Cheapest Car Insurance Quotes in Hummels Wharf

Finding the cheapest car insurance quotes in Hummels Wharf 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

401,895 Policies Sold

Hummels Wharf 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 Hummels Wharf

The car insurance rate in Hummels Wharf is $639 for a six-month policy, which is $140 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $302, making it a popular choice for budget-conscious drivers. Rates in Hummels Wharf 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 Hummels Wharf

$639

Avg. Car Insurance in Pennsylvania

$779

National Average

$1140

Cheapest Car Insurance Companies in Hummels Wharf

1st place: AutoOwners Insurance Co

At $302 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 $419 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $453 for six months, making it the third cheapest auto insurance company in Hummels Wharf.

Hummels Wharf Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hummels Wharf, PA is AutoOwners Insurance Co, offering policies at just $302 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $419.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $799 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hummels Wharf drivers find the best deals.

Cheap Car Insurance Companies in Hummels Wharf, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$302	$50
American National P&C	$419	$71
Travelers	$453	$76
Westfield	$502	$85
Erie	$623	$105
State Farm	$687	$116
Nationwide	$726	$122
Allstate	$867	$146
USAA	$877	$148
Progressive	$1100	$185
Auto-Owners	$312	$53
Encompass	$799	$133

Key Takeaways

Way's key takeaways about car insurance in Hummels Wharf

The auto insurance costs in Hummels Wharf fall around $302 for six months.
The cheapest auto insurance company in Hummels Wharf is Westfield.
Teen drivers pay the highest rate in Hummels Wharf at $503 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 Hummels Wharf

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 Hummels Wharf are given below.

Westfield provides the cheapest minimum car insurance coverage in Hummels Wharf. Their Average 6 Month Premium is $117. AutoOwners is the most expensive at $63 for the same period.

Cheapest Liability Coverage in Hummels Wharf, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$117	$20
Auto-Owners Insurance Co	$122	$21
Travelers	$146	$25
Erie	$156	$26
American National P&C	$161	$27
Chubb	$171	$29
State Farm	$204	$34
USAA	$219	$37
Progressive	$248	$41
Nationwide	$253	$43
Allstate	$404	$67
Auto-Owners	$63	$11

Cheapest Full Coverage Car Insurance in Hummels Wharf

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 Hummels Wharf is AutoOwners Insurance Co at $50 per month and $302 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hummels Wharf, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$302	$50
American National P&C	$419	$71
Travelers	$453	$76
Westfield	$502	$85
Erie	$623	$105
State Farm	$687	$116
Nationwide	$726	$122
Allstate	$867	$146
USAA	$877	$148
Progressive	$1100	$185
Auto-Owners	$312	$53
Encompass	$799	$133

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Hummels Wharf Instantly!

Average Car Insurance in Hummels Wharf 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 Hummels Wharf, PA increasing?

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

Car Insurance Premiums by Age in Hummels Wharf

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	$462
30s	Travelers	$320
40s	Travelers	$301
50s	Travelers	$288
60s	Travelers	$288
70s	Travelers	$339

Cheapest Car Insurance Rates for Teen Drivers in Hummels Wharf,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hummels Wharf at $21 per month. At $3020 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$122	$21
Auto-Owners Insurance Co	$141	$24
American National P&C	$185	$31
Chubb	$204	$34
Travelers	$585	$98
Erie	$716	$121
State Farm	$979	$165
USAA	$1286	$219
Allstate	$2153	$359
Progressive	$2981	$507
Nationwide	$3020	$503

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 Hummels Wharf.

As young drivers face the highest rates in Hummels Wharf, Travelers offers the cheapest auto insurance rates at $462 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 Hummels Wharf, Westfield is the cheapest car insurance provider. At $190 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 Hummels Wharf is State Farm, offering rates of around $2616 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$190	$32
Auto-Owners Insurance Co	$195	$33
Chubb	$229	$39
American National P&C	$258	$44
USAA	$740	$123
Nationwide	$750	$126
Erie	$1193	$199
Travelers	$1354	$230
Allstate	$1822	$303
Progressive	$2007	$341
State Farm	$2616	$436

