Cheapest Car Insurance Quotes in New Freedom

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406,175 Policies Sold

New Freedom Car Insurance

^$ 22

/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 New Freedom

The car insurance rate in New Freedom is $748 for a six-month policy, which is $65 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in New Freedom 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 New Freedom

$748

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in New Freedom

1st place: AutoOwners Insurance Co

At $339 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 $470 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $563 for six months, making it the third cheapest auto insurance company in New Freedom.

New Freedom Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Freedom, PA is AutoOwners Insurance Co, offering policies at just $339 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $470.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $896 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Freedom drivers find the best deals.

Cheap Car Insurance Companies in New Freedom, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$56
American National P&C	$470	$80
Westfield	$563	$94
Travelers	$606	$102
Erie	$738	$124
Nationwide	$858	$144
State Farm	$874	$147
Allstate	$972	$164
USAA	$1033	$174
Progressive	$1284	$216
Auto-Owners	$350	$60
Encompass	$896	$149

Key Takeaways

Way's key takeaways about car insurance in New Freedom

The auto insurance costs in New Freedom fall around $339 for six months.
The cheapest auto insurance company in New Freedom is Westfield.
Teen drivers pay the highest rate in New Freedom at $669 per month.

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Cheapest Minimum Liability Car Insurance in New Freedom

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 New Freedom are given below.

Westfield provides the cheapest minimum car insurance coverage in New Freedom. Their Average 6 Month Premium is $132. AutoOwners is the most expensive at $71 for the same period.

Cheapest Liability Coverage in New Freedom, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
Auto-Owners Insurance Co	$137	$23
Erie	$175	$29
American National P&C	$180	$30
Chubb	$191	$32
Travelers	$202	$34
USAA	$240	$40
State Farm	$251	$42
Nationwide	$322	$54
Progressive	$366	$62
Allstate	$492	$83
Auto-Owners	$71	$12

Cheapest Full Coverage Car Insurance in New Freedom

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 New Freedom is AutoOwners Insurance Co at $56 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Freedom, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$339	$56
American National P&C	$470	$80
Westfield	$563	$94
Travelers	$606	$102
Erie	$738	$124
Nationwide	$858	$144
State Farm	$874	$147
Allstate	$972	$164
USAA	$1033	$174
Progressive	$1284	$216
Auto-Owners	$350	$60
Encompass	$896	$149

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Average Car Insurance in New Freedom 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 New Freedom, PA increasing?

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

Car Insurance Premiums by Age in New Freedom

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 New Freedom,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Freedom at $23 per month. At $4011 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$137	$23
Auto-Owners Insurance Co	$158	$27
American National P&C	$208	$35
Chubb	$229	$39
Erie	$940	$158
Travelers	$1082	$182
State Farm	$1558	$262
USAA	$1820	$309
Allstate	$2372	$396
Progressive	$2377	$404
Nationwide	$4011	$669

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 New Freedom, Westfield is the cheapest car insurance provider. At $213 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 New Freedom is State Farm, offering rates of around $4361 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$213	$36
Auto-Owners Insurance Co	$219	$37
Chubb	$257	$43
American National P&C	$290	$50
USAA	$935	$155
Nationwide	$972	$164
Erie	$1705	$284
Allstate	$2054	$350
Travelers	$2240	$374
Progressive	$2503	$426
State Farm	$4361	$727

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Car Insurance Rates with An Accident in New Freedom

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Freedom

The cheapest car insurance companies after an at-fault accident in New Freedom include Westfield and AutoOwners Insurance Co, offering $191 and $219, respectively. Donegal is an expensive provider with an average six-month premium of $213.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$191	$32
Auto-Owners Insurance Co	$219	$37
Chubb	$257	$43
American National P&C	$262	$44
Erie	$437	$74
State Farm	$508	$86
Travelers	$606	$102
USAA	$787	$132
Nationwide	$1208	$205
Allstate	$1246	$208
Progressive	$1476	$251
Auto-Owners	$71	$12
Donegal	$213	$36

New Freedom Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Freedom PA. For example, the car insurance in New Freedom after a DUI increases to $918 for a six month policy. While the rate increases by $1011 for a six-month policy in the case of a speeding ticket.

New Freedom auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1011	$168
Cell phone violation	$1180	$201
Failure to wear a seat belt	$1180	$197
Failure to stop at a red light	$1191	$202
Illegal turn	$1191	$199
Improper passing	$1191	$202
Speeding in school zone	$1191	$199
Texting while driving	$1191	$202
Driving with expired registration	$1197	$200
Speeding 16 - 20 MPH over limit	$1197	$203
Wrong way/wrong lane	$1208	$201
Open container	$1279	$217
Reckless driving	$1864	$311
Racing	$1896	$322
DUI	$1929	$321
Driving with a suspended license	$1940	$330
Leaving scene of an accident/hit and run	$1957	$326

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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 New Freedom 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 New Freedom.

The cheapest car insurance premiums in New Freedom are offered by American National P&C at $295 for a six-month policy. However, it can be as expensive as $2541 with companies like Nationwide.

New Freedom car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$295	$49
Travelers	$634	$107
Erie	$792	$133
Allstate	$880	$148
Progressive	$961	$162
State Farm	$1121	$189
USAA	$1126	$190
Nationwide	$2541	$428

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 New Freedom are offered by Westfield at $115. However, it can be as expensive as $1771 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in New Freedom after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$115	$19
Auto-Owners Insurance Co	$147	$25
Erie	$508	$86
State Farm	$650	$109
Travelers	$705	$119
USAA	$1044	$174
Allstate	$1246	$212
Progressive	$1498	$249
Nationwide	$1771	$301

Car Insurance Price Trends in New Freedom, Pennsylvania

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

The average cost of full coverage in the New Freedom rose by $168 in January compared to $155 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the New Freedom rose to $41 in January, compared to $35 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in New Freedom?

The car insurance in New Freedom is $22 per month, which is lower than the national average.

What is the cheapest car insurance in New Freedom?

The cheapest car insurance in New Freedom is $56 per month for full coverage.

How much is car insurance in New Freedom for teenagers?

Car insurance for teenagers costs $137 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 New Freedom?

The average cost of car insurance is $813 for a six-month policy. It will cost around $125 per month to insure your car in New Freedom.

Is car insurance expensive in New Freedom?

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

Cheapest Car Insurance Quotes in New Freedom

Why you can trust Way?

How Much Is Car Insurance in New Freedom

Avg. Car Insurance in New Freedom

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in New Freedom

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

New Freedom Car Insurance Rates by Company

Cheap Car Insurance Companies in New Freedom, PA

Way's key takeaways about car insurance in New Freedom

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Freedom

Cheapest Liability Coverage in New Freedom, PA

Cheapest Full Coverage Car Insurance in New Freedom

Cheapest Full Coverage Car Insurance Quotes in New Freedom, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Freedom by Rating Factor

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

Car Insurance Premiums by Age in New Freedom

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Freedom,PA

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

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 New Freedom

Cheapest Car Insurance Companies after an At-Fault Accident in New Freedom

New Freedom Car Insurance Rates by Violation

New Freedom auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Freedom after a DUI

New Freedom car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Freedom after Speeding ticket

Car Insurance Price Trends in New Freedom, Pennsylvania

Average Car Insurance Cost in New Freedom by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Freedom, PA

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