Cheapest Car Insurance Quotes in Arnold

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Arnold Car Insurance

^$ 24

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Arnold

The car insurance rate in Arnold is $813 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Arnold 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.

Avg. Car Insurance in Arnold

$813

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Arnold

1st place: AutoOwners Insurance Co

At $368 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $511 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $612 for six months, making it the third cheapest auto insurance company in Arnold.

Arnold Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arnold, PA is AutoOwners Insurance Co, offering policies at just $368 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $511.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $974 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arnold drivers find the best deals.

Cheap Car Insurance Companies in Arnold, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$61
American National P&C	$511	$87
Westfield	$612	$102
Travelers	$659	$111
Erie	$802	$135
Nationwide	$933	$157
State Farm	$950	$160
Allstate	$1057	$178
USAA	$1123	$189
Progressive	$1396	$235
Auto-Owners	$380	$65
Encompass	$974	$162

Key Takeaways

Way's key takeaways about car insurance in Arnold

The auto insurance costs in Arnold fall around $368 for six months.
The cheapest auto insurance company in Arnold is Westfield.
Teen drivers pay the highest rate in Arnold at $727 per month.

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Cheapest Minimum Liability Car Insurance in Arnold

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 Arnold are given below.

Westfield provides the cheapest minimum car insurance coverage in Arnold. Their Average 6 Month Premium is $143. AutoOwners is the most expensive at $77 for the same period.

Cheapest Liability Coverage in Arnold, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
Auto-Owners Insurance Co	$149	$25
Erie	$190	$32
American National P&C	$196	$33
Chubb	$208	$35
Travelers	$220	$37
USAA	$261	$44
State Farm	$273	$46
Nationwide	$350	$59
Progressive	$398	$67
Allstate	$535	$90
Auto-Owners	$77	$13

Cheapest Full Coverage Car Insurance in Arnold

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 Arnold is AutoOwners Insurance Co at $61 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arnold, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$61
American National P&C	$511	$87
Westfield	$612	$102
Travelers	$659	$111
Erie	$802	$135
Nationwide	$933	$157
State Farm	$950	$160
Allstate	$1057	$178
USAA	$1123	$189
Progressive	$1396	$235
Auto-Owners	$380	$65
Encompass	$974	$162

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Average Car Insurance in Arnold 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 Arnold, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Arnold, 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, Arnold's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Arnold

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

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Cheapest Car Insurance Rates for Teen Drivers in Arnold,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Arnold at $25 per month. At $4360 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Auto-Owners Insurance Co	$172	$29
American National P&C	$226	$38
Chubb	$249	$42
Erie	$1022	$172
Travelers	$1176	$198
State Farm	$1693	$285
USAA	$1978	$336
Allstate	$2578	$430
Progressive	$2584	$439
Nationwide	$4360	$727

Teen Car Insurance Rates in PA by Age

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 Arnold, Westfield is the cheapest car insurance provider. At $232 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 Arnold is State Farm, offering rates of around $4740 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$232	$39
Auto-Owners Insurance Co	$238	$40
Chubb	$279	$47
American National P&C	$315	$54
USAA	$1016	$169
Nationwide	$1057	$178
Erie	$1853	$309
Allstate	$2233	$380
Travelers	$2435	$406
Progressive	$2721	$463
State Farm	$4740	$790

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Car Insurance Rates with An Accident in Arnold

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 Arnold, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Arnold

The cheapest car insurance companies after an at-fault accident in Arnold include Westfield and AutoOwners Insurance Co, offering $208 and $238, respectively. Donegal is an expensive provider with an average six-month premium of $232.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$208	$35
Auto-Owners Insurance Co	$238	$40
Chubb	$279	$47
American National P&C	$285	$48
Erie	$475	$80
State Farm	$552	$93
Travelers	$659	$111
USAA	$855	$144
Nationwide	$1313	$223
Allstate	$1354	$226
Progressive	$1604	$273
Auto-Owners	$77	$13
Donegal	$232	$39

Arnold Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arnold PA. For example, the car insurance in Arnold after a DUI increases to $998 for a six month policy. While the rate increases by $1099 for a six-month policy in the case of a speeding ticket.

Arnold auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1099	$183
Cell phone violation	$1283	$218
Failure to wear a seat belt	$1283	$214
Failure to stop at a red light	$1295	$220
Illegal turn	$1295	$216
Improper passing	$1295	$220
Speeding in school zone	$1295	$216
Texting while driving	$1295	$220
Driving with expired registration	$1301	$217
Speeding 16 - 20 MPH over limit	$1301	$221
Wrong way/wrong lane	$1313	$219
Open container	$1390	$236
Reckless driving	$2026	$338
Racing	$2061	$350
DUI	$2097	$349
Driving with a suspended license	$2109	$359
Leaving scene of an accident/hit and run	$2127	$354

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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 Arnold 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 Arnold.

The cheapest car insurance premiums in Arnold are offered by American National P&C at $321 for a six-month policy. However, it can be as expensive as $2762 with companies like Nationwide.

Arnold car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$321	$53
Travelers	$689	$116
Erie	$861	$145
Allstate	$956	$161
Progressive	$1045	$176
State Farm	$1218	$205
USAA	$1224	$206
Nationwide	$2762	$465

Cheapest car insurance after a speeding ticket

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 Arnold are offered by Westfield at $125. However, it can be as expensive as $1925 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Arnold after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$125	$21
Auto-Owners Insurance Co	$160	$27
Erie	$552	$93
State Farm	$707	$119
Travelers	$766	$129
USAA	$1135	$189
Allstate	$1354	$230
Progressive	$1628	$271
Nationwide	$1925	$327

Car Insurance Price Trends in Arnold, Pennsylvania

Car insurance rates in Arnold have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Arnold rose by $183 in January compared to $169 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Arnold rose to $45 in January, compared to $38 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Arnold?

The car insurance in Arnold is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Arnold?

The cheapest car insurance in Arnold is $61 per month for full coverage.

How much is car insurance in Arnold for teenagers?

Car insurance for teenagers costs $149 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 Arnold?

The average cost of car insurance is $813 for a six-month policy. It will cost around $136 per month to insure your car in Arnold.

Is car insurance expensive in Arnold?

Car insurance can be expensive in Arnold if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Arnold can be affordable.

Cheapest Car Insurance Quotes in Arnold

Why you can trust Way?

How Much Is Car Insurance in Arnold

Avg. Car Insurance in Arnold

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Arnold

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Arnold Car Insurance Rates by Company

Cheap Car Insurance Companies in Arnold, PA

Way's key takeaways about car insurance in Arnold

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Arnold

Cheapest Liability Coverage in Arnold, PA

Cheapest Full Coverage Car Insurance in Arnold

Cheapest Full Coverage Car Insurance Quotes in Arnold, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Arnold by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Arnold, PA increasing?

Car Insurance Premiums by Age in Arnold

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Arnold,PA

If you are in your twenties N/A is the best choice for car insurance in Arnold.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Arnold

Cheapest Car Insurance Companies after an At-Fault Accident in Arnold

Arnold Car Insurance Rates by Violation

Arnold auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Arnold after a DUI

Arnold car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Arnold after Speeding ticket

Car Insurance Price Trends in Arnold, Pennsylvania

Average Car Insurance Cost in Arnold by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Arnold, PA

Car Insurance Rates by State in the USA (2025 Update)

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