Bedford, IN Auto Insurance (Rates + Top Companies)

Bedford, IN auto insurance laws will determine the minimum insurance coverage you need. The average Bedford auto insurance rates are $269 per month, and the cheapest Bedford auto insurance companies are USAA and GEICO. You can find cheap rates when you compare these companies online. Enter your ZIP code below to start comparing Bedford insurance quotes.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 12, 2020

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Bedford, Indiana Key Statistics
Bedford, IN StatisticsDetailsSource
City Density1,117 people per square
Average Cost of Car Insurance$3,228.43Quadrant Information Services
Cheapest Car Insurance ProviderUSAAQuadrant Information Services
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Bedford, Indiana auto insurance doesn’t have to be confusing. Time is valuable, and spending your time looking for cheap auto insurance in Indiana can take hours. We want to save you this hassle. This article will discuss some of the most important questions you might have concerning auto insurance in Bedford, Indiana.

How much does auto insurance cost in Bedford? What are the driving conditions and traffic like in Bedford? Are there any unique laws in Bedford that I should be aware of? What Indiana auto insurance laws apply to me?

Keep reading to find out the answers to these questions and so much more. If you’re looking to buy cheap auto insurance online, enter your ZIP code to start comparison shopping Bedford rates today.

Auto Insurance Rates in Bedford

Most people don’t realize that when it comes to the cost of auto insurance, there are many factors that insurance providers look into when providing you with a quote. Age, gender, ZIP code, and commute time are just a few of the factors insurance providers want to know.

Trying to look into each of these factors and researching which company has the cheapest rates can take up so much of your valuable time. That’s why we’ve done the hard work for you. We’ve compiled mounds of data and answers to your most important questions. First, let’s look at how gender and age can affect your rates in Bedford.

Auto Insurance Rates in Bedford by Age and Gender

You may already know that teenage drivers pay more for auto insurance than older drivers. What you may not know is the rate difference between a 35-year-old and a 60-year-old.

In Bedford, the median age for residents was 41. What does that mean for the cost of auto insurance? The table below shows the average cost of auto insurance for each age group, including the cheapest auto insurance companies for teen drivers.

Bedford, IN Average Annual Auto Insurance Rates by Age Group
Driver AgeAverage Annual Auto Insurance Rates
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As you can see, age definitely affects your rate for auto insurance. Sixty-year-olds receive the cheapest rates compared to the other age groups. Since the majority of citizens in Bedford are 41 years old, most citizens are paying the second-best rate for auto insurance based on age. Now let’s take a look at how gender affects auto insurance.

Some states have outlawed auto insurance rate differences based on gender, but as of right now, Indiana is not one of them. On average, men are paying $3,329.51 and women are paying $3,063.43 annually for their auto insurance. That’s a $266 difference.

Let’s take a closer look at what single and married men and women of multiple ages are paying for their auto insurance. We’ve gathered our Quadrant data to show the differences between rates based on age and gender in Bedford.

Bedford IN, Average Annual Auto Insurance Rates by Age and Gender
Driver Age and GenderAverage Annual Auto Insurance Rates
Married 60-year-old female$1,722.86
Married 60-year-old male$1,777.16
Married 35-year-old male$1,914.03
Married 35-year-old female$1,914.82
Single 25-year-old female$2,122.86
Single 25-year-old male$2,415.41
Single 17-year-old female$6,493.19
Single 17-year-old male$8,275.72
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The rate difference between male and female drivers is the greatest between the ages 17-25. The difference between a single, 17-year-old male and a single, 17-year-old female is $1,782.53. Male and female drivers between the ages of 35 and 60 pay nearly the same rate.

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Auto Insurance Rates in Bedford by Income

It’s important to know what percentage of your income is going toward your premium. The median household income in Bedford in 2017 was $40,076, which is 8.65 percent greater than the median income in 2016. While median household income is on the rise in Bedford, this median still falls below the national median income of $61,937.

Since the average Bedford citizen is paying $3,228.43 on their premium and the median household income is $40,076, this means that 8.06 percent of your income is going toward your auto insurance.

