Cheapest Car Insurance Quotes in Penn Estates

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Penn Estates Car Insurance

^$ 16

/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 Penn Estates

The car insurance rate in Penn Estates is $968 for a six-month policy, which is $181 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $453, making it a popular choice for budget-conscious drivers. Rates in Penn Estates 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 Penn Estates

$968

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Penn Estates

1st place: AutoOwners Insurance Co

At $453 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 $467 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 $629 for six months, making it the third cheapest auto insurance company in Penn Estates.

Penn Estates Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Penn Estates, PA is AutoOwners Insurance Co, offering policies at just $453 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $467.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1651 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Penn Estates drivers find the best deals.

Cheap Car Insurance Companies in Penn Estates, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$453	$75
Auto-Owners	$467	$80
American National P&C	$629	$105
Travelers	$679	$114
Westfield	$753	$125
Erie	$986	$166
State Farm	$1031	$173
Nationwide	$1059	$178
Encompass	$1198	$199
Allstate	$1300	$219
USAA	$1417	$239
Progressive	$1651	$278

Key Takeaways

Way's key takeaways about car insurance in Penn Estates

The auto insurance costs in Penn Estates fall around $453 for six months.
The cheapest auto insurance company in Penn Estates is AutoOwners.
Teen drivers pay the highest rate in Penn Estates at $770 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Penn Estates

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 Penn Estates are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Penn Estates. Their Average 6 Month Premium is $95. Allstate is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Penn Estates, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$95	$16
Westfield	$176	$30
Auto-Owners Insurance Co	$183	$31
Travelers	$219	$37
Erie	$234	$39
American National P&C	$241	$41
Chubb	$256	$43
State Farm	$306	$52
USAA	$306	$52
Progressive	$328	$55
Nationwide	$380	$63
Allstate	$606	$103

Cheapest Full Coverage Car Insurance in Penn Estates

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 Penn Estates is AutoOwners Insurance Co at $75 per month and $453 for six months.

Cheapest Full Coverage Car Insurance Quotes in Penn Estates, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$453	$75
Auto-Owners	$467	$80
American National P&C	$629	$105
Travelers	$679	$114
Westfield	$753	$125
Erie	$986	$166
State Farm	$1031	$173
Nationwide	$1059	$178
Encompass	$1198	$199
Allstate	$1300	$219
USAA	$1417	$239
Progressive	$1651	$278

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Average Car Insurance in Penn Estates 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 Penn Estates, PA increasing?

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

Car Insurance Premiums by Age in Penn Estates

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	$694
30s	Travelers	$480
40s	Travelers	$451
50s	Travelers	$432
60s	Travelers	$432
70s	Travelers	$508

Cheapest Car Insurance Rates for Teen Drivers in Penn Estates,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Penn Estates at $31 per month. At $4530 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$183	$31
Auto-Owners Insurance Co	$212	$36
American National P&C	$278	$47
Chubb	$306	$52
Travelers	$877	$148
Erie	$1074	$181
State Farm	$1469	$247
USAA	$1929	$321
Allstate	$3229	$549
Progressive	$4471	$745
Nationwide	$4530	$770

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 Penn Estates.

As young drivers face the highest rates in Penn Estates, Travelers offers the cheapest auto insurance rates at $694 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 Penn Estates, Westfield is the cheapest car insurance provider. At $285 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 Penn Estates is State Farm, offering rates of around $3924 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$285	$48
Auto-Owners Insurance Co	$293	$49
Chubb	$343	$58
American National P&C	$387	$66
USAA	$1111	$185
Nationwide	$1125	$189
Erie	$1790	$299
Travelers	$2031	$346
Allstate	$2733	$455
Progressive	$3010	$512
State Farm	$3924	$654

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Save up to $971/yr on car insurance rates in Penn Estates.

