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Finding the cheapest car insurance quotes in Conestoga shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Conestoga
The car insurance rate in Conestoga is $716 for a six-month policy, which is $71 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $335, making it a popular choice for budget-conscious drivers. Rates in Conestoga 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.
At $335 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 $346 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 $465
for six months, making it
the third cheapest auto insurance company in Conestoga.
Conestoga Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Conestoga, PA is AutoOwners Insurance Co, offering policies at just $335 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $346.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1221 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Conestoga drivers find the best deals.
Way's key takeaways about car insurance in Conestoga
The auto insurance costs in Conestoga fall around $335 for six
months.
The cheapest auto insurance company in Conestoga is AutoOwners.
Teen drivers pay the highest rate in Conestoga at $570 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Conestoga
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 Conestoga are given below.
AutoOwners provides
the cheapest minimum car insurance
coverage in Conestoga. Their Average 6 Month Premium is $70.
Allstate is the most
expensive at $449 for the same
period.
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 Conestoga is AutoOwners Insurance Co
at $56 per month and $335
for six months.
Cheapest Full Coverage Car Insurance Quotes in Conestoga,
PA
Get Your Car Insurance Quote in Conestoga
Instantly!
Average Car Insurance in Conestoga 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 Conestoga, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Conestoga, 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, Conestoga's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Conestoga
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
$513
30s
Travelers
$355
40s
Travelers
$334
50s
Travelers
$319
60s
Travelers
$319
70s
Travelers
$376
Cheapest Car Insurance Rates for Teen Drivers in
Conestoga,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Conestoga at $23
per
month. At $3352 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Conestoga.
As young drivers face the highest rates in Conestoga, Travelers
offers the cheapest auto insurance rates at $513 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 Conestoga,
Westfield is
the cheapest car insurance provider. At $211 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
Conestoga is State Farm, offering
rates of around $2903 for six
months.
Save up to $971/yr on car insurance rates in Conestoga.
Car Insurance Rates with An Accident in Conestoga
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 Conestoga, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Conestoga
The cheapest car insurance companies after an at-fault accident in
Conestoga include AutoOwners
and Westfield, offering $70
and $189,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1232.
Here is a list of driving violations that can increase your car
insurance rates in Conestoga PA. For example, the car
insurance in Conestoga
after a DUI increases to $908 for a six
month policy. While the rate increases by $1000 for a six-month policy in the case of
a speeding ticket.
Conestoga auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1000
$167
Cell phone violation
$1168
$198
Failure to wear a seat belt
$1168
$195
Failure to stop at a red light
$1178
$200
Illegal turn
$1178
$197
Improper passing
$1178
$200
Speeding in school zone
$1178
$197
Texting while driving
$1178
$200
Driving with expired registration
$1184
$197
Speeding 16 - 20 MPH over limit
$1184
$201
Wrong way/wrong lane
$1195
$199
Open container
$1265
$215
Reckless driving
$1844
$308
Racing
$1876
$319
DUI
$1908
$318
Driving with a suspended license
$1919
$327
Leaving scene of an accident/hit and run
$1936
$322
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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 Conestoga 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 Conestoga.
The cheapest car insurance premiums in
Conestoga are
offered by American National P&C at $292 for a six-month policy.
However, it can be as
expensive as $2265 with companies
like Nationwide.
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 Conestoga are offered by Westfield
at $114. However,
it can be as expensive as $1465
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Conestoga after Speeding ticket
Car Insurance Price Trends in Conestoga,
Pennsylvania
Car insurance rates in Conestoga have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Conestoga rose by
$152 in December
compared to $147 of November. In other words, there has been an increase by $5 when you
compare December and November.
The average cost of liability insurance in the Conestoga remained steady at $34 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Conestoga by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Conestoga. At $1432 for a
six-month policy, insuring
your car at 17516 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Conestoga?
The car insurance in Conestoga is $12 per month, which is lower than the national average.
What is the cheapest car insurance in Conestoga?
The cheapest car insurance in Conestoga
is $56 per month
for full coverage.
How much is car insurance in Conestoga for teenagers?
Car insurance for teenagers costs $136 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
Conestoga?
The average cost of car insurance is $787 for a six-month
policy. It will cost around $120 per month to insure your
car in Conestoga.
Is car insurance expensive in Conestoga?
Car insurance can be expensive in Conestoga if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Conestoga can be
affordable.
What is the best car insurance in Conestoga,
PA?
The best car insurance company in Conestoga
PA is
AutoOwners Insurance Co, offering $335 for a
six-month policy.
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Conestoga Car Insurance
