Cheapest Car Insurance Quotes in Collingdale

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Collingdale 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 Collingdale

The car insurance rate in Collingdale is $1236 for a six-month policy, which is $449 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $578, making it a popular choice for budget-conscious drivers. Rates in Collingdale 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 Collingdale

$1236

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Collingdale

1st place: AutoOwners Insurance Co

At $578 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 $597 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 $802 for six months, making it the third cheapest auto insurance company in Collingdale.

Collingdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Collingdale, PA is AutoOwners Insurance Co, offering policies at just $578 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $597.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $2107 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Collingdale drivers find the best deals.

Cheap Car Insurance Companies in Collingdale, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$578	$96
Auto-Owners	$597	$102
American National P&C	$802	$133
Travelers	$867	$146
Westfield	$961	$160
Erie	$1259	$212
State Farm	$1316	$221
Nationwide	$1352	$228
Encompass	$1529	$254
Allstate	$1659	$279
USAA	$1809	$305
Progressive	$2107	$355

Key Takeaways

Way's key takeaways about car insurance in Collingdale

The auto insurance costs in Collingdale fall around $578 for six months.
The cheapest auto insurance company in Collingdale is AutoOwners.
Teen drivers pay the highest rate in Collingdale at $983 per month.

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Cheapest Minimum Liability Car Insurance in Collingdale

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 Collingdale are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Collingdale. Their Average 6 Month Premium is $121. Allstate is the most expensive at $774 for the same period.

Cheapest Liability Coverage in Collingdale, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$121	$20
Westfield	$225	$38
Auto-Owners Insurance Co	$234	$39
Travelers	$279	$47
Erie	$298	$50
American National P&C	$308	$52
Chubb	$327	$55
State Farm	$391	$66
USAA	$391	$66
Progressive	$419	$71
Nationwide	$485	$80
Allstate	$774	$132

Cheapest Full Coverage Car Insurance in Collingdale

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 Collingdale is AutoOwners Insurance Co at $96 per month and $578 for six months.

Cheapest Full Coverage Car Insurance Quotes in Collingdale, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$578	$96
Auto-Owners	$597	$102
American National P&C	$802	$133
Travelers	$867	$146
Westfield	$961	$160
Erie	$1259	$212
State Farm	$1316	$221
Nationwide	$1352	$228
Encompass	$1529	$254
Allstate	$1659	$279
USAA	$1809	$305
Progressive	$2107	$355

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Average Car Insurance in Collingdale 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 Collingdale, PA increasing?

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

Car Insurance Premiums by Age in Collingdale

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	$885
30s	Travelers	$612
40s	Travelers	$576
50s	Travelers	$551
60s	Travelers	$551
70s	Travelers	$648

Cheapest Car Insurance Rates for Teen Drivers in Collingdale,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Collingdale at $39 per month. At $5782 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$234	$39
Auto-Owners Insurance Co	$270	$46
American National P&C	$355	$60
Chubb	$391	$66
Travelers	$1119	$188
Erie	$1371	$231
State Farm	$1875	$316
USAA	$2462	$410
Allstate	$4121	$700
Progressive	$5707	$951
Nationwide	$5782	$983

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 Collingdale.

As young drivers face the highest rates in Collingdale, Travelers offers the cheapest auto insurance rates at $885 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 Collingdale, Westfield is the cheapest car insurance provider. At $364 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 Collingdale is State Farm, offering rates of around $5008 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$364	$61
Auto-Owners Insurance Co	$374	$63
Chubb	$438	$74
American National P&C	$495	$85
USAA	$1418	$236
Nationwide	$1437	$242
Erie	$2284	$382
Travelers	$2592	$441
Allstate	$3489	$581
Progressive	$3842	$653
State Farm	$5008	$835

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Car Insurance Rates with An Accident in Collingdale

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

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

The cheapest car insurance companies after an at-fault accident in Collingdale include AutoOwners and Westfield, offering $121 and $327, respectively. Allstate is an expensive provider with an average six-month premium of $2126.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$121	$20
Westfield	$327	$55
Donegal	$364	$61
Auto-Owners Insurance Co	$374	$63
Chubb	$438	$74
American National P&C	$447	$75
Erie	$559	$94
Travelers	$672	$113
State Farm	$691	$116
USAA	$1221	$206
Progressive	$1316	$221
Nationwide	$1735	$289
Allstate	$2126	$361

Collingdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Collingdale PA. For example, the car insurance in Collingdale after a DUI increases to $1567 for a six month policy. While the rate increases by $1725 for a six-month policy in the case of a speeding ticket.

Collingdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1725	$287
Cell phone violation	$2014	$342
Failure to wear a seat belt	$2014	$336
Failure to stop at a red light	$2033	$345
Illegal turn	$2033	$339
Improper passing	$2033	$345
Speeding in school zone	$2033	$339
Texting while driving	$2033	$345
Driving with expired registration	$2043	$341
Speeding 16 - 20 MPH over limit	$2043	$347
Wrong way/wrong lane	$2061	$344
Open container	$2182	$371
Reckless driving	$3181	$531
Racing	$3236	$550
DUI	$3292	$548
Driving with a suspended license	$3311	$564
Leaving scene of an accident/hit and run	$3339	$556

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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 Collingdale 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 Collingdale.

The cheapest car insurance premiums in Collingdale are offered by American National P&C at $504 for a six-month policy. However, it can be as expensive as $3908 with companies like Nationwide.

Collingdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$504	$83
Travelers	$793	$133
Erie	$1174	$198
Allstate	$1501	$253
Progressive	$1586	$267
State Farm	$1595	$268
USAA	$1669	$281
Nationwide	$3908	$658

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 Collingdale are offered by Westfield at $196. However, it can be as expensive as $2528 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Collingdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Auto-Owners Insurance Co	$251	$42
Erie	$717	$121
Travelers	$717	$121
State Farm	$821	$138
USAA	$1586	$270
Allstate	$2126	$355
Progressive	$2256	$383
Nationwide	$2528	$421

Car Insurance Price Trends in Collingdale, Pennsylvania

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

The average cost of full coverage in the Collingdale rose by $262 in December compared to $253 of November. In other words, there has been an increase by $9 when you compare December and November.

The average cost of liability insurance in the Collingdale remained steady at $58 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 Collingdale?

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

What is the cheapest car insurance in Collingdale?

The cheapest car insurance in Collingdale is $96 per month for full coverage.

How much is car insurance in Collingdale for teenagers?

Car insurance for teenagers costs $234 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 Collingdale?

The average cost of car insurance is $787 for a six-month policy. It will cost around $207 per month to insure your car in Collingdale.

Is car insurance expensive in Collingdale?

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

Cheapest Car Insurance Quotes in Collingdale

Why you can trust Way?

How Much Is Car Insurance in Collingdale

Avg. Car Insurance in Collingdale

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Collingdale

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Collingdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Collingdale, PA

Way's key takeaways about car insurance in Collingdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Collingdale

Cheapest Liability Coverage in Collingdale, PA

Cheapest Full Coverage Car Insurance in Collingdale

Cheapest Full Coverage Car Insurance Quotes in Collingdale, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Collingdale by Rating Factor

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

Car Insurance Premiums by Age in Collingdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Collingdale,PA

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

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 Collingdale

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

Collingdale Car Insurance Rates by Violation

Collingdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Collingdale after a DUI

Collingdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Collingdale after Speeding ticket

Car Insurance Price Trends in Collingdale, Pennsylvania

Average Car Insurance Cost in Collingdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Collingdale, PA

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

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