Cheapest Car Insurance Quotes in Fox Chapel

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Fox Chapel Car Insurance

^$ 13

/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 Fox Chapel

The car insurance rate in Fox Chapel is $803 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $375, making it a popular choice for budget-conscious drivers. Rates in Fox Chapel 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 Fox Chapel

$803

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Fox Chapel

1st place: AutoOwners Insurance Co

At $375 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 $388 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 $521 for six months, making it the third cheapest auto insurance company in Fox Chapel.

Fox Chapel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fox Chapel, PA is AutoOwners Insurance Co, offering policies at just $375 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $388.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1369 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fox Chapel drivers find the best deals.

Cheap Car Insurance Companies in Fox Chapel, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$375	$62
Auto-Owners	$388	$66
American National P&C	$521	$87
Travelers	$563	$95
Westfield	$624	$104
Erie	$818	$138
State Farm	$855	$144
Nationwide	$878	$148
Encompass	$993	$165
Allstate	$1078	$182
USAA	$1175	$198
Progressive	$1369	$231

Key Takeaways

Way's key takeaways about car insurance in Fox Chapel

The auto insurance costs in Fox Chapel fall around $375 for six months.
The cheapest auto insurance company in Fox Chapel is AutoOwners.
Teen drivers pay the highest rate in Fox Chapel at $639 per month.

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Cheapest Minimum Liability Car Insurance in Fox Chapel

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 Fox Chapel are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Fox Chapel. Their Average 6 Month Premium is $79. Allstate is the most expensive at $503 for the same period.

Cheapest Liability Coverage in Fox Chapel, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$79	$13
Westfield	$146	$24
Auto-Owners Insurance Co	$152	$26
Travelers	$182	$31
Erie	$194	$33
American National P&C	$200	$34
Chubb	$212	$36
State Farm	$254	$43
USAA	$254	$43
Progressive	$272	$46
Nationwide	$315	$52
Allstate	$503	$86

Cheapest Full Coverage Car Insurance in Fox Chapel

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 Fox Chapel is AutoOwners Insurance Co at $62 per month and $375 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fox Chapel, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$375	$62
Auto-Owners	$388	$66
American National P&C	$521	$87
Travelers	$563	$95
Westfield	$624	$104
Erie	$818	$138
State Farm	$855	$144
Nationwide	$878	$148
Encompass	$993	$165
Allstate	$1078	$182
USAA	$1175	$198
Progressive	$1369	$231

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Average Car Insurance in Fox Chapel 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 Fox Chapel, PA increasing?

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

Car Insurance Premiums by Age in Fox Chapel

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	$575
30s	Travelers	$398
40s	Travelers	$374
50s	Travelers	$358
60s	Travelers	$358
70s	Travelers	$421

Cheapest Car Insurance Rates for Teen Drivers in Fox Chapel,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Fox Chapel at $26 per month. At $3757 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$26
Auto-Owners Insurance Co	$175	$30
American National P&C	$231	$39
Chubb	$254	$43
Travelers	$727	$122
Erie	$890	$150
State Farm	$1218	$205
USAA	$1599	$266
Allstate	$2678	$455
Progressive	$3708	$618
Nationwide	$3757	$639

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 Fox Chapel.

As young drivers face the highest rates in Fox Chapel, Travelers offers the cheapest auto insurance rates at $575 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 Fox Chapel, Westfield is the cheapest car insurance provider. At $237 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 Fox Chapel is State Farm, offering rates of around $3254 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$237	$40
Auto-Owners Insurance Co	$243	$41
Chubb	$285	$48
American National P&C	$321	$55
USAA	$921	$153
Nationwide	$933	$157
Erie	$1484	$248
Travelers	$1684	$287
Allstate	$2266	$377
Progressive	$2496	$424
State Farm	$3254	$543

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Car Insurance Rates with An Accident in Fox Chapel

