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Jerry Data & Research
Cheapest car insurance in Bradford, Pennsylvania (Apr 2024)
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.
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 Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Bradford, Pennsylvania
- Best car insurance companies in Bradford
- Best cheap car insurance quotes in Bradford
- Car insurance quotes in Bradford by rating factors
- How do different factors impact your car insurance costs in Bradford?
- Cheap car insurance quotes in Bradford after driving violations
- Cheap car insurance quotes in Bradford by age
- Cheap car insurance quotes in Bradford based on insurance history
- Cheap car insurance quotes in Bradford for popular cars
- How to lower car insurance costs in Bradford
- FAQ
- Methodology
- Meet our experts
Load full table of contents
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 company | Premium (monthly) | Customer | Car | Insurance 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 |
Last Updated Apr 17, 2024Best 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 company | Overall rating | Price | Claims experience | Customer 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 |
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 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:- $30,000 of bodily injury liability coverage per accident
- $5,000 of PIP insurance coverage per accident
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:
Marc (33 years old)
$102
per month
Kyle (54 years old)
$66
per month
Clearcover
Mollie (34 years old)
$126
per month
Margaret (48 years old)
$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 coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 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 |
Last Updated Apr 17, 2024Using 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.
"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 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?
How do different factors impact your car insurance costs in Bradford?
Allowed (with applicable limitations): Driving experience, age, occupation, credit history, education, marital status, employment status, residential status.
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:- Speeding 1-5 miles per hour (MPH) over the limit
- Speeding 6-10 MPH over the limit
- Speeding 11-15 MPH over the limit
- Speeding 16-20 MPH over the limit
- 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.
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance 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 |
Last Updated Apr 17, 2024Cheapest 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.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance 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 |
Last Updated Apr 12, 2024Cheap 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.Clearcover
Clyde (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Bradford, PA (Zip Code: 16701)
$140
per month
Paul (22 years old)
$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.Irene (76 years old)
$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.
Stephen (60 years old)
$61
per month
Jimmy (54 years old)
$66
per month
Ada (60 years old)
$106
per month
Ivan (41 years old)
$329
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Never had an issue. Can't say I've had to make a claim or anything but they're easy to get ahold of and willing to help
Meghan
Awesome customer service and great cheap insurance super happy with my choice!
Brittany
Good company...fast towing services.
Ingrid
I love this insurance! They prices are reasonable and you can get everything you need just under an affordable rate.
Dakiyah
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 Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance 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 |
Last Updated Apr 15, 2024Cheap car insurance quotes in Bradford for popular cars
Your vehicle’s purchase price, repair cost, parts availability, and safety rating all impact your rates. As a general rule of thumb, driving the lowest-cost, least-risky vehicle will get you cheaper premiums.
The five most popular cars in Bradford are:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic LX | Progressive | $80 | Sara, 29 Zip: 16701 | • State Minimum Liability |
| Honda CR-V EXL | Bristol West | $115 | Raymond, 22 Zip: 16701 | • State Minimum Liability |
Last Updated Apr 17, 2024How 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 motoristsdo 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
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.
Maria Cruz
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.
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.
