Cheapest Car Insurance Quotes in Port Allegany

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Port Allegany Car Insurance

^$ 13

/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 Port Allegany

The car insurance rate in Port Allegany is $803 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $375, making it a popular choice for budget-conscious drivers. Rates in Port Allegany 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 Port Allegany

$803

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Port Allegany

1st place: AutoOwners Insurance Co

At $375 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 $388 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 $521 for six months, making it the third cheapest auto insurance company in Port Allegany.

Port Allegany Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Allegany, PA is AutoOwners Insurance Co, offering policies at just $375 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $388.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1369 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Allegany drivers find the best deals.

Cheap Car Insurance Companies in Port Allegany, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$375	$62
Auto-Owners	$388	$66
American National P&C	$521	$87
Travelers	$563	$95
Westfield	$624	$104
Erie	$818	$138
State Farm	$855	$144
Nationwide	$878	$148
Encompass	$993	$165
Allstate	$1078	$182
USAA	$1175	$198
Progressive	$1369	$231

Key Takeaways

Way's key takeaways about car insurance in Port Allegany

The auto insurance costs in Port Allegany fall around $375 for six months.
The cheapest auto insurance company in Port Allegany is AutoOwners.
Teen drivers pay the highest rate in Port Allegany at $639 per month.

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

Cheapest Minimum Liability Car Insurance in Port Allegany

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 Port Allegany are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Port Allegany. Their Average 6 Month Premium is $79. Allstate is the most expensive at $503 for the same period.

Cheapest Liability Coverage in Port Allegany, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$79	$13
Westfield	$146	$24
Auto-Owners Insurance Co	$152	$26
Travelers	$182	$31
Erie	$194	$33
American National P&C	$200	$34
Chubb	$212	$36
State Farm	$254	$43
USAA	$254	$43
Progressive	$272	$46
Nationwide	$315	$52
Allstate	$503	$86

Cheapest Full Coverage Car Insurance in Port Allegany

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 Port Allegany is AutoOwners Insurance Co at $62 per month and $375 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Allegany, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$375	$62
Auto-Owners	$388	$66
American National P&C	$521	$87
Travelers	$563	$95
Westfield	$624	$104
Erie	$818	$138
State Farm	$855	$144
Nationwide	$878	$148
Encompass	$993	$165
Allstate	$1078	$182
USAA	$1175	$198
Progressive	$1369	$231

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Average Car Insurance in Port Allegany 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 Port Allegany, PA increasing?

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

Car Insurance Premiums by Age in Port Allegany

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	$575
30s	Travelers	$398
40s	Travelers	$374
50s	Travelers	$358
60s	Travelers	$358
70s	Travelers	$421

Cheapest Car Insurance Rates for Teen Drivers in Port Allegany,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Port Allegany at $26 per month. At $3757 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$26
Auto-Owners Insurance Co	$175	$30
American National P&C	$231	$39
Chubb	$254	$43
Travelers	$727	$122
Erie	$890	$150
State Farm	$1218	$205
USAA	$1599	$266
Allstate	$2678	$455
Progressive	$3708	$618
Nationwide	$3757	$639

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 Port Allegany.

As young drivers face the highest rates in Port Allegany, Travelers offers the cheapest auto insurance rates at $575 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 Port Allegany, Westfield is the cheapest car insurance provider. At $237 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 Port Allegany is State Farm, offering rates of around $3254 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$237	$40
Auto-Owners Insurance Co	$243	$41
Chubb	$285	$48
American National P&C	$321	$55
USAA	$921	$153
Nationwide	$933	$157
Erie	$1484	$248
Travelers	$1684	$287
Allstate	$2266	$377
Progressive	$2496	$424
State Farm	$3254	$543

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Save up to $971/yr on car insurance rates in Port Allegany.

