Cheapest Car Insurance Quotes in Mont Clare

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Mont Clare Car Insurance

^$ 26

/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 $870 for a six-month policy, which is $57 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, 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

$870

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Mont Clare

1st place: AutoOwners Insurance Co

At $394 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 $547 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $655 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 $394 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $547.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1042 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	$394	$65
American National P&C	$547	$93
Westfield	$655	$109
Travelers	$705	$119
Erie	$858	$144
Nationwide	$998	$168
State Farm	$1017	$171
Allstate	$1131	$190
USAA	$1202	$202
Progressive	$1494	$251
Auto-Owners	$407	$70
Encompass	$1042	$173

Key Takeaways

Way's key takeaways about car insurance in Mont Clare

The auto insurance costs in Mont Clare fall around $394 for six months.
The cheapest auto insurance company in Mont Clare is Westfield.
Teen drivers pay the highest rate in Mont Clare at $778 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.

Westfield provides the cheapest minimum car insurance coverage in Mont Clare. Their Average 6 Month Premium is $153. AutoOwners is the most expensive at $82 for the same period.

Cheapest Liability Coverage in Mont Clare, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Auto-Owners Insurance Co	$159	$27
Erie	$203	$34
American National P&C	$210	$35
Chubb	$223	$37
Travelers	$235	$40
USAA	$279	$47
State Farm	$292	$49
Nationwide	$375	$63
Progressive	$426	$72
Allstate	$572	$96
Auto-Owners	$82	$14

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 $394 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	$394	$65
American National P&C	$547	$93
Westfield	$655	$109
Travelers	$705	$119
Erie	$858	$144
Nationwide	$998	$168
State Farm	$1017	$171
Allstate	$1131	$190
USAA	$1202	$202
Progressive	$1494	$251
Auto-Owners	$407	$70
Encompass	$1042	$173

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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

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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 $4665 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
Auto-Owners Insurance Co	$184	$31
American National P&C	$242	$41
Chubb	$266	$45
Erie	$1094	$184
Travelers	$1258	$212
State Farm	$1812	$305
USAA	$2116	$360
Allstate	$2758	$460
Progressive	$2765	$470
Nationwide	$4665	$778

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 Mont Clare, Westfield is the cheapest car insurance provider. At $248 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 $5072 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$248	$42
Auto-Owners Insurance Co	$255	$43
Chubb	$299	$50
American National P&C	$337	$58
USAA	$1087	$181
Nationwide	$1131	$190
Erie	$1983	$331
Allstate	$2389	$407
Travelers	$2605	$434
Progressive	$2911	$495
State Farm	$5072	$845

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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 Westfield and AutoOwners Insurance Co, offering $223 and $255, respectively. Donegal is an expensive provider with an average six-month premium of $248.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$223	$37
Auto-Owners Insurance Co	$255	$43
Chubb	$299	$50
American National P&C	$305	$51
Erie	$508	$86
State Farm	$591	$100
Travelers	$705	$119
USAA	$915	$154
Nationwide	$1405	$239
Allstate	$1449	$242
Progressive	$1716	$292
Auto-Owners	$82	$14
Donegal	$248	$42

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 $1068 for a six month policy. While the rate increases by $1176 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	$1176	$196
Cell phone violation	$1373	$233
Failure to wear a seat belt	$1373	$229
Failure to stop at a red light	$1386	$235
Illegal turn	$1386	$231
Improper passing	$1386	$235
Speeding in school zone	$1386	$231
Texting while driving	$1386	$235
Driving with expired registration	$1392	$232
Speeding 16 - 20 MPH over limit	$1392	$236
Wrong way/wrong lane	$1405	$234
Open container	$1487	$253
Reckless driving	$2168	$362
Racing	$2205	$375
DUI	$2244	$373
Driving with a suspended license	$2257	$384
Leaving scene of an accident/hit and run	$2276	$379

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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 $343 for a six-month policy. However, it can be as expensive as $2955 with companies like Nationwide.

Mont Clare car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$343	$57
Travelers	$737	$124
Erie	$921	$155
Allstate	$1023	$172
Progressive	$1118	$188
State Farm	$1303	$219
USAA	$1310	$220
Nationwide	$2955	$498

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 $134. However, it can be as expensive as $2060 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	$134	$22
Auto-Owners Insurance Co	$171	$29
Erie	$591	$100
State Farm	$756	$127
Travelers	$820	$138
USAA	$1214	$202
Allstate	$1449	$246
Progressive	$1742	$290
Nationwide	$2060	$350

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 $196 in January compared to $181 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Mont Clare rose to $48 in January, compared to $41 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mont Clare?

The car insurance in Mont Clare is $26 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 $159 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 $813 for a six-month policy. It will cost around $146 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: American National P&C

3rd place: Westfield

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 N/A 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

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