Cheapest Car Insurance Quotes in Blue Ridge Summit

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Blue Ridge Summit Car Insurance

^$ 11

/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 Ridge Summit

The car insurance rate in Blue Ridge Summit is $653 for a six-month policy, which is $134 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $305, making it a popular choice for budget-conscious drivers. Rates in Blue Ridge Summit 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 Ridge Summit

$653

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Blue Ridge Summit

1st place: AutoOwners Insurance Co

At $305 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 $315 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 $424 for six months, making it the third cheapest auto insurance company in Blue Ridge Summit.

Blue Ridge Summit Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blue Ridge Summit, PA is AutoOwners Insurance Co, offering policies at just $305 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $315.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1114 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Ridge Summit drivers find the best deals.

Cheap Car Insurance Companies in Blue Ridge Summit, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$305	$51
Auto-Owners	$315	$54
American National P&C	$424	$71
Travelers	$458	$77
Westfield	$508	$85
Erie	$666	$112
State Farm	$696	$117
Nationwide	$715	$120
Encompass	$808	$134
Allstate	$877	$148
USAA	$956	$161
Progressive	$1114	$188

Key Takeaways

Way's key takeaways about car insurance in Blue Ridge Summit

The auto insurance costs in Blue Ridge Summit fall around $305 for six months.
The cheapest auto insurance company in Blue Ridge Summit is AutoOwners.
Teen drivers pay the highest rate in Blue Ridge Summit at $520 per month.

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Cheapest Minimum Liability Car Insurance in Blue Ridge Summit

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 Ridge Summit are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Blue Ridge Summit. Their Average 6 Month Premium is $64. Allstate is the most expensive at $409 for the same period.

Cheapest Liability Coverage in Blue Ridge Summit, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$64	$11
Westfield	$119	$20
Auto-Owners Insurance Co	$124	$21
Travelers	$148	$25
Erie	$158	$27
American National P&C	$163	$27
Chubb	$173	$29
State Farm	$207	$35
USAA	$207	$35
Progressive	$222	$37
Nationwide	$256	$42
Allstate	$409	$70

Cheapest Full Coverage Car Insurance in Blue Ridge Summit

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 Ridge Summit is AutoOwners Insurance Co at $51 per month and $305 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Ridge Summit, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$305	$51
Auto-Owners	$315	$54
American National P&C	$424	$71
Travelers	$458	$77
Westfield	$508	$85
Erie	$666	$112
State Farm	$696	$117
Nationwide	$715	$120
Encompass	$808	$134
Allstate	$877	$148
USAA	$956	$161
Progressive	$1114	$188

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Average Car Insurance in Blue Ridge Summit 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 Ridge Summit, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Blue Ridge Summit, 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 Ridge Summit'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 Ridge Summit

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	$468
30s	Travelers	$324
40s	Travelers	$305
50s	Travelers	$291
60s	Travelers	$291
70s	Travelers	$343

Cheapest Car Insurance Rates for Teen Drivers in Blue Ridge Summit,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Blue Ridge Summit at $21 per month. At $3057 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$124	$21
Auto-Owners Insurance Co	$143	$24
American National P&C	$188	$32
Chubb	$207	$35
Travelers	$592	$100
Erie	$725	$122
State Farm	$991	$167
USAA	$1301	$217
Allstate	$2179	$370
Progressive	$3017	$503
Nationwide	$3057	$520

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 Blue Ridge Summit.

As young drivers face the highest rates in Blue Ridge Summit, Travelers offers the cheapest auto insurance rates at $468 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 Blue Ridge Summit, Westfield is the cheapest car insurance provider. At $193 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 Ridge Summit is State Farm, offering rates of around $2648 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$193	$32
Auto-Owners Insurance Co	$198	$33
Chubb	$232	$39
American National P&C	$261	$45
USAA	$749	$125
Nationwide	$759	$128
Erie	$1208	$202
Travelers	$1370	$233
Allstate	$1844	$307
Progressive	$2031	$345
State Farm	$2648	$442

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Car Insurance Rates with An Accident in Blue Ridge Summit

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 Ridge Summit, PA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Blue Ridge Summit include AutoOwners and Westfield, offering $64 and $173, respectively. Allstate is an expensive provider with an average six-month premium of $1124.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$64	$11
Westfield	$173	$29
Donegal	$193	$32
Auto-Owners Insurance Co	$198	$33
Chubb	$232	$39
American National P&C	$237	$40
Erie	$295	$50
Travelers	$355	$60
State Farm	$365	$61
USAA	$646	$109
Progressive	$696	$117
Nationwide	$917	$153
Allstate	$1124	$191

Blue Ridge Summit Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blue Ridge Summit PA. For example, the car insurance in Blue Ridge Summit after a DUI increases to $829 for a six month policy. While the rate increases by $912 for a six-month policy in the case of a speeding ticket.