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fox Chapel

The cheapest car insurance companies after an at-fault accident in Fox Chapel include AutoOwners and Westfield, offering $79 and $212, respectively. Allstate is an expensive provider with an average six-month premium of $1381.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$79	$13
Westfield	$212	$36
Donegal	$237	$40
Auto-Owners Insurance Co	$243	$41
Chubb	$285	$48
American National P&C	$291	$49
Erie	$363	$61
Travelers	$437	$73
State Farm	$449	$75
USAA	$794	$134
Progressive	$855	$144
Nationwide	$1127	$188
Allstate	$1381	$235

Fox Chapel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fox Chapel PA. For example, the car insurance in Fox Chapel after a DUI increases to $1018 for a six month policy. While the rate increases by $1121 for a six-month policy in the case of a speeding ticket.

Fox Chapel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1121	$187
Cell phone violation	$1309	$222
Failure to wear a seat belt	$1309	$218
Failure to stop at a red light	$1321	$224
Illegal turn	$1321	$220
Improper passing	$1321	$224
Speeding in school zone	$1321	$220
Texting while driving	$1321	$224
Driving with expired registration	$1327	$221
Speeding 16 - 20 MPH over limit	$1327	$225
Wrong way/wrong lane	$1339	$223
Open container	$1418	$241
Reckless driving	$2067	$345
Racing	$2102	$357
DUI	$2139	$356
Driving with a suspended license	$2151	$366
Leaving scene of an accident/hit and run	$2170	$361

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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 Fox Chapel 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 Fox Chapel.

The cheapest car insurance premiums in Fox Chapel are offered by American National P&C at $327 for a six-month policy. However, it can be as expensive as $2539 with companies like Nationwide.

Fox Chapel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$327	$54
Travelers	$515	$87
Erie	$763	$129
Allstate	$975	$164
Progressive	$1030	$173
State Farm	$1036	$174
USAA	$1084	$183
Nationwide	$2539	$427

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 Fox Chapel are offered by Westfield at $128. However, it can be as expensive as $1642 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Fox Chapel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$128	$21
Auto-Owners Insurance Co	$163	$28
Erie	$466	$79
Travelers	$466	$79
State Farm	$533	$90
USAA	$1030	$175
Allstate	$1381	$231
Progressive	$1466	$249
Nationwide	$1642	$273

Car Insurance Price Trends in Fox Chapel, Pennsylvania

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

The average cost of full coverage in the Fox Chapel rose by $170 in December compared to $164 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Fox Chapel remained steady at $38 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 Fox Chapel?

The car insurance in Fox Chapel is $13 per month, which is lower than the national average.

What is the cheapest car insurance in Fox Chapel?

The cheapest car insurance in Fox Chapel is $62 per month for full coverage.

How much is car insurance in Fox Chapel for teenagers?

Car insurance for teenagers costs $152 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 Fox Chapel?

The average cost of car insurance is $787 for a six-month policy. It will cost around $135 per month to insure your car in Fox Chapel.

Is car insurance expensive in Fox Chapel?

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

Cheapest Car Insurance Quotes in Fox Chapel

Why you can trust Way?

How Much Is Car Insurance in Fox Chapel

Avg. Car Insurance in Fox Chapel

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Fox Chapel

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Fox Chapel Car Insurance Rates by Company

Cheap Car Insurance Companies in Fox Chapel, PA

Way's key takeaways about car insurance in Fox Chapel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fox Chapel

Cheapest Liability Coverage in Fox Chapel, PA

Cheapest Full Coverage Car Insurance in Fox Chapel

Cheapest Full Coverage Car Insurance Quotes in Fox Chapel, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fox Chapel by Rating Factor

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

Car Insurance Premiums by Age in Fox Chapel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fox Chapel,PA

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

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 Fox Chapel

Cheapest Car Insurance Companies after an At-Fault Accident in Fox Chapel

Fox Chapel Car Insurance Rates by Violation

Fox Chapel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fox Chapel after a DUI

Fox Chapel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fox Chapel after Speeding ticket

Car Insurance Price Trends in Fox Chapel, Pennsylvania

Average Car Insurance Cost in Fox Chapel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fox Chapel, PA

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

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