Cheapest Car Insurance Quotes in Newton Hamilton

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Newton Hamilton 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 Newton Hamilton

The car insurance rate in Newton Hamilton is $740 for a six-month policy, which is $73 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $335, making it a popular choice for budget-conscious drivers. Rates in Newton Hamilton 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 Newton Hamilton

$740

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Newton Hamilton

1st place: AutoOwners Insurance Co

At $335 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 $465 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $557 for six months, making it the third cheapest auto insurance company in Newton Hamilton.

Newton Hamilton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Newton Hamilton, PA is AutoOwners Insurance Co, offering policies at just $335 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $465.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $886 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newton Hamilton drivers find the best deals.

Cheap Car Insurance Companies in Newton Hamilton, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$335	$56
American National P&C	$465	$79
Westfield	$557	$93
Travelers	$600	$101
Erie	$730	$123
Nationwide	$849	$143
State Farm	$865	$146
Allstate	$962	$162
USAA	$1022	$172
Progressive	$1270	$214
Auto-Owners	$346	$59
Encompass	$886	$147

Key Takeaways

Way's key takeaways about car insurance in Newton Hamilton

The auto insurance costs in Newton Hamilton fall around $335 for six months.
The cheapest auto insurance company in Newton Hamilton is Westfield.
Teen drivers pay the highest rate in Newton Hamilton at $662 per month.

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Cheapest Minimum Liability Car Insurance in Newton Hamilton

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 Newton Hamilton are given below.

Westfield provides the cheapest minimum car insurance coverage in Newton Hamilton. Their Average 6 Month Premium is $130. AutoOwners is the most expensive at $70 for the same period.

Cheapest Liability Coverage in Newton Hamilton, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
Auto-Owners Insurance Co	$136	$23
Erie	$173	$29
American National P&C	$178	$30
Chubb	$189	$32
Travelers	$200	$34
USAA	$238	$40
State Farm	$248	$42
Nationwide	$319	$54
Progressive	$362	$61
Allstate	$487	$82
Auto-Owners	$70	$12

Cheapest Full Coverage Car Insurance in Newton Hamilton

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 Newton Hamilton is AutoOwners Insurance Co at $56 per month and $335 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newton Hamilton, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$335	$56
American National P&C	$465	$79
Westfield	$557	$93
Travelers	$600	$101
Erie	$730	$123
Nationwide	$849	$143
State Farm	$865	$146
Allstate	$962	$162
USAA	$1022	$172
Progressive	$1270	$214
Auto-Owners	$346	$59
Encompass	$886	$147

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Average Car Insurance in Newton Hamilton 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 Newton Hamilton, PA increasing?

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

Car Insurance Premiums by Age in Newton Hamilton

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 Newton Hamilton,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Newton Hamilton at $23 per month. At $3968 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Auto-Owners Insurance Co	$157	$26
American National P&C	$206	$35
Chubb	$227	$38
Erie	$930	$157
Travelers	$1070	$180
State Farm	$1541	$259
USAA	$1800	$306
Allstate	$2346	$391
Progressive	$2351	$399
Nationwide	$3968	$662

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 Newton Hamilton, Westfield is the cheapest car insurance provider. At $211 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 Newton Hamilton is State Farm, offering rates of around $4313 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$35
Auto-Owners Insurance Co	$217	$36
Chubb	$254	$43
American National P&C	$287	$49
USAA	$925	$154
Nationwide	$962	$162
Erie	$1686	$281
Allstate	$2032	$346
Travelers	$2216	$369
Progressive	$2476	$421
State Farm	$4313	$719

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Car Insurance Rates with An Accident in Newton Hamilton

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

Cheapest Car Insurance Companies after an At-Fault Accident in Newton Hamilton

The cheapest car insurance companies after an at-fault accident in Newton Hamilton include Westfield and AutoOwners Insurance Co, offering $189 and $217, respectively. Donegal is an expensive provider with an average six-month premium of $211.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
Auto-Owners Insurance Co	$217	$36
Chubb	$254	$43
American National P&C	$259	$44
Erie	$432	$73
State Farm	$502	$85
Travelers	$600	$101
USAA	$778	$131
Nationwide	$1195	$203
Allstate	$1232	$206
Progressive	$1460	$248
Auto-Owners	$70	$12
Donegal	$211	$35

Newton Hamilton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newton Hamilton PA. For example, the car insurance in Newton Hamilton after a DUI increases to $908 for a six month policy. While the rate increases by $1000 for a six-month policy in the case of a speeding ticket.

