
card cover
Margaret (48 years old)
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
$172
per month

Do you need more than minimum coverage in Bradford?

You're required to have minimum auto insurance coverage. However, this may not be enough to fully protect you in the event of an accident. 
A serious
car crash in Pennsylvania
could make you responsible not only for repairing your own vehicle but also for the medical bills and property damage of any other party you injured. If a serious injury or the total loss of a vehicle is involved, you’re likely to face much more than $30,000 of medical expenses or $5,000 of property damage. 
The bottom line: First raise your liability coverage limits to 50/100/50 or 100/300/100, then consider any additional options like collision, comprehensive, uninsured motorist, or roadside assistance coverage for full financial protection.

Cheap full coverage car insurance quotes in Bradford

If you get into an accident and your car needs repairs or replacement, you’ll be glad to have
full coverage car insurance
. Full coverage includes two types of coverage: collision and comprehensive. 
Collision coverage
pays for repairs or a replacement if you hit another vehicle or a stationary object, even if it was your fault.
Comprehensive coverage
pays for repairs or a replacement if your car is stolen, vandalized, or damaged by extreme weather.
If you lease or finance your car, your lender will probably require you to have full coverage. However, comparing quotes with Jerry’s insurance services incurs zero obligations.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Clearcover
$126
Mollie, 34
Zip: 16701
KIA Sportage EX
• State Minimum Liability
• Comp / Collision
Bristol West
$106
Essie, 60
Zip: 16701
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
Plymouth Rock
$329
Sophia, 41
Zip: 16701
Chevrolet Silverado K1500 LT
coverageLast Updated Apr 23, 2024
Using a
trustworthy car insurance comparison app
or website is the most effective and efficient way to compare car insurance quotes. 
The Jerry app compares personalized quotes from top insurance companies and gives you the lowest rates. It also offers a team of certified insurance agents who can help answer your questions and cancel your old policy when you find a new deal.
Lower my car insurance too!

Average cost of car insurance in Bradford

Based on Jerry’s experience helping thousands of Bradford drivers find low-cost car insurance, state minimum coverage costs an average of $43 per month or $516 per year. Full coverage insurance in Bradford costs about $100 per month or $1,200 per year.
While average insurance rates can give you an idea of what you might pay, everyone's situation is different. Your exact insurance costs will depend on things like the type of car you have, your age, and your driving history.

Car insurance quotes in Bradford by rating factors 

Every car insurance provider
calculates insurance premiums
differently, but they tend to look at the same rating factors, such as:
  • Your driving history and past claims: Any previous car accidents or traffic tickets may result in increased insurance costs.
  • Your parking spot: Your ZIP code and where you park your car can affect your premium. Usually, drivers in areas with high crime rates pay more for insurance.
  • Your vehicle: Luxury, high-performance, and sports cars typically carry higher collision and comprehensive coverage costs.
  • Your mileage: You’ll pay less to use your car for occasional leisure than regular, traffic-heavy commutes.
  • Your credit score: Pennsylvania insurance companies use credit ratings to evaluate your chances of making claims. Policyholders with lower credit scores tend to pay higher insurance premiums.

How do different factors impact your car insurance costs in Bradford?

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Allowed (with applicable limitations): Driving experience, age, occupation, credit history, education, marital status, employment status, residential status.
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Prohibited (or effectively prohibited): Gender.
Learn more about the car insurance rating factors in Bradford:

Cheap car insurance quotes in Bradford after driving violations

Your driving record plays a major role in determining how much you pay for auto insurance. If you have a history of traffic violations or accidents, you could be labeled a
high-risk driver
. To insurance companies, this signals that you’re more of a risk to insure and more likely to file an expensive claim, so they charge you more.
Any one of the following driving violations could cause your annual premiums to spike:

Cheapest insurance in Bradford, Pennsylvania after a speeding ticket

Pennsylvania speeding tickets
fall into five categories:
  1. Speeding 1-5 miles per hour (MPH) over the limit
  2. Speeding 6-10 MPH over the limit
  3. Speeding 11-15 MPH over the limit
  4. Speeding 16-20 MPH over the limit
  5. Speeding 21 or more MPH over the limit
The consequences (and increase to your rates) get worse the faster you speed. But whatever the category, Jerry can help you find the lowest rates possible after a speeding ticket in Bradford.