Indiana as a state has a median household income of $52,182 and the national median income is $57,562. So, Bedford citizens are earning approximately $10,000-$15,000 less than the state and national median.

Let’s take an in-depth look at each ethnicity, wage, and common job and see what percent of income auto insurance is for each.

Bedford, IN Auto Insurance Rats as Percent of Income
EthnicityMiscellaneous ManagersPercent of Income Registered NursesPercent of IncomeDriver/Sales Workers & Truck DriversPercent of Income Secretaries & Administrative Assistants Percent of Income Laborers & Freight, Stock, and Material MoversPercent of Income
Black $65,9634.89%$53,6566.02%$39,5388.17%$32,7429.86%$28,87011.18%
Two or more races$62,6925.15%$51,2426.30%$41,0297.87%$19,74616.35%$29,23811.04%
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Those who earned more than $31,000 are paying anywhere between 3 and 9 percent of their income on auto insurance. Those who earn less than $31,000 are paying in the double digits of their percent of income. This is why it is so important to compare rates before choosing an insurance provider.

As stated above, age and gender influences auto insurance rates. Age and gender also influence your income, and that can affect how much you pay for car insurance in Bedford. In Indiana, the average male salary was $59,508 and the average female salary was $42,677 in 2017. The chart below reflects the difference between male and female salary across the five most common jobs in Indiana for full-time employees:

Bedford, IN Wage by Gender
Occupation Male Salary Female Salary
Miscellaneous Manager$95,941$67,060
Registered Nurse$70,209$57,640
Driver/Sales Worker & Truck Drivers$47,256$36,252
Secretary & Administrative Assistant$46,845$35,114
Laborers & Freight, Stock, and Material Mover$35,963$27,896
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As you can see, full-time men earn 1.39 times more than full-time women in Indiana. While there has been an improvement in creating equal pay for women, the improvement has been slow and its impact has a ripple effect, even down to auto insurance rates that can be affected by lower income.

According to Data USA, 17.9 percent of the population is living below the poverty line in Bedford. This is a high percentage compared to the national average of 13.1 percent. The largest demographic living in poverty are females between the ages of 25 and 34. The second-largest demographic living in poverty are females age 35-44, followed by males age 6-11.

So, what does this mean for auto insurance? Unfortunately, auto insurance tends to be higher for those who earn less, as insurance providers consider lower income to bring more risks. This does not necessarily mean those who are living in poverty will experience higher rates, but it can happen.

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Auto Insurance Rates in Bedford by Homeownership

Generally, homeowners spend less on their auto insurance than non-homeowners. This is because insurance providers view homeownership as a sign of stable income. Let’s take a look and see what homeownership is like in Bedford.

Bedford, IN Homeownership Statistics
RegionHomeownership as a Percent of Population
Bedford, Indiana64.9%
United States63.8%
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Bedford’s homeownership percentage is slightly higher than the national percentage. Even though the homeownership percentage is on par with the state of Indiana and the nation as a whole, the median property value is significantly lower than the state and national median property value. Take a look.

Bedford, IN Median Property Value
RegionMedian Property Value
Bedford, Indiana$87,600
Indiana $124,200
United States$184,700
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Just because you do not own a home does not mean that you will pay more on your premium, but there is a good chance that you will. It is always a good idea to shop around for quotes to make sure you are getting the best policy for your money.

Auto Insurance Rates in Bedford by Education

Bedford is a typical Midwest city with a variety of education options. There are public and private schools offering elementary, intermediate, middle, and high school. There are 11 different elementary schools, four different middle schools, and three different options for high school.

