Cheapest Car Insurance Quotes in Carroll Valley

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Carroll Valley Car Insurance

^$ 20

/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 Carroll Valley

The car insurance rate in Carroll Valley is $675 for a six-month policy, which is $138 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 Carroll Valley 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 Carroll Valley

$675

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Carroll Valley

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: American National P&C

American National P&C offers auto insurance rates at $424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $508 for six months, making it the third cheapest auto insurance company in Carroll Valley.

Carroll Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carroll Valley, PA is AutoOwners Insurance Co, offering policies at just $305 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $424.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $808 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carroll Valley drivers find the best deals.

Cheap Car Insurance Companies in Carroll Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$305	$51
American National P&C	$424	$72
Westfield	$508	$85
Travelers	$547	$92
Erie	$666	$112
Nationwide	$774	$130
State Farm	$789	$133
Allstate	$877	$148
USAA	$932	$157
Progressive	$1159	$195
Auto-Owners	$315	$54
Encompass	$808	$134

Key Takeaways

Way's key takeaways about car insurance in Carroll Valley

The auto insurance costs in Carroll Valley fall around $305 for six months.
The cheapest auto insurance company in Carroll Valley is Westfield.
Teen drivers pay the highest rate in Carroll Valley at $603 per month.

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Cheapest Minimum Liability Car Insurance in Carroll Valley

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 Carroll Valley are given below.

Westfield provides the cheapest minimum car insurance coverage in Carroll Valley. Their Average 6 Month Premium is $119. AutoOwners is the most expensive at $64 for the same period.

Cheapest Liability Coverage in Carroll Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
Auto-Owners Insurance Co	$124	$21
Erie	$158	$27
American National P&C	$163	$27
Chubb	$173	$29
Travelers	$183	$31
USAA	$217	$37
State Farm	$227	$38
Nationwide	$291	$49
Progressive	$330	$56
Allstate	$444	$75
Auto-Owners	$64	$11

Cheapest Full Coverage Car Insurance in Carroll Valley

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 Carroll Valley is AutoOwners Insurance Co at $51 per month and $305 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carroll Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$305	$51
American National P&C	$424	$72
Westfield	$508	$85
Travelers	$547	$92
Erie	$666	$112
Nationwide	$774	$130
State Farm	$789	$133
Allstate	$877	$148
USAA	$932	$157
Progressive	$1159	$195
Auto-Owners	$315	$54
Encompass	$808	$134

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Average Car Insurance in Carroll Valley 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 Carroll Valley, PA increasing?

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

Car Insurance Premiums by Age in Carroll Valley

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 Carroll Valley,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Carroll Valley at $21 per month. At $3619 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
Erie	$848	$143
Travelers	$976	$164
State Farm	$1405	$237
USAA	$1642	$279
Allstate	$2140	$357
Progressive	$2145	$364
Nationwide	$3619	$603

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 Carroll Valley, 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 Carroll Valley is State Farm, offering rates of around $3934 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	$843	$140
Nationwide	$877	$148
Erie	$1538	$256
Allstate	$1853	$315
Travelers	$2021	$337
Progressive	$2258	$384
State Farm	$3934	$656

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Save up to $971/yr on car insurance rates in Carroll Valley.

Car Insurance Rates with An Accident in Carroll Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Carroll Valley

The cheapest car insurance companies after an at-fault accident in Carroll Valley include Westfield and AutoOwners Insurance Co, offering $173 and $198, respectively. Donegal is an expensive provider with an average six-month premium of $193.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Auto-Owners Insurance Co	$198	$33
Chubb	$232	$39
American National P&C	$237	$40
Erie	$394	$66
State Farm	$458	$77
Travelers	$547	$92
USAA	$710	$120
Nationwide	$1090	$185
Allstate	$1124	$188
Progressive	$1331	$227
Auto-Owners	$64	$11
Donegal	$193	$32

Carroll Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carroll Valley PA. For example, the car insurance in Carroll Valley 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.

Carroll Valley 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 Carroll Valley 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 Carroll Valley.

The cheapest car insurance premiums in Carroll Valley are offered by American National P&C at $266 for a six-month policy. However, it can be as expensive as $2292 with companies like Nationwide.

Carroll Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$266	$44
Travelers	$572	$96
Erie	$715	$120
Allstate	$793	$134
Progressive	$867	$146
State Farm	$1011	$170
USAA	$1016	$171
Nationwide	$2292	$386

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 Carroll Valley are offered by Westfield at $104. However, it can be as expensive as $1598 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Carroll Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$104	$17
Auto-Owners Insurance Co	$133	$22
Erie	$458	$77
State Farm	$587	$99
Travelers	$636	$107
USAA	$942	$157
Allstate	$1124	$191
Progressive	$1351	$225
Nationwide	$1598	$271

Car Insurance Price Trends in Carroll Valley, Pennsylvania

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

The average cost of full coverage in the Carroll Valley rose by $152 in January compared to $140 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Carroll Valley rose to $37 in January, compared to $32 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Carroll Valley?

The car insurance in Carroll Valley is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Carroll Valley?

The cheapest car insurance in Carroll Valley is $51 per month for full coverage.

How much is car insurance in Carroll Valley 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 Carroll Valley?

The average cost of car insurance is $813 for a six-month policy. It will cost around $113 per month to insure your car in Carroll Valley.

Is car insurance expensive in Carroll Valley?

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

Cheapest Car Insurance Quotes in Carroll Valley

Why you can trust Way?

How Much Is Car Insurance in Carroll Valley

Avg. Car Insurance in Carroll Valley

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Carroll Valley

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Carroll Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Carroll Valley, PA

Way's key takeaways about car insurance in Carroll Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carroll Valley

Cheapest Liability Coverage in Carroll Valley, PA

Cheapest Full Coverage Car Insurance in Carroll Valley

Cheapest Full Coverage Car Insurance Quotes in Carroll Valley, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carroll Valley by Rating Factor

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

Car Insurance Premiums by Age in Carroll Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carroll Valley,PA

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

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 Carroll Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Carroll Valley

Carroll Valley Car Insurance Rates by Violation

Carroll Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carroll Valley after a DUI

Carroll Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carroll Valley after Speeding ticket

Car Insurance Price Trends in Carroll Valley, Pennsylvania

Average Car Insurance Cost in Carroll Valley by ZIP Code

Frequently Asked Questions

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