Cheapest car insurance companies in Bear 

Travelers and Geico have the cheapest car insurance premiums for Bear drivers in 2023, based on a data study by Insurance.com. 

Travelers has the cheapest car insurance rates in Bear at an average cost of $1,653 per year.

The cost of car insurance in Bear varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Bear.

CompaniesAverage 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 

Geico stands out as Bear's cheapest auto insurance company for teen drivers at an average annual of $6,284. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in Bear, offering full coverage at an annual average cost of $2,627.

Drivers in Bear stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Travelers has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,562 a year

Travelers is the cheapest option for senior drivers in Bear, with an average premium of $1,653 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
AllstateN/A$6,806N/AN/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 

Insurers in Bear consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

Comparison shopping is the key to getting the cheapest car insurance rates in Bear. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

Below are some of the cheapest car insurance companies in Bear by driver profile.

Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Bear drivers is $2,130

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Geico$2,130
Nationwide$2,471
USAA$2,814
Progressive$3,209
Travelers$3,242
State Farm$5,366
Allstate$5,839

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. 

CompanyAverage annual premium
State Farm$1,908
USAA$1,986
Nationwide$2,543
Progressive$2,543
Travelers$2,545
Geico$3,221
Allstate$4,328

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Bear drivers with at-fault accidents. It provides coverage at an average annual cost of $1,808.

CompanyAverage annual rates
USAA$1,808
Travelers$2,023
State Farm$2,070
Nationwide$2,625
Progressive$3,318
Geico$3,790
Allstate$6,619

State Farm is the carrier that offers cheap auto insurance rates in Bear for drivers after a DUI. Its average annual rate for full coverage is $1,908

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage 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 

In Bear, the annual cost of car insurance for the coverage level of 100/300/100 is $2,241 or around $187 per month. However, the average yearly rate for state minimum coverage in Bear is $915.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState 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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