Cheapest Car Insurance Quotes in Churchill

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401,895 Policies Sold

Churchill 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 Churchill

The car insurance rate in Churchill is $872 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Churchill 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 Churchill

$872

Avg. Car Insurance in Pennsylvania

$779

National Average

$1140

Cheapest Car Insurance Companies in Churchill

1st place: AutoOwners Insurance Co

At $412 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 $572 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $618 for six months, making it the third cheapest auto insurance company in Churchill.

Churchill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Churchill, PA is AutoOwners Insurance Co, offering policies at just $412 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $572.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1091 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Churchill drivers find the best deals.

Cheap Car Insurance Companies in Churchill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$68
American National P&C	$572	$97
Travelers	$618	$104
Westfield	$685	$116
Erie	$851	$143
State Farm	$939	$158
Nationwide	$991	$167
Allstate	$1184	$199
USAA	$1197	$202
Progressive	$1503	$253
Auto-Owners	$426	$73
Encompass	$1091	$181

Key Takeaways

Way's key takeaways about car insurance in Churchill

The auto insurance costs in Churchill fall around $412 for six months.
The cheapest auto insurance company in Churchill is Westfield.
Teen drivers pay the highest rate in Churchill at $688 per month.

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Cheapest Minimum Liability Car Insurance in Churchill

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 Churchill are given below.

Westfield provides the cheapest minimum car insurance coverage in Churchill. Their Average 6 Month Premium is $160. AutoOwners is the most expensive at $86 for the same period.

Cheapest Liability Coverage in Churchill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
Auto-Owners Insurance Co	$167	$28
Travelers	$199	$34
Erie	$213	$36
American National P&C	$220	$37
Chubb	$233	$39
State Farm	$279	$47
USAA	$299	$50
Progressive	$339	$56
Nationwide	$346	$59
Allstate	$552	$92
Auto-Owners	$86	$15

Cheapest Full Coverage Car Insurance in Churchill

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 Churchill is AutoOwners Insurance Co at $68 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Churchill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$68
American National P&C	$572	$97
Travelers	$618	$104
Westfield	$685	$116
Erie	$851	$143
State Farm	$939	$158
Nationwide	$991	$167
Allstate	$1184	$199
USAA	$1197	$202
Progressive	$1503	$253
Auto-Owners	$426	$73
Encompass	$1091	$181

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Average Car Insurance in Churchill 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 Churchill, PA increasing?

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

Car Insurance Premiums by Age in Churchill

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	$632
30s	Travelers	$437
40s	Travelers	$411
50s	Travelers	$393
60s	Travelers	$393
70s	Travelers	$463

Cheapest Car Insurance Rates for Teen Drivers in Churchill,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Churchill at $28 per month. At $4125 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
Auto-Owners Insurance Co	$193	$32
American National P&C	$253	$43
Chubb	$279	$47
Travelers	$799	$134
Erie	$978	$165
State Farm	$1337	$225
USAA	$1756	$299
Allstate	$2940	$491
Progressive	$4071	$692
Nationwide	$4125	$688

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 Churchill.

As young drivers face the highest rates in Churchill, Travelers offers the cheapest auto insurance rates at $632 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 Churchill, Westfield is the cheapest car insurance provider. At $260 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 Churchill is State Farm, offering rates of around $3573 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$260	$44
Auto-Owners Insurance Co	$267	$45
Chubb	$312	$53
American National P&C	$353	$60
USAA	$1011	$168
Nationwide	$1025	$172
Erie	$1630	$272
Travelers	$1849	$315
Allstate	$2489	$414
Progressive	$2741	$466
State Farm	$3573	$596

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

Car Insurance Rates with An Accident in Churchill

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

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

The cheapest car insurance companies after an at-fault accident in Churchill include Westfield and AutoOwners Insurance Co, offering $233 and $267, respectively. Donegal is an expensive provider with an average six-month premium of $260.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$233	$39
Auto-Owners Insurance Co	$267	$45
Chubb	$312	$53
American National P&C	$319	$54
Erie	$459	$77
Travelers	$479	$81
State Farm	$493	$83
USAA	$871	$147
Nationwide	$1238	$211
Allstate	$1516	$253
Progressive	$1609	$273
Auto-Owners	$86	$15
Donegal	$260	$44

Churchill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Churchill PA. For example, the car insurance in Churchill after a DUI increases to $1118 for a six month policy. While the rate increases by $1231 for a six-month policy in the case of a speeding ticket.

Churchill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1231	$205
Cell phone violation	$1437	$244
Failure to wear a seat belt	$1437	$240
Failure to stop at a red light	$1450	$246
Illegal turn	$1450	$242
Improper passing	$1450	$246
Speeding in school zone	$1450	$242
Texting while driving	$1450	$246
Driving with expired registration	$1457	$243
Speeding 16 - 20 MPH over limit	$1457	$248
Wrong way/wrong lane	$1471	$245
Open container	$1557	$264
Reckless driving	$2269	$379
Racing	$2308	$392
DUI	$2349	$391
Driving with a suspended license	$2362	$402
Leaving scene of an accident/hit and run	$2382	$396

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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 Churchill 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 Churchill.

The cheapest car insurance premiums in Churchill are offered by American National P&C at $360 for a six-month policy. However, it can be as expensive as $2788 with companies like Nationwide.

Churchill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$360	$59
Travelers	$566	$95
Erie	$838	$141
Allstate	$1071	$180
Progressive	$1131	$190
State Farm	$1138	$192
USAA	$1191	$200
Nationwide	$2788	$469

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 Churchill are offered by Westfield at $140. However, it can be as expensive as $1803 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Churchill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$140	$24
Auto-Owners Insurance Co	$179	$30
Erie	$512	$86
Travelers	$512	$86
State Farm	$586	$99
USAA	$1131	$188
Allstate	$1516	$258
Progressive	$1609	$269
Nationwide	$1803	$307

Car Insurance Price Trends in Churchill, Pennsylvania

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

The average cost of full coverage in the Churchill rose by $189 in December compared to $187 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Churchill rose to $43 in December, compared to $41 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Churchill?

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

What is the cheapest car insurance in Churchill?

The cheapest car insurance in Churchill is $68 per month for full coverage.

How much is car insurance in Churchill for teenagers?

Car insurance for teenagers costs $167 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 Churchill?

The average cost of car insurance is $779 for a six-month policy. It will cost around $147 per month to insure your car in Churchill.

Is car insurance expensive in Churchill?

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

Cheapest Car Insurance Quotes in Churchill

Why you can trust Way?

How Much Is Car Insurance in Churchill

Avg. Car Insurance in Churchill

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Churchill

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Travelers

Churchill Car Insurance Rates by Company

Cheap Car Insurance Companies in Churchill, PA

Way's key takeaways about car insurance in Churchill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Churchill

Cheapest Liability Coverage in Churchill, PA

Cheapest Full Coverage Car Insurance in Churchill

Cheapest Full Coverage Car Insurance Quotes in Churchill, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Churchill by Rating Factor

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

Car Insurance Premiums by Age in Churchill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Churchill,PA

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

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 Churchill

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

Churchill Car Insurance Rates by Violation

Churchill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Churchill after a DUI

Churchill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Churchill after Speeding ticket

Car Insurance Price Trends in Churchill, Pennsylvania

Average Car Insurance Cost in Churchill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Churchill, PA

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

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Data Sources