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Finding the cheapest car insurance quotes in Arcadia shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Arcadia
The car insurance rate in Arcadia is $834 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Arcadia can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $390 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners
AutoOwners offers auto
insurance rates at $403 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American National P&C
American National P&C offers auto insurance
rates at $542
for six months, making it
the third cheapest auto insurance company in Arcadia.
Arcadia Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Arcadia, PA is AutoOwners Insurance Co, offering policies at just $390 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $403.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1423 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arcadia drivers find the best deals.
Way's key takeaways about car insurance in Arcadia
The auto insurance costs in Arcadia fall around $390 for six
months.
The cheapest auto insurance company in Arcadia is AutoOwners.
Teen drivers pay the highest rate in Arcadia at $664 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Arcadia
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Arcadia are given below.
AutoOwners provides
the cheapest minimum car insurance
coverage in Arcadia. Their Average 6 Month Premium is $82.
Allstate is the most
expensive at $523 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Arcadia is AutoOwners Insurance Co
at $65 per month and $390
for six months.
Cheapest Full Coverage Car Insurance Quotes in Arcadia,
PA
Get Your Car Insurance Quote in Arcadia
Instantly!
Average Car Insurance in Arcadia by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Arcadia, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Arcadia, Pennsylvania, may be increasing due to several external factors.
Pennsylvania has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Arcadia's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Arcadia
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Travelers
$598
30s
Travelers
$413
40s
Travelers
$389
50s
Travelers
$372
60s
Travelers
$372
70s
Travelers
$438
Cheapest Car Insurance Rates for Teen Drivers in
Arcadia,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Arcadia at $27
per
month. At $3904 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Arcadia.
As young drivers face the highest rates in Arcadia, Travelers
offers the cheapest auto insurance rates at $598 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Arcadia,
Westfield is
the cheapest car insurance provider. At $246 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Arcadia is State Farm, offering
rates of around $3381 for six
months.
Save up to $971/yr on car insurance rates in Arcadia.
Car Insurance Rates with An Accident in Arcadia
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Arcadia, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Arcadia
The cheapest car insurance companies after an at-fault accident in
Arcadia include AutoOwners
and Westfield, offering $82
and $220,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1435.
Here is a list of driving violations that can increase your car
insurance rates in Arcadia PA. For example, the car
insurance in Arcadia
after a DUI increases to $1058 for a six
month policy. While the rate increases by $1165 for a six-month policy in the case of
a speeding ticket.
Arcadia auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1165
$194
Cell phone violation
$1360
$231
Failure to wear a seat belt
$1360
$227
Failure to stop at a red light
$1373
$233
Illegal turn
$1373
$229
Improper passing
$1373
$233
Speeding in school zone
$1373
$229
Texting while driving
$1373
$233
Driving with expired registration
$1379
$230
Speeding 16 - 20 MPH over limit
$1379
$234
Wrong way/wrong lane
$1392
$232
Open container
$1473
$250
Reckless driving
$2148
$358
Racing
$2185
$371
DUI
$2223
$370
Driving with a suspended license
$2236
$381
Leaving scene of an accident/hit and run
$2255
$375
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Arcadia after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Arcadia.
The cheapest car insurance premiums in
Arcadia are
offered by American National P&C at $340 for a six-month policy.
However, it can be as
expensive as $2638 with companies
like Nationwide.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Arcadia are offered by Westfield
at $133. However,
it can be as expensive as $1707
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Arcadia after Speeding ticket
Car Insurance Price Trends in Arcadia,
Pennsylvania
Car insurance rates in Arcadia have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Arcadia rose by
$177 in December
compared to $171 of November. In other words, there has been an increase by $6 when you
compare December and November.
The average cost of liability insurance in the Arcadia remained steady at $39 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Arcadia. At $1668 for a
six-month policy, insuring
your car at 15712 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Arcadia?
The car insurance in Arcadia is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Arcadia?
The cheapest car insurance in Arcadia
is $65 per month
for full coverage.
How much is car insurance in Arcadia for teenagers?
Car insurance for teenagers costs $158 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Arcadia?
The average cost of car insurance is $787 for a six-month
policy. It will cost around $140 per month to insure your
car in Arcadia.
Is car insurance expensive in Arcadia?
Car insurance can be expensive in Arcadia if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Arcadia can be
affordable.
What is the best car insurance in Arcadia,
PA?
The best car insurance company in Arcadia
PA is
AutoOwners Insurance Co, offering $390 for a
six-month policy.
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Arcadia Car Insurance
