Cheapest Car Insurance Quotes in Cairnbrook

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Cairnbrook Car Insurance

^$ 13

/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 Cairnbrook

The car insurance rate in Cairnbrook is $763 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Cairnbrook 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 Cairnbrook

$763

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Cairnbrook

1st place: AutoOwners Insurance Co

At $357 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 $369 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 $496 for six months, making it the third cheapest auto insurance company in Cairnbrook.

Cairnbrook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cairnbrook, PA is AutoOwners Insurance Co, offering policies at just $357 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $369.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1302 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cairnbrook drivers find the best deals.

Cheap Car Insurance Companies in Cairnbrook, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$357	$59
Auto-Owners	$369	$63
American National P&C	$496	$82
Travelers	$535	$90
Westfield	$594	$99
Erie	$778	$131
State Farm	$813	$137
Nationwide	$835	$141
Encompass	$945	$157
Allstate	$1025	$173
USAA	$1117	$188
Progressive	$1302	$219

Key Takeaways

Way's key takeaways about car insurance in Cairnbrook

The auto insurance costs in Cairnbrook fall around $357 for six months.
The cheapest auto insurance company in Cairnbrook is AutoOwners.
Teen drivers pay the highest rate in Cairnbrook at $607 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 Cairnbrook

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 Cairnbrook are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Cairnbrook. Their Average 6 Month Premium is $75. Allstate is the most expensive at $478 for the same period.

Cheapest Liability Coverage in Cairnbrook, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$75	$13
Westfield	$139	$23
Auto-Owners Insurance Co	$145	$24
Travelers	$173	$29
Erie	$184	$31
American National P&C	$190	$32
Chubb	$202	$34
State Farm	$242	$41
USAA	$242	$41
Progressive	$259	$44
Nationwide	$300	$49
Allstate	$478	$81

Cheapest Full Coverage Car Insurance in Cairnbrook

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 Cairnbrook is AutoOwners Insurance Co at $59 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cairnbrook, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$357	$59
Auto-Owners	$369	$63
American National P&C	$496	$82
Travelers	$535	$90
Westfield	$594	$99
Erie	$778	$131
State Farm	$813	$137
Nationwide	$835	$141
Encompass	$945	$157
Allstate	$1025	$173
USAA	$1117	$188
Progressive	$1302	$219

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Average Car Insurance in Cairnbrook 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 Cairnbrook, PA increasing?

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

Car Insurance Premiums by Age in Cairnbrook

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	$547
30s	Travelers	$378
40s	Travelers	$356
50s	Travelers	$340
60s	Travelers	$340
70s	Travelers	$401

Cheapest Car Insurance Rates for Teen Drivers in Cairnbrook,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cairnbrook at $24 per month. At $3573 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
Auto-Owners Insurance Co	$167	$28
American National P&C	$219	$37
Chubb	$242	$41
Travelers	$692	$116
Erie	$847	$143
State Farm	$1158	$195
USAA	$1521	$253
Allstate	$2546	$433
Progressive	$3526	$588
Nationwide	$3573	$607

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 Cairnbrook.

As young drivers face the highest rates in Cairnbrook, Travelers offers the cheapest auto insurance rates at $547 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 Cairnbrook, Westfield is the cheapest car insurance provider. At $225 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 Cairnbrook is State Farm, offering rates of around $3094 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$225	$38
Auto-Owners Insurance Co	$231	$39
Chubb	$271	$46
American National P&C	$306	$52
USAA	$876	$146
Nationwide	$888	$149
Erie	$1411	$236
Travelers	$1601	$273
Allstate	$2155	$359
Progressive	$2374	$404
State Farm	$3094	$516

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Car Insurance Rates with An Accident in Cairnbrook

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cairnbrook

The cheapest car insurance companies after an at-fault accident in Cairnbrook include AutoOwners and Westfield, offering $75 and $202, respectively. Allstate is an expensive provider with an average six-month premium of $1313.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$75	$13
Westfield	$202	$34
Donegal	$225	$38
Auto-Owners Insurance Co	$231	$39
Chubb	$271	$46
American National P&C	$276	$47
Erie	$345	$58
Travelers	$415	$70
State Farm	$427	$72
USAA	$755	$127
Progressive	$813	$137
Nationwide	$1072	$178
Allstate	$1313	$223

Cairnbrook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cairnbrook PA. For example, the car insurance in Cairnbrook after a DUI increases to $968 for a six month policy. While the rate increases by $1066 for a six-month policy in the case of a speeding ticket.

