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

406,175 Policies Sold

Bala Cynwyd Car Insurance

^$ 34

/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 $1146 for a six-month policy, which is $333 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, 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

$1146

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Bala Cynwyd

1st place: AutoOwners Insurance Co

At $519 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 $721 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $863 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 $519 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $721.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1373 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	$519	$86
American National P&C	$721	$123
Westfield	$863	$144
Travelers	$929	$157
Erie	$1131	$190
Nationwide	$1316	$221
State Farm	$1340	$226
Allstate	$1490	$251
USAA	$1583	$266
Progressive	$1968	$331
Auto-Owners	$536	$92
Encompass	$1373	$228

Key Takeaways

Way's key takeaways about car insurance in Bala Cynwyd

The auto insurance costs in Bala Cynwyd fall around $519 for six months.
The cheapest auto insurance company in Bala Cynwyd is Westfield.
Teen drivers pay the highest rate in Bala Cynwyd at $1025 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.

Westfield provides the cheapest minimum car insurance coverage in Bala Cynwyd. Their Average 6 Month Premium is $202. AutoOwners is the most expensive at $109 for the same period.

Cheapest Liability Coverage in Bala Cynwyd, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$202	$34
Auto-Owners Insurance Co	$210	$35
Erie	$268	$45
American National P&C	$276	$47
Chubb	$293	$49
Travelers	$310	$52
USAA	$368	$62
State Farm	$385	$65
Nationwide	$494	$83
Progressive	$561	$94
Allstate	$754	$127
Auto-Owners	$109	$18

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 $86 per month and $519 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	$519	$86
American National P&C	$721	$123
Westfield	$863	$144
Travelers	$929	$157
Erie	$1131	$190
Nationwide	$1316	$221
State Farm	$1340	$226
Allstate	$1490	$251
USAA	$1583	$266
Progressive	$1968	$331
Auto-Owners	$536	$92
Encompass	$1373	$228

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

undefined

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 $6148 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
Auto-Owners Insurance Co	$243	$41
American National P&C	$319	$54
Chubb	$351	$59
Erie	$1441	$243
Travelers	$1658	$279
State Farm	$2387	$402
USAA	$2789	$474
Allstate	$3635	$606
Progressive	$3643	$619
Nationwide	$6148	$1025

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 Bala Cynwyd, Westfield is the cheapest car insurance provider. At $327 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 $6683 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$327	$55
Auto-Owners Insurance Co	$336	$56
Chubb	$393	$66
American National P&C	$444	$76
USAA	$1433	$238
Nationwide	$1490	$251
Erie	$2613	$436
Allstate	$3149	$536
Travelers	$3433	$572
Progressive	$3837	$653
State Farm	$6683	$1114

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 Westfield and AutoOwners Insurance Co, offering $293 and $336, respectively. Donegal is an expensive provider with an average six-month premium of $327.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$293	$49
Auto-Owners Insurance Co	$336	$56
Chubb	$393	$66
American National P&C	$402	$68
Erie	$670	$113
State Farm	$778	$131
Travelers	$929	$157
USAA	$1206	$203
Nationwide	$1851	$314
Allstate	$1909	$319
Progressive	$2262	$385
Auto-Owners	$109	$18
Donegal	$327	$55

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 $1407 for a six month policy. While the rate increases by $1550 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	$1550	$258
Cell phone violation	$1809	$307
Failure to wear a seat belt	$1809	$302
Failure to stop at a red light	$1826	$310
Illegal turn	$1826	$305
Improper passing	$1826	$310
Speeding in school zone	$1826	$305
Texting while driving	$1826	$310
Driving with expired registration	$1834	$306
Speeding 16 - 20 MPH over limit	$1834	$312
Wrong way/wrong lane	$1851	$309
Open container	$1960	$333
Reckless driving	$2857	$477
Racing	$2906	$494
DUI	$2957	$492
Driving with a suspended license	$2974	$506
Leaving scene of an accident/hit and run	$2999	$499

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 $453 for a six-month policy. However, it can be as expensive as $3894 with companies like Nationwide.

Bala Cynwyd car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$453	$75
Travelers	$971	$164
Erie	$1214	$204
Allstate	$1348	$227
Progressive	$1473	$248
State Farm	$1717	$289
USAA	$1726	$290
Nationwide	$3894	$656

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 $176. However, it can be as expensive as $2714 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	$176	$30
Auto-Owners Insurance Co	$226	$38
Erie	$778	$131
State Farm	$997	$168
Travelers	$1080	$182
USAA	$1600	$266
Allstate	$1909	$324
Progressive	$2295	$382
Nationwide	$2714	$461

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 $258 in January compared to $238 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Bala Cynwyd rose to $63 in January, compared to $54 in December. This represents an increase of $9 when comparing January and December.

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 $34 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 $86 per month for full coverage.

How much is car insurance in Bala Cynwyd for teenagers?

Car insurance for teenagers costs $210 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 $813 for a six-month policy. It will cost around $192 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: American National P&C

3rd place: Westfield

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 N/A 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