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Finding the cheapest car insurance quotes in Damascus 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 Damascus
The car insurance rate in Damascus is $927 for a six-month policy, which is $114 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Damascus 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 $420 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 $583 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $698
for six months, making it
the third cheapest auto insurance company in Damascus.
Damascus Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Damascus, PA is AutoOwners Insurance Co, offering policies at just $420 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $583.
At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1110 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Damascus drivers find the best deals.
Way's key takeaways about car insurance in Damascus
The auto insurance costs in Damascus fall around $420 for six
months.
The cheapest auto insurance company in Damascus is Westfield.
Teen drivers pay the highest rate in Damascus at $829 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Damascus
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 Damascus are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Damascus. Their Average 6 Month Premium is $163.
AutoOwners is the most
expensive at $88 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 Damascus is AutoOwners Insurance Co
at $70 per month and $420
for six months.
Cheapest Full Coverage Car Insurance Quotes in Damascus,
PA
Get Your Car Insurance Quote in Damascus
Instantly!
Average Car Insurance in Damascus 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 Damascus, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Damascus, 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, Damascus's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Damascus
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
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Cheapest Car Insurance Rates for Teen Drivers in
Damascus,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Damascus at $28
per
month. At $4970 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Damascus.
As young drivers face the highest rates in Damascus, N/A
offers the cheapest auto insurance rates at $N/A 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 Damascus,
Westfield is
the cheapest car insurance provider. At $264 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
Damascus is State Farm, offering
rates of around $5404 for six
months.
Save up to $971/yr on car insurance rates in Damascus.
Car Insurance Rates with An Accident in Damascus
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 Damascus, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Damascus
The cheapest car insurance companies after an at-fault accident in
Damascus include Westfield
and AutoOwners Insurance Co, offering $237
and $271,
respectively. Donegal is an expensive provider
with an average six-month premium of
$264.
Here is a list of driving violations that can increase your car
insurance rates in Damascus PA. For example, the car
insurance in Damascus
after a DUI increases to $1138 for a six
month policy. While the rate increases by $1253 for a six-month policy in the case of
a speeding ticket.
Damascus auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1253
$209
Cell phone violation
$1463
$249
Failure to wear a seat belt
$1463
$244
Failure to stop at a red light
$1476
$251
Illegal turn
$1476
$246
Improper passing
$1476
$251
Speeding in school zone
$1476
$246
Texting while driving
$1476
$251
Driving with expired registration
$1483
$247
Speeding 16 - 20 MPH over limit
$1483
$252
Wrong way/wrong lane
$1497
$250
Open container
$1585
$269
Reckless driving
$2310
$385
Racing
$2350
$399
DUI
$2391
$398
Driving with a suspended license
$2404
$409
Leaving scene of an accident/hit and run
$2425
$404
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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 Damascus 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 Damascus.
The cheapest car insurance premiums in
Damascus are
offered by American National P&C at $366 for a six-month policy.
However, it can be as
expensive as $3149 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 Damascus are offered by Westfield
at $143. However,
it can be as expensive as $2195
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Damascus after Speeding ticket
Car Insurance Price Trends in Damascus,
Pennsylvania
Car insurance rates in Damascus have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Damascus rose by
$209 in January
compared to $193 of December. In other words, there has been an increase by $16 when you
compare January and December.
The average cost of liability insurance in the Damascus rose to $51 in January,
compared to $43 in December.
This represents an increase of $8
when comparing January and December.
Average Car Insurance Cost in Damascus 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
Damascus. At $1853 for a
six-month policy, insuring
your car at 18415 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 Damascus?
The car insurance in Damascus is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Damascus?
The cheapest car insurance in Damascus
is $70 per month
for full coverage.
How much is car insurance in Damascus for teenagers?
Car insurance for teenagers costs $170 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
Damascus?
The average cost of car insurance is $813 for a six-month
policy. It will cost around $155 per month to insure your
car in Damascus.
Is car insurance expensive in Damascus?
Car insurance can be expensive in Damascus if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Damascus can be
affordable.
What is the best car insurance in Damascus,
PA?
The best car insurance company in Damascus
PA is
AutoOwners Insurance Co, offering $420 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Damascus, PA
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Damascus Car Insurance