While there are no universities in Bedford, there is North Lawrence A/V Tech Center School dedicated to vocational training. Additionally, there are seven higher education schools within 60 miles of Bedford that we’ve listed below:

  • Indiana University-Bloomington (about 22 miles; Bloomington, IN; Full-time enrollment: 39,039)
  • Indiana University-Southeast (about 52 miles; New Albany, IN; FT enrollment: 5,050)
  • Vincennes University (about 57 miles; Vincennes, IN; FT enrollment: 9,876)
  • DePauw University (about 58 miles; Greencastle, IN; FT enrollment: 2,360)
  • Jefferson Community and Technical College (about 59 miles; Louisville, KY; FT enrollment: 7,950)
  • University of Louisville (about 60 miles; Louisville, KY; FT enrollment: 16,640)
  • The Southern Baptist Theological Seminary (about 61 miles; Louisville, KY; FT enrollment: 2,360)

Since individuals who have a higher education end up paying less on their auto insurance, Bedford citizens have a variety of colleges and universities to choose from in order to receive competitive rates from insurance providers.

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Cheap Auto Insurance Companies in Bedford

There are dozens of auto insurance companies to choose from. How are you supposed to know which one is best when they all boast about having the best cheap auto insurance rates? Well, we’ve got the data to compare and show you how each company actually ranks based on commute time, coverage level, credit history, and driving record so you can find cheap full coverage auto insurance.

The question we all want answered is which provider is the cheapest. Here is a list of the cheapest rates by company in Bedford.

Bedford, IN Average Annual Auto Insurance Rates by Company
CompaniesMarried 35-Year-Old Female Average Annual Auto Insurance RatesMarried 35-Year-Old Male Average Annual Auto Insurance RatesMarried 60-Year-Old Female Average Annual Auto Insurance RatesMarried 60-Year-Old Male Average Annual Auto Insurance RatesSingle 17-Year-Old Female Average Annual Auto Insurance RatesSingle 17-Year-Old Male Average Annual Auto Insurance RatesSingle 25-Year-Old Female Average Annual Auto Insurance RatesSingle 25-Year-Old Male Average Annual Auto Insurance RatesAverage Annual Auto Insurance Rates by Age and Gender
State Farm$1,606.44$1,606.44$1,423.38$1,423.38$4,760.81$6,114.19$1,773.21$1,971.42$2,584.91
American Family$2,177.25$2,177.25$1,957.99$1,957.99$6,006.62$8,693.10$2,177.25$2,675.38$3,477.85
Liberty Mutual$4,047.85$4,047.85$3,717.79$3,717.79$8,901.29$13,456.90$4,047.85$5,561.92$5,937.41
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As you can see, USAA has the cheapest rates; however, not everyone has access to USAA as they only serve military members and their families. The company ranked second for the cheapest rates in Bedford is Geico. On average, Liberty Mutual has the highest rates for Bedford citizens.

Best Auto Insurance Rates for Military and Veterans in Bedford

If you are currently serving in the military or are a veteran, you may be eligible for military auto insurance discounts. You may also be able to get coverage with companies that specialize in military auto insurance. But, how are you supposed to find the time to research insurance providers and compare quotes? The good news is you don’t have to. We did the research for you. Let’s take a look at how many veterans are living in Bedford according to Data USA.

Bedford, IN Veteran Population
World War II171
Gulf War (1990s)434
Gulf War (2000s) 728
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Those who served in Vietnam hold the highest percentage of veterans in Bedford. The Grissom Air Reserve Base is the closest military base to Bedford. Listed below are the insurance providers that offer discounts and if they must be in active duty and/or reserve.

Auto Insurance Military Discounts Available in Bedford, IN
Farmers Active
GeicoActive or Retired
Liberty MutualActive
SafecoActive or Retired
USAAActive or Retired
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The average premium in Bedford is $3.414.97. The table below shows how much you can save with USAA compared to its competitors and the state average.

Bedford, IN Average Military Auto Insurance Discount by Company
CompaniesAverage Annual Auto Insurance RatesCompared to State Average (+/-)
State Farm$2,408.94-$1,006.03
American Family$3,679.68$264.71
Liberty Mutual$5,781.35$2,366.38
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USAA provides the greatest savings to its customers, saving them $1,784.11 a year on auto insurance. If you, your spouse, or your parents are in active duty or retired, you are eligible to purchase auto insurance through USAA.

Best Auto Insurance Rates By Commute in Bedford

On average, Indiana residents drive 17,821 miles annually.

