Cheapest Car Insurance Quotes in Baldwin

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399,755 Policies Sold

Baldwin Car Insurance

^$ 13

/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 Baldwin

The car insurance rate in Baldwin is $787 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 Baldwin 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 Baldwin

$787

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Baldwin

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: AutoOwners

AutoOwners offers auto insurance rates at $380 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 $511 for six months, making it the third cheapest auto insurance company in Baldwin.

Baldwin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Baldwin, PA is AutoOwners Insurance Co, offering policies at just $368 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $380.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1342 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Baldwin drivers find the best deals.

Cheap Car Insurance Companies in Baldwin, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$61
Auto-Owners	$380	$65
American National P&C	$511	$85
Travelers	$552	$93
Westfield	$612	$102
Erie	$802	$135
State Farm	$838	$141
Nationwide	$861	$145
Encompass	$974	$162
Allstate	$1057	$178
USAA	$1152	$194
Progressive	$1342	$226

Key Takeaways

Way's key takeaways about car insurance in Baldwin

The auto insurance costs in Baldwin fall around $368 for six months.
The cheapest auto insurance company in Baldwin is AutoOwners.
Teen drivers pay the highest rate in Baldwin at $626 per month.

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Cheapest Minimum Liability Car Insurance in Baldwin

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 Baldwin are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Baldwin. Their Average 6 Month Premium is $77. Allstate is the most expensive at $493 for the same period.

Cheapest Liability Coverage in Baldwin, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$77	$13
Westfield	$143	$24
Auto-Owners Insurance Co	$149	$25
Travelers	$178	$30
Erie	$190	$32
American National P&C	$196	$33
Chubb	$208	$35
State Farm	$249	$42
USAA	$249	$42
Progressive	$267	$45
Nationwide	$309	$51
Allstate	$493	$84

Cheapest Full Coverage Car Insurance in Baldwin

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

Cheapest Full Coverage Car Insurance Quotes in Baldwin, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$368	$61
Auto-Owners	$380	$65
American National P&C	$511	$85
Travelers	$552	$93
Westfield	$612	$102
Erie	$802	$135
State Farm	$838	$141
Nationwide	$861	$145
Encompass	$974	$162
Allstate	$1057	$178
USAA	$1152	$194
Progressive	$1342	$226

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Average Car Insurance in Baldwin 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 Baldwin, PA increasing?

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

Car Insurance Premiums by Age in Baldwin

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	$564
30s	Travelers	$390
40s	Travelers	$367
50s	Travelers	$351
60s	Travelers	$351
70s	Travelers	$413

Cheapest Car Insurance Rates for Teen Drivers in Baldwin,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Baldwin at $25 per month. At $3683 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
Travelers	$713	$120
Erie	$873	$147
State Farm	$1194	$201
USAA	$1568	$261
Allstate	$2625	$446
Progressive	$3635	$606
Nationwide	$3683	$626

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 Baldwin.

As young drivers face the highest rates in Baldwin, Travelers offers the cheapest auto insurance rates at $564 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 Baldwin, 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 Baldwin is State Farm, offering rates of around $3190 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	$903	$150
Nationwide	$915	$154
Erie	$1455	$243
Travelers	$1651	$281
Allstate	$2222	$370
Progressive	$2447	$416
State Farm	$3190	$532

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

Car Insurance Rates with An Accident in Baldwin

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

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

The cheapest car insurance companies after an at-fault accident in Baldwin include AutoOwners and Westfield, offering $77 and $208, respectively. Allstate is an expensive provider with an average six-month premium of $1354.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$77	$13
Westfield	$208	$35
Donegal	$232	$39
Auto-Owners Insurance Co	$238	$40
Chubb	$279	$47
American National P&C	$285	$48
Erie	$356	$60
Travelers	$428	$72
State Farm	$440	$74
USAA	$778	$131
Progressive	$838	$141
Nationwide	$1105	$184
Allstate	$1354	$230

Baldwin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Baldwin PA. For example, the car insurance in Baldwin 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.

Baldwin 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 Baldwin 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 Baldwin.

The cheapest car insurance premiums in Baldwin are offered by American National P&C at $321 for a six-month policy. However, it can be as expensive as $2489 with companies like Nationwide.

Baldwin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$321	$53
Travelers	$505	$85
Erie	$748	$126
Allstate	$956	$161
Progressive	$1010	$170
State Farm	$1016	$171
USAA	$1063	$179
Nationwide	$2489	$419

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 Baldwin are offered by Westfield at $125. However, it can be as expensive as $1610 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Baldwin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$125	$21
Auto-Owners Insurance Co	$160	$27
Erie	$457	$77
Travelers	$457	$77
State Farm	$523	$88
USAA	$1010	$172
Allstate	$1354	$226
Progressive	$1437	$244
Nationwide	$1610	$268

Car Insurance Price Trends in Baldwin, Pennsylvania

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

The average cost of full coverage in the Baldwin rose by $167 in December compared to $161 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 Baldwin remained steady at $37 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Baldwin?

The car insurance in Baldwin is $13 per month, which is lower than the national average.

What is the cheapest car insurance in Baldwin?

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

How much is car insurance in Baldwin 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 Baldwin?

The average cost of car insurance is $787 for a six-month policy. It will cost around $132 per month to insure your car in Baldwin.

Is car insurance expensive in Baldwin?

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

Cheapest Car Insurance Quotes in Baldwin

Why you can trust Way?

How Much Is Car Insurance in Baldwin

Avg. Car Insurance in Baldwin

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Baldwin

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Baldwin Car Insurance Rates by Company

Cheap Car Insurance Companies in Baldwin, PA

Way's key takeaways about car insurance in Baldwin

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Baldwin

Cheapest Liability Coverage in Baldwin, PA

Cheapest Full Coverage Car Insurance in Baldwin

Cheapest Full Coverage Car Insurance Quotes in Baldwin, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Baldwin by Rating Factor

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

Car Insurance Premiums by Age in Baldwin

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Baldwin,PA

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

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 Baldwin

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

Baldwin Car Insurance Rates by Violation

Baldwin auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Baldwin after a DUI

Baldwin car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Baldwin after Speeding ticket

Car Insurance Price Trends in Baldwin, Pennsylvania

Average Car Insurance Cost in Baldwin by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Baldwin, PA

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

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Data Sources