Cheapest Car Insurance Quotes in Mount Oliver

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Mount Oliver Car Insurance

^$ 27

/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 $911 for a six-month policy, which is $98 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, 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

$911

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Mount Oliver

1st place: AutoOwners Insurance Co

At $412 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 $572 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $685 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 $412 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $572.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1091 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	$412	$68
American National P&C	$572	$97
Westfield	$685	$114
Travelers	$738	$124
Erie	$898	$151
Nationwide	$1045	$176
State Farm	$1064	$179
Allstate	$1184	$199
USAA	$1258	$212
Progressive	$1564	$263
Auto-Owners	$426	$73
Encompass	$1091	$181

Key Takeaways

Way's key takeaways about car insurance in Mount Oliver

The auto insurance costs in Mount Oliver fall around $412 for six months.
The cheapest auto insurance company in Mount Oliver is Westfield.
Teen drivers pay the highest rate in Mount Oliver at $814 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.

Westfield provides the cheapest minimum car insurance coverage in Mount Oliver. Their Average 6 Month Premium is $160. AutoOwners is the most expensive at $86 for the same period.

Cheapest Liability Coverage in Mount Oliver, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$160	$27
Auto-Owners Insurance Co	$167	$28
Erie	$213	$36
American National P&C	$220	$37
Chubb	$233	$39
Travelers	$246	$41
USAA	$292	$49
State Farm	$306	$52
Nationwide	$392	$66
Progressive	$446	$75
Allstate	$599	$101
Auto-Owners	$86	$15

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 $412 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	$412	$68
American National P&C	$572	$97
Westfield	$685	$114
Travelers	$738	$124
Erie	$898	$151
Nationwide	$1045	$176
State Farm	$1064	$179
Allstate	$1184	$199
USAA	$1258	$212
Progressive	$1564	$263
Auto-Owners	$426	$73
Encompass	$1091	$181

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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

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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 $4883 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
Auto-Owners Insurance Co	$193	$32
American National P&C	$253	$43
Chubb	$279	$47
Erie	$1145	$193
Travelers	$1317	$222
State Farm	$1896	$319
USAA	$2215	$376
Allstate	$2887	$482
Progressive	$2894	$492
Nationwide	$4883	$814

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 Oliver, Westfield is the cheapest car insurance provider. At $260 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 $5309 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$260	$44
Auto-Owners Insurance Co	$267	$45
Chubb	$312	$53
American National P&C	$353	$60
USAA	$1138	$189
Nationwide	$1184	$199
Erie	$2075	$346
Allstate	$2501	$426
Travelers	$2727	$455
Progressive	$3048	$519
State Farm	$5309	$885

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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 Westfield and AutoOwners Insurance Co, offering $233 and $267, respectively. Donegal is an expensive provider with an average six-month premium of $260.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$233	$39
Auto-Owners Insurance Co	$267	$45
Chubb	$312	$53
American National P&C	$319	$54
Erie	$532	$90
State Farm	$618	$104
Travelers	$738	$124
USAA	$958	$161
Nationwide	$1471	$250
Allstate	$1516	$253
Progressive	$1796	$306
Auto-Owners	$86	$15
Donegal	$260	$44

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 $1118 for a six month policy. While the rate increases by $1231 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	$1231	$205
Cell phone violation	$1437	$244
Failure to wear a seat belt	$1437	$240
Failure to stop at a red light	$1450	$246
Illegal turn	$1450	$242
Improper passing	$1450	$246
Speeding in school zone	$1450	$242
Texting while driving	$1450	$246
Driving with expired registration	$1457	$243
Speeding 16 - 20 MPH over limit	$1457	$248
Wrong way/wrong lane	$1471	$245
Open container	$1557	$264
Reckless driving	$2269	$379
Racing	$2308	$392
DUI	$2349	$391
Driving with a suspended license	$2362	$402
Leaving scene of an accident/hit and run	$2382	$396

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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 $360 for a six-month policy. However, it can be as expensive as $3093 with companies like Nationwide.

Mount Oliver car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$360	$59
Travelers	$772	$130
Erie	$964	$162
Allstate	$1071	$180
Progressive	$1170	$197
State Farm	$1364	$230
USAA	$1371	$231
Nationwide	$3093	$521

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 $140. However, it can be as expensive as $2156 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	$140	$24
Auto-Owners Insurance Co	$179	$30
Erie	$618	$104
State Farm	$792	$133
Travelers	$858	$144
USAA	$1271	$212
Allstate	$1516	$258
Progressive	$1823	$304
Nationwide	$2156	$366

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 $205 in January compared to $189 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Mount Oliver rose to $50 in January, compared to $43 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 Mount Oliver?

The car insurance in Mount Oliver is $27 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 $167 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 $813 for a six-month policy. It will cost around $152 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: American National P&C

3rd place: Westfield

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 N/A 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!

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