Cheap Car Insurance in Bradford, PA
Everything You Need to Know about Auto Insurance in Pennsylvania
Surrounded by the stunning Allegheny National Forest and located close to the border with New York State, you will find year-round fun for the entire family in Bradford, Pennsylvania. Bradford was settled in 1823 and quickly became a booming oil town. It is now the home of iconic American brands like Zippo Lighters and Case Knives. With four distinct seasons plus miles of trails, city parks, swimming pools, tennis courts, and an enclosed skating rink, Bradford offers options for adventure or relaxation for people of all ages.
With so many opportunities to explore a short drive away, Bradford requires that all drivers carry auto insurance. Failing to maintain your auto insurance can lead to significant fines, suspension of your driver’s license, loss of your vehicle registration, and having to surrender your car tags to the Pennsylvania Department of Transportation. For more information on car insurance in Pennsylvania, including average monthly premiums and the specific penalties for driving without insurance in the region, keep reading below.
How Much Does Car Insurance Cost in Bradford, Pennsylvania?
The average minimum state-required coverage insurance in Bradford, Pennsylvania, is about $36. Full-coverage insurance will be over twice as much at around $123 monthly. The national average for minimum coverage is $64 per month, and the national average for full coverage is $220 per month.
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What does Full vs. Minimum Mean?
The minimum state-required car insurance, or liability insurance, is the bare minimum level of protection that Pennsylvania requires in car insurance to protect the driver and other users of the state’s roads and highways. This mandatory type of insurance usually includes a combination of injury and property damage liability protections. It is designed to offer at least some financial help in the event of a car accident.
Full coverage car insurance adds onto the liability insurance by including comprehensive and collision car insurance. Comprehensive car insurance covers damage caused by events unrelated to a car accident, such as storm damage or falling objects. Collision car insurance even covers damage to your car after a collision with an inanimate object and if you are in an accident with another vehicle.
Affordable Car Insurance Rates Comparison by Cities in Pennsylvania
There are many reasons why car insurance rates vary between Bradford and other cities in Pennsylvania. For example, areas with higher costs for vehicle repairs or medical expenses after accidents typically have more expensive car insurance premiums. To compare the average monthly premiums in Pennsylvania, check out our breakdown below:
| City | Full Coverage Insurance | State Minimum Liability Insurance Coverage |
|---|---|---|
| Bradford | $66 | $17 |
| Harrisburg | $129 | $42 |
| Philadelphia | $309 | $94 |
| Reading | $153 | $49 |
| Hazleton | $144 | $43 |
| Oil City | $141 | $36 |
Affordable Bradford Car Insurance Rates by Zip Code
Car insurance premiums vary greatly in and around Bradford, depending on your zip code. For instance, if your zip code has a higher rate of vehicle claims, that’s usually reflected in higher monthly car insurance rates for that specific zip code. See the average rates within the region below.
| Zip Code | Full Coverage Insurance | State Minimum Liability Insurance Coverage |
|---|---|---|
| 16701 | $105 | $23 |
| 16725 | $106 | $23 |
| 16738 | $108 | $23 |
| 14753 | $124 | $48 |
| 16732 | $108 | $22 |
| 14779 | $128 | $50 |
| 16740 | $109 | $23 |
| 16745 | $108 | $22 |
| 16345 | $109 | $23 |
Low-Cost Car Insurance Rates by Age in Bradford
The age of the driver will typically affect the cost of car insurance. Younger drivers in Bradford, for example, usually pay higher premiums than older drivers. Younger drivers are charged higher premiums due to their lack of experience and higher claims rates. See below for a breakdown of average monthly premiums based on the Bradford residents’ age.
| Age | Full Coverage Insurance | State Minimum Liability Insurance Coverage |
|---|---|---|
| Teenagers | $508 | $148 |
| 20s | $121 | $26 |
| 30s | $101 | $22 |
| 40s | $95 | $22 |
| 50s | $89 | $21 |
| 60s | $89 | $22 |
| 70s | $104 | $27 |
*Disclaimer: The following factors determine average costs unless otherwise specified: male, age 30, lowest possible legal coverage in Pennsylvania. Your rates may vary and will be determined by numerous factors, including age, gender, and the amount of coverage you want to purchase.
