Cheapest Car Insurance Quotes in Mont Clare

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Mont Clare Car Insurance

^$ 14

/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 Mont Clare

The car insurance rate in Mont Clare is $834 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Mont Clare 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 Mont Clare

$834

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Mont Clare

1st place: AutoOwners Insurance Co

At $390 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 $403 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 $542 for six months, making it the third cheapest auto insurance company in Mont Clare.

Mont Clare Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mont Clare, PA is AutoOwners Insurance Co, offering policies at just $390 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $403.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1423 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mont Clare drivers find the best deals.

Cheap Car Insurance Companies in Mont Clare, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$390	$65
Auto-Owners	$403	$69
American National P&C	$542	$90
Travelers	$585	$99
Westfield	$649	$108
Erie	$850	$143
State Farm	$888	$149
Nationwide	$913	$154
Encompass	$1032	$172
Allstate	$1120	$189
USAA	$1221	$206
Progressive	$1423	$240

Key Takeaways

Way's key takeaways about car insurance in Mont Clare

The auto insurance costs in Mont Clare fall around $390 for six months.
The cheapest auto insurance company in Mont Clare is AutoOwners.
Teen drivers pay the highest rate in Mont Clare at $664 per month.

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Cheapest Minimum Liability Car Insurance in Mont Clare

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 Mont Clare are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Mont Clare. Their Average 6 Month Premium is $82. Allstate is the most expensive at $523 for the same period.

Cheapest Liability Coverage in Mont Clare, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$82	$14
Westfield	$152	$25
Auto-Owners Insurance Co	$158	$27
Travelers	$189	$32
Erie	$201	$34
American National P&C	$208	$35
Chubb	$220	$37
State Farm	$264	$45
USAA	$264	$45
Progressive	$283	$48
Nationwide	$328	$54
Allstate	$523	$89

Cheapest Full Coverage Car Insurance in Mont Clare

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 Mont Clare is AutoOwners Insurance Co at $65 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mont Clare, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$390	$65
Auto-Owners	$403	$69
American National P&C	$542	$90
Travelers	$585	$99
Westfield	$649	$108
Erie	$850	$143
State Farm	$888	$149
Nationwide	$913	$154
Encompass	$1032	$172
Allstate	$1120	$189
USAA	$1221	$206
Progressive	$1423	$240

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Average Car Insurance in Mont Clare 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 Mont Clare, PA increasing?

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

Car Insurance Premiums by Age in Mont Clare

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	$598
30s	Travelers	$413
40s	Travelers	$389
50s	Travelers	$372
60s	Travelers	$372
70s	Travelers	$438

Cheapest Car Insurance Rates for Teen Drivers in Mont Clare,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mont Clare at $27 per month. At $3904 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$27
Auto-Owners Insurance Co	$182	$31
American National P&C	$240	$40
Chubb	$264	$45
Travelers	$756	$127
Erie	$925	$156
State Farm	$1266	$213
USAA	$1662	$277
Allstate	$2783	$473
Progressive	$3853	$642
Nationwide	$3904	$664

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 Mont Clare.

As young drivers face the highest rates in Mont Clare, Travelers offers the cheapest auto insurance rates at $598 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 Mont Clare, Westfield is the cheapest car insurance provider. At $246 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 Mont Clare is State Farm, offering rates of around $3381 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$246	$41
Auto-Owners Insurance Co	$252	$42
Chubb	$296	$50
American National P&C	$334	$57
USAA	$957	$159
Nationwide	$970	$163
Erie	$1542	$258
Travelers	$1750	$298
Allstate	$2355	$392
Progressive	$2594	$441
State Farm	$3381	$564

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Car Insurance Rates with An Accident in Mont Clare