Long commutes affects auto insurance rates, so your insurance company will ask you how far you drive each day. The national average commute time is approximately 25 minutes, while the average commute time for the citizens of Bedford is approximately 18 minutes, according to DataUSA. What does this mean for auto insurance rates in Bedford? Let’s take a look at the table below and compare rates for a 10-mile commute versus a 25-mile commute.

Bedford, IN Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Auto Insurance Rate for 10 Miles Commute,
6000 Annual Mileaged
Auto Insurance Rate for 25 Miles Commute,
12000 Annual Mileage
Average Annual Auto Insurance Rates by Commute
State Farm$2,511.05$2,658.76$2,584.91
American Family$3,435.77$3,519.93$3,477.85
Liberty Mutual$5,778.68$6,096.13$5,937.41
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Liberty Mutual and State Farm are the only companies that show an increase of more than $100 to your annual rate for a 25-mile commute. Allstate, Farmers, Nationwide, Progressive, and Travelers do not increase your rates due to a longer commute.

There are some workers in Bedford that have a “super commute” of 90 minutes or more. Beware that your insurance provider may increase your rates due to an above-average commute.

Best Auto Insurance Rates By Coverage in Bedford

In some cases, a person may purchase higher coverage than the minimum car insurance requirement in Indiana. You might think that more coverage means higher rates, but that’s not always true. In some cases, your rate will decrease. Consider the rates in the table below compiled from our Quadrant data.

Bedford, IN Average Annual Auto Insurance Rates by Coverage Level
CompaniesHigh Auto Insurance CoverageMedium Auto Insurance CoverageLow Auto Insurance CoverageAverage Auto Insurance Rates by Coverage
State Farm$2,700.64$2,584.13$2,469.94$2,584.90
American Family$3,401.50$3,592.74$3,439.31$3,477.85
Liberty Mutual$6,120.70$5,923.76$5,767.75$5,937.40
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In most cases, rates increase when purchasing medium coverage from low coverage. Nationwide is the only provider that decreases rates going from low coverage to medium coverage.

American Family, Nationwide, and Travelers all show a decrease in rate when going from medium coverage to high coverage. American Family and Nationwide are the only providers that show lower rates for high coverage than for low coverage.

Best Auto Insurance Rates By Credit History in Bedford

Auto insurance companies use your credit score to gauge how likely you are to file a claim. To an insurer, drivers with poor credit history are more likely to file a claim than a driver with a strong credit history. If you have a strong credit score, you will probably be able to find cheaper Indiana insurance rates.

Take a look at the auto insurance rates you can get with your credit score with this data from Quadrant.

Bedford, IN Average Annual Auto Insurance Rates Based on Credit History
CompaniesAverage Annual Auto Insurance Rates with Good Credit HistoryAverage Annual Auto Insurance Rates with Fair Credit HistoryAverage Annual Auto Insurance Rates with Poor Credit HistoryAverage Annual Auto Insurance Rates by Credit History
State Farm$1,740.84$2,246.29$3,767.59$2,584.91
American Family$2,586.35$3,088.52$4,758.68$3,477.85
Liberty Mutual$4,759.09$5,146.21$7,906.91$5,937.40
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On average, a person with poor credit will pay between $700-$3,100 more on their annual rate. USAA shows the most grace when it comes to increasing rates based on credit history with only a $511 increase. Liberty Mutal takes the cake with the highest increase of $3,100 on annual rates.

Best Auto Insurance Rates By Driving Record in Bedford

The police lights are flashing behind your car and you know you were speeding and there is only one thing on your mind. How much will my rates go up because of a speeding ticket?

Most of us know that getting a ticket, getting into an accident, and having a DUI on your record can increase your auto insurance rates. What you may not know is which companies will increase your rate the most or the least. This table shows how much companies will charge you for your premium due to accidents, speeding tickets, and DUIs.

