Cheapest Car Insurance Quotes in Blue Bell

Finding the cheapest car insurance quotes in Blue Bell 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

406,175 Policies Sold

Blue Bell Car Insurance

^$ 27

/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 Blue Bell

The car insurance rate in Blue Bell is $927 for a six-month policy, which is $114 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Blue Bell 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 Blue Bell

$927

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Blue Bell

1st place: AutoOwners Insurance Co

At $420 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 $583 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $698 for six months, making it the third cheapest auto insurance company in Blue Bell.

Blue Bell Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blue Bell, PA is AutoOwners Insurance Co, offering policies at just $420 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $583.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1110 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Bell drivers find the best deals.

Cheap Car Insurance Companies in Blue Bell, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$420	$70
American National P&C	$583	$99
Westfield	$698	$116
Travelers	$751	$127
Erie	$914	$154
Nationwide	$1064	$179
State Farm	$1083	$182
Allstate	$1205	$203
USAA	$1280	$215
Progressive	$1591	$268
Auto-Owners	$433	$74
Encompass	$1110	$185

Key Takeaways

Way's key takeaways about car insurance in Blue Bell

The auto insurance costs in Blue Bell fall around $420 for six months.
The cheapest auto insurance company in Blue Bell is Westfield.
Teen drivers pay the highest rate in Blue Bell at $829 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 Blue Bell

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 Blue Bell are given below.

Westfield provides the cheapest minimum car insurance coverage in Blue Bell. Their Average 6 Month Premium is $163. AutoOwners is the most expensive at $88 for the same period.

Cheapest Liability Coverage in Blue Bell, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$163	$27
Auto-Owners Insurance Co	$170	$28
Erie	$217	$36
American National P&C	$223	$38
Chubb	$237	$40
Travelers	$251	$42
USAA	$298	$50
State Farm	$311	$52
Nationwide	$399	$67
Progressive	$454	$76
Allstate	$610	$103
Auto-Owners	$88	$15

Cheapest Full Coverage Car Insurance in Blue Bell

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 Blue Bell is AutoOwners Insurance Co at $70 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Bell, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$420	$70
American National P&C	$583	$99
Westfield	$698	$116
Travelers	$751	$127
Erie	$914	$154
Nationwide	$1064	$179
State Farm	$1083	$182
Allstate	$1205	$203
USAA	$1280	$215
Progressive	$1591	$268
Auto-Owners	$433	$74
Encompass	$1110	$185

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Blue Bell Instantly!

Average Car Insurance in Blue Bell 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 Blue Bell, PA increasing?

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

Car Insurance Premiums by Age in Blue Bell

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Blue Bell,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Blue Bell at $28 per month. At $4970 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$28
Auto-Owners Insurance Co	$196	$33
American National P&C	$258	$43
Chubb	$284	$48
Erie	$1165	$196
Travelers	$1341	$226
State Farm	$1930	$325
USAA	$2255	$383
Allstate	$2939	$490
Progressive	$2946	$500
Nationwide	$4970	$829

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 Blue Bell, Westfield is the cheapest car insurance provider. At $264 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 Blue Bell is State Farm, offering rates of around $5404 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
Auto-Owners Insurance Co	$271	$46
Chubb	$318	$54
American National P&C	$359	$62
USAA	$1158	$193
Nationwide	$1205	$203
Erie	$2112	$352
Allstate	$2546	$433
Travelers	$2776	$463
Progressive	$3102	$528
State Farm	$5404	$901

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Blue Bell

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

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Bell

The cheapest car insurance companies after an at-fault accident in Blue Bell include Westfield and AutoOwners Insurance Co, offering $237 and $271, respectively. Donegal is an expensive provider with an average six-month premium of $264.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$237	$40
Auto-Owners Insurance Co	$271	$46
Chubb	$318	$54
American National P&C	$325	$55
Erie	$542	$91
State Farm	$629	$106
Travelers	$751	$127
USAA	$975	$164
Nationwide	$1497	$254
Allstate	$1544	$258
Progressive	$1829	$311
Auto-Owners	$88	$15
Donegal	$264	$44

Blue Bell Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blue Bell PA. For example, the car insurance in Blue Bell after a DUI increases to $1138 for a six month policy. While the rate increases by $1253 for a six-month policy in the case of a speeding ticket.

Blue Bell auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1253	$209
Cell phone violation	$1463	$249
Failure to wear a seat belt	$1463	$244
Failure to stop at a red light	$1476	$251
Illegal turn	$1476	$246
Improper passing	$1476	$251
Speeding in school zone	$1476	$246
Texting while driving	$1476	$251
Driving with expired registration	$1483	$247
Speeding 16 - 20 MPH over limit	$1483	$252
Wrong way/wrong lane	$1497	$250
Open container	$1585	$269
Reckless driving	$2310	$385
Racing	$2350	$399
DUI	$2391	$398
Driving with a suspended license	$2404	$409
Leaving scene of an accident/hit and run	$2425	$404

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 Blue Bell 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 Blue Bell.

The cheapest car insurance premiums in Blue Bell are offered by American National P&C at $366 for a six-month policy. However, it can be as expensive as $3149 with companies like Nationwide.

Blue Bell car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$366	$60
Travelers	$785	$132
Erie	$982	$165
Allstate	$1090	$184
Progressive	$1191	$201
State Farm	$1389	$234
USAA	$1395	$235
Nationwide	$3149	$530

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 Blue Bell are offered by Westfield at $143. However, it can be as expensive as $2195 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Blue Bell after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
Auto-Owners Insurance Co	$182	$31
Erie	$629	$106
State Farm	$806	$136
Travelers	$873	$147
USAA	$1294	$215
Allstate	$1544	$262
Progressive	$1856	$309
Nationwide	$2195	$373

Car Insurance Price Trends in Blue Bell, Pennsylvania

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

The average cost of full coverage in the Blue Bell rose by $209 in January compared to $193 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Blue Bell rose to $51 in January, compared to $43 in December. This represents an increase of $8 when comparing January and December.

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 Blue Bell?

The car insurance in Blue Bell is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Blue Bell?

The cheapest car insurance in Blue Bell is $70 per month for full coverage.

How much is car insurance in Blue Bell for teenagers?

Car insurance for teenagers costs $170 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 Blue Bell?

The average cost of car insurance is $813 for a six-month policy. It will cost around $155 per month to insure your car in Blue Bell.

Is car insurance expensive in Blue Bell?

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

Cheapest Car Insurance Quotes in Blue Bell

Why you can trust Way?

How Much Is Car Insurance in Blue Bell

Avg. Car Insurance in Blue Bell

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Blue Bell

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Blue Bell Car Insurance Rates by Company

Cheap Car Insurance Companies in Blue Bell, PA

Way's key takeaways about car insurance in Blue Bell

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Blue Bell

Cheapest Liability Coverage in Blue Bell, PA

Cheapest Full Coverage Car Insurance in Blue Bell

Cheapest Full Coverage Car Insurance Quotes in Blue Bell, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Blue Bell by Rating Factor

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

Car Insurance Premiums by Age in Blue Bell

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Blue Bell,PA

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

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 Blue Bell

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Bell

Blue Bell Car Insurance Rates by Violation

Blue Bell auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Blue Bell after a DUI

Blue Bell car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Blue Bell after Speeding ticket

Car Insurance Price Trends in Blue Bell, Pennsylvania

Average Car Insurance Cost in Blue Bell by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Blue Bell, PA

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

Featured Blogs

Data Sources