Cheapest Car Insurance Quotes in Ellwood City

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Ellwood City Car Insurance

^$ 12

/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 Ellwood City

The car insurance rate in Ellwood City is $732 for a six-month policy, which is $55 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Ellwood City 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 Ellwood City

$732

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Ellwood City

1st place: AutoOwners Insurance Co

At $342 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 $353 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 $475 for six months, making it the third cheapest auto insurance company in Ellwood City.

Ellwood City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ellwood City, PA is AutoOwners Insurance Co, offering policies at just $342 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $353.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1248 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ellwood City drivers find the best deals.

Cheap Car Insurance Companies in Ellwood City, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$342	$57
Auto-Owners	$353	$60
American National P&C	$475	$79
Travelers	$513	$86
Westfield	$569	$95
Erie	$746	$126
State Farm	$779	$131
Nationwide	$801	$135
Encompass	$906	$151
Allstate	$983	$166
USAA	$1071	$180
Progressive	$1248	$210

Key Takeaways

Way's key takeaways about car insurance in Ellwood City

The auto insurance costs in Ellwood City fall around $342 for six months.
The cheapest auto insurance company in Ellwood City is AutoOwners.
Teen drivers pay the highest rate in Ellwood City at $582 per month.

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Cheapest Minimum Liability Car Insurance in Ellwood City

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 Ellwood City are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Ellwood City. Their Average 6 Month Premium is $72. Allstate is the most expensive at $458 for the same period.

Cheapest Liability Coverage in Ellwood City, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$72	$12
Westfield	$133	$22
Auto-Owners Insurance Co	$139	$23
Travelers	$166	$28
Erie	$177	$30
American National P&C	$182	$31
Chubb	$193	$33
State Farm	$232	$39
USAA	$232	$39
Progressive	$248	$42
Nationwide	$287	$47
Allstate	$458	$78

Cheapest Full Coverage Car Insurance in Ellwood City

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 Ellwood City is AutoOwners Insurance Co at $57 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ellwood City, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$342	$57
Auto-Owners	$353	$60
American National P&C	$475	$79
Travelers	$513	$86
Westfield	$569	$95
Erie	$746	$126
State Farm	$779	$131
Nationwide	$801	$135
Encompass	$906	$151
Allstate	$983	$166
USAA	$1071	$180
Progressive	$1248	$210

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Average Car Insurance in Ellwood City 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 Ellwood City, PA increasing?

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

Car Insurance Premiums by Age in Ellwood City

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	$525
30s	Travelers	$363
40s	Travelers	$341
50s	Travelers	$326
60s	Travelers	$326
70s	Travelers	$384

Cheapest Car Insurance Rates for Teen Drivers in Ellwood City,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Ellwood City at $23 per month. At $3425 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
Auto-Owners Insurance Co	$160	$27
American National P&C	$210	$35
Chubb	$232	$39
Travelers	$663	$112
Erie	$812	$137
State Farm	$1110	$187
USAA	$1458	$243
Allstate	$2441	$415
Progressive	$3381	$564
Nationwide	$3425	$582

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 Ellwood City.

As young drivers face the highest rates in Ellwood City, Travelers offers the cheapest auto insurance rates at $525 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 Ellwood City, Westfield is the cheapest car insurance provider. At $216 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 Ellwood City is State Farm, offering rates of around $2967 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$216	$36
Auto-Owners Insurance Co	$221	$37
Chubb	$259	$44
American National P&C	$293	$50
USAA	$840	$140
Nationwide	$851	$143
Erie	$1353	$226
Travelers	$1535	$261
Allstate	$2066	$344
Progressive	$2276	$387
State Farm	$2967	$495

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Car Insurance Rates with An Accident in Ellwood City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ellwood City

