Cheapest Car Insurance Quotes in Hawthorn

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Hawthorn Car Insurance

^$ 20

/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 Hawthorn

The car insurance rate in Hawthorn is $1228 for a six-month policy, which is $441 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $574, making it a popular choice for budget-conscious drivers. Rates in Hawthorn 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 Hawthorn

$1228

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Hawthorn

1st place: AutoOwners Insurance Co

At $574 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 $593 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 $797 for six months, making it the third cheapest auto insurance company in Hawthorn.

Hawthorn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hawthorn, PA is AutoOwners Insurance Co, offering policies at just $574 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $593.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $2094 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hawthorn drivers find the best deals.

Cheap Car Insurance Companies in Hawthorn, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$574	$95
Auto-Owners	$593	$101
American National P&C	$797	$133
Travelers	$861	$145
Westfield	$955	$159
Erie	$1251	$211
State Farm	$1307	$220
Nationwide	$1343	$226
Encompass	$1519	$253
Allstate	$1649	$278
USAA	$1797	$303
Progressive	$2094	$353

Key Takeaways

Way's key takeaways about car insurance in Hawthorn

The auto insurance costs in Hawthorn fall around $574 for six months.
The cheapest auto insurance company in Hawthorn is AutoOwners.
Teen drivers pay the highest rate in Hawthorn at $977 per month.

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Cheapest Minimum Liability Car Insurance in Hawthorn

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 Hawthorn are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Hawthorn. Their Average 6 Month Premium is $120. Allstate is the most expensive at $769 for the same period.

Cheapest Liability Coverage in Hawthorn, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$120	$20
Westfield	$223	$37
Auto-Owners Insurance Co	$232	$39
Travelers	$278	$47
Erie	$296	$50
American National P&C	$306	$51
Chubb	$324	$55
State Farm	$388	$66
USAA	$388	$66
Progressive	$417	$70
Nationwide	$482	$80
Allstate	$769	$131

Cheapest Full Coverage Car Insurance in Hawthorn

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 Hawthorn is AutoOwners Insurance Co at $95 per month and $574 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hawthorn, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$574	$95
Auto-Owners	$593	$101
American National P&C	$797	$133
Travelers	$861	$145
Westfield	$955	$159
Erie	$1251	$211
State Farm	$1307	$220
Nationwide	$1343	$226
Encompass	$1519	$253
Allstate	$1649	$278
USAA	$1797	$303
Progressive	$2094	$353

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Average Car Insurance in Hawthorn 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 Hawthorn, PA increasing?

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

Car Insurance Premiums by Age in Hawthorn

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	$880
30s	Travelers	$608
40s	Travelers	$573
50s	Travelers	$548
60s	Travelers	$548
70s	Travelers	$644

Cheapest Car Insurance Rates for Teen Drivers in Hawthorn,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hawthorn at $39 per month. At $5745 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$232	$39
Auto-Owners Insurance Co	$268	$45
American National P&C	$353	$59
Chubb	$388	$66
Travelers	$1112	$187
Erie	$1362	$229
State Farm	$1863	$314
USAA	$2446	$407
Allstate	$4095	$696
Progressive	$5671	$945
Nationwide	$5745	$977

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 Hawthorn.

As young drivers face the highest rates in Hawthorn, Travelers offers the cheapest auto insurance rates at $880 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 Hawthorn, Westfield is the cheapest car insurance provider. At $362 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 Hawthorn is State Farm, offering rates of around $4976 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$362	$61
Auto-Owners Insurance Co	$371	$62
Chubb	$435	$73
American National P&C	$491	$84
USAA	$1409	$234
Nationwide	$1427	$240
Erie	$2270	$379
Travelers	$2576	$438
Allstate	$3466	$577
Progressive	$3817	$649
State Farm	$4976	$830

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Car Insurance Rates with An Accident in Hawthorn

