Cheapest car insurance companies in Bear
According to a study by Insurance.com, the cheapest car insurance companies in Bear for 2023 are Travelers and Geico.
Travelers is the cheapest option for most Bear drivers, with an average annual rate of $1,653 .
Car insurance prices in Bear can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Bear drivers.
| Companies | Average annual rates |
|---|---|
| Travelers | $1,653 |
| USAA | $1,693 |
| Geico | $1,856 |
| Nationwide | $1,899 |
| Progressive | $2,061 |
| State Farm | $2,636 |
| Donegal | $2,995 |
| American Family | $3,134 |
Cheapest car insurance cost in Bear by Age Group
The cheapest auto insurance company in Bear for teen drivers is Geico. For full coverage, its average annual rate for Bear drivers is $6,284. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Among the carriers analyzed, Geico is the cheapest car insurance option for young drivers in Bear, at $2,627 a year for a full coverage policy.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Bear is Travelers. Its average rate for a full coverage car insurance policy is $1,562 per year.
Travelers tops the list in terms of affordability for senior drivers in Bear. With an average annual premium of $1,653, Travelers offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Allstate | N/A | $6,806 | N/A | N/A |
| Geico | $6,284 | $2,627 | $1,853 | $1,826 |
| Nationwide | $6,443 | $3,520 | $1,885 | $1,848 |
| USAA | $6,827 | $2,970 | $1,814 | $1,688 |
| State Farm | $8,118 | $4,517 | $2,657 | $2,707 |
| Donegal | $8,896 | $5,521 | $2,907 | $2,645 |
| American Family | $9,411 | $5,572 | $2,995 | $2,857 |
| Progressive | $10,905 | $3,492 | $2,065 | $2,275 |
| Travelers | $11,333 | $2,751 | $1,562 | $1,653 |
Cheapest car insurance companies in Bear by driver profile
Your driving profile plays an important role in determining your car insurance rates in Bear. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
To find the cheapest car insurance company in Bear, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Bear drivers based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
If you're a Bear driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $2,130 annually.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $2,130 |
| Nationwide | $2,471 |
| USAA | $2,814 |
| Progressive | $3,209 |
| Travelers | $3,242 |
| State Farm | $5,366 |
| Allstate | $5,839 |
Cheapest for drivers with a speeding ticket: State Farm
In Bear, State Farm provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,908, on average.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| State Farm | $1,908 |
| USAA | $1,986 |
| Nationwide | $2,543 |
| Progressive | $2,543 |
| Travelers | $2,545 |
| Geico | $3,221 |
| Allstate | $4,328 |
Cheapest auto insurance after an at-fault accident: USAA
If you've had an accident, USAA might be your best bet for affordable auto insurance.
For Bear drivers with an at-fault accident, USAA offers the cheapest average annual rate at $1,808. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| USAA | $1,808 |
| Travelers | $2,023 |
| State Farm | $2,070 |
| Nationwide | $2,625 |
| Progressive | $3,318 |
| Geico | $3,790 |
| Allstate | $6,619 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Bear for drivers with a DUI, with an average annual premium of $1,908.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $1,908 |
| USAA | $2,877 |
| Progressive | $3,308 |
| Nationwide | $3,898 |
| Travelers | $3,997 |
| Geico | $4,026 |
| Allstate | $6,209 |
Average car insurance cost in Bear
Full coverage car insurance in Bear for a coverage limit of 100/300/100 is $2,241 per year or $187 per month, while the state minimum coverage costs an average of $915 a year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,241 | $915 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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