The cheapest car insurance companies after an at-fault accident in Ellwood City include AutoOwners and Westfield, offering $72 and $193, respectively. Allstate is an expensive provider with an average six-month premium of $1259.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$72	$12
Westfield	$193	$33
Donegal	$216	$36
Auto-Owners Insurance Co	$221	$37
Chubb	$259	$44
American National P&C	$265	$45
Erie	$331	$56
Travelers	$398	$67
State Farm	$409	$69
USAA	$724	$122
Progressive	$779	$131
Nationwide	$1028	$171
Allstate	$1259	$214

Ellwood City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ellwood City PA. For example, the car insurance in Ellwood City after a DUI increases to $928 for a six month policy. While the rate increases by $1022 for a six-month policy in the case of a speeding ticket.

Ellwood City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1022	$170
Cell phone violation	$1193	$203
Failure to wear a seat belt	$1193	$199
Failure to stop at a red light	$1204	$205
Illegal turn	$1204	$201
Improper passing	$1204	$205
Speeding in school zone	$1204	$201
Texting while driving	$1204	$205
Driving with expired registration	$1210	$202
Speeding 16 - 20 MPH over limit	$1210	$206
Wrong way/wrong lane	$1221	$204
Open container	$1293	$219
Reckless driving	$1884	$314
Racing	$1917	$326
DUI	$1950	$325
Driving with a suspended license	$1961	$334
Leaving scene of an accident/hit and run	$1978	$329

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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 Ellwood City 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 Ellwood City.

The cheapest car insurance premiums in Ellwood City are offered by American National P&C at $299 for a six-month policy. However, it can be as expensive as $2315 with companies like Nationwide.

Ellwood City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$299	$49
Travelers	$470	$79
Erie	$696	$117
Allstate	$889	$150
Progressive	$939	$158
State Farm	$945	$159
USAA	$989	$166
Nationwide	$2315	$390

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 Ellwood City are offered by Westfield at $116. However, it can be as expensive as $1497 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Ellwood City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$116	$20
Auto-Owners Insurance Co	$149	$25
Erie	$425	$72
Travelers	$425	$72
State Farm	$486	$82
USAA	$939	$160
Allstate	$1259	$210
Progressive	$1336	$227
Nationwide	$1497	$249

Car Insurance Price Trends in Ellwood City, Pennsylvania

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

The average cost of full coverage in the Ellwood City rose by $155 in December compared to $150 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 Ellwood City remained steady at $34 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 Ellwood City?

The car insurance in Ellwood City is $12 per month, which is lower than the national average.

What is the cheapest car insurance in Ellwood City?

The cheapest car insurance in Ellwood City is $57 per month for full coverage.

How much is car insurance in Ellwood City for teenagers?

Car insurance for teenagers costs $139 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 Ellwood City?

The average cost of car insurance is $787 for a six-month policy. It will cost around $123 per month to insure your car in Ellwood City.

Is car insurance expensive in Ellwood City?

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

Cheapest Car Insurance Quotes in Ellwood City

Why you can trust Way?

How Much Is Car Insurance in Ellwood City

Avg. Car Insurance in Ellwood City

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Ellwood City

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Ellwood City Car Insurance Rates by Company

Cheap Car Insurance Companies in Ellwood City, PA

Way's key takeaways about car insurance in Ellwood City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ellwood City

Cheapest Liability Coverage in Ellwood City, PA

Cheapest Full Coverage Car Insurance in Ellwood City

Cheapest Full Coverage Car Insurance Quotes in Ellwood City, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ellwood City by Rating Factor

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

Car Insurance Premiums by Age in Ellwood City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ellwood City,PA

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

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 Ellwood City

Cheapest Car Insurance Companies after an At-Fault Accident in Ellwood City

Ellwood City Car Insurance Rates by Violation

Ellwood City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ellwood City after a DUI

Ellwood City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ellwood City after Speeding ticket

Car Insurance Price Trends in Ellwood City, Pennsylvania

Average Car Insurance Cost in Ellwood City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ellwood City, PA

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

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