Cheapest Car Insurance Quotes in Merion Station

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Merion Station Car Insurance

^$ 18

/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 Merion Station

The car insurance rate in Merion Station is $1086 for a six-month policy, which is $299 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $508, making it a popular choice for budget-conscious drivers. Rates in Merion Station 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 Merion Station

$1086

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Merion Station

1st place: AutoOwners Insurance Co

At $508 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 $524 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 $705 for six months, making it the third cheapest auto insurance company in Merion Station.

Merion Station Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merion Station, PA is AutoOwners Insurance Co, offering policies at just $508 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $524.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1852 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merion Station drivers find the best deals.

Cheap Car Insurance Companies in Merion Station, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$508	$84
Auto-Owners	$524	$90
American National P&C	$705	$117
Travelers	$762	$128
Westfield	$845	$141
Erie	$1107	$186
State Farm	$1156	$195
Nationwide	$1188	$200
Encompass	$1344	$224
Allstate	$1459	$246
USAA	$1590	$268
Progressive	$1852	$312

Key Takeaways

Way's key takeaways about car insurance in Merion Station

The auto insurance costs in Merion Station fall around $508 for six months.
The cheapest auto insurance company in Merion Station is AutoOwners.
Teen drivers pay the highest rate in Merion Station at $864 per month.

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Cheapest Minimum Liability Car Insurance in Merion Station

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 Merion Station are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Merion Station. Their Average 6 Month Premium is $106. Allstate is the most expensive at $680 for the same period.

Cheapest Liability Coverage in Merion Station, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$106	$18
Westfield	$197	$33
Auto-Owners Insurance Co	$206	$35
Travelers	$246	$41
Erie	$262	$44
American National P&C	$270	$46
Chubb	$287	$48
State Farm	$344	$58
USAA	$344	$58
Progressive	$368	$62
Nationwide	$426	$70
Allstate	$680	$116

Cheapest Full Coverage Car Insurance in Merion Station

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 Merion Station is AutoOwners Insurance Co at $84 per month and $508 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merion Station, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$508	$84
Auto-Owners	$524	$90
American National P&C	$705	$117
Travelers	$762	$128
Westfield	$845	$141
Erie	$1107	$186
State Farm	$1156	$195
Nationwide	$1188	$200
Encompass	$1344	$224
Allstate	$1459	$246
USAA	$1590	$268
Progressive	$1852	$312

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Average Car Insurance in Merion Station 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 Merion Station, PA increasing?

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

Car Insurance Premiums by Age in Merion Station

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	$778
30s	Travelers	$538
40s	Travelers	$506
50s	Travelers	$484
60s	Travelers	$484
70s	Travelers	$570

Cheapest Car Insurance Rates for Teen Drivers in Merion Station,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Merion Station at $35 per month. At $5083 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$206	$35
Auto-Owners Insurance Co	$237	$40
American National P&C	$312	$52
Chubb	$344	$58
Travelers	$984	$166
Erie	$1205	$203
State Farm	$1648	$277
USAA	$2164	$360
Allstate	$3622	$615
Progressive	$5016	$836
Nationwide	$5083	$864

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 Merion Station.

As young drivers face the highest rates in Merion Station, Travelers offers the cheapest auto insurance rates at $778 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 Merion Station, Westfield is the cheapest car insurance provider. At $320 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 Merion Station is State Farm, offering rates of around $4402 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$320	$54
Auto-Owners Insurance Co	$328	$55
Chubb	$385	$65
American National P&C	$435	$75
USAA	$1246	$207
Nationwide	$1263	$213
Erie	$2008	$335
Travelers	$2278	$388
Allstate	$3066	$511
Progressive	$3377	$574
State Farm	$4402	$734

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Save up to $971/yr on car insurance rates in Merion Station.