Car Insurance Rates with An Accident in Port Allegany

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

Cheapest Car Insurance Companies after an At-Fault Accident in Port Allegany

The cheapest car insurance companies after an at-fault accident in Port Allegany include AutoOwners and Westfield, offering $79 and $212, respectively. Allstate is an expensive provider with an average six-month premium of $1381.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$79	$13
Westfield	$212	$36
Donegal	$237	$40
Auto-Owners Insurance Co	$243	$41
Chubb	$285	$48
American National P&C	$291	$49
Erie	$363	$61
Travelers	$437	$73
State Farm	$449	$75
USAA	$794	$134
Progressive	$855	$144
Nationwide	$1127	$188
Allstate	$1381	$235

Port Allegany Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Allegany PA. For example, the car insurance in Port Allegany after a DUI increases to $1018 for a six month policy. While the rate increases by $1121 for a six-month policy in the case of a speeding ticket.

Port Allegany auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1121	$187
Cell phone violation	$1309	$222
Failure to wear a seat belt	$1309	$218
Failure to stop at a red light	$1321	$224
Illegal turn	$1321	$220
Improper passing	$1321	$224
Speeding in school zone	$1321	$220
Texting while driving	$1321	$224
Driving with expired registration	$1327	$221
Speeding 16 - 20 MPH over limit	$1327	$225
Wrong way/wrong lane	$1339	$223
Open container	$1418	$241
Reckless driving	$2067	$345
Racing	$2102	$357
DUI	$2139	$356
Driving with a suspended license	$2151	$366
Leaving scene of an accident/hit and run	$2170	$361

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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 Port Allegany 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 Port Allegany.

The cheapest car insurance premiums in Port Allegany are offered by American National P&C at $327 for a six-month policy. However, it can be as expensive as $2539 with companies like Nationwide.

Port Allegany car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$327	$54
Travelers	$515	$87
Erie	$763	$129
Allstate	$975	$164
Progressive	$1030	$173
State Farm	$1036	$174
USAA	$1084	$183
Nationwide	$2539	$427

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 Port Allegany are offered by Westfield at $128. However, it can be as expensive as $1642 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Port Allegany after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$128	$21
Auto-Owners Insurance Co	$163	$28
Erie	$466	$79
Travelers	$466	$79
State Farm	$533	$90
USAA	$1030	$175
Allstate	$1381	$231
Progressive	$1466	$249
Nationwide	$1642	$273

Car Insurance Price Trends in Port Allegany, Pennsylvania

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

The average cost of full coverage in the Port Allegany rose by $170 in December compared to $164 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 Port Allegany remained steady at $38 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 Port Allegany?

The car insurance in Port Allegany is $13 per month, which is lower than the national average.

What is the cheapest car insurance in Port Allegany?

The cheapest car insurance in Port Allegany is $62 per month for full coverage.

How much is car insurance in Port Allegany for teenagers?

Car insurance for teenagers costs $152 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 Port Allegany?

The average cost of car insurance is $787 for a six-month policy. It will cost around $135 per month to insure your car in Port Allegany.

Is car insurance expensive in Port Allegany?

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

Cheapest Car Insurance Quotes in Port Allegany

Why you can trust Way?

How Much Is Car Insurance in Port Allegany

Avg. Car Insurance in Port Allegany

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Port Allegany

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Port Allegany Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Allegany, PA

Way's key takeaways about car insurance in Port Allegany

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Allegany

Cheapest Liability Coverage in Port Allegany, PA

Cheapest Full Coverage Car Insurance in Port Allegany

Cheapest Full Coverage Car Insurance Quotes in Port Allegany, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Allegany by Rating Factor

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

Car Insurance Premiums by Age in Port Allegany

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Port Allegany,PA

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

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 Port Allegany

Cheapest Car Insurance Companies after an At-Fault Accident in Port Allegany

Port Allegany Car Insurance Rates by Violation

Port Allegany auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Allegany after a DUI

Port Allegany car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Allegany after Speeding ticket

Car Insurance Price Trends in Port Allegany, Pennsylvania

Average Car Insurance Cost in Port Allegany by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Port Allegany, PA

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

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Data Sources