Cheapest Car Insurance Quotes in Norristown

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401,895 Policies Sold

Norristown Car Insurance

^$ 28

/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 Norristown

The car insurance rate in Norristown is $911 for a six-month policy, which is $132 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Norristown 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 Norristown

$911

Avg. Car Insurance in Pennsylvania

$779

National Average

$1140

Cheapest Car Insurance Companies in Norristown

1st place: AutoOwners Insurance Co

At $431 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 $598 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $646 for six months, making it the third cheapest auto insurance company in Norristown.

Norristown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Norristown, PA is AutoOwners Insurance Co, offering policies at just $431 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $598.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1140 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Norristown drivers find the best deals.

Cheap Car Insurance Companies in Norristown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$431	$71
American National P&C	$598	$102
Travelers	$646	$109
Westfield	$716	$122
Erie	$889	$150
State Farm	$980	$165
Nationwide	$1035	$174
Allstate	$1237	$208
USAA	$1251	$211
Progressive	$1570	$264
Auto-Owners	$445	$76
Encompass	$1140	$190

Key Takeaways

Way's key takeaways about car insurance in Norristown

The auto insurance costs in Norristown fall around $431 for six months.
The cheapest auto insurance company in Norristown is Westfield.
Teen drivers pay the highest rate in Norristown at $718 per month.

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Cheapest Minimum Liability Car Insurance in Norristown

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 Norristown are given below.

Westfield provides the cheapest minimum car insurance coverage in Norristown. Their Average 6 Month Premium is $167. AutoOwners is the most expensive at $90 for the same period.

Cheapest Liability Coverage in Norristown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$167	$28
Auto-Owners Insurance Co	$174	$29
Travelers	$208	$35
Erie	$222	$37
American National P&C	$229	$39
Chubb	$243	$41
State Farm	$291	$49
USAA	$312	$53
Progressive	$355	$59
Nationwide	$362	$62
Allstate	$577	$96
Auto-Owners	$90	$15

Cheapest Full Coverage Car Insurance in Norristown

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 Norristown is AutoOwners Insurance Co at $71 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Norristown, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$431	$71
American National P&C	$598	$102
Travelers	$646	$109
Westfield	$716	$122
Erie	$889	$150
State Farm	$980	$165
Nationwide	$1035	$174
Allstate	$1237	$208
USAA	$1251	$211
Progressive	$1570	$264
Auto-Owners	$445	$76
Encompass	$1140	$190

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Average Car Insurance in Norristown 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 Norristown, PA increasing?

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

Car Insurance Premiums by Age in Norristown

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	$660
30s	Travelers	$456
40s	Travelers	$429
50s	Travelers	$411
60s	Travelers	$411
70s	Travelers	$483

Cheapest Car Insurance Rates for Teen Drivers in Norristown,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Norristown at $29 per month. At $4309 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$174	$29
Auto-Owners Insurance Co	$201	$34
American National P&C	$264	$44
Chubb	$291	$49
Travelers	$834	$140
Erie	$1021	$172
State Farm	$1397	$235
USAA	$1835	$312
Allstate	$3071	$512
Progressive	$4253	$723
Nationwide	$4309	$718

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 Norristown.

As young drivers face the highest rates in Norristown, Travelers offers the cheapest auto insurance rates at $660 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 Norristown, Westfield is the cheapest car insurance provider. At $271 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 Norristown is State Farm, offering rates of around $3732 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$271	$46
Auto-Owners Insurance Co	$278	$47
Chubb	$326	$55
American National P&C	$369	$63
USAA	$1057	$176
Nationwide	$1071	$180
Erie	$1702	$284
Travelers	$1932	$329
Allstate	$2600	$433
Progressive	$2863	$487
State Farm	$3732	$622

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Car Insurance Rates with An Accident in Norristown

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

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

The cheapest car insurance companies after an at-fault accident in Norristown include Westfield and AutoOwners Insurance Co, offering $243 and $278, respectively. Donegal is an expensive provider with an average six-month premium of $271.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$243	$41
Auto-Owners Insurance Co	$278	$47
Chubb	$326	$55
American National P&C	$333	$56
Erie	$480	$81
Travelers	$501	$84
State Farm	$515	$87
USAA	$910	$153
Nationwide	$1293	$220
Allstate	$1584	$264
Progressive	$1681	$285
Auto-Owners	$90	$15
Donegal	$271	$46

Norristown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Norristown PA. For example, the car insurance in Norristown after a DUI increases to $1167 for a six month policy. While the rate increases by $1286 for a six-month policy in the case of a speeding ticket.

Norristown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1286	$214
Cell phone violation	$1501	$255
Failure to wear a seat belt	$1501	$250
Failure to stop at a red light	$1515	$257
Illegal turn	$1515	$253
Improper passing	$1515	$257
Speeding in school zone	$1515	$253
Texting while driving	$1515	$257
Driving with expired registration	$1522	$254
Speeding 16 - 20 MPH over limit	$1522	$259
Wrong way/wrong lane	$1536	$256
Open container	$1626	$276
Reckless driving	$2370	$395
Racing	$2411	$410
DUI	$2453	$408
Driving with a suspended license	$2468	$420
Leaving scene of an accident/hit and run	$2489	$414

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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 Norristown 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 Norristown.

The cheapest car insurance premiums in Norristown are offered by American National P&C at $376 for a six-month policy. However, it can be as expensive as $2912 with companies like Nationwide.

Norristown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$376	$62
Travelers	$591	$99
Erie	$875	$147
Allstate	$1119	$188
Progressive	$1182	$199
State Farm	$1189	$200
USAA	$1244	$209
Nationwide	$2912	$490

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 Norristown are offered by Westfield at $146. However, it can be as expensive as $1884 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Norristown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Auto-Owners Insurance Co	$187	$32
Erie	$535	$90
Travelers	$535	$90
State Farm	$612	$103
USAA	$1182	$197
Allstate	$1584	$269
Progressive	$1681	$281
Nationwide	$1884	$321

Car Insurance Price Trends in Norristown, Pennsylvania

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

The average cost of full coverage in the Norristown rose by $198 in December compared to $195 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Norristown rose to $44 in December, compared to $43 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Norristown?

The car insurance in Norristown is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Norristown?

The cheapest car insurance in Norristown is $71 per month for full coverage.

How much is car insurance in Norristown for teenagers?

Car insurance for teenagers costs $174 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 Norristown?

The average cost of car insurance is $779 for a six-month policy. It will cost around $153 per month to insure your car in Norristown.

Is car insurance expensive in Norristown?

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

Cheapest Car Insurance Quotes in Norristown

Why you can trust Way?

How Much Is Car Insurance in Norristown

Avg. Car Insurance in Norristown

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Norristown

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Travelers

Norristown Car Insurance Rates by Company

Cheap Car Insurance Companies in Norristown, PA

Way's key takeaways about car insurance in Norristown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Norristown

Cheapest Liability Coverage in Norristown, PA

Cheapest Full Coverage Car Insurance in Norristown

Cheapest Full Coverage Car Insurance Quotes in Norristown, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Norristown by Rating Factor

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

Car Insurance Premiums by Age in Norristown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Norristown,PA

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

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 Norristown

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

Norristown Car Insurance Rates by Violation

Norristown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Norristown after a DUI

Norristown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Norristown after Speeding ticket

Car Insurance Price Trends in Norristown, Pennsylvania

Average Car Insurance Cost in Norristown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Norristown, PA

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

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