Car Insurance Rates with An Accident in Merion Station

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

Cheapest Car Insurance Companies after an At-Fault Accident in Merion Station

The cheapest car insurance companies after an at-fault accident in Merion Station include AutoOwners and Westfield, offering $106 and $287, respectively. Allstate is an expensive provider with an average six-month premium of $1869.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$106	$18
Westfield	$287	$48
Donegal	$320	$54
Auto-Owners Insurance Co	$328	$55
Chubb	$385	$65
American National P&C	$393	$66
Erie	$491	$83
Travelers	$591	$99
State Farm	$607	$102
USAA	$1074	$181
Progressive	$1156	$195
Nationwide	$1525	$254
Allstate	$1869	$317

Merion Station Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merion Station PA. For example, the car insurance in Merion Station after a DUI increases to $1377 for a six month policy. While the rate increases by $1517 for a six-month policy in the case of a speeding ticket.

Merion Station auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1517	$253
Cell phone violation	$1771	$301
Failure to wear a seat belt	$1771	$295
Failure to stop at a red light	$1787	$304
Illegal turn	$1787	$298
Improper passing	$1787	$304
Speeding in school zone	$1787	$298
Texting while driving	$1787	$304
Driving with expired registration	$1795	$299
Speeding 16 - 20 MPH over limit	$1795	$305
Wrong way/wrong lane	$1812	$302
Open container	$1918	$326
Reckless driving	$2796	$466
Racing	$2844	$483
DUI	$2894	$482
Driving with a suspended license	$2910	$495
Leaving scene of an accident/hit and run	$2935	$489

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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 Merion Station 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 Merion Station.

The cheapest car insurance premiums in Merion Station are offered by American National P&C at $443 for a six-month policy. However, it can be as expensive as $3435 with companies like Nationwide.

Merion Station car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$443	$73
Travelers	$697	$117
Erie	$1032	$174
Allstate	$1319	$222
Progressive	$1394	$235
State Farm	$1402	$236
USAA	$1467	$247
Nationwide	$3435	$578

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 Merion Station are offered by Westfield at $173. However, it can be as expensive as $2222 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Merion Station after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Auto-Owners Insurance Co	$221	$37
Erie	$631	$106
Travelers	$631	$106
State Farm	$722	$121
USAA	$1394	$237
Allstate	$1869	$312
Progressive	$1983	$337
Nationwide	$2222	$370

Car Insurance Price Trends in Merion Station, Pennsylvania

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

The average cost of full coverage in the Merion Station rose by $230 in December compared to $222 of November. In other words, there has been an increase by $8 when you compare December and November.

The average cost of liability insurance in the Merion Station remained steady at $51 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 Merion Station?

The car insurance in Merion Station is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Merion Station?

The cheapest car insurance in Merion Station is $84 per month for full coverage.

How much is car insurance in Merion Station for teenagers?

Car insurance for teenagers costs $206 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 Merion Station?

The average cost of car insurance is $787 for a six-month policy. It will cost around $182 per month to insure your car in Merion Station.

Is car insurance expensive in Merion Station?

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

Cheapest Car Insurance Quotes in Merion Station

Why you can trust Way?

How Much Is Car Insurance in Merion Station

Avg. Car Insurance in Merion Station

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Merion Station

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Merion Station Car Insurance Rates by Company

Cheap Car Insurance Companies in Merion Station, PA

Way's key takeaways about car insurance in Merion Station

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Merion Station

Cheapest Liability Coverage in Merion Station, PA

Cheapest Full Coverage Car Insurance in Merion Station

Cheapest Full Coverage Car Insurance Quotes in Merion Station, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Merion Station by Rating Factor

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

Car Insurance Premiums by Age in Merion Station

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Merion Station,PA

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

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 Merion Station

Cheapest Car Insurance Companies after an At-Fault Accident in Merion Station

Merion Station Car Insurance Rates by Violation

Merion Station auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Merion Station after a DUI

Merion Station car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Merion Station after Speeding ticket

Car Insurance Price Trends in Merion Station, Pennsylvania

Average Car Insurance Cost in Merion Station by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Merion Station, PA

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

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