Cheapest Car Insurance Quotes in Penn Estates

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Penn Estates Car Insurance

^$ 30

/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 $1008 for a six-month policy, which is $195 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $456, 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

$1008

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Penn Estates

1st place: AutoOwners Insurance Co

At $456 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 $634 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $759 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 $456 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $634.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1208 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	$456	$76
American National P&C	$634	$108
Westfield	$759	$126
Travelers	$817	$138
Erie	$994	$167
Nationwide	$1157	$195
State Farm	$1178	$198
Allstate	$1311	$221
USAA	$1393	$234
Progressive	$1731	$291
Auto-Owners	$471	$81
Encompass	$1208	$201

Key Takeaways

Way's key takeaways about car insurance in Penn Estates

The auto insurance costs in Penn Estates fall around $456 for six months.
The cheapest auto insurance company in Penn Estates is Westfield.
Teen drivers pay the highest rate in Penn Estates at $901 per month.

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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.

Westfield provides the cheapest minimum car insurance coverage in Penn Estates. Their Average 6 Month Premium is $177. AutoOwners is the most expensive at $95 for the same period.

Cheapest Liability Coverage in Penn Estates, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Auto-Owners Insurance Co	$185	$31
Erie	$236	$40
American National P&C	$243	$41
Chubb	$258	$43
Travelers	$273	$46
USAA	$324	$55
State Farm	$339	$57
Nationwide	$434	$73
Progressive	$494	$83
Allstate	$663	$112
Auto-Owners	$95	$16

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 $76 per month and $456 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	$456	$76
American National P&C	$634	$108
Westfield	$759	$126
Travelers	$817	$138
Erie	$994	$167
Nationwide	$1157	$195
State Farm	$1178	$198
Allstate	$1311	$221
USAA	$1393	$234
Progressive	$1731	$291
Auto-Owners	$471	$81
Encompass	$1208	$201

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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

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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 $5406 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$185	$31
Auto-Owners Insurance Co	$213	$36
American National P&C	$280	$47
Chubb	$309	$52
Erie	$1267	$213
Travelers	$1458	$246
State Farm	$2099	$353
USAA	$2453	$417
Allstate	$3197	$533
Progressive	$3204	$544
Nationwide	$5406	$901

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 Penn Estates, Westfield is the cheapest car insurance provider. At $288 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 $5878 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$288	$48
Auto-Owners Insurance Co	$295	$50
Chubb	$346	$58
American National P&C	$391	$67
USAA	$1260	$210
Nationwide	$1311	$221
Erie	$2298	$383
Allstate	$2769	$471
Travelers	$3019	$503
Progressive	$3374	$574
State Farm	$5878	$980

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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 Westfield and AutoOwners Insurance Co, offering $258 and $295, respectively. Donegal is an expensive provider with an average six-month premium of $288.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$258	$43
Auto-Owners Insurance Co	$295	$50
Chubb	$346	$58
American National P&C	$353	$60
Erie	$589	$99
State Farm	$684	$115
Travelers	$817	$138
USAA	$1060	$179
Nationwide	$1628	$277
Allstate	$1679	$280
Progressive	$1989	$339
Auto-Owners	$95	$16
Donegal	$288	$48

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 $1237 for a six month policy. While the rate increases by $1363 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	$1363	$227
Cell phone violation	$1591	$270
Failure to wear a seat belt	$1591	$265
Failure to stop at a red light	$1606	$273
Illegal turn	$1606	$268
Improper passing	$1606	$273
Speeding in school zone	$1606	$268
Texting while driving	$1606	$273
Driving with expired registration	$1613	$269
Speeding 16 - 20 MPH over limit	$1613	$274
Wrong way/wrong lane	$1628	$272
Open container	$1724	$293
Reckless driving	$2512	$419
Racing	$2556	$434
DUI	$2600	$433
Driving with a suspended license	$2615	$445
Leaving scene of an accident/hit and run	$2637	$439

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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 $398 for a six-month policy. However, it can be as expensive as $3425 with companies like Nationwide.

Penn Estates car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$398	$66
Travelers	$854	$144
Erie	$1068	$180
Allstate	$1185	$200
Progressive	$1296	$218
State Farm	$1510	$254
USAA	$1518	$255
Nationwide	$3425	$577

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 $155. However, it can be as expensive as $2387 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	$155	$26
Auto-Owners Insurance Co	$198	$33
Erie	$684	$115
State Farm	$877	$148
Travelers	$950	$160
USAA	$1407	$234
Allstate	$1679	$285
Progressive	$2019	$336
Nationwide	$2387	$405

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 $227 in January compared to $210 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Penn Estates rose to $56 in January, compared to $47 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Penn Estates?

The car insurance in Penn Estates is $30 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 $76 per month for full coverage.

How much is car insurance in Penn Estates for teenagers?

Car insurance for teenagers costs $185 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 $813 for a six-month policy. It will cost around $169 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: American National P&C

3rd place: Westfield

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 N/A 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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