Cheapest Car Insurance Quotes in Bear Lake

Finding the cheapest car insurance quotes in Bear Lake 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

Bear Lake Car Insurance

^$ 14

/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 $826 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, 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

$826

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Bear Lake

1st place: AutoOwners Insurance Co

At $386 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 $399 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 $537 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 $386 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $399.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1409 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	$386	$64
Auto-Owners	$399	$68
American National P&C	$537	$89
Travelers	$580	$98
Westfield	$643	$107
Erie	$842	$142
State Farm	$880	$148
Nationwide	$904	$152
Encompass	$1023	$170
Allstate	$1110	$187
USAA	$1210	$204
Progressive	$1409	$237

Key Takeaways

Way's key takeaways about car insurance in Bear Lake

The auto insurance costs in Bear Lake fall around $386 for six months.
The cheapest auto insurance company in Bear Lake is AutoOwners.
Teen drivers pay the highest rate in Bear Lake at $657 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 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.

AutoOwners provides the cheapest minimum car insurance coverage in Bear Lake. Their Average 6 Month Premium is $81. Allstate is the most expensive at $518 for the same period.

Cheapest Liability Coverage in Bear Lake, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$81	$14
Westfield	$150	$25
Auto-Owners Insurance Co	$156	$26
Travelers	$187	$32
Erie	$200	$34
American National P&C	$206	$35
Chubb	$218	$37
State Farm	$261	$44
USAA	$261	$44
Progressive	$280	$47
Nationwide	$324	$54
Allstate	$518	$88

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 $64 per month and $386 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	$386	$64
Auto-Owners	$399	$68
American National P&C	$537	$89
Travelers	$580	$98
Westfield	$643	$107
Erie	$842	$142
State Farm	$880	$148
Nationwide	$904	$152
Encompass	$1023	$170
Allstate	$1110	$187
USAA	$1210	$204
Progressive	$1409	$237

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Bear Lake Instantly!

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$592
30s	Travelers	$410
40s	Travelers	$385
50s	Travelers	$369
60s	Travelers	$369
70s	Travelers	$434

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 $26 per month. At $3867 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
Auto-Owners Insurance Co	$181	$30
American National P&C	$237	$40
Chubb	$261	$44
Travelers	$749	$126
Erie	$917	$154
State Farm	$1254	$211
USAA	$1646	$274
Allstate	$2756	$468
Progressive	$3817	$636
Nationwide	$3867	$657

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 Bear Lake.

As young drivers face the highest rates in Bear Lake, Travelers offers the cheapest auto insurance rates at $592 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 Bear Lake, Westfield is the cheapest car insurance provider. At $244 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 $3350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$244	$41
Auto-Owners Insurance Co	$250	$42
Chubb	$293	$49
American National P&C	$331	$57
USAA	$948	$158
Nationwide	$961	$162
Erie	$1528	$255
Travelers	$1734	$295
Allstate	$2333	$389
Progressive	$2569	$437
State Farm	$3350	$559

Escape the Trap of Rising Insurance Costs.

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

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 AutoOwners and Westfield, offering $81 and $218, respectively. Allstate is an expensive provider with an average six-month premium of $1422.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$81	$14
Westfield	$218	$37
Donegal	$244	$41
Auto-Owners Insurance Co	$250	$42
Chubb	$293	$49
American National P&C	$299	$50
Erie	$374	$63
Travelers	$449	$76
State Farm	$462	$78
USAA	$817	$138
Progressive	$880	$148
Nationwide	$1160	$193
Allstate	$1422	$242

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 $1048 for a six month policy. While the rate increases by $1154 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	$1154	$192
Cell phone violation	$1347	$229
Failure to wear a seat belt	$1347	$225
Failure to stop at a red light	$1360	$231
Illegal turn	$1360	$227
Improper passing	$1360	$231
Speeding in school zone	$1360	$227
Texting while driving	$1360	$231
Driving with expired registration	$1366	$228
Speeding 16 - 20 MPH over limit	$1366	$232
Wrong way/wrong lane	$1379	$230
Open container	$1460	$248
Reckless driving	$2127	$355
Racing	$2164	$368
DUI	$2202	$366
Driving with a suspended license	$2214	$377
Leaving scene of an accident/hit and run	$2233	$372

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 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 $337 for a six-month policy. However, it can be as expensive as $2613 with companies like Nationwide.

Bear Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$337	$56
Travelers	$530	$89
Erie	$785	$132
Allstate	$1004	$169
Progressive	$1061	$179
State Farm	$1067	$180
USAA	$1116	$188
Nationwide	$2613	$440

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 $131. However, it can be as expensive as $1691 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	$131	$22
Auto-Owners Insurance Co	$168	$28
Erie	$480	$81
Travelers	$480	$81
State Farm	$549	$92
USAA	$1061	$181
Allstate	$1422	$237
Progressive	$1509	$256
Nationwide	$1691	$281

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 $175 in December compared to $169 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 Bear Lake remained steady at $39 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 Bear Lake?

The car insurance in Bear Lake is $14 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 $64 per month for full coverage.

How much is car insurance in Bear Lake for teenagers?

Car insurance for teenagers costs $156 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 $787 for a six-month policy. It will cost around $139 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: AutoOwners

3rd place: American National P&C

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 Travelers 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)

Featured Blogs

Data Sources