Cheapest Car Insurance Quotes in Newtown

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Newtown Car Insurance

^$ 15

/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 Newtown

The car insurance rate in Newtown is $897 for a six-month policy, which is $110 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Newtown 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 Newtown

$897

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Newtown

1st place: AutoOwners Insurance Co

At $420 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 $433 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 $583 for six months, making it the third cheapest auto insurance company in Newtown.

Newtown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Newtown, PA is AutoOwners Insurance Co, offering policies at just $420 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $433.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1530 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newtown drivers find the best deals.

Cheap Car Insurance Companies in Newtown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$420	$70
Auto-Owners	$433	$74
American National P&C	$583	$97
Travelers	$629	$106
Westfield	$698	$116
Erie	$914	$154
State Farm	$955	$161
Nationwide	$982	$165
Encompass	$1110	$185
Allstate	$1205	$203
USAA	$1313	$221
Progressive	$1530	$258

Key Takeaways

Way's key takeaways about car insurance in Newtown

The auto insurance costs in Newtown fall around $420 for six months.
The cheapest auto insurance company in Newtown is AutoOwners.
Teen drivers pay the highest rate in Newtown at $714 per month.

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Cheapest Minimum Liability Car Insurance in Newtown

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 Newtown are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Newtown. Their Average 6 Month Premium is $88. Allstate is the most expensive at $562 for the same period.

Cheapest Liability Coverage in Newtown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$88	$15
Westfield	$163	$27
Auto-Owners Insurance Co	$170	$28
Travelers	$203	$34
Erie	$217	$36
American National P&C	$223	$38
Chubb	$237	$40
State Farm	$284	$48
USAA	$284	$48
Progressive	$304	$51
Nationwide	$352	$58
Allstate	$562	$96

Cheapest Full Coverage Car Insurance in Newtown

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 Newtown is AutoOwners Insurance Co at $70 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newtown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$420	$70
Auto-Owners	$433	$74
American National P&C	$583	$97
Travelers	$629	$106
Westfield	$698	$116
Erie	$914	$154
State Farm	$955	$161
Nationwide	$982	$165
Encompass	$1110	$185
Allstate	$1205	$203
USAA	$1313	$221
Progressive	$1530	$258

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Average Car Insurance in Newtown 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 Newtown, PA increasing?

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

Car Insurance Premiums by Age in Newtown

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	$643
30s	Travelers	$445
40s	Travelers	$418
50s	Travelers	$400
60s	Travelers	$400
70s	Travelers	$471

Cheapest Car Insurance Rates for Teen Drivers in Newtown,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Newtown at $28 per month. At $4199 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$28
Auto-Owners Insurance Co	$196	$33
American National P&C	$258	$43
Chubb	$284	$48
Travelers	$813	$137
Erie	$995	$168
State Farm	$1361	$229
USAA	$1788	$298
Allstate	$2992	$508
Progressive	$4144	$691
Nationwide	$4199	$714

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 Newtown.

As young drivers face the highest rates in Newtown, Travelers offers the cheapest auto insurance rates at $643 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 Newtown, Westfield is the cheapest car insurance provider. At $264 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 Newtown is State Farm, offering rates of around $3637 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$264	$44
Auto-Owners Insurance Co	$271	$46
Chubb	$318	$54
American National P&C	$359	$62
USAA	$1029	$171
Nationwide	$1043	$176
Erie	$1659	$277
Travelers	$1882	$320
Allstate	$2533	$422
Progressive	$2790	$474
State Farm	$3637	$606

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Car Insurance Rates with An Accident in Newtown

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

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

The cheapest car insurance companies after an at-fault accident in Newtown include AutoOwners and Westfield, offering $88 and $237, respectively. Allstate is an expensive provider with an average six-month premium of $1544.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$88	$15
Westfield	$237	$40
Donegal	$264	$44
Auto-Owners Insurance Co	$271	$46
Chubb	$318	$54
American National P&C	$325	$55
Erie	$406	$68
Travelers	$488	$82
State Farm	$502	$84
USAA	$887	$149
Progressive	$955	$161
Nationwide	$1260	$210
Allstate	$1544	$262

Newtown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newtown PA. For example, the car insurance in Newtown after a DUI increases to $1138 for a six month policy. While the rate increases by $1253 for a six-month policy in the case of a speeding ticket.

Newtown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1253	$209
Cell phone violation	$1463	$249
Failure to wear a seat belt	$1463	$244
Failure to stop at a red light	$1476	$251
Illegal turn	$1476	$246
Improper passing	$1476	$251
Speeding in school zone	$1476	$246
Texting while driving	$1476	$251
Driving with expired registration	$1483	$247
Speeding 16 - 20 MPH over limit	$1483	$252
Wrong way/wrong lane	$1497	$250
Open container	$1585	$269
Reckless driving	$2310	$385
Racing	$2350	$399
DUI	$2391	$398
Driving with a suspended license	$2404	$409
Leaving scene of an accident/hit and run	$2425	$404

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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 Newtown 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 Newtown.

The cheapest car insurance premiums in Newtown are offered by American National P&C at $366 for a six-month policy. However, it can be as expensive as $2837 with companies like Nationwide.

Newtown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$366	$60
Travelers	$576	$97
Erie	$853	$144
Allstate	$1090	$184
Progressive	$1151	$194
State Farm	$1158	$195
USAA	$1212	$204
Nationwide	$2837	$478

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 Newtown are offered by Westfield at $143. However, it can be as expensive as $1835 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Newtown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$143	$24
Auto-Owners Insurance Co	$182	$31
Erie	$521	$88
Travelers	$521	$88
State Farm	$596	$100
USAA	$1151	$196
Allstate	$1544	$258
Progressive	$1638	$278
Nationwide	$1835	$306

Car Insurance Price Trends in Newtown, Pennsylvania

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

The average cost of full coverage in the Newtown rose by $190 in December compared to $184 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 Newtown remained steady at $42 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 Newtown?

The car insurance in Newtown is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Newtown?

The cheapest car insurance in Newtown is $70 per month for full coverage.

How much is car insurance in Newtown for teenagers?

Car insurance for teenagers costs $170 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 Newtown?

The average cost of car insurance is $787 for a six-month policy. It will cost around $150 per month to insure your car in Newtown.

Is car insurance expensive in Newtown?

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

Cheapest Car Insurance Quotes in Newtown

Why you can trust Way?

How Much Is Car Insurance in Newtown

Avg. Car Insurance in Newtown

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Newtown

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Newtown Car Insurance Rates by Company

Cheap Car Insurance Companies in Newtown, PA

Way's key takeaways about car insurance in Newtown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Newtown

Cheapest Liability Coverage in Newtown, PA

Cheapest Full Coverage Car Insurance in Newtown

Cheapest Full Coverage Car Insurance Quotes in Newtown, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Newtown by Rating Factor

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

Car Insurance Premiums by Age in Newtown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Newtown,PA

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

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 Newtown

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

Newtown Car Insurance Rates by Violation

Newtown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Newtown after a DUI

Newtown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Newtown after Speeding ticket

Car Insurance Price Trends in Newtown, Pennsylvania

Average Car Insurance Cost in Newtown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Newtown, PA

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

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