Cheapest Car Insurance Quotes in Mountainhome

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Mountainhome Car Insurance

^$ 16

/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 Mountainhome

The car insurance rate in Mountainhome is $984 for a six-month policy, which is $197 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $460, making it a popular choice for budget-conscious drivers. Rates in Mountainhome 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 Mountainhome

$984

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Mountainhome

1st place: AutoOwners Insurance Co

At $460 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 $475 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 $639 for six months, making it the third cheapest auto insurance company in Mountainhome.

Mountainhome Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mountainhome, PA is AutoOwners Insurance Co, offering policies at just $460 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $475.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1678 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mountainhome drivers find the best deals.

Cheap Car Insurance Companies in Mountainhome, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$460	$76
Auto-Owners	$475	$81
American National P&C	$639	$106
Travelers	$690	$116
Westfield	$765	$128
Erie	$1003	$169
State Farm	$1048	$176
Nationwide	$1076	$181
Encompass	$1218	$203
Allstate	$1321	$223
USAA	$1440	$243
Progressive	$1678	$283

Key Takeaways

Way's key takeaways about car insurance in Mountainhome

The auto insurance costs in Mountainhome fall around $460 for six months.
The cheapest auto insurance company in Mountainhome is AutoOwners.
Teen drivers pay the highest rate in Mountainhome at $783 per month.

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

Cheapest Minimum Liability Car Insurance in Mountainhome

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 Mountainhome are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Mountainhome. Their Average 6 Month Premium is $96. Allstate is the most expensive at $616 for the same period.

Cheapest Liability Coverage in Mountainhome, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$96	$16
Westfield	$179	$30
Auto-Owners Insurance Co	$186	$31
Travelers	$223	$38
Erie	$238	$40
American National P&C	$245	$41
Chubb	$260	$44
State Farm	$311	$53
USAA	$311	$53
Progressive	$334	$56
Nationwide	$386	$64
Allstate	$616	$105

Cheapest Full Coverage Car Insurance in Mountainhome

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 Mountainhome is AutoOwners Insurance Co at $76 per month and $460 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mountainhome, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$460	$76
Auto-Owners	$475	$81
American National P&C	$639	$106
Travelers	$690	$116
Westfield	$765	$128
Erie	$1003	$169
State Farm	$1048	$176
Nationwide	$1076	$181
Encompass	$1218	$203
Allstate	$1321	$223
USAA	$1440	$243
Progressive	$1678	$283

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Average Car Insurance in Mountainhome 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 Mountainhome, PA increasing?

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

Car Insurance Premiums by Age in Mountainhome

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	$705
30s	Travelers	$488
40s	Travelers	$459
50s	Travelers	$439
60s	Travelers	$439
70s	Travelers	$516

Cheapest Car Insurance Rates for Teen Drivers in Mountainhome,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Mountainhome at $31 per month. At $4604 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
Auto-Owners Insurance Co	$215	$36
American National P&C	$283	$48
Chubb	$311	$53
Travelers	$891	$150
Erie	$1091	$184
State Farm	$1493	$251
USAA	$1960	$326
Allstate	$3281	$558
Progressive	$4544	$758
Nationwide	$4604	$783

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 Mountainhome.

As young drivers face the highest rates in Mountainhome, Travelers offers the cheapest auto insurance rates at $705 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 Mountainhome, Westfield is the cheapest car insurance provider. At $290 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 Mountainhome is State Farm, offering rates of around $3988 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$290	$49
Auto-Owners Insurance Co	$298	$50
Chubb	$349	$59
American National P&C	$394	$68
USAA	$1129	$188
Nationwide	$1144	$193
Erie	$1819	$304
Travelers	$2064	$351
Allstate	$2778	$463
Progressive	$3059	$520
State Farm	$3988	$665

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Car Insurance Rates with An Accident in Mountainhome