Bedford, IN Average Annual Auto Insurance Rates Based on Driving History
CompaniesAverage Annual Auto Insurance Rates With Clean Driver RecordAverage Annual Auto Insurance Rates With 1 AccidentAverage Annual Auto Insurance Rates With 1 DUIAverage Annual Auto Insurance Rates With 1 Speeding ViolationAverage Annual Auto Insurance Rates Based on Driver History
State Farm$2,526.03$2,761.54$2,526.03$2,526.03$2,604.53
American Family$2,395.95$3,826.08$4,835.07$2,854.31$3,685.70
Liberty Mutual$4,653.01$5,469.92$8,507.53$5,119.15$6,210.15
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Surprisingly, State Farm is the only provider that does not increase your rate due to a speeding ticket or conviction of DUI. Progressive is the only provider where a speeding ticket or accident will cause your rate to increase the most for a DUI. On average, a driver with Liberty Mutual will pay the highest rates based on their driving record

Driving in Bedford, Indiana

Now that we’ve taken a look at the cost of auto insurance, compared company rates considering multiple pieces of data, and looked at many factors that affect premiums in Bedford, let’s consider the driving conditions in the city.

It can take hours to research road conditions, vehicle theft statistics, where speed traps are, and weather conditions in the city of Bedford. Lucky for you, we’ve done the research and put it all in one convenient place for you.

Have you ever wondered if Bedford has installed speeding cameras? What about major highways and road trip sites?  We’ve answered those questions for you and even researched the road conditions in Bedford. Keep reading to get your questions answered and so many more.

Major Highways in Bedford

There are 14 active routes in Indiana that comprise 1,306.52 miles of highway.

  • I-64
  • I-65
  • I-69
  • I-70
  • I-80
  • I-90
  • I-94
  • I-164
  • I-469
  • I-265
  • I-465
  • I-865
  • I-275

Bedford itself does not have any of the major highways running through it. However, it does have state routes and U.S. routes. U.S. Route 50 runs directly through Bedford, stretching from San Francisco, California, all the way to Ocean City, Maryland.

There is only one toll road in Indiana and it does not run through Bedford.

Road Conditions in Bedford

The road conditions in Bedford are typical for a Midwest city. Because Bedford goes through large climate shifts from winter to summer, the roads are constantly expanding and contracting. You will often see construction crews out on the roads making repairs throughout the year. You can check current road conditions here.

Running Red Lights in Bedford

There are currently 23 states that have installed red-light cameras and/or speeding cameras in major cities, but Indiana is not one of them. However, both states to the east and west of Indiana (Ohio and Illinois) have red-light and speeding cameras installed.

Even without a red-light camera in Bedford, running a red light can increase your insurance rates. But there are many red-light programs that offer drivers a half-second grace period.

Most Popular Vehicles in Bedford

The most popular vehicle owned in the state of Indiana in 2016 was the Chevrolet Silverado 1500. This truck has good gas mileage, is affordably priced, and can tow up to 6,800 pounds. There are more miles of rural roads in Indiana than urban roads. Most people in Indiana will need a good, reliable truck to get around in.

Due to the Indy 500, you will see a lot of unique vehicles as well. The car culture in Indiana is diverse and appreciated by those who live there. You may see a good mix of vehicles when in Bedford.

From 2013-2017, Data USA reports that the majority of households in Bedford own two vehicles, followed by three. The table below shows the percentage of people that own zero to five or more cars.

Bedford, IN Car Ownership by Household
Number of Vehicles OwnedPercentage of Households
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While most households are insuring between one and three vehicles, there are 253 households that don’t own a vehicle.

Speed Traps in Bedford

Getting caught at a speed trap can certainly put a damper on your commute or road trip. You’ll be happy to know that Bedford is not listed in the state’s top 10 worst speed traps. However, there are specific areas that police officers closely monitor due to significant changes in the speed limit. reports that there is a hill near the Bedford Veterinary Center and the speed limit changes from 45 mph to 30 mph. Because of the steep hill and decrease in the speed limit, that makes this zone a speed trap. Drivers who are not paying attention may get pulled over and issued a citation.

Always be aware of the posted speed limit and beware of other possible speed traps for your own safety and to ensure that your rates won’t go up because of a speeding violation.

Vehicle Theft Rates in Bedford

In 2017, the FBI reports that there were 27 vehicle thefts in the city of Bedford, which is a little higher than average compared to other cities similar to the size of Bedford in Indiana. The video below details an auto theft case in Bedford.