Cheapest car insurance in Bradford after DUI

If you get caught
driving under the influence in Pennsylvania
, it can result in a much higher increase in your car insurance premiums compared to other traffic violations. Moreover, different companies charge different car insurance rates to Bradford drivers with a DUI offense on their
driving record
If you've been convicted of a DUI and want to find affordable car insurance options, it's best to compare rates from several insurance providers. Jerry has helped many Pennsylvania drivers with a DUI conviction find the lowest quotes in the area.
card cover
Emma (41 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationBradford, PA
(Zip Code: 16701)
$71
per month
card cover
Lou (33 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBradford, PA
(Zip Code: 16701)
$51
per month

Cheapest car insurance in Bradford after an at-fault accident

After you've been in a car accident, your insurance company investigates to see if you were at fault. 
It matters because even if you live in Pennsylvania—a
no-fault state
—you still have to pay for damages to the other party’s person or car. If you caused the car crash, your insurance company has to pay out, and your rates could spike.
Even good drivers make mistakes. Jerry has helped many Bradford drivers find affordable car insurance after an at-fault collision.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$102
Anne, 33
Zip: 16701
Dodge Dart SXT
• State Minimum Liability
Not At Fault
Bristol West
$115
Ray, 22
Zip: 16701
Honda CR-V EXL
• State Minimum Liability
At Fault With No Injury
National General
$71
Jesus, 41
Zip: 16701
Ford Escape XLT
• State Minimum Liability
coverageLast Updated Apr 23, 2024

Cheapest car insurance in Bradford after other driving violations

Speeding tickets, DUIs, and at-fault accidents aren’t the only ways to raise your auto insurance premiums. Take a look at the table below to see how Jerry helped drivers with a variety of driving violations find the lowest rates possible.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Bristol West
$162
Samuel, 23
Zip: 16701
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
Careless Driving
Bristol West
$162
Harriet, 23
Zip: 16701
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Progressive
$61
Francis, 60
Zip: 16701
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Bristol West
$162
Jonathan, 23
Zip: 16701
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 18, 2024

Cheap car insurance quotes in Bradford by age

Age plays a large role in deciding your monthly premiums. If you’re a teen driver under 25 or a senior driver over 75, you’ll pay more for car insurance than a middle-aged driver.

Cheapest car insurance in Bradford for young drivers

Drivers 16 to 24 in Bradford pay high insurance premiums. That’s because
new drivers
with limited driving experience are more likely to have an accident. To protect yourself financially in case of an accident, it's a good idea to get full coverage insurance.
To find
lower car insurance rates for teen drivers
, keep teens a parent or guardian's insurance policy. Jerry has helped both parents and young drivers in Bradford find more affordable options.
card cover
Eugenia (22 years old)
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
$235
per month
card cover
Clearcover
Clyde (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBradford, PA
(Zip Code: 16701)
carRAM 1500 ST
$140
per month
card cover
Paul (22 years old)
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
carHonda CR-V EXL
$97
per month

Cheapest car insurance in Bradford for senior drivers

As drivers near 75, their car insurance rates usually increase. That’s because older drivers have a high likelihood of getting into accidents and experiencing serious injuries. 
Because insurance providers have to pay more for medical expenses, they charge a lot for
car insurance for seniors
—but that doesn’t mean it’s impossible to find affordable coverage as a senior.
card cover
Irene (76 years old)
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
$79
per month

Cheap car insurance quotes in Bradford based on insurance history

Your insurance history tells providers whether you’re currently insured or not and whether you’ve experienced a
car insurance lapse
. Gaps usually result in higher premiums because providers fear that you’ll skip your bills.
Jerry helps Bradford drivers make a fresh start with a new policy and avoid future gaps with automatic payment and renewal reminders.
card cover
Stephen (60 years old)
Currently Insured
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
carJeep Grand Cherokee Laredo
$61
per month
card cover
Jimmy (54 years old)
Currently Insured
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
$66
per month
card cover
Leon (22 years old)
Currently Insured
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
$235
per month
card cover
Ada (60 years old)
Currently Insured
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
carJeep Grand Cherokee Laredo
$106
per month
card cover
Ivan (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationBradford, PA
(Zip Code: 16701)
carChevrolet Silverado K1500 LT
$329
per month

