Cheapest Car Insurance Quotes in Fairless Hills

Finding the cheapest car insurance quotes in Fairless Hills 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Fairless Hills Car Insurance

^$ 28

/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 Fairless Hills

The car insurance rate in Fairless Hills is $959 for a six-month policy, which is $146 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Fairless Hills 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 Fairless Hills

$959

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Fairless Hills

1st place: AutoOwners Insurance Co

At $434 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 $603 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $722 for six months, making it the third cheapest auto insurance company in Fairless Hills.

Fairless Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairless Hills, PA is AutoOwners Insurance Co, offering policies at just $434 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $603.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1149 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairless Hills drivers find the best deals.

Cheap Car Insurance Companies in Fairless Hills, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$434	$72
American National P&C	$603	$103
Westfield	$722	$120
Travelers	$778	$131
Erie	$946	$159
Nationwide	$1101	$185
State Farm	$1121	$189
Allstate	$1247	$210
USAA	$1325	$223
Progressive	$1647	$277
Auto-Owners	$448	$77
Encompass	$1149	$191

Key Takeaways

Way's key takeaways about car insurance in Fairless Hills

The auto insurance costs in Fairless Hills fall around $434 for six months.
The cheapest auto insurance company in Fairless Hills is Westfield.
Teen drivers pay the highest rate in Fairless Hills at $858 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 Fairless Hills

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 Fairless Hills are given below.

Westfield provides the cheapest minimum car insurance coverage in Fairless Hills. Their Average 6 Month Premium is $169. AutoOwners is the most expensive at $91 for the same period.

Cheapest Liability Coverage in Fairless Hills, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$28
Auto-Owners Insurance Co	$176	$30
Erie	$224	$38
American National P&C	$231	$39
Chubb	$245	$41
Travelers	$260	$44
USAA	$308	$52
State Farm	$322	$54
Nationwide	$413	$70
Progressive	$470	$79
Allstate	$631	$106
Auto-Owners	$91	$15

Cheapest Full Coverage Car Insurance in Fairless Hills

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 Fairless Hills is AutoOwners Insurance Co at $72 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairless Hills, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$434	$72
American National P&C	$603	$103
Westfield	$722	$120
Travelers	$778	$131
Erie	$946	$159
Nationwide	$1101	$185
State Farm	$1121	$189
Allstate	$1247	$210
USAA	$1325	$223
Progressive	$1647	$277
Auto-Owners	$448	$77
Encompass	$1149	$191

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fairless Hills Instantly!

Average Car Insurance in Fairless Hills 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 Fairless Hills, PA increasing?

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

Car Insurance Premiums by Age in Fairless Hills

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Fairless Hills,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Fairless Hills at $30 per month. At $5145 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$176	$30
Auto-Owners Insurance Co	$203	$34
American National P&C	$267	$45
Chubb	$294	$50
Erie	$1206	$203
Travelers	$1388	$234
State Farm	$1998	$336
USAA	$2334	$396
Allstate	$3042	$507
Progressive	$3049	$518
Nationwide	$5145	$858

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 Fairless Hills, Westfield is the cheapest car insurance provider. At $274 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 Fairless Hills is State Farm, offering rates of around $5593 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$274	$46
Auto-Owners Insurance Co	$281	$47
Chubb	$329	$55
American National P&C	$372	$64
USAA	$1199	$199
Nationwide	$1247	$210
Erie	$2187	$365
Allstate	$2635	$448
Travelers	$2873	$479
Progressive	$3211	$546
State Farm	$5593	$932

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Fairless Hills.

Car Insurance Rates with An Accident in Fairless Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fairless Hills

The cheapest car insurance companies after an at-fault accident in Fairless Hills include Westfield and AutoOwners Insurance Co, offering $245 and $281, respectively. Donegal is an expensive provider with an average six-month premium of $274.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$245	$41
Auto-Owners Insurance Co	$281	$47
Chubb	$329	$55
American National P&C	$336	$57
Erie	$561	$94
State Farm	$651	$110
Travelers	$778	$131
USAA	$1009	$170
Nationwide	$1549	$263
Allstate	$1598	$267
Progressive	$1893	$322
Auto-Owners	$91	$15
Donegal	$274	$46

Fairless Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairless Hills PA. For example, the car insurance in Fairless Hills after a DUI increases to $1177 for a six month policy. While the rate increases by $1297 for a six-month policy in the case of a speeding ticket.

Fairless Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1297	$216
Cell phone violation	$1514	$257
Failure to wear a seat belt	$1514	$253
Failure to stop at a red light	$1528	$260
Illegal turn	$1528	$255
Improper passing	$1528	$260
Speeding in school zone	$1528	$255
Texting while driving	$1528	$260
Driving with expired registration	$1535	$256
Speeding 16 - 20 MPH over limit	$1535	$261
Wrong way/wrong lane	$1549	$258
Open container	$1640	$278
Reckless driving	$2391	$399
Racing	$2432	$413
DUI	$2474	$412
Driving with a suspended license	$2489	$424
Leaving scene of an accident/hit and run	$2510	$418

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Fairless Hills 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 Fairless Hills.

The cheapest car insurance premiums in Fairless Hills are offered by American National P&C at $379 for a six-month policy. However, it can be as expensive as $3259 with companies like Nationwide.

Fairless Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$379	$63
Travelers	$813	$137
Erie	$1016	$171
Allstate	$1128	$190
Progressive	$1233	$208
State Farm	$1437	$242
USAA	$1444	$243
Nationwide	$3259	$549

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 Fairless Hills are offered by Westfield at $148. However, it can be as expensive as $2272 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Fairless Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
Auto-Owners Insurance Co	$189	$32
Erie	$651	$110
State Farm	$834	$140
Travelers	$904	$152
USAA	$1339	$223
Allstate	$1598	$271
Progressive	$1921	$320
Nationwide	$2272	$386

Car Insurance Price Trends in Fairless Hills, Pennsylvania

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

The average cost of full coverage in the Fairless Hills rose by $216 in January compared to $199 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Fairless Hills rose to $53 in January, compared to $45 in December. This represents an increase of $8 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Fairless Hills?

The car insurance in Fairless Hills is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Fairless Hills?

The cheapest car insurance in Fairless Hills is $72 per month for full coverage.

How much is car insurance in Fairless Hills for teenagers?

Car insurance for teenagers costs $176 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 Fairless Hills?

The average cost of car insurance is $813 for a six-month policy. It will cost around $160 per month to insure your car in Fairless Hills.

Is car insurance expensive in Fairless Hills?

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

Cheapest Car Insurance Quotes in Fairless Hills

Why you can trust Way?

How Much Is Car Insurance in Fairless Hills

Avg. Car Insurance in Fairless Hills

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Fairless Hills

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Fairless Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairless Hills, PA

Way's key takeaways about car insurance in Fairless Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairless Hills

Cheapest Liability Coverage in Fairless Hills, PA

Cheapest Full Coverage Car Insurance in Fairless Hills

Cheapest Full Coverage Car Insurance Quotes in Fairless Hills, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairless Hills by Rating Factor

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

Car Insurance Premiums by Age in Fairless Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairless Hills,PA

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

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 Fairless Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Fairless Hills

Fairless Hills Car Insurance Rates by Violation

Fairless Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairless Hills after a DUI

Fairless Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairless Hills after Speeding ticket

Car Insurance Price Trends in Fairless Hills, Pennsylvania

Average Car Insurance Cost in Fairless Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fairless Hills, PA

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

Featured Blogs

Data Sources