Cheapest Car Insurance Quotes in East Prospect

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406,175 Policies Sold

East Prospect 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 East Prospect

The car insurance rate in East Prospect is $715 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in East Prospect 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 East Prospect

$715

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in East Prospect

1st place: AutoOwners Insurance Co

At $324 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 $450 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $539 for six months, making it the third cheapest auto insurance company in East Prospect.

East Prospect Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Prospect, PA is AutoOwners Insurance Co, offering policies at just $324 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $450.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $857 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Prospect drivers find the best deals.

Cheap Car Insurance Companies in East Prospect, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$54
American National P&C	$450	$77
Westfield	$539	$90
Travelers	$580	$98
Erie	$706	$119
Nationwide	$821	$138
State Farm	$836	$141
Allstate	$930	$157
USAA	$988	$166
Progressive	$1228	$207
Auto-Owners	$334	$57
Encompass	$857	$143

Key Takeaways

Way's key takeaways about car insurance in East Prospect

The auto insurance costs in East Prospect fall around $324 for six months.
The cheapest auto insurance company in East Prospect is Westfield.
Teen drivers pay the highest rate in East Prospect at $640 per month.

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Cheapest Minimum Liability Car Insurance in East Prospect

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 East Prospect are given below.

Westfield provides the cheapest minimum car insurance coverage in East Prospect. Their Average 6 Month Premium is $126. AutoOwners is the most expensive at $68 for the same period.

Cheapest Liability Coverage in East Prospect, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
Auto-Owners Insurance Co	$131	$22
Erie	$167	$28
American National P&C	$172	$29
Chubb	$183	$31
Travelers	$194	$33
USAA	$230	$39
State Farm	$240	$40
Nationwide	$308	$52
Progressive	$350	$59
Allstate	$471	$79
Auto-Owners	$68	$11

Cheapest Full Coverage Car Insurance in East Prospect

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 East Prospect is AutoOwners Insurance Co at $54 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Prospect, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$54
American National P&C	$450	$77
Westfield	$539	$90
Travelers	$580	$98
Erie	$706	$119
Nationwide	$821	$138
State Farm	$836	$141
Allstate	$930	$157
USAA	$988	$166
Progressive	$1228	$207
Auto-Owners	$334	$57
Encompass	$857	$143

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Average Car Insurance in East Prospect 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 East Prospect, PA increasing?

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

Car Insurance Premiums by Age in East Prospect

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 East Prospect,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the East Prospect at $22 per month. At $3837 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
Auto-Owners Insurance Co	$151	$26
American National P&C	$199	$33
Chubb	$219	$37
Erie	$899	$151
Travelers	$1035	$174
State Farm	$1490	$251
USAA	$1741	$296
Allstate	$2269	$378
Progressive	$2274	$386
Nationwide	$3837	$640

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 East Prospect, Westfield is the cheapest car insurance provider. At $204 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 East Prospect is State Farm, offering rates of around $4171 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$204	$34
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
American National P&C	$277	$48
USAA	$894	$149
Nationwide	$930	$157
Erie	$1631	$272
Allstate	$1965	$334
Travelers	$2143	$357
Progressive	$2394	$407
State Farm	$4171	$695

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Car Insurance Rates with An Accident in East Prospect

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

Cheapest Car Insurance Companies after an At-Fault Accident in East Prospect

The cheapest car insurance companies after an at-fault accident in East Prospect include Westfield and AutoOwners Insurance Co, offering $183 and $209, respectively. Donegal is an expensive provider with an average six-month premium of $204.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$183	$31
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
American National P&C	$251	$42
Erie	$418	$70
State Farm	$486	$82
Travelers	$580	$98
USAA	$752	$127
Nationwide	$1155	$196
Allstate	$1192	$199
Progressive	$1412	$240
Auto-Owners	$68	$11
Donegal	$204	$34

East Prospect Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Prospect PA. For example, the car insurance in East Prospect after a DUI increases to $878 for a six month policy. While the rate increases by $967 for a six-month policy in the case of a speeding ticket.

East Prospect auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$967	$161
Cell phone violation	$1129	$192
Failure to wear a seat belt	$1129	$188
Failure to stop at a red light	$1140	$194
Illegal turn	$1140	$190
Improper passing	$1140	$194
Speeding in school zone	$1140	$190
Texting while driving	$1140	$194
Driving with expired registration	$1145	$191
Speeding 16 - 20 MPH over limit	$1145	$194
Wrong way/wrong lane	$1155	$193
Open container	$1223	$208
Reckless driving	$1783	$297
Racing	$1814	$308
DUI	$1845	$307
Driving with a suspended license	$1856	$316
Leaving scene of an accident/hit and run	$1872	$312

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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 East Prospect 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 East Prospect.

The cheapest car insurance premiums in East Prospect are offered by American National P&C at $282 for a six-month policy. However, it can be as expensive as $2431 with companies like Nationwide.

East Prospect car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$282	$47
Travelers	$606	$102
Erie	$758	$128
Allstate	$841	$142
Progressive	$920	$155
State Farm	$1072	$180
USAA	$1077	$181
Nationwide	$2431	$409

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 East Prospect are offered by Westfield at $110. However, it can be as expensive as $1694 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in East Prospect after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$110	$18
Auto-Owners Insurance Co	$141	$24
Erie	$486	$82
State Farm	$622	$105
Travelers	$674	$114
USAA	$999	$166
Allstate	$1192	$202
Progressive	$1433	$238
Nationwide	$1694	$288

Car Insurance Price Trends in East Prospect, Pennsylvania

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

The average cost of full coverage in the East Prospect rose by $161 in January compared to $149 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the East Prospect rose to $40 in January, compared to $33 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in East Prospect?

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

What is the cheapest car insurance in East Prospect?

The cheapest car insurance in East Prospect is $54 per month for full coverage.

How much is car insurance in East Prospect for teenagers?

Car insurance for teenagers costs $131 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 East Prospect?

The average cost of car insurance is $813 for a six-month policy. It will cost around $120 per month to insure your car in East Prospect.

Is car insurance expensive in East Prospect?

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

Cheapest Car Insurance Quotes in East Prospect

Why you can trust Way?

How Much Is Car Insurance in East Prospect

Avg. Car Insurance in East Prospect

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in East Prospect

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

East Prospect Car Insurance Rates by Company

Cheap Car Insurance Companies in East Prospect, PA

Way's key takeaways about car insurance in East Prospect

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Prospect

Cheapest Liability Coverage in East Prospect, PA

Cheapest Full Coverage Car Insurance in East Prospect

Cheapest Full Coverage Car Insurance Quotes in East Prospect, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Prospect by Rating Factor

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

Car Insurance Premiums by Age in East Prospect

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Prospect,PA

If you are in your twenties N/A is the best choice for car insurance in East Prospect.

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 East Prospect

Cheapest Car Insurance Companies after an At-Fault Accident in East Prospect

East Prospect Car Insurance Rates by Violation

East Prospect auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Prospect after a DUI

East Prospect car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Prospect after Speeding ticket

Car Insurance Price Trends in East Prospect, Pennsylvania

Average Car Insurance Cost in East Prospect by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Prospect, PA

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

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