Driving Conditions in Bradford
Bradford is known for its long, cold, snowy winters and warm and humid summers. There is heavy lake effect snow thanks to nearby Lake Erie and Lake Ontario. Drivers can expect plenty of snow and ice during the winter months. Spring brings wet conditions with melting snow and the occasional snowstorm.
The roads can be slick due to thunderstorms during the summer. The autumn continues the damp season with falling leaves and wet roads. The snow can return as early as fall. Outfit your car for each season and stay on top of the road conditions using local weather websites such as 511PA.
How Many Fatal Accidents Happen in Bradford?
Every year, there are multiple fatal car accidents in Bradford County. Recently, there has been an increased rate of deadly crashes in and around Bradford due to its rural nature, plus impaired driving, speeding, and limited infrastructure.
Pennsylvania saw 104,475 crashes in 2020, with 1,129 involving fatalities. Thankfully, this is the lowest number since the 1950s.
How Are the Road Infrastructure and Bridges in Bradford?
Bradford’s public works department is responsible for maintaining and improving all roads, bridges, and traffic. This includes tasks such as street repairs and snow removal. This department also maintains the vehicles and equipment needed to carry out these tasks. The public works staff is also responsible for trash collection, recycling programs, maintaining public parks and green spaces, and ensuring the safety and functionality of public buildings.
Minimum Car Insurance Requirements in Bradford
In Pennsylvania, a driver can choose full or limited tort coverage. Limited tort coverage carries a less expensive annual premium but pays less to help you recover damages after an accident.
Pennsylvania is also a no-fault state, meaning that each affected party’s insurance policy pays for that person’s medical expenses and income losses due to a car accident.
The minimum car insurance requirements in Bradford include the following:
- $5,000 in medical benefits
- $15,000 bodily injury coverage for one person, or $30,000 total available for one accident
- $5,000 property damage liability
All drivers must obtain the state-required minimum insurance to register a vehicle
What Are the Penalties for Driving Without Insurance in Bradford, Pennsylvania?
You can expect to pay hefty penalties for driving in Bradford without car insurance. That includes:
- A minimum $300 fine by the state of Pennsylvania
- Three-month registration and driver’s license suspension
- Possible vehicle impoundment
- A fee to reinstate your license and registration, which currently costs $94
The State of Pennsylvania maintains a real-time database that shows lapses in insurance coverage. Remember that even a one-day lapse can result in a fine.
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Factors That Raise or Lower Bradford Car Insurance Rates
Some factors that help determine insurance rates in Bradford include:
- Age
- Gender
- Claims record
- Credit score
- Make and model of vehicle
- Zip code of residence
Talk to a car insurance professional to see how these factors affect your Bradford insurance rates, and what steps you can take to lower your car insurance costs.
Car Insurance That Helps Prepare for the Future
Car insurance aims to protect you financially if something happens to you or your loved ones in a car accident, whether you are driving the car or not. Owning a vehicle is not cheap; you must protect that investment. Even a fender bender can cause you to dip into your savings to cover expenses.
Talking to your Freeway insurance agent about choosing the best coverage for your needs is an excellent way to prepare for your family’s future. Protect your hard-earned money both now and later with cheap car insurance in Bradford.
What are the Best Discounts for Car Insurance in Bradford, PA?
There are multiple ways to save money on your car insurance. First, you can choose a policy with higher deductibles and lower comprehensive, collision, and property damage limits.
Also, ask your insurance agent about the following possible discounts to your policy:
Get an Online Quote for Car Insurance in Bradford Today!
Driving safely and legally in Bradford requires purchasing liability insurance for your car. You can expand your coverage with additional protection with a full coverage policy. You can get a personalized quote for car insurance in Bradford from a Freeway Insurance agent.
Here at Freeway Insurance Insurance, we make it easy for you to request a car insurance quote online. Or if you’d prefer, you can always come into one of our local offices and chat with us. Finally, if you’re too busy for all that, just pick up the phone and call us at 800-777-5620.