Cheapest Car Insurance Quotes in Bala Cynwyd

Finding the cheapest car insurance quotes in Bala Cynwyd 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Bala Cynwyd Car Insurance

^$ 18

/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 Bala Cynwyd

The car insurance rate in Bala Cynwyd is $1094 for a six-month policy, which is $307 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $512, making it a popular choice for budget-conscious drivers. Rates in Bala Cynwyd 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 Bala Cynwyd

$1094

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Bala Cynwyd

1st place: AutoOwners Insurance Co

At $512 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 $528 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 $710 for six months, making it the third cheapest auto insurance company in Bala Cynwyd.

Bala Cynwyd Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bala Cynwyd, PA is AutoOwners Insurance Co, offering policies at just $512 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $528.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1865 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bala Cynwyd drivers find the best deals.

Cheap Car Insurance Companies in Bala Cynwyd, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$512	$85
Auto-Owners	$528	$90
American National P&C	$710	$118
Travelers	$767	$129
Westfield	$851	$142
Erie	$1115	$188
State Farm	$1165	$196
Nationwide	$1197	$202
Encompass	$1354	$225
Allstate	$1469	$247
USAA	$1601	$270
Progressive	$1865	$314

Key Takeaways

Way's key takeaways about car insurance in Bala Cynwyd

The auto insurance costs in Bala Cynwyd fall around $512 for six months.
The cheapest auto insurance company in Bala Cynwyd is AutoOwners.
Teen drivers pay the highest rate in Bala Cynwyd at $870 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 Bala Cynwyd

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 Bala Cynwyd are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Bala Cynwyd. Their Average 6 Month Premium is $107. Allstate is the most expensive at $685 for the same period.

Cheapest Liability Coverage in Bala Cynwyd, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$107	$18
Westfield	$199	$33
Auto-Owners Insurance Co	$207	$35
Travelers	$247	$42
Erie	$264	$44
American National P&C	$272	$46
Chubb	$289	$49
State Farm	$346	$58
USAA	$346	$58
Progressive	$371	$63
Nationwide	$430	$71
Allstate	$685	$117

Cheapest Full Coverage Car Insurance in Bala Cynwyd

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 Bala Cynwyd is AutoOwners Insurance Co at $85 per month and $512 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bala Cynwyd, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$512	$85
Auto-Owners	$528	$90
American National P&C	$710	$118
Travelers	$767	$129
Westfield	$851	$142
Erie	$1115	$188
State Farm	$1165	$196
Nationwide	$1197	$202
Encompass	$1354	$225
Allstate	$1469	$247
USAA	$1601	$270
Progressive	$1865	$314

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Bala Cynwyd Instantly!

Average Car Insurance in Bala Cynwyd 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 Bala Cynwyd, PA increasing?

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

Car Insurance Premiums by Age in Bala Cynwyd

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	$784
30s	Travelers	$542
40s	Travelers	$510
50s	Travelers	$488
60s	Travelers	$488
70s	Travelers	$574

Cheapest Car Insurance Rates for Teen Drivers in Bala Cynwyd,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Bala Cynwyd at $35 per month. At $5119 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$207	$35
Auto-Owners Insurance Co	$239	$40
American National P&C	$314	$53
Chubb	$346	$58
Travelers	$991	$167
Erie	$1213	$204
State Farm	$1660	$279
USAA	$2180	$363
Allstate	$3649	$620
Progressive	$5053	$842
Nationwide	$5119	$870

Teen Car Insurance Rates in PA by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Bala Cynwyd.

As young drivers face the highest rates in Bala Cynwyd, Travelers offers the cheapest auto insurance rates at $784 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 Bala Cynwyd, Westfield is the cheapest car insurance provider. At $322 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 Bala Cynwyd is State Farm, offering rates of around $4434 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$322	$54
Auto-Owners Insurance Co	$331	$56
Chubb	$388	$65
American National P&C	$438	$75
USAA	$1255	$208
Nationwide	$1272	$214
Erie	$2022	$338
Travelers	$2295	$391
Allstate	$3089	$514
Progressive	$3401	$578
State Farm	$4434	$739

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Bala Cynwyd.

