Cheapest Car Insurance Quotes in Ben Avon

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Ben Avon 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 Ben Avon

The car insurance rate in Ben Avon is $837 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in Ben Avon 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 Ben Avon

$837

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Ben Avon

1st place: AutoOwners Insurance Co

At $379 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 $526 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $630 for six months, making it the third cheapest auto insurance company in Ben Avon.

Ben Avon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ben Avon, PA is AutoOwners Insurance Co, offering policies at just $379 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $526.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1003 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ben Avon drivers find the best deals.

Cheap Car Insurance Companies in Ben Avon, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$379	$63
American National P&C	$526	$90
Westfield	$630	$105
Travelers	$679	$114
Erie	$826	$139
Nationwide	$961	$162
State Farm	$979	$165
Allstate	$1089	$183
USAA	$1157	$195
Progressive	$1438	$242
Auto-Owners	$391	$67
Encompass	$1003	$167

Key Takeaways

Way's key takeaways about car insurance in Ben Avon

The auto insurance costs in Ben Avon fall around $379 for six months.
The cheapest auto insurance company in Ben Avon is Westfield.
Teen drivers pay the highest rate in Ben Avon at $749 per month.

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Cheapest Minimum Liability Car Insurance in Ben Avon

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 Ben Avon are given below.

Westfield provides the cheapest minimum car insurance coverage in Ben Avon. Their Average 6 Month Premium is $147. AutoOwners is the most expensive at $79 for the same period.

Cheapest Liability Coverage in Ben Avon, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
Auto-Owners Insurance Co	$153	$26
Erie	$196	$33
American National P&C	$202	$34
Chubb	$214	$36
Travelers	$227	$38
USAA	$269	$45
State Farm	$281	$47
Nationwide	$361	$61
Progressive	$410	$69
Allstate	$551	$93
Auto-Owners	$79	$13

Cheapest Full Coverage Car Insurance in Ben Avon

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 Ben Avon is AutoOwners Insurance Co at $63 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ben Avon, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$379	$63
American National P&C	$526	$90
Westfield	$630	$105
Travelers	$679	$114
Erie	$826	$139
Nationwide	$961	$162
State Farm	$979	$165
Allstate	$1089	$183
USAA	$1157	$195
Progressive	$1438	$242
Auto-Owners	$391	$67
Encompass	$1003	$167

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Average Car Insurance in Ben Avon 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 Ben Avon, PA increasing?

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

Car Insurance Premiums by Age in Ben Avon

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 Ben Avon,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Ben Avon at $26 per month. At $4491 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Auto-Owners Insurance Co	$177	$30
American National P&C	$233	$39
Chubb	$256	$43
Erie	$1053	$177
Travelers	$1211	$204
State Farm	$1744	$294
USAA	$2037	$346
Allstate	$2655	$443
Progressive	$2662	$452
Nationwide	$4491	$749

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 Ben Avon, Westfield is the cheapest car insurance provider. At $239 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 Ben Avon is State Farm, offering rates of around $4882 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$239	$40
Auto-Owners Insurance Co	$245	$41
Chubb	$287	$48
American National P&C	$324	$56
USAA	$1046	$174
Nationwide	$1089	$183
Erie	$1909	$318
Allstate	$2300	$391
Travelers	$2508	$418
Progressive	$2803	$477
State Farm	$4882	$814

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Car Insurance Rates with An Accident in Ben Avon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ben Avon

The cheapest car insurance companies after an at-fault accident in Ben Avon include Westfield and AutoOwners Insurance Co, offering $214 and $245, respectively. Donegal is an expensive provider with an average six-month premium of $239.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$214	$36
Auto-Owners Insurance Co	$245	$41
Chubb	$287	$48
American National P&C	$294	$49
Erie	$489	$82
State Farm	$569	$96
Travelers	$679	$114
USAA	$881	$148
Nationwide	$1352	$230
Allstate	$1395	$233
Progressive	$1652	$281
Auto-Owners	$79	$13
Donegal	$239	$40

Ben Avon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ben Avon PA. For example, the car insurance in Ben Avon after a DUI increases to $1028 for a six month policy. While the rate increases by $1132 for a six-month policy in the case of a speeding ticket.

Ben Avon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1132	$188
Cell phone violation	$1321	$225
Failure to wear a seat belt	$1321	$220
Failure to stop at a red light	$1334	$227
Illegal turn	$1334	$222
Improper passing	$1334	$227
Speeding in school zone	$1334	$222
Texting while driving	$1334	$227
Driving with expired registration	$1340	$224
Speeding 16 - 20 MPH over limit	$1340	$228
Wrong way/wrong lane	$1352	$226
Open container	$1432	$243
Reckless driving	$2087	$348
Racing	$2123	$361
DUI	$2160	$359
Driving with a suspended license	$2172	$370
Leaving scene of an accident/hit and run	$2191	$365

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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 Ben Avon 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 Ben Avon.

The cheapest car insurance premiums in Ben Avon are offered by American National P&C at $331 for a six-month policy. However, it can be as expensive as $2845 with companies like Nationwide.

Ben Avon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$331	$55
Travelers	$710	$119
Erie	$887	$149
Allstate	$985	$166
Progressive	$1076	$181
State Farm	$1255	$211
USAA	$1261	$212
Nationwide	$2845	$479

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 Ben Avon are offered by Westfield at $129. However, it can be as expensive as $1983 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Ben Avon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$129	$22
Auto-Owners Insurance Co	$165	$28
Erie	$569	$96
State Farm	$728	$123
Travelers	$789	$133
USAA	$1169	$195
Allstate	$1395	$237
Progressive	$1677	$279
Nationwide	$1983	$337

Car Insurance Price Trends in Ben Avon, Pennsylvania

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

The average cost of full coverage in the Ben Avon rose by $188 in January compared to $174 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Ben Avon rose to $46 in January, compared to $39 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ben Avon?

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

What is the cheapest car insurance in Ben Avon?

The cheapest car insurance in Ben Avon is $63 per month for full coverage.

How much is car insurance in Ben Avon for teenagers?

Car insurance for teenagers costs $153 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 Ben Avon?

The average cost of car insurance is $813 for a six-month policy. It will cost around $140 per month to insure your car in Ben Avon.

Is car insurance expensive in Ben Avon?

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

Cheapest Car Insurance Quotes in Ben Avon

Why you can trust Way?

How Much Is Car Insurance in Ben Avon

Avg. Car Insurance in Ben Avon

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Ben Avon

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Ben Avon Car Insurance Rates by Company

Cheap Car Insurance Companies in Ben Avon, PA

Way's key takeaways about car insurance in Ben Avon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ben Avon

Cheapest Liability Coverage in Ben Avon, PA

Cheapest Full Coverage Car Insurance in Ben Avon

Cheapest Full Coverage Car Insurance Quotes in Ben Avon, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ben Avon by Rating Factor

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

Car Insurance Premiums by Age in Ben Avon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ben Avon,PA

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

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 Ben Avon

Cheapest Car Insurance Companies after an At-Fault Accident in Ben Avon

Ben Avon Car Insurance Rates by Violation

Ben Avon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ben Avon after a DUI

Ben Avon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ben Avon after Speeding ticket

Car Insurance Price Trends in Ben Avon, Pennsylvania

Average Car Insurance Cost in Ben Avon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ben Avon, PA

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

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