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Finding the cheapest car insurance quotes in Cherry Tree 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.
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 Cherry Tree
The car insurance rate in Cherry Tree is $850 for a six-month policy, which is $63 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Cherry Tree 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.
At $397 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 $410 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 $552
for six months, making it
the third cheapest auto insurance company in Cherry Tree.
Cherry Tree Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cherry Tree, PA is AutoOwners Insurance Co, offering policies at just $397 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $410.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1449 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cherry Tree drivers find the best deals.
Way's key takeaways about car insurance in Cherry Tree
The auto insurance costs in Cherry Tree fall around $397 for six
months.
The cheapest auto insurance company in Cherry Tree is AutoOwners.
Teen drivers pay the highest rate in Cherry Tree at $676 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 Cherry Tree
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 Cherry Tree are given below.
AutoOwners provides
the cheapest minimum car insurance
coverage in Cherry Tree. Their Average 6 Month Premium is $83.
Allstate is the most
expensive at $532 for the same
period.
Cheapest Full Coverage Car Insurance in Cherry Tree
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 Cherry Tree is AutoOwners Insurance Co
at $66 per month and $397
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cherry Tree,
PA
Get Your Car Insurance Quote in Cherry Tree
Instantly!
Average Car Insurance in Cherry Tree 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 Cherry Tree, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cherry Tree, 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, Cherry Tree's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cherry Tree
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
$609
30s
Travelers
$421
40s
Travelers
$396
50s
Travelers
$379
60s
Travelers
$379
70s
Travelers
$446
Cheapest Car Insurance Rates for Teen Drivers in
Cherry Tree,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Cherry Tree at $27
per
month. At $3978 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Cherry Tree.
As young drivers face the highest rates in Cherry Tree, Travelers
offers the cheapest auto insurance rates at $609 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 Cherry Tree,
Westfield is
the cheapest car insurance provider. At $251 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
Cherry Tree is State Farm, offering
rates of around $3445 for six
months.
Save up to $971/yr on car insurance rates in Cherry Tree.
Car Insurance Rates with An Accident in Cherry Tree
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 Cherry Tree, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cherry Tree
The cheapest car insurance companies after an at-fault accident in
Cherry Tree include AutoOwners
and Westfield, offering $83
and $225,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1462.
Here is a list of driving violations that can increase your car
insurance rates in Cherry Tree PA. For example, the car
insurance in Cherry Tree
after a DUI increases to $1078 for a six
month policy. While the rate increases by $1187 for a six-month policy in the case of
a speeding ticket.
Cherry Tree auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1187
$198
Cell phone violation
$1386
$235
Failure to wear a seat belt
$1386
$231
Failure to stop at a red light
$1399
$238
Illegal turn
$1399
$233
Improper passing
$1399
$238
Speeding in school zone
$1399
$233
Texting while driving
$1399
$238
Driving with expired registration
$1405
$234
Speeding 16 - 20 MPH over limit
$1405
$239
Wrong way/wrong lane
$1418
$237
Open container
$1501
$255
Reckless driving
$2188
$365
Racing
$2226
$378
DUI
$2265
$377
Driving with a suspended license
$2278
$388
Leaving scene of an accident/hit and run
$2297
$382
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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 Cherry Tree 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 Cherry Tree.
The cheapest car insurance premiums in
Cherry Tree are
offered by American National P&C at $347 for a six-month policy.
However, it can be as
expensive as $2688 with companies
like Nationwide.
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 Cherry Tree are offered by Westfield
at $135. However,
it can be as expensive as $1739
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Cherry Tree after Speeding ticket
Car Insurance Price Trends in Cherry Tree,
Pennsylvania
Car insurance rates in Cherry Tree have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cherry Tree rose by
$180 in December
compared to $174 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 Cherry Tree remained steady at $40 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Cherry Tree by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cherry Tree. At $1699 for a
six-month policy, insuring
your car at 15724 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cherry Tree?
The car insurance in Cherry Tree is $14 per month, which is lower than the national average.
What is the cheapest car insurance in Cherry Tree?
The cheapest car insurance in Cherry Tree
is $66 per month
for full coverage.
How much is car insurance in Cherry Tree for teenagers?
Car insurance for teenagers costs $161 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
Cherry Tree?
The average cost of car insurance is $787 for a six-month
policy. It will cost around $143 per month to insure your
car in Cherry Tree.
Is car insurance expensive in Cherry Tree?
Car insurance can be expensive in Cherry Tree if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cherry Tree can be
affordable.
What is the best car insurance in Cherry Tree,
PA?
The best car insurance company in Cherry Tree
PA is
AutoOwners Insurance Co, offering $397 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cherry Tree, PA
Car Insurance Rates by State in the USA (2025 Update)
Cherry Tree Car Insurance
