Bedford drivers pay an average of $1,249/year — $522 less than the national average. With 169 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $205/year.
(888) 217-6781Estimated full coverage auto insurance rates for Bedford, OH from top carriers. Rates are adjusted for Bedford's 169 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $472 | $79/mo |
| Erie Insurance | $500 | $83/mo |
| Progressive | $532 | $89/mo |
| State Farm | $586 | $98/mo |
| Allstate | $711 | $119/mo |
Estimates based on 2026 rate filings for ZIP 44146. GEICO is cheapest at ~$79/mo. Actual rates vary by driver profile and exact Bedford location.
These Bedford-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Bedford, OH. Takes under 2 minutes.
(888) 217-6781Bedford is a smaller city in Ohio with a population of 13,149. 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.
For official Ohio insurance regulations, visit the Ohio Department of Insurance. For driver licensing, see the Ohio BMV.
Your specific ZIP code within Bedford can swing your premium by hundreds of dollars. Here's how rates compare across Bedford neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 44149 | Bedford South Side | $1,188/yr | $99/mo |
| 44149 | Bedford North Side | $1,206/yr | $101/mo |
| 44166 | Bedford West Side | $1,240/yr | $103/mo |
| 44150 | Bedford East Side | $1,252/yr | $104/mo |
| 44146 | Bedford Downtown/Central | $1,337/yr | $111/mo |
The cheapest ZIP is 44149 (Bedford South Side) at $1,188/yr. The most expensive is 44146 (Bedford Downtown/Central) at $1,337/yr — a $149/year difference for the same driver.
Your Bedford ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Bedford. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,623/yr | $219/mo | +110% vs avg |
| Young Adult (20-25) | $1,749/yr | $146/mo | +40% vs avg |
| Adult (26-35) | $1,249/yr | $104/mo | 0% vs avg |
| Mid-Career (36-50) | $1,099/yr | $92/mo | -12% vs avg |
| Senior (51-65) | $1,037/yr | $86/mo | -17% vs avg |
| 65+ | $1,112/yr | $93/mo | -11% vs avg |
Teens in Bedford pay an average of $2,623/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,037/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 drivers can save up to $205/year. ZIP 44149 (Bedford South Side) has the lowest rates starting at $1,188/yr.
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