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Collegeville Car Insurance
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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.
The car insurance rate in the Collegeville is $775, which is $37 higher than the state average. AutoOwners Insurance Co offers the cheapest insurance rates in the city at $386 for a six-month policy.
$775
$738
$1146
At $386 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
AutoOwners offers auto insurance rates at $399 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $480 for six months, making it the third cheapest auto insurance company in Collegeville.
Based on our research, the cheapest car insurance companies in Collegeville PA include AutoOwners Insurance Co, offering $386 for a six-month policy. This is followed by AutoOwners, with an average six-month premium of $399. Progressive is the most expensive, at $1303.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $386 | $66 |
| Auto-Owners | $399 | $66 |
| Travelers | $480 | $81 |
| American National P&C | $537 | $89 |
| Westfield | $643 | $109 |
| Erie | $711 | $120 |
| State Farm | $736 | $124 |
| Nationwide | $742 | $125 |
| USAA | $1010 | $170 |
| Encompass | $1023 | $170 |
| USAA | $1023 | $172 |
| Allstate | $1086 | $183 |
| Progressive | $1303 | $219 |
Save up to $971/yr with our auto insurance quotes
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 Collegeville are given below.
AutoOwners provides the cheapest minimum car insurance coverage in Collegeville. Their Average 6 Month Premium is $75. Allstate is the most expensive at $511 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $75 | $13 |
| Westfield | $119 | $20 |
| Auto-Owners Insurance Co | $156 | $26 |
| Travelers | $168 | $28 |
| Chubb | $187 | $32 |
| American National P&C | $206 | $35 |
| Erie | $206 | $35 |
| Donegal | $225 | $38 |
| State Farm | $256 | $43 |
| USAA | $261 | $44 |
| Progressive | $306 | $51 |
| Nationwide | $324 | $56 |
| Allstate | $511 | $85 |
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 Collegeville is AutoOwners Insurance Co at $66 per month and $386 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $386 | $66 |
| Auto-Owners | $399 | $66 |
| Travelers | $480 | $81 |
| American National P&C | $537 | $89 |
| Westfield | $643 | $109 |
| Erie | $711 | $120 |
| State Farm | $736 | $124 |
| Nationwide | $742 | $125 |
| USAA | $1010 | $170 |
| Encompass | $1023 | $170 |
| USAA | $1023 | $172 |
| Allstate | $1086 | $183 |
| Progressive | $1303 | $219 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Collegeville, 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, Collegeville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Travelers | $592 |
| 30s | Travelers | $410 |
| 40s | Travelers | $385 |
| 50s | Travelers | $369 |
| 60s | Travelers | $369 |
| 70s | Travelers | $434 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Collegeville at $26 per month. At $3910 for a six-month premium, Progressive offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $156 | $26 |
| Auto-Owners Insurance Co | $181 | $30 |
| American National P&C | $237 | $40 |
| Chubb | $261 | $44 |
| Travelers | $861 | $145 |
| Erie | $1292 | $217 |
| State Farm | $2295 | $386 |
| USAA | $2395 | $403 |
| Allstate | $2751 | $463 |
| Nationwide | $3074 | $518 |
| Progressive | $3910 | $658 |
Teen Car Insurance Rates in PA by Age
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.
For those with poor credit scores in Collegeville, Westfield is the cheapest car insurance provider. At $244 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 Collegeville is State Farm, offering rates of around $3350 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $244 | $41 |
| Auto-Owners Insurance Co | $250 | $42 |
| Chubb | $293 | $49 |
| American National P&C | $331 | $55 |
| Nationwide | $337 | $58 |
| USAA | $948 | $162 |
| Erie | $1528 | $259 |
| Travelers | $1734 | $289 |
| Allstate | $2333 | $397 |
| Progressive | $2569 | $428 |
| State Farm | $3350 | $569 |
Save up to $971/yr on car insurance rates in Collegeville.