Neighborhood Scout’s data shows that Bedford’s crime index is 24 (100 is the safest). This means that Bedford is safer than 24 percent of other U.S. cities. Crawford is reported to be the safest neighborhood in the city, followed by Shawswick/Coveyville. The neighborhood ranked as the least safe in Bedford was City Center.

So, how safe is Bedford? The violent crime rate is 1.43 per 1,000 residents. This is significantly lower than the state violent crime rate, which is 3.82 per 1,000 residents. This means that your chances of becoming a victim of violent crime are one in 699 in the city of Bedford. 

The property crime rate in Bedford is significantly higher than the violent crime rate. The property crime rate is 21.53 per 1,000 residents, which is nearly the same as the state property crime rate of 21.79 per 1,000 residents. Your chances of becoming a victim of property crime in Bedford are one in 46. The table below reflects the total incidents and rates.

Property Crime in Bedford, IN
Type of CrimeTotalsRates per 1,000 Population
Motor Vehicle Theft201.51
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There are 25 crimes in Bedford per square mile, which is just under the number for the state of Indiana of 27 crimes per square mile. The national median is 31.1 crimes per square mile.

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Traffic and Auto Accidents in Bedford

Traffic conditions and safety on the roads are always on a driver’s mind, but what may not always be on your mind are quality repair shops, ridesharing opportunities, and what the best drivers report says about Bedford. These things are on our mind and we want you to have all the information.

Traffic congestion can cost drivers a lot of money depending on how many hours they spend sitting in traffic each year. The major contributors to traffic congestion in Bedford will be road conditions such as construction, accidents, and inclement weather. The average commute time in Bedford is approximately 23 minutes, which is two minutes less than the national average.

Fatal Auto Accidents in Bedford

We’ve been able to see that traffic is fairly light in Bedford and that most people are driving alone in their cars. Now let’s take look and see how safe the roads are in Bedford. The data we will discuss encompasses all of Lawrence County provided by the National Highway Traffic and Safety Administration (NHTSA).

Below are the total number of Lawrence County fatalities in crashes from 2014-2018.

  • 2014: 8
  • 2015: 3
  • 2016: 6
  • 2017: 13
  • 2018: 6

The next table displays the total number of fatalities based on the type of collision from 2014-2018.

Bedford, IN Fatalities by Auto Crash Type
Crash TypeTotal Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Total Fatalities 2018
Alcohol-Impaired Driving (BAC=.08+) 10221
Single Vehicle Crash 52462
Large Truck Involved Crash 10121
Speeding Involved Crash 21012
Rollover Involved Crash 30010
Roadway Departure Involved Crash 43564
Intersection (or Intersection Related) Crash 30142
Passenger Car Occupant 31243
Light Truck Occupant 41442
Pedestrian 10031
Bicyclist (or Other Cyclist) 00000
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The type of crash that resulted in the most fatal crashes in Lawrence County was roadway departure, followed by single-vehicle crashes. There have been no fatal bicyclist crashes in Lawrence County since 2014. The crash type that has the least number of fatalities is motorcycle crashes.

According to the Fatality Analysis Reporting System (FARS), Indiana’s traffic fatality decreased by 6 percent. In 2017 there were 916 fatal crashes and in 2018 there were 858 fatal crashes. Below is a table that shows the total number of fatal crashes for each highway type.

Indiana Fatal Crashes by Road Type
Indiana Road TypeFatal Crashes
Freeway and Expressway 10
Minor Arterial171
Collector Arterial 192
Local 105
Total Fatal Crashes774
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Arterial roads are main roads used in a city or state, such as busy freeways and interstates. Other roads either collect traffic into arterial roads or are considered minor roads. As you can see, the roads classified as Other have the highest amount of fatal crashes, followed by the Collector Arterial. Meanwhile, the roads with the least amount of fatal crashes are Unknown road type, followed by Freeway and Expressway.