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Hummels Wharf

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hummels Wharf

The cheapest car insurance companies after an at-fault accident in Hummels Wharf include Westfield and AutoOwners Insurance Co, offering $171 and $195, respectively. Donegal is an expensive provider with an average six-month premium of $190.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$171	$29
Auto-Owners Insurance Co	$195	$33
Chubb	$229	$39
American National P&C	$234	$39
Erie	$336	$57
Travelers	$351	$59
State Farm	$361	$61
USAA	$638	$107
Nationwide	$906	$154
Allstate	$1110	$185
Progressive	$1178	$200
Auto-Owners	$63	$11
Donegal	$190	$32

Hummels Wharf Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hummels Wharf PA. For example, the car insurance in Hummels Wharf after a DUI increases to $819 for a six month policy. While the rate increases by $901 for a six-month policy in the case of a speeding ticket.

Hummels Wharf auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$901	$150
Cell phone violation	$1052	$179
Failure to wear a seat belt	$1052	$175
Failure to stop at a red light	$1062	$180
Illegal turn	$1062	$177
Improper passing	$1062	$180
Speeding in school zone	$1062	$177
Texting while driving	$1062	$180
Driving with expired registration	$1067	$178
Speeding 16 - 20 MPH over limit	$1067	$181
Wrong way/wrong lane	$1077	$180
Open container	$1140	$194
Reckless driving	$1661	$277
Racing	$1690	$287
DUI	$1720	$286
Driving with a suspended license	$1729	$294
Leaving scene of an accident/hit and run	$1744	$290

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 Hummels Wharf 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 Hummels Wharf.

The cheapest car insurance premiums in Hummels Wharf are offered by American National P&C at $263 for a six-month policy. However, it can be as expensive as $2041 with companies like Nationwide.

Hummels Wharf car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$263	$43
Travelers	$414	$70
Erie	$613	$103
Allstate	$784	$132
Progressive	$828	$139
State Farm	$833	$140
USAA	$872	$147
Nationwide	$2041	$344

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 Hummels Wharf are offered by Westfield at $103. However, it can be as expensive as $1320 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Hummels Wharf after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$103	$17
Auto-Owners Insurance Co	$131	$22
Erie	$375	$63
Travelers	$375	$63
State Farm	$429	$72
USAA	$828	$138
Allstate	$1110	$189
Progressive	$1178	$197
Nationwide	$1320	$225

Car Insurance Price Trends in Hummels Wharf, Pennsylvania

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

The average cost of full coverage in the Hummels Wharf rose by $139 in January compared to $137 of December. In other words, there has been an increase by $2 when you compare January and December.

The average cost of liability insurance in the Hummels Wharf rose to $31 in January, compared to $30 in December. This represents an increase of $1 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 Hummels Wharf?

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

What is the cheapest car insurance in Hummels Wharf?

The cheapest car insurance in Hummels Wharf is $50 per month for full coverage.

How much is car insurance in Hummels Wharf for teenagers?

Car insurance for teenagers costs $122 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 Hummels Wharf?

The average cost of car insurance is $779 for a six-month policy. It will cost around $107 per month to insure your car in Hummels Wharf.

Is car insurance expensive in Hummels Wharf?

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

Cheapest Car Insurance Quotes in Hummels Wharf

Why you can trust Way?

How Much Is Car Insurance in Hummels Wharf

Avg. Car Insurance in Hummels Wharf

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Hummels Wharf

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Travelers

Hummels Wharf Car Insurance Rates by Company

Cheap Car Insurance Companies in Hummels Wharf, PA

Way's key takeaways about car insurance in Hummels Wharf

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hummels Wharf

Cheapest Liability Coverage in Hummels Wharf, PA

Cheapest Full Coverage Car Insurance in Hummels Wharf

Cheapest Full Coverage Car Insurance Quotes in Hummels Wharf, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hummels Wharf by Rating Factor

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

Car Insurance Premiums by Age in Hummels Wharf

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hummels Wharf,PA

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

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 Hummels Wharf

Cheapest Car Insurance Companies after an At-Fault Accident in Hummels Wharf

Hummels Wharf Car Insurance Rates by Violation

Hummels Wharf auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hummels Wharf after a DUI

Hummels Wharf car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hummels Wharf after Speeding ticket

Car Insurance Price Trends in Hummels Wharf, Pennsylvania

Average Car Insurance Cost in Hummels Wharf by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hummels Wharf, PA

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

Featured Blogs

Data Sources