Cheapest Car Insurance Quotes in Big Beaver

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Big Beaver Car Insurance

^$ 12

/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 Big Beaver

The car insurance rate in Big Beaver is $740 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Big Beaver 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 Big Beaver

$740

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Big Beaver

1st place: AutoOwners Insurance Co

At $346 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 $357 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 $480 for six months, making it the third cheapest auto insurance company in Big Beaver.

Big Beaver Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Big Beaver, PA is AutoOwners Insurance Co, offering policies at just $346 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $357.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Big Beaver drivers find the best deals.

Cheap Car Insurance Companies in Big Beaver, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$346	$57
Auto-Owners	$357	$61
American National P&C	$480	$80
Travelers	$519	$87
Westfield	$575	$96
Erie	$754	$127
State Farm	$788	$133
Nationwide	$809	$136
Encompass	$916	$152
Allstate	$994	$167
USAA	$1083	$182
Progressive	$1261	$212

Key Takeaways

Way's key takeaways about car insurance in Big Beaver

The auto insurance costs in Big Beaver fall around $346 for six months.
The cheapest auto insurance company in Big Beaver is AutoOwners.
Teen drivers pay the highest rate in Big Beaver at $588 per month.

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Cheapest Minimum Liability Car Insurance in Big Beaver

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 Big Beaver are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Big Beaver. Their Average 6 Month Premium is $72. Allstate is the most expensive at $463 for the same period.

Cheapest Liability Coverage in Big Beaver, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$72	$12
Westfield	$134	$23
Auto-Owners Insurance Co	$140	$24
Travelers	$167	$28
Erie	$179	$30
American National P&C	$184	$31
Chubb	$196	$33
State Farm	$234	$39
USAA	$234	$39
Progressive	$251	$42
Nationwide	$290	$48
Allstate	$463	$79

Cheapest Full Coverage Car Insurance in Big Beaver

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 Big Beaver is AutoOwners Insurance Co at $57 per month and $346 for six months.

Cheapest Full Coverage Car Insurance Quotes in Big Beaver, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$346	$57
Auto-Owners	$357	$61
American National P&C	$480	$80
Travelers	$519	$87
Westfield	$575	$96
Erie	$754	$127
State Farm	$788	$133
Nationwide	$809	$136
Encompass	$916	$152
Allstate	$994	$167
USAA	$1083	$182
Progressive	$1261	$212

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Average Car Insurance in Big Beaver 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 Big Beaver, PA increasing?

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

Car Insurance Premiums by Age in Big Beaver

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	$530
30s	Travelers	$367
40s	Travelers	$345
50s	Travelers	$330
60s	Travelers	$330
70s	Travelers	$388

Cheapest Car Insurance Rates for Teen Drivers in Big Beaver,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Big Beaver at $24 per month. At $3462 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$140	$24
Auto-Owners Insurance Co	$162	$27
American National P&C	$212	$36
Chubb	$234	$39
Travelers	$670	$113
Erie	$821	$138
State Farm	$1122	$189
USAA	$1474	$245
Allstate	$2468	$419
Progressive	$3417	$570
Nationwide	$3462	$588

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 Big Beaver.

As young drivers face the highest rates in Big Beaver, Travelers offers the cheapest auto insurance rates at $530 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 Big Beaver, Westfield is the cheapest car insurance provider. At $218 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 Big Beaver is State Farm, offering rates of around $2999 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$218	$37
Auto-Owners Insurance Co	$224	$38
Chubb	$262	$44
American National P&C	$296	$51
USAA	$849	$141
Nationwide	$860	$145
Erie	$1368	$228
Travelers	$1552	$264
Allstate	$2089	$348
Progressive	$2300	$391
State Farm	$2999	$500

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Car Insurance Rates with An Accident in Big Beaver