While roadway accidents are more common, we do want to shed light on fatal accidents involving railroad crossings. Between 2012-2018, there were 43 fatalities at railroad crossings in Indiana, according to

Busiest Highways in Bedford

From what we’ve already researched about Bedford having the highway nicknamed “The Loneliest Road in America,” you can guess that Bedford will not be included in busy highway traffic reports, like this one from the Federal Highway Administration (FWHA).

However, a 45-minute drive west will take you to I-65 which is one of the nation’s busiest highways. I-65 runs right north and south through the entire state. Accidents happen daily along I-65 and can be a dangerous highway to traverse.

Ridesharing in Bedford

Ridesharing is becoming increasingly popular across America and it’s no different in Bedford. Uber, Lyft, and taxi and limo services are available in Bedford. These companies can also provide transportation to the nearest airport, which is Monroe County Airport.

According to RideGuru, it can cost between $31-$112 to go 26 miles from the city of Bedford to the Monroe County Airport. Uber charges $31 for four people to ride in a sedan, while Lyft charges $55 for the same service.

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Unique Car Laws in Bedford

We agree that when it comes to unique laws in your city and state, it’s imperative to be up-to-date on the latest rules of the road. Part of having good auto insurance rates is keeping a clean driving record and you can’t do that if you are unaware of what you could get ticketed for. Keep reading to learn more about the unique laws in this city and state.

Indiana drivers can no longer pick up their phones while driving. This proposal is to expand on the law that’s already in effect, which states that a driver cannot text and drive. Police officers say that text messaging does not include all the ways drivers can be distracted by their phones while operating a vehicle and that enforcing hands-free driving will be more sufficient. The video below is a news report on the new bill.

Food trucks are permitted in Bedford and must obtain a valid Lawrence County Food Permit which costs $60, or a Temporary Permit, which costs $10 for one day.

Tiny homes are becoming more popular and you will see a few in Bedford. The laws at this point require that each tiny home be at least 720 square feet, and if it is on wheels, it must be at least 360 square feet and dwell in a mobile home park.

Parking laws in Bedford follow typical city parking laws. The Chief of Police has placed signs throughout the city indicating the restrictions on parking so you never have to guess or remember parking laws. Some areas have time restrictions, while other areas are restricted completely, like a one-way street.

Always obey and stay up-to-date on all laws pertaining to the city and state. This is one way you can ensure that you will receive low rates on your auto insurance.

Frequently Asked Questions: Bedford, Indiana Auto Insurance

We’ve covered a lot of information so far, but here are a few things people are asking about Bedford.

What are the minimum requirements for Indiana auto insurance?

In order to be compliant with Indiana state law, motorists must carry auto insurance with the following minimums:

  • Bodily Injury — $25,000 per person/$50,000 per accident
  • Property Damage — $25,000

The penalty for driving without auto insurance is a suspension of your driver’s license.

Do I need to purchase uninsured motorist coverage?

Indiana does require that each insurance provider include Uninsured Motorist coverage into your policy. You can opt to forgo this coverage, but you must do it in writing and each insurance provider will strongly encourage you to purchase this coverage.

While Indiana requires that each driver carry valid auto insurance, not every driver does. This can protect you in the event you get into an accident with someone who is not properly insured.

What happens if I get turned down by an insurance company?

You can apply for the Indiana Auto Insurance Plan through any insurance company in the state. The companies that participate in this program take their share of drivers who have difficulty purchasing auto insurance.

Is Indiana an at-fault state?

Yes, Indiana is an at-fault state, which means the injured person(s) rely on the insurance provider of the driver who caused the accident to pay for bodily injuries and property damages. In some cases, the injured person will turn to their own insurance provider in the event the driver responsible for the damages does not have coverage.

What do I do if I get into an accident in Bedford?

The first thing to do after getting into an accident is to make sure that no one is seriously injured or in an unsafe position. If there are no serious injuries, it is required by Indiana State Law that you exchange driver’s license and auto insurance information with the other drivers involved.

Now that we’ve covered what it’s like to work, drive, and live in Bedford, it’s time for you to find the best deal on auto insurance in Bedford. Did we miss anything in this guide? What information was the most helpful to you? You can start comparing cheap insurance quotes by entering your ZIP code below.

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