Bedford Heights drivers pay an average of $1,213/year — $558 less than the national average. With 135 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $169/year.
(888) 217-6781Estimated full coverage auto insurance rates for Bedford Heights, OH from top carriers. Rates are adjusted for Bedford Heights's 135 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $459 | $76/mo |
| Erie Insurance | $485 | $81/mo |
| Progressive | $517 | $86/mo |
| State Farm | $570 | $95/mo |
| Allstate | $691 | $115/mo |
Estimates based on 2026 rate filings for ZIP 44128. GEICO is cheapest at ~$76/mo. Actual rates vary by driver profile and exact Bedford Heights location.
These Bedford Heights-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Bedford Heights, OH. Takes under 2 minutes.
(888) 217-6781Bedford Heights is a smaller city in Ohio with a population of 11,020. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as lake-effect snow, severe thunderstorms, tornadoes, flooding, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Bedford Heights.
For official Ohio insurance regulations, visit the Ohio Department of Insurance. For driver licensing, see the Ohio BMV.
Your specific ZIP code within Bedford Heights can swing your premium by hundreds of dollars. Here's how rates compare across Bedford Heights neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 44137 | Bedford Heights South Side | $1,144/yr | $95/mo |
| 44133 | Bedford Heights North Side | $1,162/yr | $97/mo |
| 44136 | Bedford Heights West Side | $1,223/yr | $102/mo |
| 44136 | Bedford Heights East Side | $1,236/yr | $103/mo |
| 44128 | Bedford Heights Downtown/Central | $1,292/yr | $108/mo |
The cheapest ZIP is 44137 (Bedford Heights South Side) at $1,144/yr. The most expensive is 44128 (Bedford Heights Downtown/Central) at $1,292/yr — a $148/year difference for the same driver.
Your Bedford Heights ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Bedford Heights. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,547/yr | $212/mo | +110% vs avg |
| Young Adult (20-25) | $1,698/yr | $142/mo | +40% vs avg |
| Adult (26-35) | $1,213/yr | $101/mo | 0% vs avg |
| Mid-Career (36-50) | $1,067/yr | $89/mo | -12% vs avg |
| Senior (51-65) | $1,007/yr | $84/mo | -17% vs avg |
| 65+ | $1,080/yr | $90/mo | -11% vs avg |
Teens in Bedford Heights pay an average of $2,547/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,007/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Ohio cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Bedford Heights drivers can save up to $169/year. ZIP 44137 (Bedford Heights South Side) has the lowest rates starting at $1,144/yr.
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