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mountainhome

The cheapest car insurance companies after an at-fault accident in Mountainhome include AutoOwners and Westfield, offering $96 and $260, respectively. Allstate is an expensive provider with an average six-month premium of $1693.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$96	$16
Westfield	$260	$44
Donegal	$290	$49
Auto-Owners Insurance Co	$298	$50
Chubb	$349	$59
American National P&C	$356	$60
Erie	$445	$75
Travelers	$535	$90
State Farm	$550	$93
USAA	$973	$164
Progressive	$1048	$176
Nationwide	$1381	$230
Allstate	$1693	$288

Mountainhome Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mountainhome PA. For example, the car insurance in Mountainhome after a DUI increases to $1247 for a six month policy. While the rate increases by $1374 for a six-month policy in the case of a speeding ticket.

Mountainhome auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1374	$229
Cell phone violation	$1604	$273
Failure to wear a seat belt	$1604	$268
Failure to stop at a red light	$1619	$275
Illegal turn	$1619	$270
Improper passing	$1619	$275
Speeding in school zone	$1619	$270
Texting while driving	$1619	$275
Driving with expired registration	$1626	$271
Speeding 16 - 20 MPH over limit	$1626	$276
Wrong way/wrong lane	$1641	$274
Open container	$1738	$295
Reckless driving	$2533	$423
Racing	$2576	$438
DUI	$2621	$436
Driving with a suspended license	$2636	$449
Leaving scene of an accident/hit and run	$2659	$443

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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 Mountainhome 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 Mountainhome.

The cheapest car insurance premiums in Mountainhome are offered by American National P&C at $401 for a six-month policy. However, it can be as expensive as $3111 with companies like Nationwide.

Mountainhome car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$401	$66
Travelers	$631	$106
Erie	$935	$158
Allstate	$1195	$201
Progressive	$1263	$213
State Farm	$1270	$214
USAA	$1329	$224
Nationwide	$3111	$524

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 Mountainhome are offered by Westfield at $156. However, it can be as expensive as $2013 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Mountainhome after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$156	$26
Auto-Owners Insurance Co	$200	$34
Erie	$571	$96
Travelers	$571	$96
State Farm	$654	$110
USAA	$1263	$215
Allstate	$1693	$283
Progressive	$1796	$305
Nationwide	$2013	$335

Car Insurance Price Trends in Mountainhome, Pennsylvania

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

The average cost of full coverage in the Mountainhome rose by $209 in December compared to $201 of November. In other words, there has been an increase by $8 when you compare December and November.

The average cost of liability insurance in the Mountainhome remained steady at $46 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 Mountainhome?

The car insurance in Mountainhome is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Mountainhome?

The cheapest car insurance in Mountainhome is $76 per month for full coverage.

How much is car insurance in Mountainhome for teenagers?

Car insurance for teenagers costs $186 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 Mountainhome?

The average cost of car insurance is $787 for a six-month policy. It will cost around $165 per month to insure your car in Mountainhome.

Is car insurance expensive in Mountainhome?

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

Cheapest Car Insurance Quotes in Mountainhome

Why you can trust Way?

How Much Is Car Insurance in Mountainhome

Avg. Car Insurance in Mountainhome

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Mountainhome

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Mountainhome Car Insurance Rates by Company

Cheap Car Insurance Companies in Mountainhome, PA

Way's key takeaways about car insurance in Mountainhome

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mountainhome

Cheapest Liability Coverage in Mountainhome, PA

Cheapest Full Coverage Car Insurance in Mountainhome

Cheapest Full Coverage Car Insurance Quotes in Mountainhome, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mountainhome by Rating Factor

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

Car Insurance Premiums by Age in Mountainhome

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mountainhome,PA

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

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 Mountainhome

Cheapest Car Insurance Companies after an At-Fault Accident in Mountainhome

Mountainhome Car Insurance Rates by Violation

Mountainhome auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mountainhome after a DUI

Mountainhome car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mountainhome after Speeding ticket

Car Insurance Price Trends in Mountainhome, Pennsylvania

Average Car Insurance Cost in Mountainhome by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mountainhome, PA

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

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