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 Collegeville, PA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Collegeville include AutoOwners and Westfield, offering $75 and $218, respectively. Allstate is an expensive provider with an average six-month premium of $1422.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $75 | $13 |
| Westfield | $218 | $37 |
| Auto-Owners Insurance Co | $250 | $42 |
| Donegal | $287 | $48 |
| Chubb | $293 | $49 |
| American National P&C | $299 | $50 |
| Erie | $374 | $63 |
| Travelers | $449 | $76 |
| State Farm | $468 | $79 |
| Nationwide | $723 | $122 |
| USAA | $817 | $138 |
| Progressive | $880 | $148 |
| Allstate | $1422 | $237 |
Here is a list of driving violations that can increase your car insurance rates in Collegeville PA. For example, the car insurance in Collegeville after a DUI increases to $998 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1179 | $196 |
| One Med/PIP claim | $1179 | $201 |
| Two Med/PIP claims | $1222 | $204 |
| Not-at-fault accident | $1260 | $214 |
| One comp claim | $1273 | $212 |
| At-fault accident - $1000-$2000 | $1303 | $222 |
| At-fault accident - less than $1000 | $1303 | $217 |
| Child safety restraint | $1328 | $226 |
| Failure to wear a seat belt | $1328 | $222 |
| Cell phone violation | $1335 | $227 |
| Following too closely | $1347 | $225 |
| Illegal turn | $1347 | $229 |
| Improper passing | $1347 | $225 |
| Texting while driving | $1347 | $229 |
| Driving without lights | $1353 | $226 |
| Passing school bus | $1353 | $230 |
| Speeding 6 - 10 MPH over limit | $1360 | $227 |
| Driving too slowly | $1366 | $232 |
| Failure to stop at a red light | $1366 | $228 |
| Failure to yield | $1366 | $232 |
| Speeding 11 - 15 MPH over limit | $1366 | $228 |
| Two comp claims | $1372 | $233 |
| Failure to show documents | $1379 | $230 |
| Speeding 16 - 20 MPH over limit | $1379 | $234 |
| Speeding in school zone | $1385 | $231 |
| Wrong way/wrong lane | $1385 | $235 |
| Driving with expired registration | $1391 | $232 |
| Speeding 21 - 25 MPH over limit | $1398 | $237 |
| In 65 MPH zone | $1428 | $238 |
| Open container | $1547 | $263 |
| Operating a vehicle without permission | $1591 | $265 |
| At-fault accident - greater than $2000 | $1809 | $308 |
| Racing | $2133 | $356 |
| Reckless driving | $2139 | $363 |
| Refusal to submit to a chemical test | $2158 | $360 |
| DUI | $2177 | $370 |
| Driving with a suspended license | $2183 | $364 |
| Leaving scene of an accident/hit and run | $2202 | $375 |
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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.
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 Collegeville.
The cheapest car insurance premiums in Collegeville are offered by American National P&C at $337 for a six-month policy. However, it can be as expensive as $2613 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $337 | $58 |
| Travelers | $530 | $89 |
| Erie | $785 | $132 |
| Allstate | $1004 | $169 |
| Progressive | $1073 | $181 |
| State Farm | $1073 | $181 |
| USAA | $1116 | $188 |
| Safe Auto | $1197 | $202 |
| Nationwide | $2613 | $440 |
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 Collegeville are offered by Westfield at $131. However, it can be as expensive as $1691 with companies like Nationwide for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $131 | $22 |
| Auto-Owners Insurance Co | $168 | $28 |
| Travelers | $193 | $33 |
| Erie | $225 | $38 |
| State Farm | $261 | $44 |
| USAA | $1061 | $176 |
| Allstate | $1422 | $242 |
| Progressive | $1509 | $252 |
| Nationwide | $1691 | $288 |
Car insurance rates in Collegeville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Collegeville dipped by $161 in August compared to $170 of July. In other words, there has been an decrease by $9 when you compare August and July.
The average cost of liability insurance in the Collegeville rose to $39 in August, compared to $37 in July. This represents an increase of $2 when comparing August and July.
How much is car insurance in Collegeville?
The car insurance in Collegeville is $13 per month, which is lower than the national average.
What is the cheapest car insurance in Collegeville?
The cheapest car insurance in Collegeville is $66 per month for full coverage.
How much is car insurance in Collegeville for teenagers?
Car insurance for teenagers costs $156 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 Collegeville?
The average cost of car insurance is $738 for a six-month policy. It will cost around $130 per month to insure your car in Collegeville.
Is car insurance expensive in Collegeville?
Car insurance can be expensive in Collegeville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Collegeville can be affordable.
What is the best car insurance in Collegeville, PA?
The best car insurance company in Collegeville PA is AutoOwners Insurance Co, offering $386 for a six-month policy.
Cut auto insurance costs in Collegeville right now.