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

Cheapest Car Insurance Companies after an At-Fault Accident in Big Beaver

The cheapest car insurance companies after an at-fault accident in Big Beaver include AutoOwners and Westfield, offering $72 and $196, respectively. Allstate is an expensive provider with an average six-month premium of $1273.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$72	$12
Westfield	$196	$33
Donegal	$218	$37
Auto-Owners Insurance Co	$224	$38
Chubb	$262	$44
American National P&C	$268	$45
Erie	$335	$56
Travelers	$402	$68
State Farm	$414	$70
USAA	$731	$123
Progressive	$788	$133
Nationwide	$1039	$173
Allstate	$1273	$216

Big Beaver Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Big Beaver PA. For example, the car insurance in Big Beaver after a DUI increases to $938 for a six month policy. While the rate increases by $1033 for a six-month policy in the case of a speeding ticket.

Big Beaver auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1033	$172
Cell phone violation	$1206	$205
Failure to wear a seat belt	$1206	$201
Failure to stop at a red light	$1217	$207
Illegal turn	$1217	$203
Improper passing	$1217	$207
Speeding in school zone	$1217	$203
Texting while driving	$1217	$207
Driving with expired registration	$1223	$204
Speeding 16 - 20 MPH over limit	$1223	$208
Wrong way/wrong lane	$1234	$206
Open container	$1307	$222
Reckless driving	$1904	$318
Racing	$1937	$329
DUI	$1971	$328
Driving with a suspended license	$1982	$337
Leaving scene of an accident/hit and run	$1999	$333

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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 Big Beaver 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 Big Beaver.

The cheapest car insurance premiums in Big Beaver are offered by American National P&C at $302 for a six-month policy. However, it can be as expensive as $2340 with companies like Nationwide.

Big Beaver car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$302	$50
Travelers	$475	$80
Erie	$703	$118
Allstate	$899	$151
Progressive	$949	$160
State Farm	$955	$161
USAA	$999	$168
Nationwide	$2340	$394

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 Big Beaver are offered by Westfield at $118. However, it can be as expensive as $1513 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Big Beaver after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$118	$20
Auto-Owners Insurance Co	$150	$25
Erie	$430	$72
Travelers	$430	$72
State Farm	$492	$83
USAA	$949	$162
Allstate	$1273	$212
Progressive	$1351	$229
Nationwide	$1513	$252

Car Insurance Price Trends in Big Beaver, Pennsylvania

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

The average cost of full coverage in the Big Beaver rose by $157 in December compared to $151 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 Big Beaver remained steady at $35 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 Big Beaver?

The car insurance in Big Beaver is $12 per month, which is lower than the national average.

What is the cheapest car insurance in Big Beaver?

The cheapest car insurance in Big Beaver is $57 per month for full coverage.

How much is car insurance in Big Beaver for teenagers?

Car insurance for teenagers costs $140 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 Big Beaver?

The average cost of car insurance is $787 for a six-month policy. It will cost around $124 per month to insure your car in Big Beaver.

Is car insurance expensive in Big Beaver?

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

Cheapest Car Insurance Quotes in Big Beaver

Why you can trust Way?

How Much Is Car Insurance in Big Beaver

Avg. Car Insurance in Big Beaver

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Big Beaver

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Big Beaver Car Insurance Rates by Company

Cheap Car Insurance Companies in Big Beaver, PA

Way's key takeaways about car insurance in Big Beaver

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Big Beaver

Cheapest Liability Coverage in Big Beaver, PA

Cheapest Full Coverage Car Insurance in Big Beaver

Cheapest Full Coverage Car Insurance Quotes in Big Beaver, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Big Beaver by Rating Factor

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

Car Insurance Premiums by Age in Big Beaver

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Big Beaver,PA

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

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 Big Beaver

Cheapest Car Insurance Companies after an At-Fault Accident in Big Beaver

Big Beaver Car Insurance Rates by Violation

Big Beaver auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Big Beaver after a DUI

Big Beaver car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Big Beaver after Speeding ticket

Car Insurance Price Trends in Big Beaver, Pennsylvania

Average Car Insurance Cost in Big Beaver by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Big Beaver, PA

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

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