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Finding the cheapest car insurance quotes in Northpoint shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Northpoint
The car insurance rate in Northpoint is $881 for a six-month policy, which is $94 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Northpoint 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.
At $412 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 $426 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 $572
for six months, making it
the third cheapest auto insurance company in Northpoint.
Northpoint Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Northpoint, PA is AutoOwners Insurance Co, offering policies at just $412 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $426.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1503 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Northpoint drivers find the best deals.
Way's key takeaways about car insurance in Northpoint
The auto insurance costs in Northpoint fall around $412 for six
months.
The cheapest auto insurance company in Northpoint is AutoOwners.
Teen drivers pay the highest rate in Northpoint at $701 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Northpoint
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 Northpoint are given below.
AutoOwners provides
the cheapest minimum car insurance
coverage in Northpoint. Their Average 6 Month Premium is $86.
Allstate is the most
expensive at $552 for the same
period.
Cheapest Full Coverage Car Insurance in Northpoint
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 Northpoint is AutoOwners Insurance Co
at $68 per month and $412
for six months.
Cheapest Full Coverage Car Insurance Quotes in Northpoint,
PA
Get Your Car Insurance Quote in Northpoint
Instantly!
Average Car Insurance in Northpoint 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 Northpoint, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Northpoint, 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, Northpoint's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Northpoint
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
$632
30s
Travelers
$437
40s
Travelers
$411
50s
Travelers
$393
60s
Travelers
$393
70s
Travelers
$463
Cheapest Car Insurance Rates for Teen Drivers in
Northpoint,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Northpoint at $28
per
month. At $4125 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Northpoint.
As young drivers face the highest rates in Northpoint, Travelers
offers the cheapest auto insurance rates at $632 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 Northpoint,
Westfield is
the cheapest car insurance provider. At $260 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
Northpoint is State Farm, offering
rates of around $3573 for six
months.
Save up to $971/yr on car insurance rates in Northpoint.
Car Insurance Rates with An Accident in Northpoint
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 Northpoint, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Northpoint
The cheapest car insurance companies after an at-fault accident in
Northpoint include AutoOwners
and Westfield, offering $86
and $233,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1516.
Here is a list of driving violations that can increase your car
insurance rates in Northpoint PA. For example, the car
insurance in Northpoint
after a DUI increases to $1118 for a six
month policy. While the rate increases by $1231 for a six-month policy in the case of
a speeding ticket.
Northpoint auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1231
$205
Cell phone violation
$1437
$244
Failure to wear a seat belt
$1437
$240
Failure to stop at a red light
$1450
$246
Illegal turn
$1450
$242
Improper passing
$1450
$246
Speeding in school zone
$1450
$242
Texting while driving
$1450
$246
Driving with expired registration
$1457
$243
Speeding 16 - 20 MPH over limit
$1457
$248
Wrong way/wrong lane
$1471
$245
Open container
$1557
$264
Reckless driving
$2269
$379
Racing
$2308
$392
DUI
$2349
$391
Driving with a suspended license
$2362
$402
Leaving scene of an accident/hit and run
$2382
$396
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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 Northpoint 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 Northpoint.
The cheapest car insurance premiums in
Northpoint are
offered by American National P&C at $360 for a six-month policy.
However, it can be as
expensive as $2788 with companies
like Nationwide.
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 Northpoint are offered by Westfield
at $140. However,
it can be as expensive as $1803
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Northpoint after Speeding ticket
Car Insurance Price Trends in Northpoint,
Pennsylvania
Car insurance rates in Northpoint have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Northpoint rose by
$187 in December
compared to $180 of November. In other words, there has been an increase by $7 when you
compare December and November.
The average cost of liability insurance in the Northpoint remained steady at $41 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Northpoint by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Northpoint. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Northpoint?
The car insurance in Northpoint is $15 per month, which is lower than the national average.
What is the cheapest car insurance in Northpoint?
The cheapest car insurance in Northpoint
is $68 per month
for full coverage.
How much is car insurance in Northpoint for teenagers?
Car insurance for teenagers costs $167 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
Northpoint?
The average cost of car insurance is $787 for a six-month
policy. It will cost around $148 per month to insure your
car in Northpoint.
Is car insurance expensive in Northpoint?
Car insurance can be expensive in Northpoint if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Northpoint can be
affordable.
What is the best car insurance in Northpoint,
PA?
The best car insurance company in Northpoint
PA is
AutoOwners Insurance Co, offering $412 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Northpoint, PA
Car Insurance Rates by State in the USA (2025 Update)
Northpoint Car Insurance
