Cheapest Car Insurance Quotes in Merion Station

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Merion Station Car Insurance

^$ 33

/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 $1130 for a six-month policy, which is $317 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $512, 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

$1130

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Merion Station

1st place: AutoOwners Insurance Co

At $512 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 $710 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $851 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 $512 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $710.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1354 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	$512	$85
American National P&C	$710	$121
Westfield	$851	$142
Travelers	$916	$154
Erie	$1115	$188
Nationwide	$1297	$218
State Farm	$1321	$222
Allstate	$1469	$247
USAA	$1561	$263
Progressive	$1940	$327
Auto-Owners	$528	$90
Encompass	$1354	$225

Key Takeaways

Way's key takeaways about car insurance in Merion Station

The auto insurance costs in Merion Station fall around $512 for six months.
The cheapest auto insurance company in Merion Station is Westfield.
Teen drivers pay the highest rate in Merion Station at $1011 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.

Westfield provides the cheapest minimum car insurance coverage in Merion Station. Their Average 6 Month Premium is $199. AutoOwners is the most expensive at $107 for the same period.

Cheapest Liability Coverage in Merion Station, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$199	$33
Auto-Owners Insurance Co	$207	$35
Erie	$264	$44
American National P&C	$272	$46
Chubb	$289	$49
Travelers	$306	$51
USAA	$363	$61
State Farm	$379	$64
Nationwide	$486	$82
Progressive	$553	$93
Allstate	$744	$125
Auto-Owners	$107	$18

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 $85 per month and $512 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	$512	$85
American National P&C	$710	$121
Westfield	$851	$142
Travelers	$916	$154
Erie	$1115	$188
Nationwide	$1297	$218
State Farm	$1321	$222
Allstate	$1469	$247
USAA	$1561	$263
Progressive	$1940	$327
Auto-Owners	$528	$90
Encompass	$1354	$225

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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

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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 $6060 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$207	$35
Auto-Owners Insurance Co	$239	$40
American National P&C	$314	$53
Chubb	$346	$58
Erie	$1421	$239
Travelers	$1635	$275
State Farm	$2353	$396
USAA	$2749	$467
Allstate	$3583	$598
Progressive	$3592	$610
Nationwide	$6060	$1011

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 Merion Station, Westfield is the cheapest car insurance provider. At $322 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 $6589 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$322	$54
Auto-Owners Insurance Co	$331	$56
Chubb	$388	$65
American National P&C	$438	$75
USAA	$1412	$235
Nationwide	$1469	$247
Erie	$2576	$430
Allstate	$3104	$528
Travelers	$3385	$564
Progressive	$3782	$644
State Farm	$6589	$1098

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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 Westfield and AutoOwners Insurance Co, offering $289 and $331, respectively. Donegal is an expensive provider with an average six-month premium of $322.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$289	$49
Auto-Owners Insurance Co	$331	$56
Chubb	$388	$65
American National P&C	$396	$67
Erie	$660	$111
State Farm	$767	$129
Travelers	$916	$154
USAA	$1188	$200
Nationwide	$1825	$310
Allstate	$1882	$314
Progressive	$2230	$379
Auto-Owners	$107	$18
Donegal	$322	$54

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 $1387 for a six month policy. While the rate increases by $1528 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	$1528	$254
Cell phone violation	$1783	$303
Failure to wear a seat belt	$1783	$297
Failure to stop at a red light	$1800	$306
Illegal turn	$1800	$300
Improper passing	$1800	$306
Speeding in school zone	$1800	$300
Texting while driving	$1800	$306
Driving with expired registration	$1808	$302
Speeding 16 - 20 MPH over limit	$1808	$307
Wrong way/wrong lane	$1825	$304
Open container	$1932	$328
Reckless driving	$2816	$470
Racing	$2865	$486
DUI	$2915	$485
Driving with a suspended license	$2932	$499
Leaving scene of an accident/hit and run	$2957	$492

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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 $446 for a six-month policy. However, it can be as expensive as $3839 with companies like Nationwide.

Merion Station car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$446	$74
Travelers	$958	$161
Erie	$1197	$202
Allstate	$1329	$224
Progressive	$1453	$245
State Farm	$1693	$285
USAA	$1701	$286
Nationwide	$3839	$646

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 $174. However, it can be as expensive as $2676 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	$174	$29
Auto-Owners Insurance Co	$222	$38
Erie	$767	$129
State Farm	$983	$165
Travelers	$1065	$179
USAA	$1578	$263
Allstate	$1882	$320
Progressive	$2263	$377
Nationwide	$2676	$455

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 $254 in January compared to $235 of December. In other words, there has been an increase by $19 when you compare January and December.

The average cost of liability insurance in the Merion Station rose to $63 in January, compared to $53 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Merion Station?

The car insurance in Merion Station is $33 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 $85 per month for full coverage.

How much is car insurance in Merion Station for teenagers?

Car insurance for teenagers costs $207 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 $813 for a six-month policy. It will cost around $189 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: American National P&C

3rd place: Westfield

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 N/A 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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