Cheapest Car Insurance Quotes in McElhattan

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McElhattan 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 McElhattan

The car insurance rate in McElhattan is $667 for a six-month policy, which is $146 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 McElhattan 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 McElhattan

$667

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in McElhattan

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: Westfield

Westfield offers auto insurance rates at $502 for six months, making it the third cheapest auto insurance company in McElhattan.

McElhattan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McElhattan, 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 McElhattan drivers find the best deals.

Cheap Car Insurance Companies in McElhattan, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$302	$50
American National P&C	$419	$71
Westfield	$502	$84
Travelers	$540	$91
Erie	$658	$111
Nationwide	$765	$129
State Farm	$779	$131
Allstate	$867	$146
USAA	$921	$155
Progressive	$1145	$193
Auto-Owners	$312	$53
Encompass	$799	$133

Key Takeaways

Way's key takeaways about car insurance in McElhattan

The auto insurance costs in McElhattan fall around $302 for six months.
The cheapest auto insurance company in McElhattan is Westfield.
Teen drivers pay the highest rate in McElhattan at $596 per month.

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Cheapest Minimum Liability Car Insurance in McElhattan

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 McElhattan are given below.

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

Cheapest Liability Coverage in McElhattan, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$117	$20
Auto-Owners Insurance Co	$122	$21
Erie	$156	$26
American National P&C	$161	$27
Chubb	$171	$29
Travelers	$180	$30
USAA	$214	$36
State Farm	$224	$38
Nationwide	$287	$48
Progressive	$326	$55
Allstate	$439	$74
Auto-Owners	$63	$11

Cheapest Full Coverage Car Insurance in McElhattan

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

Cheapest Full Coverage Car Insurance Quotes in McElhattan, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$302	$50
American National P&C	$419	$71
Westfield	$502	$84
Travelers	$540	$91
Erie	$658	$111
Nationwide	$765	$129
State Farm	$779	$131
Allstate	$867	$146
USAA	$921	$155
Progressive	$1145	$193
Auto-Owners	$312	$53
Encompass	$799	$133

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Average Car Insurance in McElhattan 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 McElhattan, PA increasing?

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

Car Insurance Premiums by Age in McElhattan

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

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Cheapest Car Insurance Rates for Teen Drivers in McElhattan,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the McElhattan at $21 per month. At $3575 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
Erie	$838	$141
Travelers	$964	$162
State Farm	$1388	$234
USAA	$1622	$276
Allstate	$2114	$353
Progressive	$2119	$360
Nationwide	$3575	$596

Teen Car Insurance Rates in PA by Age

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 McElhattan, 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 McElhattan is State Farm, offering rates of around $3887 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	$833	$139
Nationwide	$867	$146
Erie	$1519	$253
Allstate	$1831	$312
Travelers	$1997	$333
Progressive	$2231	$380
State Farm	$3887	$648

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Car Insurance Rates with An Accident in McElhattan

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

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

The cheapest car insurance companies after an at-fault accident in McElhattan 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	$390	$66
State Farm	$453	$76
Travelers	$540	$91
USAA	$701	$118
Nationwide	$1077	$183
Allstate	$1110	$185
Progressive	$1315	$224
Auto-Owners	$63	$11
Donegal	$190	$32

McElhattan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McElhattan PA. For example, the car insurance in McElhattan 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.

McElhattan 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

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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 McElhattan 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 McElhattan.

The cheapest car insurance premiums in McElhattan are offered by American National P&C at $263 for a six-month policy. However, it can be as expensive as $2265 with companies like Nationwide.

McElhattan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$263	$43
Travelers	$565	$95
Erie	$706	$119
Allstate	$784	$132
Progressive	$857	$144
State Farm	$999	$168
USAA	$1004	$169
Nationwide	$2265	$381

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 McElhattan are offered by Westfield at $103. However, it can be as expensive as $1579 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in McElhattan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$103	$17
Auto-Owners Insurance Co	$131	$22
Erie	$453	$76
State Farm	$580	$98
Travelers	$628	$106
USAA	$931	$155
Allstate	$1110	$189
Progressive	$1335	$222
Nationwide	$1579	$268

Car Insurance Price Trends in McElhattan, Pennsylvania

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

The average cost of full coverage in the McElhattan rose by $150 in January compared to $139 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the McElhattan rose to $37 in January, compared to $31 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in McElhattan?

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

What is the cheapest car insurance in McElhattan?

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

How much is car insurance in McElhattan 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 McElhattan?

The average cost of car insurance is $813 for a six-month policy. It will cost around $112 per month to insure your car in McElhattan.

Is car insurance expensive in McElhattan?

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

Cheapest Car Insurance Quotes in McElhattan

Why you can trust Way?

How Much Is Car Insurance in McElhattan

Avg. Car Insurance in McElhattan

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in McElhattan

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

McElhattan Car Insurance Rates by Company

Cheap Car Insurance Companies in McElhattan, PA

Way's key takeaways about car insurance in McElhattan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in McElhattan

Cheapest Liability Coverage in McElhattan, PA

Cheapest Full Coverage Car Insurance in McElhattan

Cheapest Full Coverage Car Insurance Quotes in McElhattan, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in McElhattan by Rating Factor

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

Car Insurance Premiums by Age in McElhattan

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in McElhattan,PA

If you are in your twenties N/A is the best choice for car insurance in McElhattan.

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 McElhattan

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

McElhattan Car Insurance Rates by Violation

McElhattan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in McElhattan after a DUI

McElhattan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in McElhattan after Speeding ticket

Car Insurance Price Trends in McElhattan, Pennsylvania

Average Car Insurance Cost in McElhattan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near McElhattan, PA

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

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Data Sources