Cheapest Car Insurance Quotes in Mount Oliver

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Mount Oliver 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 Mount Oliver

The car insurance rate in Mount Oliver is $874 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Mount Oliver 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 Oliver

$874

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Mount Oliver

1st place: AutoOwners Insurance Co

At $408 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 $422 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 $567 for six months, making it the third cheapest auto insurance company in Mount Oliver.

Mount Oliver Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Oliver, PA is AutoOwners Insurance Co, offering policies at just $408 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $422.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1490 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Oliver drivers find the best deals.

Cheap Car Insurance Companies in Mount Oliver, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$408	$68
Auto-Owners	$422	$72
American National P&C	$567	$94
Travelers	$613	$103
Westfield	$679	$113
Erie	$890	$150
State Farm	$930	$157
Nationwide	$956	$161
Encompass	$1081	$180
Allstate	$1173	$198
USAA	$1279	$215
Progressive	$1490	$251

Key Takeaways

Way's key takeaways about car insurance in Mount Oliver

The auto insurance costs in Mount Oliver fall around $408 for six months.
The cheapest auto insurance company in Mount Oliver is AutoOwners.
Teen drivers pay the highest rate in Mount Oliver at $695 per month.

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Cheapest Minimum Liability Car Insurance in Mount Oliver

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 Oliver are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Mount Oliver. Their Average 6 Month Premium is $85. Allstate is the most expensive at $547 for the same period.

Cheapest Liability Coverage in Mount Oliver, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$85	$14
Westfield	$159	$27
Auto-Owners Insurance Co	$165	$28
Travelers	$198	$33
Erie	$211	$36
American National P&C	$218	$37
Chubb	$231	$39
State Farm	$276	$47
USAA	$276	$47
Progressive	$296	$50
Nationwide	$343	$57
Allstate	$547	$93

Cheapest Full Coverage Car Insurance in Mount Oliver

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 Oliver is AutoOwners Insurance Co at $68 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Oliver, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$408	$68
Auto-Owners	$422	$72
American National P&C	$567	$94
Travelers	$613	$103
Westfield	$679	$113
Erie	$890	$150
State Farm	$930	$157
Nationwide	$956	$161
Encompass	$1081	$180
Allstate	$1173	$198
USAA	$1279	$215
Progressive	$1490	$251

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Average Car Insurance in Mount Oliver 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 Oliver, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Mount Oliver, 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 Oliver'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 Oliver

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	$626
30s	Travelers	$433
40s	Travelers	$407
50s	Travelers	$390
60s	Travelers	$390
70s	Travelers	$458

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mount Oliver at $28 per month. At $4088 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$165	$28
Auto-Owners Insurance Co	$191	$32
American National P&C	$251	$42
Chubb	$276	$47
Travelers	$791	$133
Erie	$969	$163
State Farm	$1325	$223
USAA	$1740	$290
Allstate	$2914	$495
Progressive	$4035	$673
Nationwide	$4088	$695

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 Mount Oliver.

As young drivers face the highest rates in Mount Oliver, Travelers offers the cheapest auto insurance rates at $626 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 Mount Oliver, Westfield is the cheapest car insurance provider. At $258 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 Oliver is State Farm, offering rates of around $3541 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$258	$43
Auto-Owners Insurance Co	$264	$44
Chubb	$310	$52
American National P&C	$350	$60
USAA	$1002	$167
Nationwide	$1016	$171
Erie	$1615	$270
Travelers	$1833	$312
Allstate	$2466	$411
Progressive	$2716	$462
State Farm	$3541	$591

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Car Insurance Rates with An Accident in Mount Oliver

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

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

The cheapest car insurance companies after an at-fault accident in Mount Oliver include AutoOwners and Westfield, offering $85 and $231, respectively. Allstate is an expensive provider with an average six-month premium of $1503.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$85	$14
Westfield	$231	$39
Donegal	$258	$43
Auto-Owners Insurance Co	$264	$44
Chubb	$310	$52
American National P&C	$316	$53
Erie	$395	$67
Travelers	$475	$80
State Farm	$488	$82
USAA	$864	$145
Progressive	$930	$157
Nationwide	$1227	$204
Allstate	$1503	$255

Mount Oliver Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Oliver PA. For example, the car insurance in Mount Oliver after a DUI increases to $1108 for a six month policy. While the rate increases by $1220 for a six-month policy in the case of a speeding ticket.

Mount Oliver auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1220	$203
Cell phone violation	$1424	$242
Failure to wear a seat belt	$1424	$238
Failure to stop at a red light	$1437	$244
Illegal turn	$1437	$240
Improper passing	$1437	$244
Speeding in school zone	$1437	$240
Texting while driving	$1437	$244
Driving with expired registration	$1444	$241
Speeding 16 - 20 MPH over limit	$1444	$245
Wrong way/wrong lane	$1457	$243
Open container	$1543	$262
Reckless driving	$2249	$375
Racing	$2288	$389
DUI	$2328	$387
Driving with a suspended license	$2341	$398
Leaving scene of an accident/hit and run	$2361	$393

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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 Mount Oliver 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 Oliver.

The cheapest car insurance premiums in Mount Oliver are offered by American National P&C at $356 for a six-month policy. However, it can be as expensive as $2763 with companies like Nationwide.

Mount Oliver car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$356	$59
Travelers	$561	$94
Erie	$830	$140
Allstate	$1061	$179
Progressive	$1121	$189
State Farm	$1128	$190
USAA	$1180	$199
Nationwide	$2763	$465

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 Oliver are offered by Westfield at $139. However, it can be as expensive as $1787 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Mount Oliver after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
Auto-Owners Insurance Co	$178	$30
Erie	$507	$85
Travelers	$507	$85
State Farm	$581	$98
USAA	$1121	$191
Allstate	$1503	$251
Progressive	$1595	$271
Nationwide	$1787	$297

Car Insurance Price Trends in Mount Oliver, Pennsylvania

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

The average cost of full coverage in the Mount Oliver rose by $185 in December compared to $179 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 Mount Oliver remained steady at $41 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 Mount Oliver?

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

What is the cheapest car insurance in Mount Oliver?

The cheapest car insurance in Mount Oliver is $68 per month for full coverage.

How much is car insurance in Mount Oliver for teenagers?

Car insurance for teenagers costs $165 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 Oliver?

The average cost of car insurance is $787 for a six-month policy. It will cost around $147 per month to insure your car in Mount Oliver.

Is car insurance expensive in Mount Oliver?

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

Cheapest Car Insurance Quotes in Mount Oliver

Why you can trust Way?

How Much Is Car Insurance in Mount Oliver

Avg. Car Insurance in Mount Oliver

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Mount Oliver

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Mount Oliver Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Oliver, PA

Way's key takeaways about car insurance in Mount Oliver

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Oliver

Cheapest Liability Coverage in Mount Oliver, PA

Cheapest Full Coverage Car Insurance in Mount Oliver

Cheapest Full Coverage Car Insurance Quotes in Mount Oliver, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Oliver by Rating Factor

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

Car Insurance Premiums by Age in Mount Oliver

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties Travelers is the best choice for car insurance in Mount Oliver.

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 Oliver

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

Mount Oliver Car Insurance Rates by Violation

Mount Oliver auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Oliver after a DUI

Mount Oliver car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Oliver after Speeding ticket

Car Insurance Price Trends in Mount Oliver, Pennsylvania

Average Car Insurance Cost in Mount Oliver by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Oliver, PA

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

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