Cheapest Car Insurance Quotes in Prospect Park

Finding the cheapest car insurance quotes in Prospect Park 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Prospect Park 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 Prospect Park

The car insurance rate in Prospect Park is $1024 for a six-month policy, which is $211 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $464, making it a popular choice for budget-conscious drivers. Rates in Prospect Park 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 Prospect Park

$1024

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Prospect Park

1st place: AutoOwners Insurance Co

At $464 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 $644 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $771 for six months, making it the third cheapest auto insurance company in Prospect Park.

Prospect Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prospect Park, PA is AutoOwners Insurance Co, offering policies at just $464 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $644.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1227 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prospect Park drivers find the best deals.

Cheap Car Insurance Companies in Prospect Park, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$464	$77
American National P&C	$644	$110
Westfield	$771	$129
Travelers	$830	$140
Erie	$1011	$170
Nationwide	$1176	$198
State Farm	$1197	$202
Allstate	$1332	$224
USAA	$1415	$238
Progressive	$1759	$296
Auto-Owners	$479	$82
Encompass	$1227	$204

Key Takeaways

Way's key takeaways about car insurance in Prospect Park

The auto insurance costs in Prospect Park fall around $464 for six months.
The cheapest auto insurance company in Prospect Park is Westfield.
Teen drivers pay the highest rate in Prospect Park at $916 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 Prospect Park

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 Prospect Park are given below.

Westfield provides the cheapest minimum car insurance coverage in Prospect Park. Their Average 6 Month Premium is $180. AutoOwners is the most expensive at $97 for the same period.

Cheapest Liability Coverage in Prospect Park, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$180	$30
Auto-Owners Insurance Co	$188	$32
Erie	$239	$40
American National P&C	$247	$42
Chubb	$262	$44
Travelers	$277	$47
USAA	$329	$55
State Farm	$344	$58
Nationwide	$441	$74
Progressive	$501	$84
Allstate	$674	$113
Auto-Owners	$97	$16

Cheapest Full Coverage Car Insurance in Prospect Park

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 Prospect Park is AutoOwners Insurance Co at $77 per month and $464 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prospect Park, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$464	$77
American National P&C	$644	$110
Westfield	$771	$129
Travelers	$830	$140
Erie	$1011	$170
Nationwide	$1176	$198
State Farm	$1197	$202
Allstate	$1332	$224
USAA	$1415	$238
Progressive	$1759	$296
Auto-Owners	$479	$82
Encompass	$1227	$204

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Prospect Park Instantly!

Average Car Insurance in Prospect Park 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 Prospect Park, PA increasing?

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

Car Insurance Premiums by Age in Prospect Park

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Prospect Park,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Prospect Park at $32 per month. At $5494 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$188	$32
Auto-Owners Insurance Co	$217	$37
American National P&C	$285	$48
Chubb	$314	$53
Erie	$1288	$217
Travelers	$1482	$249
State Farm	$2133	$359
USAA	$2492	$423
Allstate	$3248	$542
Progressive	$3256	$553
Nationwide	$5494	$916

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 Prospect Park, Westfield is the cheapest car insurance provider. At $292 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 Prospect Park is State Farm, offering rates of around $5972 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$292	$49
Auto-Owners Insurance Co	$300	$50
Chubb	$352	$59
American National P&C	$397	$68
USAA	$1280	$213
Nationwide	$1332	$224
Erie	$2335	$389
Allstate	$2814	$479
Travelers	$3068	$512
Progressive	$3428	$583
State Farm	$5972	$995

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Prospect Park.

