Cheapest Car Insurance Quotes in Collingdale

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Collingdale Car Insurance

^$ 38

/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 $1293 for a six-month policy, which is $480 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $585, 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

$1293

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Collingdale

1st place: AutoOwners Insurance Co

At $585 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 $812 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $973 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 $585 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $812.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1549 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	$585	$97
American National P&C	$812	$138
Westfield	$973	$162
Travelers	$1048	$176
Erie	$1275	$215
Nationwide	$1483	$250
State Farm	$1511	$254
Allstate	$1681	$283
USAA	$1786	$301
Progressive	$2220	$374
Auto-Owners	$604	$103
Encompass	$1549	$258

Key Takeaways

Way's key takeaways about car insurance in Collingdale

The auto insurance costs in Collingdale fall around $585 for six months.
The cheapest auto insurance company in Collingdale is Westfield.
Teen drivers pay the highest rate in Collingdale at $1156 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.

Westfield provides the cheapest minimum car insurance coverage in Collingdale. Their Average 6 Month Premium is $227. AutoOwners is the most expensive at $122 for the same period.

Cheapest Liability Coverage in Collingdale, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$227	$38
Auto-Owners Insurance Co	$237	$40
Erie	$302	$51
American National P&C	$312	$52
Chubb	$331	$56
Travelers	$350	$59
USAA	$415	$70
State Farm	$434	$73
Nationwide	$557	$94
Progressive	$633	$107
Allstate	$851	$143
Auto-Owners	$122	$21

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 $97 per month and $585 for six months.

Cheapest Full Coverage Car Insurance Quotes in Collingdale, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$585	$97
American National P&C	$812	$138
Westfield	$973	$162
Travelers	$1048	$176
Erie	$1275	$215
Nationwide	$1483	$250
State Farm	$1511	$254
Allstate	$1681	$283
USAA	$1786	$301
Progressive	$2220	$374
Auto-Owners	$604	$103
Encompass	$1549	$258

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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

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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 $40 per month. At $6932 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$237	$40
Auto-Owners Insurance Co	$273	$46
American National P&C	$359	$60
Chubb	$396	$67
Erie	$1625	$273
Travelers	$1870	$315
State Farm	$2692	$453
USAA	$3145	$534
Allstate	$4099	$684
Progressive	$4109	$698
Nationwide	$6932	$1156

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 Collingdale, Westfield is the cheapest car insurance provider. At $369 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 $7537 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$369	$62
Auto-Owners Insurance Co	$378	$64
Chubb	$444	$75
American National P&C	$501	$86
USAA	$1615	$269
Nationwide	$1681	$283
Erie	$2946	$491
Allstate	$3550	$604
Travelers	$3872	$646
Progressive	$4326	$736
State Farm	$7537	$1256

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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 Westfield and AutoOwners Insurance Co, offering $331 and $378, respectively. Donegal is an expensive provider with an average six-month premium of $369.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$331	$56
Auto-Owners Insurance Co	$378	$64
Chubb	$444	$75
American National P&C	$453	$76
Erie	$755	$127
State Farm	$878	$148
Travelers	$1048	$176
USAA	$1359	$229
Nationwide	$2088	$355
Allstate	$2153	$359
Progressive	$2550	$434
Auto-Owners	$122	$21
Donegal	$369	$62

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 $1587 for a six month policy. While the rate increases by $1747 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	$1747	$291
Cell phone violation	$2040	$347
Failure to wear a seat belt	$2040	$340
Failure to stop at a red light	$2059	$350
Illegal turn	$2059	$343
Improper passing	$2059	$350
Speeding in school zone	$2059	$343
Texting while driving	$2059	$350
Driving with expired registration	$2069	$345
Speeding 16 - 20 MPH over limit	$2069	$351
Wrong way/wrong lane	$2088	$348
Open container	$2210	$375
Reckless driving	$3221	$537
Racing	$3277	$557
DUI	$3334	$555
Driving with a suspended license	$3353	$571
Leaving scene of an accident/hit and run	$3382	$563

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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 $510 for a six-month policy. However, it can be as expensive as $4392 with companies like Nationwide.

Collingdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$510	$84
Travelers	$1096	$184
Erie	$1369	$231
Allstate	$1520	$256
Progressive	$1662	$280
State Farm	$1937	$326
USAA	$1946	$328
Nationwide	$4392	$739

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 $199. However, it can be as expensive as $3061 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	$199	$33
Auto-Owners Insurance Co	$254	$43
Erie	$878	$148
State Farm	$1124	$189
Travelers	$1218	$205
USAA	$1805	$301
Allstate	$2153	$366
Progressive	$2589	$431
Nationwide	$3061	$520

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 $291 in January compared to $269 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Collingdale rose to $72 in January, compared to $60 in December. This represents an increase of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Collingdale?

The car insurance in Collingdale is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Collingdale?

The cheapest car insurance in Collingdale is $97 per month for full coverage.

How much is car insurance in Collingdale for teenagers?

Car insurance for teenagers costs $237 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 $813 for a six-month policy. It will cost around $216 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: American National P&C

3rd place: Westfield

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 N/A 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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