Cheapest Car Insurance Quotes in Mount Morris

Finding the cheapest car insurance quotes in Mount Morris shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Mount Morris Car Insurance

^$ 24

/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 Mount Morris

The car insurance rate in Mount Morris is $821 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Mount Morris 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 Mount Morris

$821

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Mount Morris

1st place: AutoOwners Insurance Co

At $372 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 $516 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $618 for six months, making it the third cheapest auto insurance company in Mount Morris.

Mount Morris Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Morris, PA is AutoOwners Insurance Co, offering policies at just $372 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $516.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $984 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Morris drivers find the best deals.

Cheap Car Insurance Companies in Mount Morris, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$372	$62
American National P&C	$516	$88
Westfield	$618	$103
Travelers	$666	$112
Erie	$810	$136
Nationwide	$942	$159
State Farm	$960	$162
Allstate	$1068	$180
USAA	$1134	$191
Progressive	$1410	$237
Auto-Owners	$384	$66
Encompass	$984	$164

Key Takeaways

Way's key takeaways about car insurance in Mount Morris

The auto insurance costs in Mount Morris fall around $372 for six months.
The cheapest auto insurance company in Mount Morris is Westfield.
Teen drivers pay the highest rate in Mount Morris at $734 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Mount Morris

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 Mount Morris are given below.

Westfield provides the cheapest minimum car insurance coverage in Mount Morris. Their Average 6 Month Premium is $144. AutoOwners is the most expensive at $78 for the same period.

Cheapest Liability Coverage in Mount Morris, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
Auto-Owners Insurance Co	$150	$25
Erie	$192	$32
American National P&C	$198	$33
Chubb	$210	$35
Travelers	$222	$37
USAA	$264	$44
State Farm	$276	$46
Nationwide	$354	$60
Progressive	$402	$68
Allstate	$540	$91
Auto-Owners	$78	$13

Cheapest Full Coverage Car Insurance in Mount Morris

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 Mount Morris is AutoOwners Insurance Co at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Morris, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$372	$62
American National P&C	$516	$88
Westfield	$618	$103
Travelers	$666	$112
Erie	$810	$136
Nationwide	$942	$159
State Farm	$960	$162
Allstate	$1068	$180
USAA	$1134	$191
Progressive	$1410	$237
Auto-Owners	$384	$66
Encompass	$984	$164

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Mount Morris Instantly!

Average Car Insurance in Mount Morris 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 Mount Morris, PA increasing?

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

Car Insurance Premiums by Age in Mount Morris

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Mount Morris,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mount Morris at $25 per month. At $4404 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Auto-Owners Insurance Co	$174	$29
American National P&C	$228	$38
Chubb	$251	$42
Erie	$1032	$174
Travelers	$1188	$200
State Farm	$1710	$288
USAA	$1998	$339
Allstate	$2604	$434
Progressive	$2610	$443
Nationwide	$4404	$734

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 Mount Morris, Westfield is the cheapest car insurance provider. At $234 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 Mount Morris is State Farm, offering rates of around $4787 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$234	$39
Auto-Owners Insurance Co	$240	$40
Chubb	$282	$47
American National P&C	$318	$55
USAA	$1026	$171
Nationwide	$1068	$180
Erie	$1872	$312
Allstate	$2255	$384
Travelers	$2459	$410
Progressive	$2748	$468
State Farm	$4787	$798

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Mount Morris.

Car Insurance Rates with An Accident in Mount Morris

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Morris

The cheapest car insurance companies after an at-fault accident in Mount Morris include Westfield and AutoOwners Insurance Co, offering $210 and $240, respectively. Donegal is an expensive provider with an average six-month premium of $234.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
Auto-Owners Insurance Co	$240	$40
Chubb	$282	$47
American National P&C	$288	$48
Erie	$480	$81
State Farm	$558	$94
Travelers	$666	$112
USAA	$864	$145
Nationwide	$1326	$225
Allstate	$1368	$228
Progressive	$1620	$276
Auto-Owners	$78	$13
Donegal	$234	$39

Mount Morris Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Morris PA. For example, the car insurance in Mount Morris after a DUI increases to $1008 for a six month policy. While the rate increases by $1110 for a six-month policy in the case of a speeding ticket.

Mount Morris auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1110	$185
Cell phone violation	$1296	$220
Failure to wear a seat belt	$1296	$216
Failure to stop at a red light	$1308	$222
Illegal turn	$1308	$218
Improper passing	$1308	$222
Speeding in school zone	$1308	$218
Texting while driving	$1308	$222
Driving with expired registration	$1314	$219
Speeding 16 - 20 MPH over limit	$1314	$223
Wrong way/wrong lane	$1326	$221
Open container	$1404	$238
Reckless driving	$2046	$341
Racing	$2082	$354
DUI	$2118	$352
Driving with a suspended license	$2130	$363
Leaving scene of an accident/hit and run	$2148	$358

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Mount Morris 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 Mount Morris.

The cheapest car insurance premiums in Mount Morris are offered by American National P&C at $324 for a six-month policy. However, it can be as expensive as $2790 with companies like Nationwide.

Mount Morris car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$324	$54
Travelers	$696	$117
Erie	$870	$146
Allstate	$966	$163
Progressive	$1055	$178
State Farm	$1230	$207
USAA	$1236	$208
Nationwide	$2790	$470

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 Mount Morris are offered by Westfield at $126. However, it can be as expensive as $1944 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Mount Morris after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
Auto-Owners Insurance Co	$162	$27
Erie	$558	$94
State Farm	$714	$120
Travelers	$774	$130
USAA	$1146	$191
Allstate	$1368	$232
Progressive	$1644	$274
Nationwide	$1944	$330

Car Insurance Price Trends in Mount Morris, Pennsylvania

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

The average cost of full coverage in the Mount Morris rose by $185 in January compared to $171 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Mount Morris rose to $45 in January, compared to $38 in December. This represents an increase of $7 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Mount Morris?

The car insurance in Mount Morris is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Morris?

The cheapest car insurance in Mount Morris is $62 per month for full coverage.

How much is car insurance in Mount Morris for teenagers?

Car insurance for teenagers costs $150 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 Mount Morris?

The average cost of car insurance is $813 for a six-month policy. It will cost around $137 per month to insure your car in Mount Morris.

Is car insurance expensive in Mount Morris?

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

Cheapest Car Insurance Quotes in Mount Morris

Why you can trust Way?

How Much Is Car Insurance in Mount Morris

Avg. Car Insurance in Mount Morris

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Mount Morris

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Mount Morris Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Morris, PA

Way's key takeaways about car insurance in Mount Morris

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Morris

Cheapest Liability Coverage in Mount Morris, PA

Cheapest Full Coverage Car Insurance in Mount Morris

Cheapest Full Coverage Car Insurance Quotes in Mount Morris, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Morris by Rating Factor

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

Car Insurance Premiums by Age in Mount Morris

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Morris,PA

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

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 Mount Morris

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Morris

Mount Morris Car Insurance Rates by Violation

Mount Morris auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Morris after a DUI

Mount Morris car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Morris after Speeding ticket

Car Insurance Price Trends in Mount Morris, Pennsylvania

Average Car Insurance Cost in Mount Morris by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Morris, PA

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

Featured Blogs

Data Sources