Cheapest Car Insurance Quotes in Colwyn

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Colwyn Car Insurance

^$ 21

/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 Colwyn

The car insurance rate in Colwyn is $1291 for a six-month policy, which is $504 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $604, making it a popular choice for budget-conscious drivers. Rates in Colwyn 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 Colwyn

$1291

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Colwyn

1st place: AutoOwners Insurance Co

At $604 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 $623 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 $838 for six months, making it the third cheapest auto insurance company in Colwyn.

Colwyn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colwyn, PA is AutoOwners Insurance Co, offering policies at just $604 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $623.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $2201 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colwyn drivers find the best deals.

Cheap Car Insurance Companies in Colwyn, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$604	$100
Auto-Owners	$623	$107
American National P&C	$838	$139
Travelers	$905	$153
Westfield	$1004	$167
Erie	$1315	$221
State Farm	$1374	$231
Nationwide	$1412	$238
Encompass	$1597	$266
Allstate	$1733	$292
USAA	$1889	$318
Progressive	$2201	$371

Key Takeaways

Way's key takeaways about car insurance in Colwyn

The auto insurance costs in Colwyn fall around $604 for six months.
The cheapest auto insurance company in Colwyn is AutoOwners.
Teen drivers pay the highest rate in Colwyn at $1027 per month.

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Cheapest Minimum Liability Car Insurance in Colwyn

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 Colwyn are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Colwyn. Their Average 6 Month Premium is $126. Allstate is the most expensive at $809 for the same period.

Cheapest Liability Coverage in Colwyn, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$126	$21
Westfield	$235	$39
Auto-Owners Insurance Co	$244	$41
Travelers	$292	$49
Erie	$312	$52
American National P&C	$321	$54
Chubb	$341	$57
State Farm	$408	$69
USAA	$408	$69
Progressive	$438	$74
Nationwide	$507	$84
Allstate	$809	$138

Cheapest Full Coverage Car Insurance in Colwyn

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 Colwyn is AutoOwners Insurance Co at $100 per month and $604 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colwyn, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$604	$100
Auto-Owners	$623	$107
American National P&C	$838	$139
Travelers	$905	$153
Westfield	$1004	$167
Erie	$1315	$221
State Farm	$1374	$231
Nationwide	$1412	$238
Encompass	$1597	$266
Allstate	$1733	$292
USAA	$1889	$318
Progressive	$2201	$371

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Average Car Insurance in Colwyn 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 Colwyn, PA increasing?

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

Car Insurance Premiums by Age in Colwyn

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	$925
30s	Travelers	$640
40s	Travelers	$602
50s	Travelers	$576
60s	Travelers	$576
70s	Travelers	$677

Cheapest Car Insurance Rates for Teen Drivers in Colwyn,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Colwyn at $41 per month. At $6040 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$244	$41
Auto-Owners Insurance Co	$282	$48
American National P&C	$371	$62
Chubb	$408	$69
Travelers	$1169	$197
Erie	$1432	$241
State Farm	$1958	$330
USAA	$2572	$428
Allstate	$4305	$731
Progressive	$5961	$994
Nationwide	$6040	$1027

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 Colwyn.

As young drivers face the highest rates in Colwyn, Travelers offers the cheapest auto insurance rates at $925 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 Colwyn, Westfield is the cheapest car insurance provider. At $380 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 Colwyn is State Farm, offering rates of around $5232 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$380	$64
Auto-Owners Insurance Co	$390	$66
Chubb	$458	$77
American National P&C	$517	$89
USAA	$1481	$246
Nationwide	$1501	$253
Erie	$2386	$399
Travelers	$2708	$461
Allstate	$3644	$607
Progressive	$4013	$682
State Farm	$5232	$872

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Car Insurance Rates with An Accident in Colwyn

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

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

The cheapest car insurance companies after an at-fault accident in Colwyn include AutoOwners and Westfield, offering $126 and $341, respectively. Allstate is an expensive provider with an average six-month premium of $2221.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$126	$21
Westfield	$341	$57
Donegal	$380	$64
Auto-Owners Insurance Co	$390	$66
Chubb	$458	$77
American National P&C	$467	$79
Erie	$584	$98
Travelers	$702	$118
State Farm	$722	$121
USAA	$1276	$215
Progressive	$1374	$231
Nationwide	$1812	$302
Allstate	$2221	$377

Colwyn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colwyn PA. For example, the car insurance in Colwyn after a DUI increases to $1637 for a six month policy. While the rate increases by $1802 for a six-month policy in the case of a speeding ticket.

Colwyn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1802	$300
Cell phone violation	$2104	$358
Failure to wear a seat belt	$2104	$351
Failure to stop at a red light	$2124	$361
Illegal turn	$2124	$354
Improper passing	$2124	$361
Speeding in school zone	$2124	$354
Texting while driving	$2124	$361
Driving with expired registration	$2134	$356
Speeding 16 - 20 MPH over limit	$2134	$362
Wrong way/wrong lane	$2153	$359
Open container	$2280	$387
Reckless driving	$3323	$554
Racing	$3380	$574
DUI	$3439	$572
Driving with a suspended license	$3459	$589
Leaving scene of an accident/hit and run	$3488	$581

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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 Colwyn 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 Colwyn.

The cheapest car insurance premiums in Colwyn are offered by American National P&C at $526 for a six-month policy. However, it can be as expensive as $4082 with companies like Nationwide.

Colwyn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$526	$87
Travelers	$828	$139
Erie	$1227	$207
Allstate	$1568	$264
Progressive	$1656	$279
State Farm	$1666	$280
USAA	$1743	$294
Nationwide	$4082	$687

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 Colwyn are offered by Westfield at $205. However, it can be as expensive as $2640 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Colwyn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$205	$34
Auto-Owners Insurance Co	$262	$44
Erie	$749	$126
Travelers	$749	$126
State Farm	$858	$144
USAA	$1656	$282
Allstate	$2221	$371
Progressive	$2357	$400
Nationwide	$2640	$440

Car Insurance Price Trends in Colwyn, Pennsylvania

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

The average cost of full coverage in the Colwyn rose by $274 in December compared to $264 of November. In other words, there has been an increase by $10 when you compare December and November.

The average cost of liability insurance in the Colwyn remained steady at $61 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 Colwyn?

The car insurance in Colwyn is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Colwyn?

The cheapest car insurance in Colwyn is $100 per month for full coverage.

How much is car insurance in Colwyn for teenagers?

Car insurance for teenagers costs $244 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 Colwyn?

The average cost of car insurance is $787 for a six-month policy. It will cost around $216 per month to insure your car in Colwyn.

Is car insurance expensive in Colwyn?

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

Cheapest Car Insurance Quotes in Colwyn

Why you can trust Way?

How Much Is Car Insurance in Colwyn

Avg. Car Insurance in Colwyn

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Colwyn

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Colwyn Car Insurance Rates by Company

Cheap Car Insurance Companies in Colwyn, PA

Way's key takeaways about car insurance in Colwyn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Colwyn

Cheapest Liability Coverage in Colwyn, PA

Cheapest Full Coverage Car Insurance in Colwyn

Cheapest Full Coverage Car Insurance Quotes in Colwyn, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Colwyn by Rating Factor

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

Car Insurance Premiums by Age in Colwyn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Colwyn,PA

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

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 Colwyn

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

Colwyn Car Insurance Rates by Violation

Colwyn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Colwyn after a DUI

Colwyn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Colwyn after Speeding ticket

Car Insurance Price Trends in Colwyn, Pennsylvania

Average Car Insurance Cost in Colwyn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Colwyn, PA

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

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