Blue Ridge Summit auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$912	$152
Cell phone violation	$1065	$181
Failure to wear a seat belt	$1065	$178
Failure to stop at a red light	$1075	$183
Illegal turn	$1075	$179
Improper passing	$1075	$183
Speeding in school zone	$1075	$179
Texting while driving	$1075	$183
Driving with expired registration	$1080	$180
Speeding 16 - 20 MPH over limit	$1080	$183
Wrong way/wrong lane	$1090	$182
Open container	$1154	$196
Reckless driving	$1682	$281
Racing	$1711	$291
DUI	$1741	$290
Driving with a suspended license	$1750	$298
Leaving scene of an accident/hit and run	$1765	$294

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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 Blue Ridge Summit 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 Ridge Summit.

The cheapest car insurance premiums in Blue Ridge Summit are offered by American National P&C at $266 for a six-month policy. However, it can be as expensive as $2066 with companies like Nationwide.

Blue Ridge Summit car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$266	$44
Travelers	$419	$71
Erie	$621	$105
Allstate	$793	$134
Progressive	$838	$141
State Farm	$843	$142
USAA	$882	$149
Nationwide	$2066	$348

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 Ridge Summit are offered by Westfield at $104. However, it can be as expensive as $1336 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Blue Ridge Summit after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$104	$17
Auto-Owners Insurance Co	$133	$22
Erie	$379	$64
Travelers	$379	$64
State Farm	$434	$73
USAA	$838	$143
Allstate	$1124	$188
Progressive	$1193	$203
Nationwide	$1336	$222

Car Insurance Price Trends in Blue Ridge Summit, Pennsylvania

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

The average cost of full coverage in the Blue Ridge Summit rose by $139 in December compared to $134 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Blue Ridge Summit remained steady at $31 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 Blue Ridge Summit?

The car insurance in Blue Ridge Summit is $11 per month, which is lower than the national average.

What is the cheapest car insurance in Blue Ridge Summit?

The cheapest car insurance in Blue Ridge Summit is $51 per month for full coverage.

How much is car insurance in Blue Ridge Summit for teenagers?

Car insurance for teenagers costs $124 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 Ridge Summit?

The average cost of car insurance is $787 for a six-month policy. It will cost around $110 per month to insure your car in Blue Ridge Summit.

Is car insurance expensive in Blue Ridge Summit?

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

Cheapest Car Insurance Quotes in Blue Ridge Summit

Why you can trust Way?

How Much Is Car Insurance in Blue Ridge Summit

Avg. Car Insurance in Blue Ridge Summit

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Blue Ridge Summit

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Blue Ridge Summit Car Insurance Rates by Company

Cheap Car Insurance Companies in Blue Ridge Summit, PA

Way's key takeaways about car insurance in Blue Ridge Summit

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Blue Ridge Summit

Cheapest Liability Coverage in Blue Ridge Summit, PA

Cheapest Full Coverage Car Insurance in Blue Ridge Summit

Cheapest Full Coverage Car Insurance Quotes in Blue Ridge Summit, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Blue Ridge Summit by Rating Factor

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

Car Insurance Premiums by Age in Blue Ridge Summit

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Blue Ridge Summit,PA

If you are in your twenties Travelers is the best choice for car insurance in Blue Ridge Summit.

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 Ridge Summit

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

Blue Ridge Summit Car Insurance Rates by Violation

Blue Ridge Summit auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Blue Ridge Summit after a DUI

Blue Ridge Summit car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Blue Ridge Summit after Speeding ticket

Car Insurance Price Trends in Blue Ridge Summit, Pennsylvania

Average Car Insurance Cost in Blue Ridge Summit by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Blue Ridge Summit, PA

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

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