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mont Clare

The cheapest car insurance companies after an at-fault accident in Mont Clare include AutoOwners and Westfield, offering $82 and $220, respectively. Allstate is an expensive provider with an average six-month premium of $1435.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$82	$14
Westfield	$220	$37
Donegal	$246	$41
Auto-Owners Insurance Co	$252	$42
Chubb	$296	$50
American National P&C	$302	$51
Erie	$377	$64
Travelers	$454	$76
State Farm	$466	$78
USAA	$825	$139
Progressive	$888	$149
Nationwide	$1171	$195
Allstate	$1435	$244

Mont Clare Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mont Clare PA. For example, the car insurance in Mont Clare after a DUI increases to $1058 for a six month policy. While the rate increases by $1165 for a six-month policy in the case of a speeding ticket.

Mont Clare auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1165	$194
Cell phone violation	$1360	$231
Failure to wear a seat belt	$1360	$227
Failure to stop at a red light	$1373	$233
Illegal turn	$1373	$229
Improper passing	$1373	$233
Speeding in school zone	$1373	$229
Texting while driving	$1373	$233
Driving with expired registration	$1379	$230
Speeding 16 - 20 MPH over limit	$1379	$234
Wrong way/wrong lane	$1392	$232
Open container	$1473	$250
Reckless driving	$2148	$358
Racing	$2185	$371
DUI	$2223	$370
Driving with a suspended license	$2236	$381
Leaving scene of an accident/hit and run	$2255	$375

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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 Mont Clare 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 Mont Clare.

The cheapest car insurance premiums in Mont Clare are offered by American National P&C at $340 for a six-month policy. However, it can be as expensive as $2638 with companies like Nationwide.

Mont Clare car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$340	$56
Travelers	$535	$90
Erie	$793	$134
Allstate	$1013	$171
Progressive	$1071	$180
State Farm	$1077	$181
USAA	$1127	$190
Nationwide	$2638	$444

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 Mont Clare are offered by Westfield at $133. However, it can be as expensive as $1707 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Mont Clare after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
Auto-Owners Insurance Co	$170	$29
Erie	$484	$82
Travelers	$484	$82
State Farm	$554	$93
USAA	$1071	$182
Allstate	$1435	$240
Progressive	$1523	$259
Nationwide	$1707	$284

Car Insurance Price Trends in Mont Clare, Pennsylvania

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

The average cost of full coverage in the Mont Clare rose by $177 in December compared to $171 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Mont Clare remained steady at $39 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 Mont Clare?

The car insurance in Mont Clare is $14 per month, which is lower than the national average.

What is the cheapest car insurance in Mont Clare?

The cheapest car insurance in Mont Clare is $65 per month for full coverage.

How much is car insurance in Mont Clare for teenagers?

Car insurance for teenagers costs $158 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 Mont Clare?

The average cost of car insurance is $787 for a six-month policy. It will cost around $140 per month to insure your car in Mont Clare.

Is car insurance expensive in Mont Clare?

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

Cheapest Car Insurance Quotes in Mont Clare

Why you can trust Way?

How Much Is Car Insurance in Mont Clare

Avg. Car Insurance in Mont Clare

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Mont Clare

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Mont Clare Car Insurance Rates by Company

Cheap Car Insurance Companies in Mont Clare, PA

Way's key takeaways about car insurance in Mont Clare

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mont Clare

Cheapest Liability Coverage in Mont Clare, PA

Cheapest Full Coverage Car Insurance in Mont Clare

Cheapest Full Coverage Car Insurance Quotes in Mont Clare, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mont Clare by Rating Factor

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

Car Insurance Premiums by Age in Mont Clare

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mont Clare,PA

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

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 Mont Clare

Cheapest Car Insurance Companies after an At-Fault Accident in Mont Clare

Mont Clare Car Insurance Rates by Violation

Mont Clare auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mont Clare after a DUI

Mont Clare car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mont Clare after Speeding ticket

Car Insurance Price Trends in Mont Clare, Pennsylvania

Average Car Insurance Cost in Mont Clare by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mont Clare, PA

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

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