Car Insurance Rates with An Accident in Penn Estates

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

Cheapest Car Insurance Companies after an At-Fault Accident in Penn Estates

The cheapest car insurance companies after an at-fault accident in Penn Estates include AutoOwners and Westfield, offering $95 and $256, respectively. Allstate is an expensive provider with an average six-month premium of $1665.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$95	$16
Westfield	$256	$43
Donegal	$285	$48
Auto-Owners Insurance Co	$293	$49
Chubb	$343	$58
American National P&C	$351	$59
Erie	$438	$74
Travelers	$526	$89
State Farm	$541	$91
USAA	$957	$161
Progressive	$1031	$173
Nationwide	$1359	$226
Allstate	$1665	$283

Penn Estates Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Penn Estates PA. For example, the car insurance in Penn Estates after a DUI increases to $1227 for a six month policy. While the rate increases by $1352 for a six-month policy in the case of a speeding ticket.

Penn Estates auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1352	$225
Cell phone violation	$1578	$268
Failure to wear a seat belt	$1578	$263
Failure to stop at a red light	$1593	$271
Illegal turn	$1593	$266
Improper passing	$1593	$271
Speeding in school zone	$1593	$266
Texting while driving	$1593	$271
Driving with expired registration	$1600	$267
Speeding 16 - 20 MPH over limit	$1600	$272
Wrong way/wrong lane	$1615	$269
Open container	$1710	$290
Reckless driving	$2492	$416
Racing	$2535	$431
DUI	$2579	$429
Driving with a suspended license	$2594	$442
Leaving scene of an accident/hit and run	$2616	$435

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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 Penn Estates 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 Penn Estates.

The cheapest car insurance premiums in Penn Estates are offered by American National P&C at $395 for a six-month policy. However, it can be as expensive as $3061 with companies like Nationwide.

Penn Estates car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$395	$65
Travelers	$621	$105
Erie	$920	$155
Allstate	$1176	$198
Progressive	$1242	$209
State Farm	$1250	$210
USAA	$1307	$220
Nationwide	$3061	$515

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 Penn Estates are offered by Westfield at $154. However, it can be as expensive as $1980 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Penn Estates after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$154	$26
Auto-Owners Insurance Co	$197	$33
Erie	$562	$95
Travelers	$562	$95
State Farm	$643	$108
USAA	$1242	$212
Allstate	$1665	$278
Progressive	$1768	$300
Nationwide	$1980	$330

Car Insurance Price Trends in Penn Estates, Pennsylvania

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

The average cost of full coverage in the Penn Estates rose by $205 in December compared to $198 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 Penn Estates remained steady at $46 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 Penn Estates?

The car insurance in Penn Estates is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Penn Estates?

The cheapest car insurance in Penn Estates is $75 per month for full coverage.

How much is car insurance in Penn Estates for teenagers?

Car insurance for teenagers costs $183 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 Penn Estates?

The average cost of car insurance is $787 for a six-month policy. It will cost around $162 per month to insure your car in Penn Estates.

Is car insurance expensive in Penn Estates?

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

Cheapest Car Insurance Quotes in Penn Estates

Why you can trust Way?

How Much Is Car Insurance in Penn Estates

Avg. Car Insurance in Penn Estates

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Penn Estates

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Penn Estates Car Insurance Rates by Company

Cheap Car Insurance Companies in Penn Estates, PA

Way's key takeaways about car insurance in Penn Estates

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Penn Estates

Cheapest Liability Coverage in Penn Estates, PA

Cheapest Full Coverage Car Insurance in Penn Estates

Cheapest Full Coverage Car Insurance Quotes in Penn Estates, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Penn Estates by Rating Factor

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

Car Insurance Premiums by Age in Penn Estates

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Penn Estates,PA

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

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 Penn Estates

Cheapest Car Insurance Companies after an At-Fault Accident in Penn Estates

Penn Estates Car Insurance Rates by Violation

Penn Estates auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Penn Estates after a DUI

Penn Estates car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Penn Estates after Speeding ticket

Car Insurance Price Trends in Penn Estates, Pennsylvania

Average Car Insurance Cost in Penn Estates by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Penn Estates, PA

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

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