Cheapest Car Insurance Quotes in Fort Washington

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Fort Washington Car Insurance

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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 Fort Washington

The car insurance rate in Fort Washington is $921 for a six-month policy, which is $134 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Fort Washington 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 Fort Washington

$921

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Fort Washington

1st place: AutoOwners Insurance Co

At $431 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 $445 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 $598 for six months, making it the third cheapest auto insurance company in Fort Washington.

Fort Washington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Washington, PA is AutoOwners Insurance Co, offering policies at just $431 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $445.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1570 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Washington drivers find the best deals.

Cheap Car Insurance Companies in Fort Washington, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$431	$71
Auto-Owners	$445	$76
American National P&C	$598	$99
Travelers	$646	$109
Westfield	$716	$119
Erie	$938	$158
State Farm	$980	$165
Nationwide	$1007	$170
Encompass	$1140	$190
Allstate	$1237	$208
USAA	$1348	$227
Progressive	$1570	$264

Key Takeaways

Way's key takeaways about car insurance in Fort Washington

The auto insurance costs in Fort Washington fall around $431 for six months.
The cheapest auto insurance company in Fort Washington is AutoOwners.
Teen drivers pay the highest rate in Fort Washington at $732 per month.

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Cheapest Minimum Liability Car Insurance in Fort Washington

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 Fort Washington are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Fort Washington. Their Average 6 Month Premium is $90. Allstate is the most expensive at $577 for the same period.

Cheapest Liability Coverage in Fort Washington, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$90	$15
Westfield	$167	$28
Auto-Owners Insurance Co	$174	$29
Travelers	$208	$35
Erie	$222	$37
American National P&C	$229	$39
Chubb	$243	$41
State Farm	$291	$49
USAA	$291	$49
Progressive	$312	$53
Nationwide	$362	$60
Allstate	$577	$98

Cheapest Full Coverage Car Insurance in Fort Washington

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 Fort Washington is AutoOwners Insurance Co at $71 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Washington, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$431	$71
Auto-Owners	$445	$76
American National P&C	$598	$99
Travelers	$646	$109
Westfield	$716	$119
Erie	$938	$158
State Farm	$980	$165
Nationwide	$1007	$170
Encompass	$1140	$190
Allstate	$1237	$208
USAA	$1348	$227
Progressive	$1570	$264

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Average Car Insurance in Fort Washington 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 Fort Washington, PA increasing?

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

Car Insurance Premiums by Age in Fort Washington

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	$660
30s	Travelers	$456
40s	Travelers	$429
50s	Travelers	$411
60s	Travelers	$411
70s	Travelers	$483

Cheapest Car Insurance Rates for Teen Drivers in Fort Washington,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Fort Washington at $29 per month. At $4309 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Auto-Owners Insurance Co	$201	$34
American National P&C	$264	$44
Chubb	$291	$49
Travelers	$834	$140
Erie	$1021	$172
State Farm	$1397	$235
USAA	$1835	$305
Allstate	$3071	$522
Progressive	$4253	$709
Nationwide	$4309	$732

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 Fort Washington.

As young drivers face the highest rates in Fort Washington, Travelers offers the cheapest auto insurance rates at $660 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 Fort Washington, Westfield is the cheapest car insurance provider. At $271 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 Fort Washington is State Farm, offering rates of around $3732 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$271	$46
Auto-Owners Insurance Co	$278	$47
Chubb	$326	$55
American National P&C	$369	$63
USAA	$1057	$176
Nationwide	$1071	$180
Erie	$1702	$284
Travelers	$1932	$329
Allstate	$2600	$433
Progressive	$2863	$487
State Farm	$3732	$622

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Car Insurance Rates with An Accident in Fort Washington

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Washington

The cheapest car insurance companies after an at-fault accident in Fort Washington include AutoOwners and Westfield, offering $90 and $243, respectively. Allstate is an expensive provider with an average six-month premium of $1584.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$90	$15
Westfield	$243	$41
Donegal	$271	$46
Auto-Owners Insurance Co	$278	$47
Chubb	$326	$55
American National P&C	$333	$56
Erie	$417	$70
Travelers	$501	$84
State Farm	$515	$87
USAA	$910	$153
Progressive	$980	$165
Nationwide	$1293	$215
Allstate	$1584	$269

Fort Washington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Washington PA. For example, the car insurance in Fort Washington after a DUI increases to $1167 for a six month policy. While the rate increases by $1286 for a six-month policy in the case of a speeding ticket.

Fort Washington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1286	$214
Cell phone violation	$1501	$255
Failure to wear a seat belt	$1501	$250
Failure to stop at a red light	$1515	$257
Illegal turn	$1515	$253
Improper passing	$1515	$257
Speeding in school zone	$1515	$253
Texting while driving	$1515	$257
Driving with expired registration	$1522	$254
Speeding 16 - 20 MPH over limit	$1522	$259
Wrong way/wrong lane	$1536	$256
Open container	$1626	$276
Reckless driving	$2370	$395
Racing	$2411	$410
DUI	$2453	$408
Driving with a suspended license	$2468	$420
Leaving scene of an accident/hit and run	$2489	$414

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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 Fort Washington 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 Fort Washington.

The cheapest car insurance premiums in Fort Washington are offered by American National P&C at $376 for a six-month policy. However, it can be as expensive as $2912 with companies like Nationwide.

Fort Washington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$376	$62
Travelers	$591	$99
Erie	$875	$147
Allstate	$1119	$188
Progressive	$1182	$199
State Farm	$1189	$200
USAA	$1244	$209
Nationwide	$2912	$490

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 Fort Washington are offered by Westfield at $146. However, it can be as expensive as $1884 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Fort Washington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Auto-Owners Insurance Co	$187	$32
Erie	$535	$90
Travelers	$535	$90
State Farm	$612	$103
USAA	$1182	$201
Allstate	$1584	$264
Progressive	$1681	$285
Nationwide	$1884	$314

Car Insurance Price Trends in Fort Washington, Pennsylvania

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

The average cost of full coverage in the Fort Washington rose by $195 in December compared to $188 of November. In other words, there has been an increase by $7 when you compare December and November.

The average cost of liability insurance in the Fort Washington remained steady at $43 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 Fort Washington?

The car insurance in Fort Washington is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Washington?

The cheapest car insurance in Fort Washington is $71 per month for full coverage.

How much is car insurance in Fort Washington for teenagers?

Car insurance for teenagers costs $174 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 Fort Washington?

The average cost of car insurance is $787 for a six-month policy. It will cost around $154 per month to insure your car in Fort Washington.

Is car insurance expensive in Fort Washington?

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

Cheapest Car Insurance Quotes in Fort Washington

Why you can trust Way?

How Much Is Car Insurance in Fort Washington

Avg. Car Insurance in Fort Washington

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Fort Washington

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Fort Washington Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Washington, PA

Way's key takeaways about car insurance in Fort Washington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Washington

Cheapest Liability Coverage in Fort Washington, PA

Cheapest Full Coverage Car Insurance in Fort Washington

Cheapest Full Coverage Car Insurance Quotes in Fort Washington, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Washington by Rating Factor

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

Car Insurance Premiums by Age in Fort Washington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Washington,PA

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

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 Fort Washington

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Washington

Fort Washington Car Insurance Rates by Violation

Fort Washington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Washington after a DUI

Fort Washington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Washington after Speeding ticket

Car Insurance Price Trends in Fort Washington, Pennsylvania

Average Car Insurance Cost in Fort Washington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Washington, PA

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

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