Cheap car insurance quotes in Bradford for drivers with poor credit

Pennsylvania allows auto insurance companies to factor credit scores into your premiums. Statistics show that drivers with bad credit are more prone to filing claims, so they usually pay more for coverage.
Data shows
that PA drivers with poor credit scores can pay up to 113% more for insurance than drivers with good scores.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$61
Dennis, 60
Zip: 16701
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
660 - 750
Bristol West
$106
Harvey, 60
Zip: 16701
Jeep Grand Cherokee Laredo
• State Minimum Liability
• Comp / Collision
550 - 659
National General
$71
Nannie, 41
Zip: 16701
Ford Escape XLT
• State Minimum Liability
< 550
Bristol West
$115
Micheal, 22
Zip: 16701
Honda CR-V EXL
• State Minimum Liability
coverageLast Updated Apr 21, 2024

How to lower car insurance costs in Bradford

1. Shop around and compare quotes

Every car insurance provider calculates rates differently. To make sure you're getting the best coverage options, compare quotes from at least three different companies every six months. 
If you don't want to spend hours looking at quotes, get a quote comparison app. Jerry gathers and compares prices from top insurance providers and shows you the best rates.

2. Hunt for car insurance discounts

While every provider offers savings, not all providers offer the same
car insurance discounts
. Speak with your provider and ask if they offer programs such as:
  • Good driver discounts: Pennsylvania drivers who maintain a clean driving record for at least three years (meaning no driver violation points or at-fault accidents) could save up to 20% on their premiums.
  • Good student discounts: Full-time college or high school students who maintain a B average or better can turn studies into savings.
  • Low mileage discounts: Drivers who travel less than 10,000 miles each year can sometimes pay less for car insurance products.
  • Bundling policies. If you bundle your homeowners insurance or renters insurance with an auto policy, you could see savings on both.

3. Increase your deductible for comprehensive and collision coverage

Raising your deductible means you pay more out-of-pocket after a car accident, but it can also let you keep full coverage on your car and pay less for car insurance. Just remember that this is often a last resort option and should only be considered if you can afford the increase.

Why is car insurance in Bradford so expensive?

Though Bradford drivers spend less than the state average on insurance, there are still several reasons why it can seem expensive:
  • Healthcare expenses: Healthcare can be expensive, and some residents choose to opt out of health insurance. Insurers raise their rates in anticipation of increased medical expenses after an accident.
  • Heavy traffic: Traffic in Bradford can be heavy, leading to a higher risk of car accidents.
  • High insurance requirements: Bradford car owners are required to purchase both liability and no-fault car insurance under Pennsylvania state laws.
  • Snowy conditions: The increased risk of car accidents and damages due to snowy roads makes for higher insurance costs in Bradford.
  • Uninsured drivers: It’s even more expensive to get into a car crash if the other driver doesn’t have any car insurance—and in PA,
    6% of motorists
    do not have any coverage.

FAQ

How much is car insurance in Bradford?

People living in Bradford spend an average of $43 per month or $516 per year on state-minimum liability coverage. Full coverage in Bradford costs $100 per month or $1,200 per year on average. 
However, because car insurance rates depend greatly on individual circumstances, the "average" car insurance rate doesn’t tell you much about your actual costs. It's best to compare personalized car insurance quotes to get an accurate estimate. 

What is the minimum car insurance in Bradford?

State-minimum car insurance in the Keystone State includes:
  • $15,000 of bodily injury liability coverage per person
  • $30,000 of bodily injury liability coverage per accident 
  • $5,000 of property damage liability coverage per accident
  • $5,000 of PIP insurance coverage per accident

What is the cheapest car insurance in Bradford

Clearcover, Nationwide, Allstate, and Travelers have all offered some of the cheapest rates to Bradford motorists, however it’s important to remember that the best rate for you might look completely different to someone else. Every driver is unique, meaning your rates will be too!

What is the best car insurance in Bradford, Pennsylvania?

Farmers and Kemper are often considered two of the top providers in Pennsylvania, but at the end of the day, it depends on your definition of “best.” Affordability and accessibility are important, but so are customer service and claims handling. So, it really boils down to what is most important to you.
If you’re looking for some of the cheapest car insurance companies in PA, Clearcover, Nationwide, and Allstate have all frequently offered some of the lowest rates in the state.

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

avatar
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.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.