Newton Hamilton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1000	$167
Cell phone violation	$1168	$198
Failure to wear a seat belt	$1168	$195
Failure to stop at a red light	$1178	$200
Illegal turn	$1178	$197
Improper passing	$1178	$200
Speeding in school zone	$1178	$197
Texting while driving	$1178	$200
Driving with expired registration	$1184	$197
Speeding 16 - 20 MPH over limit	$1184	$201
Wrong way/wrong lane	$1195	$199
Open container	$1265	$215
Reckless driving	$1844	$308
Racing	$1876	$319
DUI	$1908	$318
Driving with a suspended license	$1919	$327
Leaving scene of an accident/hit and run	$1936	$322

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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 Newton Hamilton 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 Newton Hamilton.

The cheapest car insurance premiums in Newton Hamilton are offered by American National P&C at $292 for a six-month policy. However, it can be as expensive as $2513 with companies like Nationwide.

Newton Hamilton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$292	$48
Travelers	$627	$106
Erie	$784	$132
Allstate	$870	$147
Progressive	$951	$160
State Farm	$1108	$187
USAA	$1114	$187
Nationwide	$2513	$423

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 Newton Hamilton are offered by Westfield at $114. However, it can be as expensive as $1752 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Newton Hamilton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$114	$19
Auto-Owners Insurance Co	$146	$25
Erie	$502	$85
State Farm	$643	$108
Travelers	$697	$117
USAA	$1033	$172
Allstate	$1232	$209
Progressive	$1481	$247
Nationwide	$1752	$298

Car Insurance Price Trends in Newton Hamilton, Pennsylvania

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

The average cost of full coverage in the Newton Hamilton rose by $167 in January compared to $154 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 Newton Hamilton 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 Newton Hamilton?

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

What is the cheapest car insurance in Newton Hamilton?

The cheapest car insurance in Newton Hamilton is $56 per month for full coverage.

How much is car insurance in Newton Hamilton for teenagers?

Car insurance for teenagers costs $136 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 Newton Hamilton?

The average cost of car insurance is $813 for a six-month policy. It will cost around $124 per month to insure your car in Newton Hamilton.

Is car insurance expensive in Newton Hamilton?

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

Cheapest Car Insurance Quotes in Newton Hamilton

Why you can trust Way?

How Much Is Car Insurance in Newton Hamilton

Avg. Car Insurance in Newton Hamilton

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Newton Hamilton

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Newton Hamilton Car Insurance Rates by Company

Cheap Car Insurance Companies in Newton Hamilton, PA

Way's key takeaways about car insurance in Newton Hamilton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Newton Hamilton

Cheapest Liability Coverage in Newton Hamilton, PA

Cheapest Full Coverage Car Insurance in Newton Hamilton

Cheapest Full Coverage Car Insurance Quotes in Newton Hamilton, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Newton Hamilton by Rating Factor

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

Car Insurance Premiums by Age in Newton Hamilton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Newton Hamilton,PA

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

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 Newton Hamilton

Cheapest Car Insurance Companies after an At-Fault Accident in Newton Hamilton

Newton Hamilton Car Insurance Rates by Violation

Newton Hamilton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Newton Hamilton after a DUI

Newton Hamilton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Newton Hamilton after Speeding ticket

Car Insurance Price Trends in Newton Hamilton, Pennsylvania

Average Car Insurance Cost in Newton Hamilton by ZIP Code

Frequently Asked Questions

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