Cheapest Car Insurance Quotes in Bear Lake

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Bear Lake Car Insurance

^$ 25

/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 Bear Lake

The car insurance rate in Bear Lake is $862 for a six-month policy, which is $49 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 Bear Lake 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 Bear Lake

$862

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Bear Lake

1st place: AutoOwners Insurance Co

At $390 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 $542 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $649 for six months, making it the third cheapest auto insurance company in Bear Lake.

Bear Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bear Lake, PA is AutoOwners Insurance Co, offering policies at just $390 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $542.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1032 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bear Lake drivers find the best deals.

Cheap Car Insurance Companies in Bear Lake, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$390	$65
American National P&C	$542	$92
Westfield	$649	$108
Travelers	$699	$118
Erie	$850	$143
Nationwide	$989	$166
State Farm	$1007	$170
Allstate	$1120	$189
USAA	$1190	$200
Progressive	$1480	$249
Auto-Owners	$403	$69
Encompass	$1032	$172

Key Takeaways

Way's key takeaways about car insurance in Bear Lake

The auto insurance costs in Bear Lake fall around $390 for six months.
The cheapest auto insurance company in Bear Lake is Westfield.
Teen drivers pay the highest rate in Bear Lake at $771 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bear Lake

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 Bear Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Bear Lake. Their Average 6 Month Premium is $152. AutoOwners is the most expensive at $82 for the same period.

Cheapest Liability Coverage in Bear Lake, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$25
Auto-Owners Insurance Co	$158	$27
Erie	$201	$34
American National P&C	$208	$35
Chubb	$220	$37
Travelers	$233	$39
USAA	$277	$47
State Farm	$289	$49
Nationwide	$371	$63
Progressive	$422	$71
Allstate	$567	$95
Auto-Owners	$82	$14

Cheapest Full Coverage Car Insurance in Bear Lake

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 Bear Lake is AutoOwners Insurance Co at $65 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bear Lake, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$390	$65
American National P&C	$542	$92
Westfield	$649	$108
Travelers	$699	$118
Erie	$850	$143
Nationwide	$989	$166
State Farm	$1007	$170
Allstate	$1120	$189
USAA	$1190	$200
Progressive	$1480	$249
Auto-Owners	$403	$69
Encompass	$1032	$172

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Average Car Insurance in Bear Lake 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 Bear Lake, PA increasing?

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

Car Insurance Premiums by Age in Bear Lake

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 Bear Lake,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Bear Lake at $27 per month. At $4622 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
Auto-Owners Insurance Co	$182	$31
American National P&C	$240	$40
Chubb	$264	$45
Erie	$1083	$182
Travelers	$1247	$210
State Farm	$1795	$302
USAA	$2097	$356
Allstate	$2733	$456
Progressive	$2739	$465
Nationwide	$4622	$771

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 Bear Lake, 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 Bear Lake is State Farm, offering rates of around $5024 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$246	$41
Auto-Owners Insurance Co	$252	$42
Chubb	$296	$50
American National P&C	$334	$57
USAA	$1077	$179
Nationwide	$1120	$189
Erie	$1964	$328
Allstate	$2367	$403
Travelers	$2581	$430
Progressive	$2884	$491
State Farm	$5024	$837

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Car Insurance Rates with An Accident in Bear Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bear Lake

The cheapest car insurance companies after an at-fault accident in Bear Lake include Westfield and AutoOwners Insurance Co, offering $220 and $252, respectively. Donegal is an expensive provider with an average six-month premium of $246.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$220	$37
Auto-Owners Insurance Co	$252	$42
Chubb	$296	$50
American National P&C	$302	$51
Erie	$504	$85
State Farm	$585	$99
Travelers	$699	$118
USAA	$906	$153
Nationwide	$1392	$236
Allstate	$1435	$240
Progressive	$1700	$289
Auto-Owners	$82	$14
Donegal	$246	$41

Bear Lake Car Insurance Rates by Violation

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

Bear Lake 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 Bear Lake 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 Bear Lake.

The cheapest car insurance premiums in Bear Lake are offered by American National P&C at $340 for a six-month policy. However, it can be as expensive as $2928 with companies like Nationwide.

Bear Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$340	$56
Travelers	$730	$123
Erie	$913	$154
Allstate	$1013	$171
Progressive	$1108	$187
State Farm	$1291	$217
USAA	$1297	$218
Nationwide	$2928	$493

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 Bear Lake are offered by Westfield at $133. However, it can be as expensive as $2041 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Bear Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
Auto-Owners Insurance Co	$170	$29
Erie	$585	$99
State Farm	$749	$126
Travelers	$812	$137
USAA	$1203	$200
Allstate	$1435	$244
Progressive	$1726	$287
Nationwide	$2041	$347

Car Insurance Price Trends in Bear Lake, Pennsylvania

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

The average cost of full coverage in the Bear Lake rose by $194 in January compared to $179 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Bear Lake rose to $48 in January, compared to $40 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bear Lake?

The car insurance in Bear Lake is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Bear Lake?

The cheapest car insurance in Bear Lake is $65 per month for full coverage.

How much is car insurance in Bear Lake 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 Bear Lake?

The average cost of car insurance is $813 for a six-month policy. It will cost around $144 per month to insure your car in Bear Lake.

Is car insurance expensive in Bear Lake?

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

Cheapest Car Insurance Quotes in Bear Lake

Why you can trust Way?

How Much Is Car Insurance in Bear Lake

Avg. Car Insurance in Bear Lake

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Bear Lake

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Bear Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Bear Lake, PA

Way's key takeaways about car insurance in Bear Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bear Lake

Cheapest Liability Coverage in Bear Lake, PA

Cheapest Full Coverage Car Insurance in Bear Lake

Cheapest Full Coverage Car Insurance Quotes in Bear Lake, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bear Lake by Rating Factor

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

Car Insurance Premiums by Age in Bear Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bear Lake,PA

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

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 Bear Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Bear Lake

Bear Lake Car Insurance Rates by Violation

Bear Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bear Lake after a DUI

Bear Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bear Lake after Speeding ticket

Car Insurance Price Trends in Bear Lake, Pennsylvania

Average Car Insurance Cost in Bear Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bear Lake, PA

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

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