Car Insurance Rates with An Accident in Bala Cynwyd

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bala Cynwyd

The cheapest car insurance companies after an at-fault accident in Bala Cynwyd include AutoOwners and Westfield, offering $107 and $289, respectively. Allstate is an expensive provider with an average six-month premium of $1882.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$107	$18
Westfield	$289	$49
Donegal	$322	$54
Auto-Owners Insurance Co	$331	$56
Chubb	$388	$65
American National P&C	$396	$67
Erie	$495	$83
Travelers	$595	$100
State Farm	$612	$103
USAA	$1081	$182
Progressive	$1165	$196
Nationwide	$1536	$256
Allstate	$1882	$320

Bala Cynwyd Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bala Cynwyd PA. For example, the car insurance in Bala Cynwyd after a DUI increases to $1387 for a six month policy. While the rate increases by $1528 for a six-month policy in the case of a speeding ticket.

Bala Cynwyd auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1528	$254
Cell phone violation	$1783	$303
Failure to wear a seat belt	$1783	$297
Failure to stop at a red light	$1800	$306
Illegal turn	$1800	$300
Improper passing	$1800	$306
Speeding in school zone	$1800	$300
Texting while driving	$1800	$306
Driving with expired registration	$1808	$302
Speeding 16 - 20 MPH over limit	$1808	$307
Wrong way/wrong lane	$1825	$304
Open container	$1932	$328
Reckless driving	$2816	$470
Racing	$2865	$486
DUI	$2915	$485
Driving with a suspended license	$2932	$499
Leaving scene of an accident/hit and run	$2957	$492

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Bala Cynwyd 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 Bala Cynwyd.

The cheapest car insurance premiums in Bala Cynwyd are offered by American National P&C at $446 for a six-month policy. However, it can be as expensive as $3460 with companies like Nationwide.

Bala Cynwyd car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$446	$74
Travelers	$702	$118
Erie	$1040	$175
Allstate	$1329	$224
Progressive	$1404	$236
State Farm	$1412	$238
USAA	$1478	$249
Nationwide	$3460	$582

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 Bala Cynwyd are offered by Westfield at $174. However, it can be as expensive as $2238 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Bala Cynwyd after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Auto-Owners Insurance Co	$222	$38
Erie	$635	$107
Travelers	$635	$107
State Farm	$727	$122
USAA	$1404	$239
Allstate	$1882	$314
Progressive	$1997	$339
Nationwide	$2238	$373

Car Insurance Price Trends in Bala Cynwyd, Pennsylvania

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

The average cost of full coverage in the Bala Cynwyd rose by $232 in December compared to $224 of November. In other words, there has been an increase by $8 when you compare December and November.

The average cost of liability insurance in the Bala Cynwyd remained steady at $51 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Bala Cynwyd?

The car insurance in Bala Cynwyd is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Bala Cynwyd?

The cheapest car insurance in Bala Cynwyd is $85 per month for full coverage.

How much is car insurance in Bala Cynwyd for teenagers?

Car insurance for teenagers costs $207 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 Bala Cynwyd?

The average cost of car insurance is $787 for a six-month policy. It will cost around $183 per month to insure your car in Bala Cynwyd.

Is car insurance expensive in Bala Cynwyd?

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

Cheapest Car Insurance Quotes in Bala Cynwyd

Why you can trust Way?

How Much Is Car Insurance in Bala Cynwyd

Avg. Car Insurance in Bala Cynwyd

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Bala Cynwyd

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Bala Cynwyd Car Insurance Rates by Company

Cheap Car Insurance Companies in Bala Cynwyd, PA

Way's key takeaways about car insurance in Bala Cynwyd

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bala Cynwyd

Cheapest Liability Coverage in Bala Cynwyd, PA

Cheapest Full Coverage Car Insurance in Bala Cynwyd

Cheapest Full Coverage Car Insurance Quotes in Bala Cynwyd, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bala Cynwyd by Rating Factor

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

Car Insurance Premiums by Age in Bala Cynwyd

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bala Cynwyd,PA

If you are in your twenties Travelers is the best choice for car insurance in Bala Cynwyd.

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 Bala Cynwyd

Cheapest Car Insurance Companies after an At-Fault Accident in Bala Cynwyd

Bala Cynwyd Car Insurance Rates by Violation

Bala Cynwyd auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bala Cynwyd after a DUI

Bala Cynwyd car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bala Cynwyd after Speeding ticket

Car Insurance Price Trends in Bala Cynwyd, Pennsylvania

Average Car Insurance Cost in Bala Cynwyd by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bala Cynwyd, PA

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

Featured Blogs

Data Sources