Compare Bedford, IA Car Insurance Rates (2021)

Car insurance in Bedford, IA averages $267 a month. Bedford, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Bedford car insurance rates, compare quotes from the top car insurance companies in Bedford, IA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Bedford, IA after a DUI are $3,850/year
  • The cheapest car insurance company in Bedford is USAA
  • The cheapest car insurance company in Bedford for teen drivers is USAA

If you need to buy Bedford, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Bedford, IA is right here.

You’ll find Bedford car insurance rates, the cheapest Bedford, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Bedford, Iowa car insurance rates to Cedar Rapids car insurance rates, Council Bluffs car insurance rates, and Iowa City car insurance rates.

Ready to find affordable Bedford, IA car insurance today? Enter your ZIP code for fast, free Bedford car insurance quotes.

Cheapest Bedford, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bedford, IA car insurance rates? Every Bedford, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bedford, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,094 $2,011 $1,856 $1,890 $6,060 $6,823 $2,285 $2,354
American Family $2,294 $2,294 $2,044 $2,044 $6,011 $8,510 $2,294 $2,774
Farmers $1,595 $1,625 $1,428 $1,560 $4,821 $5,140 $2,159 $2,309
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,156 $2,346 $1,891 $2,300 $10,106 $11,385 $2,443 $2,698
Nationwide $1,886 $1,942 $1,676 $1,797 $4,255 $5,540 $2,125 $2,319
Progressive $2,355 $2,310 $1,940 $1,997 $5,107 $5,800 $2,847 $3,069
State Farm $1,569 $1,569 $1,356 $1,356 $3,927 $5,019 $1,756 $1,984
Travelers $2,756 $2,814 $2,671 $2,676 $11,988 $19,010 $2,864 $3,411
USAA $1,284 $1,308 $1,170 $1,207 $3,336 $3,568 $1,549 $1,717

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Minimum Car Insurance in Bedford, IA

Every driver must carry the minimum car insurance in Bedford, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Bedford, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Bedford, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bedford, IA. Compare credit history car insurance rates in Bedford from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bedford, Iowa

Insurance Company Poor Fair Good
Allstate $3,795 $3,014 $2,706
American Family $4,511 $3,312 $2,775
Farmers $2,960 $2,455 $2,325
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,308 $3,880 $3,058
Nationwide $3,281 $2,555 $2,242
Progressive $3,811 $3,017 $2,707
State Farm $3,300 $2,041 $1,610
Travelers $6,786 $5,782 $5,503
USAA $2,498 $1,705 $1,473

Cheapest Bedford, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bedford, IA to rates for a clean record with top companies.

Annual Bedford, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,694 $3,269 $3,710 $3,013
American Family $2,553 $3,715 $4,858 $3,005
Farmers $2,198 $2,727 $2,768 $2,627
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,816 $4,711 $4,818 $4,316
Nationwide $1,935 $2,801 $3,838 $2,197
Progressive $2,573 $4,127 $2,782 $3,230
State Farm $2,166 $2,468 $2,317 $2,317
Travelers $4,392 $5,847 $7,830 $6,026
USAA $1,452 $1,935 $2,518 $1,664

Cheapest Bedford, IA Car Insurance for Teen Drivers

Teen car insurance in Bedford, IA can be expensive. Take a look at rates from the top car insurance companies in Bedford for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bedford, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,060 $6,823
American Family $6,011 $8,510
Farmers $4,821 $5,140
GEICO $4,142 $3,866
Liberty Mutual $10,106 $11,385
Nationwide $4,255 $5,540
Progressive $5,107 $5,800
State Farm $3,927 $5,019
Travelers $11,988 $19,010
USAA $3,336 $3,568

Cheapest Bedford, IA Car Insurance for Seniors

Take a look at Bedford, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bedford, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,856 $1,890
American Family $2,044 $2,044
Farmers $1,428 $1,560
GEICO $1,620 $1,483
Liberty Mutual $1,891 $2,300
Nationwide $1,676 $1,797
Progressive $1,940 $1,997
State Farm $1,356 $1,356
Travelers $2,671 $2,676
USAA $1,170 $1,207

Cheapest Bedford, IA Car Insurance Rates After a DUI

A DUI in Bedford, IA increases car insurance rates. Compare Bedford, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bedford, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,710
American Family $4,858
Farmers $2,768
GEICO $3,058
Liberty Mutual $4,818
Nationwide $3,838
Progressive $2,782
State Farm $2,317
Travelers $7,830
USAA $2,518

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Cheapest Bedford, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bedford, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bedford, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,096 $3,247
American Family $3,491 $3,575
Farmers $2,580 $2,580
GEICO $2,195 $2,285
Liberty Mutual $4,415 $4,415
Nationwide $2,693 $2,693
Progressive $3,178 $3,178
State Farm $2,262 $2,372
Travelers $6,024 $6,024
USAA $1,823 $1,962

The Best Cheap Car Insurance Companies in Bedford, IA

Take a look at a side-by-side comparison of the top car insurance companies in Bedford, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bedford, Iowa

Insurance Company Average Annual Rates
Allstate $3,171
American Family $3,533
Farmers $2,580
GEICO $2,240
Liberty Mutual $4,415
Nationwide $2,693
Progressive $3,178
State Farm $2,317
Travelers $6,024
USAA $1,892

Category Winners: Cheapest Car Insurance in Bedford, Iowa

Find the cheapest car insurance companies in Bedford, IA for each category right here.

Best Annual Car Insurance Rates by Company in Bedford, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Bedford, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bedford car insurance rates. Find the cheapest Bedford, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bedford, Iowa

Insurance Company Low Medium High
Allstate $3,041 $3,177 $3,297
American Family $3,572 $3,728 $3,299
Farmers $2,470 $2,588 $2,682
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,236 $4,406 $4,604
Nationwide $2,822 $2,674 $2,582
Progressive $3,048 $3,186 $3,300
State Farm $2,226 $2,327 $2,398
Travelers $5,692 $6,114 $6,266
USAA $1,802 $1,898 $1,977

What affects car insurance rates in Bedford, Iowa?

What factors can have an impact on Bedford, IA car insurance? There are several reasons why Bedford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bedford, Iowa.

Commute Time in Bedford

The more time you spend in your car the higher the risk of an accident. The average commute length in Bedford, IA is 22.7 minutes according to City-Data.

Traffic in Bedford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Bedford, IA traffic data from INRIX ranks Bedford as the 313th-most congested in the world.

Compare Car Insurance Quotes in Bedford, IA

Ready to find affordable Bedford, Iowa car insurance today? Enter your ZIP code for fast, free Bedford, IA car insurance quotes.

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Average Monthly Car Insurance Rates by State