Cheapest Car Insurance Quotes in Croydon

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Croydon Car Insurance

^$ 17

/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 Croydon

The car insurance rate in Croydon is $999 for a six-month policy, which is $212 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $467, making it a popular choice for budget-conscious drivers. Rates in Croydon 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 Croydon

$999

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Croydon

1st place: AutoOwners Insurance Co

At $467 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 $483 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 $649 for six months, making it the third cheapest auto insurance company in Croydon.

Croydon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Croydon, PA is AutoOwners Insurance Co, offering policies at just $467 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $483.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1704 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Croydon drivers find the best deals.

Cheap Car Insurance Companies in Croydon, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$467	$77
Auto-Owners	$483	$83
American National P&C	$649	$108
Travelers	$701	$118
Westfield	$777	$130
Erie	$1019	$171
State Farm	$1064	$179
Nationwide	$1093	$184
Encompass	$1237	$206
Allstate	$1342	$226
USAA	$1463	$246
Progressive	$1704	$287

Key Takeaways

Way's key takeaways about car insurance in Croydon

The auto insurance costs in Croydon fall around $467 for six months.
The cheapest auto insurance company in Croydon is AutoOwners.
Teen drivers pay the highest rate in Croydon at $795 per month.

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Cheapest Minimum Liability Car Insurance in Croydon

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 Croydon are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Croydon. Their Average 6 Month Premium is $98. Allstate is the most expensive at $626 for the same period.

Cheapest Liability Coverage in Croydon, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$98	$17
Westfield	$182	$30
Auto-Owners Insurance Co	$189	$32
Travelers	$226	$38
Erie	$241	$41
American National P&C	$249	$42
Chubb	$264	$44
State Farm	$316	$53
USAA	$316	$53
Progressive	$339	$57
Nationwide	$392	$65
Allstate	$626	$107

Cheapest Full Coverage Car Insurance in Croydon

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 Croydon is AutoOwners Insurance Co at $77 per month and $467 for six months.

Cheapest Full Coverage Car Insurance Quotes in Croydon, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$467	$77
Auto-Owners	$483	$83
American National P&C	$649	$108
Travelers	$701	$118
Westfield	$777	$130
Erie	$1019	$171
State Farm	$1064	$179
Nationwide	$1093	$184
Encompass	$1237	$206
Allstate	$1342	$226
USAA	$1463	$246
Progressive	$1704	$287

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Average Car Insurance in Croydon 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 Croydon, PA increasing?

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

Car Insurance Premiums by Age in Croydon

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	$716
30s	Travelers	$495
40s	Travelers	$466
50s	Travelers	$446
60s	Travelers	$446
70s	Travelers	$525

Cheapest Car Insurance Rates for Teen Drivers in Croydon,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Croydon at $32 per month. At $4677 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
Auto-Owners Insurance Co	$218	$37
American National P&C	$287	$48
Chubb	$316	$53
Travelers	$906	$152
Erie	$1109	$187
State Farm	$1516	$255
USAA	$1991	$331
Allstate	$3334	$566
Progressive	$4616	$770
Nationwide	$4677	$795

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 Croydon.

As young drivers face the highest rates in Croydon, Travelers offers the cheapest auto insurance rates at $716 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 Croydon, Westfield is the cheapest car insurance provider. At $295 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 Croydon is State Farm, offering rates of around $4051 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$295	$50
Auto-Owners Insurance Co	$302	$51
Chubb	$354	$60
American National P&C	$400	$69
USAA	$1147	$191
Nationwide	$1162	$196
Erie	$1848	$309
Travelers	$2097	$357
Allstate	$2822	$470
Progressive	$3108	$528
State Farm	$4051	$676

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Car Insurance Rates with An Accident in Croydon

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

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

The cheapest car insurance companies after an at-fault accident in Croydon include AutoOwners and Westfield, offering $98 and $264, respectively. Allstate is an expensive provider with an average six-month premium of $1720.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$98	$17
Westfield	$264	$44
Donegal	$295	$50
Auto-Owners Insurance Co	$302	$51
Chubb	$354	$60
American National P&C	$362	$61
Erie	$452	$76
Travelers	$544	$91
State Farm	$559	$94
USAA	$988	$166
Progressive	$1064	$179
Nationwide	$1403	$234
Allstate	$1720	$292

Croydon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Croydon PA. For example, the car insurance in Croydon after a DUI increases to $1267 for a six month policy. While the rate increases by $1396 for a six-month policy in the case of a speeding ticket.

Croydon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1396	$232
Cell phone violation	$1629	$277
Failure to wear a seat belt	$1629	$272
Failure to stop at a red light	$1645	$279
Illegal turn	$1645	$274
Improper passing	$1645	$279
Speeding in school zone	$1645	$274
Texting while driving	$1645	$279
Driving with expired registration	$1652	$276
Speeding 16 - 20 MPH over limit	$1652	$281
Wrong way/wrong lane	$1668	$278
Open container	$1765	$300
Reckless driving	$2573	$429
Racing	$2617	$445
DUI	$2663	$443
Driving with a suspended license	$2678	$456
Leaving scene of an accident/hit and run	$2701	$450

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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 Croydon 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 Croydon.

The cheapest car insurance premiums in Croydon are offered by American National P&C at $408 for a six-month policy. However, it can be as expensive as $3161 with companies like Nationwide.

Croydon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$408	$67
Travelers	$641	$108
Erie	$950	$160
Allstate	$1214	$204
Progressive	$1283	$216
State Farm	$1290	$217
USAA	$1350	$227
Nationwide	$3161	$532

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 Croydon are offered by Westfield at $159. However, it can be as expensive as $2045 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Croydon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
Auto-Owners Insurance Co	$203	$34
Erie	$580	$98
Travelers	$580	$98
State Farm	$664	$112
USAA	$1283	$218
Allstate	$1720	$287
Progressive	$1825	$310
Nationwide	$2045	$340

Car Insurance Price Trends in Croydon, Pennsylvania

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

The average cost of full coverage in the Croydon rose by $212 in December compared to $204 of November. In other words, there has been an increase by $8 when you compare December and November.

The average cost of liability insurance in the Croydon remained steady at $47 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 Croydon?

The car insurance in Croydon is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Croydon?

The cheapest car insurance in Croydon is $77 per month for full coverage.

How much is car insurance in Croydon for teenagers?

Car insurance for teenagers costs $189 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 Croydon?

The average cost of car insurance is $787 for a six-month policy. It will cost around $168 per month to insure your car in Croydon.

Is car insurance expensive in Croydon?

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

Cheapest Car Insurance Quotes in Croydon

Why you can trust Way?

How Much Is Car Insurance in Croydon

Avg. Car Insurance in Croydon

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Croydon

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Croydon Car Insurance Rates by Company

Cheap Car Insurance Companies in Croydon, PA

Way's key takeaways about car insurance in Croydon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Croydon

Cheapest Liability Coverage in Croydon, PA

Cheapest Full Coverage Car Insurance in Croydon

Cheapest Full Coverage Car Insurance Quotes in Croydon, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Croydon by Rating Factor

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

Car Insurance Premiums by Age in Croydon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Croydon,PA

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

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 Croydon

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

Croydon Car Insurance Rates by Violation

Croydon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Croydon after a DUI

Croydon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Croydon after Speeding ticket

Car Insurance Price Trends in Croydon, Pennsylvania

Average Car Insurance Cost in Croydon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Croydon, PA

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

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