Cheapest Car Insurance Quotes in Folcroft

Finding the cheapest car insurance quotes in Folcroft 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

399,755 Policies Sold

Folcroft Car Insurance

^$ 19

/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 Folcroft

The car insurance rate in Folcroft is $1125 for a six-month policy, which is $338 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in Folcroft 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 Folcroft

$1125

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Folcroft

1st place: AutoOwners Insurance Co

At $526 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 $543 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 $731 for six months, making it the third cheapest auto insurance company in Folcroft.

Folcroft Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Folcroft, PA is AutoOwners Insurance Co, offering policies at just $526 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $543.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1919 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Folcroft drivers find the best deals.

Cheap Car Insurance Companies in Folcroft, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$87
Auto-Owners	$543	$93
American National P&C	$731	$122
Travelers	$789	$133
Westfield	$875	$146
Erie	$1147	$193
State Farm	$1198	$202
Nationwide	$1231	$207
Encompass	$1393	$232
Allstate	$1512	$255
USAA	$1647	$277
Progressive	$1919	$323

Key Takeaways

Way's key takeaways about car insurance in Folcroft

The auto insurance costs in Folcroft fall around $526 for six months.
The cheapest auto insurance company in Folcroft is AutoOwners.
Teen drivers pay the highest rate in Folcroft at $895 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 Folcroft

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 Folcroft are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Folcroft. Their Average 6 Month Premium is $110. Allstate is the most expensive at $705 for the same period.

Cheapest Liability Coverage in Folcroft, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$110	$19
Westfield	$204	$34
Auto-Owners Insurance Co	$213	$36
Travelers	$255	$43
Erie	$272	$46
American National P&C	$280	$47
Chubb	$297	$50
State Farm	$356	$60
USAA	$356	$60
Progressive	$382	$64
Nationwide	$442	$73
Allstate	$705	$120

Cheapest Full Coverage Car Insurance in Folcroft

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 Folcroft is AutoOwners Insurance Co at $87 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in Folcroft, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$87
Auto-Owners	$543	$93
American National P&C	$731	$122
Travelers	$789	$133
Westfield	$875	$146
Erie	$1147	$193
State Farm	$1198	$202
Nationwide	$1231	$207
Encompass	$1393	$232
Allstate	$1512	$255
USAA	$1647	$277
Progressive	$1919	$323

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Folcroft Instantly!

Average Car Insurance in Folcroft 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 Folcroft, PA increasing?

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

Car Insurance Premiums by Age in Folcroft

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	$807
30s	Travelers	$558
40s	Travelers	$525
50s	Travelers	$502
60s	Travelers	$502
70s	Travelers	$591

Cheapest Car Insurance Rates for Teen Drivers in Folcroft,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Folcroft at $36 per month. At $5267 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$213	$36
Auto-Owners Insurance Co	$246	$41
American National P&C	$323	$54
Chubb	$356	$60
Travelers	$1020	$172
Erie	$1248	$210
State Farm	$1707	$287
USAA	$2242	$373
Allstate	$3754	$638
Progressive	$5198	$867
Nationwide	$5267	$895

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 Folcroft.

As young drivers face the highest rates in Folcroft, Travelers offers the cheapest auto insurance rates at $807 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 Folcroft, Westfield is the cheapest car insurance provider. At $332 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 Folcroft is State Farm, offering rates of around $4562 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$332	$56
Auto-Owners Insurance Co	$340	$57
Chubb	$399	$67
American National P&C	$450	$77
USAA	$1291	$215
Nationwide	$1308	$220
Erie	$2081	$347
Travelers	$2361	$402
Allstate	$3177	$529
Progressive	$3499	$595
State Farm	$4562	$761

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Folcroft

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

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

The cheapest car insurance companies after an at-fault accident in Folcroft include AutoOwners and Westfield, offering $110 and $297, respectively. Allstate is an expensive provider with an average six-month premium of $1936.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$110	$19
Westfield	$297	$50
Donegal	$332	$56
Auto-Owners Insurance Co	$340	$57
Chubb	$399	$67
American National P&C	$408	$69
Erie	$509	$86
Travelers	$612	$103
State Farm	$629	$106
USAA	$1113	$187
Progressive	$1198	$202
Nationwide	$1580	$263
Allstate	$1936	$329

Folcroft Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Folcroft PA. For example, the car insurance in Folcroft after a DUI increases to $1427 for a six month policy. While the rate increases by $1572 for a six-month policy in the case of a speeding ticket.

Folcroft auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1572	$262
Cell phone violation	$1835	$312
Failure to wear a seat belt	$1835	$306
Failure to stop at a red light	$1852	$315
Illegal turn	$1852	$309
Improper passing	$1852	$315
Speeding in school zone	$1852	$309
Texting while driving	$1852	$315
Driving with expired registration	$1860	$310
Speeding 16 - 20 MPH over limit	$1860	$316
Wrong way/wrong lane	$1878	$313
Open container	$1988	$337
Reckless driving	$2897	$483
Racing	$2947	$501
DUI	$2999	$499
Driving with a suspended license	$3016	$513
Leaving scene of an accident/hit and run	$3042	$506

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 Folcroft 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 Folcroft.

The cheapest car insurance premiums in Folcroft are offered by American National P&C at $459 for a six-month policy. However, it can be as expensive as $3559 with companies like Nationwide.

Folcroft car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$459	$76
Travelers	$722	$122
Erie	$1070	$180
Allstate	$1367	$230
Progressive	$1444	$243
State Farm	$1453	$245
USAA	$1520	$256
Nationwide	$3559	$599

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 Folcroft are offered by Westfield at $179. However, it can be as expensive as $2302 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Folcroft after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Auto-Owners Insurance Co	$229	$39
Erie	$654	$110
Travelers	$654	$110
State Farm	$748	$126
USAA	$1444	$246
Allstate	$1936	$323
Progressive	$2055	$349
Nationwide	$2302	$383

Car Insurance Price Trends in Folcroft, Pennsylvania

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

The average cost of full coverage in the Folcroft rose by $239 in December compared to $230 of November. In other words, there has been an increase by $9 when you compare December and November.

The average cost of liability insurance in the Folcroft remained steady at $53 in both December and November, indicating no change over the two month period.

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 Folcroft?

The car insurance in Folcroft is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Folcroft?

The cheapest car insurance in Folcroft is $87 per month for full coverage.

How much is car insurance in Folcroft for teenagers?

Car insurance for teenagers costs $213 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 Folcroft?

The average cost of car insurance is $787 for a six-month policy. It will cost around $189 per month to insure your car in Folcroft.

Is car insurance expensive in Folcroft?

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

Cheapest Car Insurance Quotes in Folcroft

Why you can trust Way?

How Much Is Car Insurance in Folcroft

Avg. Car Insurance in Folcroft

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Folcroft

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Folcroft Car Insurance Rates by Company

Cheap Car Insurance Companies in Folcroft, PA

Way's key takeaways about car insurance in Folcroft

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Folcroft

Cheapest Liability Coverage in Folcroft, PA

Cheapest Full Coverage Car Insurance in Folcroft

Cheapest Full Coverage Car Insurance Quotes in Folcroft, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Folcroft by Rating Factor

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

Car Insurance Premiums by Age in Folcroft

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Folcroft,PA

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

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 Folcroft

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

Folcroft Car Insurance Rates by Violation

Folcroft auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Folcroft after a DUI

Folcroft car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Folcroft after Speeding ticket

Car Insurance Price Trends in Folcroft, Pennsylvania

Average Car Insurance Cost in Folcroft by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Folcroft, PA

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

Featured Blogs

Data Sources