Car Insurance Rates with An Accident in Prospect Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Prospect Park

The cheapest car insurance companies after an at-fault accident in Prospect Park include Westfield and AutoOwners Insurance Co, offering $262 and $300, respectively. Donegal is an expensive provider with an average six-month premium of $292.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$262	$44
Auto-Owners Insurance Co	$300	$50
Chubb	$352	$59
American National P&C	$359	$60
Erie	$599	$101
State Farm	$696	$117
Travelers	$830	$140
USAA	$1077	$181
Nationwide	$1654	$281
Allstate	$1706	$285
Progressive	$2021	$344
Auto-Owners	$97	$16
Donegal	$292	$49

Prospect Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prospect Park PA. For example, the car insurance in Prospect Park after a DUI increases to $1257 for a six month policy. While the rate increases by $1385 for a six-month policy in the case of a speeding ticket.

Prospect Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1385	$231
Cell phone violation	$1617	$275
Failure to wear a seat belt	$1617	$270
Failure to stop at a red light	$1632	$277
Illegal turn	$1632	$272
Improper passing	$1632	$277
Speeding in school zone	$1632	$272
Texting while driving	$1632	$277
Driving with expired registration	$1639	$273
Speeding 16 - 20 MPH over limit	$1639	$278
Wrong way/wrong lane	$1654	$276
Open container	$1751	$297
Reckless driving	$2553	$426
Racing	$2597	$441
DUI	$2642	$440
Driving with a suspended license	$2657	$452
Leaving scene of an accident/hit and run	$2680	$446

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Prospect Park 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 Prospect Park.

The cheapest car insurance premiums in Prospect Park are offered by American National P&C at $404 for a six-month policy. However, it can be as expensive as $3480 with companies like Nationwide.

Prospect Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$404	$67
Travelers	$868	$146
Erie	$1085	$183
Allstate	$1205	$203
Progressive	$1317	$222
State Farm	$1535	$258
USAA	$1542	$260
Nationwide	$3480	$586

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 Prospect Park are offered by Westfield at $158. However, it can be as expensive as $2426 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Prospect Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$26
Auto-Owners Insurance Co	$202	$34
Erie	$696	$117
State Farm	$891	$150
Travelers	$965	$163
USAA	$1430	$238
Allstate	$1706	$290
Progressive	$2051	$341
Nationwide	$2426	$412

Car Insurance Price Trends in Prospect Park, Pennsylvania

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

The average cost of full coverage in the Prospect Park rose by $231 in January compared to $213 of December. In other words, there has been an increase by $18 when you compare January and December.

The average cost of liability insurance in the Prospect Park rose to $57 in January, compared to $48 in December. This represents an increase of $9 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Prospect Park?

The car insurance in Prospect Park is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Prospect Park?

The cheapest car insurance in Prospect Park is $77 per month for full coverage.

How much is car insurance in Prospect Park for teenagers?

Car insurance for teenagers costs $188 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 Prospect Park?

The average cost of car insurance is $813 for a six-month policy. It will cost around $171 per month to insure your car in Prospect Park.

Is car insurance expensive in Prospect Park?

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

Cheapest Car Insurance Quotes in Prospect Park

Why you can trust Way?

How Much Is Car Insurance in Prospect Park

Avg. Car Insurance in Prospect Park

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Prospect Park

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Prospect Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Prospect Park, PA

Way's key takeaways about car insurance in Prospect Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Prospect Park

Cheapest Liability Coverage in Prospect Park, PA

Cheapest Full Coverage Car Insurance in Prospect Park

Cheapest Full Coverage Car Insurance Quotes in Prospect Park, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Prospect Park by Rating Factor

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

Car Insurance Premiums by Age in Prospect Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Prospect Park,PA

If you are in your twenties N/A is the best choice for car insurance in Prospect Park.

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 Prospect Park

Cheapest Car Insurance Companies after an At-Fault Accident in Prospect Park

Prospect Park Car Insurance Rates by Violation

Prospect Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Prospect Park after a DUI

Prospect Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Prospect Park after Speeding ticket

Car Insurance Price Trends in Prospect Park, Pennsylvania

Average Car Insurance Cost in Prospect Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Prospect Park, PA

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

Featured Blogs

Data Sources