Cairnbrook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1066	$178
Cell phone violation	$1245	$211
Failure to wear a seat belt	$1245	$208
Failure to stop at a red light	$1256	$213
Illegal turn	$1256	$210
Improper passing	$1256	$213
Speeding in school zone	$1256	$210
Texting while driving	$1256	$213
Driving with expired registration	$1262	$210
Speeding 16 - 20 MPH over limit	$1262	$214
Wrong way/wrong lane	$1274	$212
Open container	$1348	$229
Reckless driving	$1965	$328
Racing	$1999	$340
DUI	$2034	$339
Driving with a suspended license	$2046	$348
Leaving scene of an accident/hit and run	$2063	$343

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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 Cairnbrook 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 Cairnbrook.

The cheapest car insurance premiums in Cairnbrook are offered by American National P&C at $311 for a six-month policy. However, it can be as expensive as $2414 with companies like Nationwide.

Cairnbrook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$311	$51
Travelers	$490	$82
Erie	$726	$122
Allstate	$927	$156
Progressive	$980	$165
State Farm	$986	$166
USAA	$1031	$174
Nationwide	$2414	$406

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 Cairnbrook are offered by Westfield at $121. However, it can be as expensive as $1562 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Cairnbrook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
Auto-Owners Insurance Co	$155	$26
Erie	$443	$75
Travelers	$443	$75
State Farm	$507	$85
USAA	$980	$167
Allstate	$1313	$219
Progressive	$1394	$237
Nationwide	$1562	$260

Car Insurance Price Trends in Cairnbrook, Pennsylvania

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

The average cost of full coverage in the Cairnbrook rose by $162 in December compared to $156 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 Cairnbrook remained steady at $36 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 Cairnbrook?

The car insurance in Cairnbrook is $13 per month, which is lower than the national average.

What is the cheapest car insurance in Cairnbrook?

The cheapest car insurance in Cairnbrook is $59 per month for full coverage.

How much is car insurance in Cairnbrook for teenagers?

Car insurance for teenagers costs $145 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 Cairnbrook?

The average cost of car insurance is $787 for a six-month policy. It will cost around $128 per month to insure your car in Cairnbrook.

Is car insurance expensive in Cairnbrook?

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

Cheapest Car Insurance Quotes in Cairnbrook

Why you can trust Way?

How Much Is Car Insurance in Cairnbrook

Avg. Car Insurance in Cairnbrook

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Cairnbrook

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Cairnbrook Car Insurance Rates by Company

Cheap Car Insurance Companies in Cairnbrook, PA

Way's key takeaways about car insurance in Cairnbrook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cairnbrook

Cheapest Liability Coverage in Cairnbrook, PA

Cheapest Full Coverage Car Insurance in Cairnbrook

Cheapest Full Coverage Car Insurance Quotes in Cairnbrook, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cairnbrook by Rating Factor

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

Car Insurance Premiums by Age in Cairnbrook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cairnbrook,PA

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

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 Cairnbrook

Cheapest Car Insurance Companies after an At-Fault Accident in Cairnbrook

Cairnbrook Car Insurance Rates by Violation

Cairnbrook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cairnbrook after a DUI

Cairnbrook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cairnbrook after Speeding ticket

Car Insurance Price Trends in Cairnbrook, Pennsylvania

Average Car Insurance Cost in Cairnbrook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cairnbrook, PA

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

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Data Sources