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

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

The cheapest car insurance companies after an at-fault accident in Hawthorn include AutoOwners and Westfield, offering $120 and $324, respectively. Allstate is an expensive provider with an average six-month premium of $2112.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$120	$20
Westfield	$324	$55
Donegal	$362	$61
Auto-Owners Insurance Co	$371	$62
Chubb	$435	$73
American National P&C	$445	$75
Erie	$555	$94
Travelers	$668	$112
State Farm	$686	$115
USAA	$1214	$204
Progressive	$1307	$220
Nationwide	$1724	$287
Allstate	$2112	$359

Hawthorn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hawthorn PA. For example, the car insurance in Hawthorn after a DUI increases to $1557 for a six month policy. While the rate increases by $1714 for a six-month policy in the case of a speeding ticket.

Hawthorn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1714	$285
Cell phone violation	$2001	$340
Failure to wear a seat belt	$2001	$334
Failure to stop at a red light	$2020	$343
Illegal turn	$2020	$337
Improper passing	$2020	$343
Speeding in school zone	$2020	$337
Texting while driving	$2020	$343
Driving with expired registration	$2030	$339
Speeding 16 - 20 MPH over limit	$2030	$345
Wrong way/wrong lane	$2048	$342
Open container	$2168	$368
Reckless driving	$3161	$527
Racing	$3215	$546
DUI	$3271	$544
Driving with a suspended license	$3290	$560
Leaving scene of an accident/hit and run	$3318	$552

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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 Hawthorn 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 Hawthorn.

The cheapest car insurance premiums in Hawthorn are offered by American National P&C at $501 for a six-month policy. However, it can be as expensive as $3883 with companies like Nationwide.

Hawthorn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$501	$83
Travelers	$788	$133
Erie	$1167	$197
Allstate	$1491	$251
Progressive	$1576	$265
State Farm	$1585	$267
USAA	$1658	$279
Nationwide	$3883	$654

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 Hawthorn are offered by Westfield at $195. However, it can be as expensive as $2512 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Hawthorn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$195	$33
Auto-Owners Insurance Co	$250	$42
Erie	$713	$120
Travelers	$713	$120
State Farm	$816	$137
USAA	$1576	$268
Allstate	$2112	$353
Progressive	$2242	$381
Nationwide	$2512	$418

Car Insurance Price Trends in Hawthorn, Pennsylvania

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

The average cost of full coverage in the Hawthorn rose by $261 in December compared to $251 of November. In other words, there has been an increase by $10 when you compare December and November.

The average cost of liability insurance in the Hawthorn remained steady at $58 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 Hawthorn?

The car insurance in Hawthorn is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Hawthorn?

The cheapest car insurance in Hawthorn is $95 per month for full coverage.

How much is car insurance in Hawthorn for teenagers?

Car insurance for teenagers costs $232 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 Hawthorn?

The average cost of car insurance is $787 for a six-month policy. It will cost around $206 per month to insure your car in Hawthorn.

Is car insurance expensive in Hawthorn?

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

Cheapest Car Insurance Quotes in Hawthorn

Why you can trust Way?

How Much Is Car Insurance in Hawthorn

Avg. Car Insurance in Hawthorn

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Hawthorn

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Hawthorn Car Insurance Rates by Company

Cheap Car Insurance Companies in Hawthorn, PA

Way's key takeaways about car insurance in Hawthorn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hawthorn

Cheapest Liability Coverage in Hawthorn, PA

Cheapest Full Coverage Car Insurance in Hawthorn

Cheapest Full Coverage Car Insurance Quotes in Hawthorn, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hawthorn by Rating Factor

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

Car Insurance Premiums by Age in Hawthorn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hawthorn,PA

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

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 Hawthorn

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

Hawthorn Car Insurance Rates by Violation

Hawthorn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hawthorn after a DUI

Hawthorn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hawthorn after Speeding ticket

Car Insurance Price Trends in Hawthorn, Pennsylvania

Average Car Insurance Cost in Hawthorn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hawthorn, PA

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

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