Cheapest Car Insurance Quotes in Rheems

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Rheems Car Insurance

^$ 20

/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 Rheems

The car insurance rate in Rheems is $683 for a six-month policy, which is $130 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $309, making it a popular choice for budget-conscious drivers. Rates in Rheems 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 Rheems

$683

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Rheems

1st place: AutoOwners Insurance Co

At $309 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 $429 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $514 for six months, making it the third cheapest auto insurance company in Rheems.

Rheems Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rheems, PA is AutoOwners Insurance Co, offering policies at just $309 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $429.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $818 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rheems drivers find the best deals.

Cheap Car Insurance Companies in Rheems, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$309	$51
American National P&C	$429	$73
Westfield	$514	$86
Travelers	$554	$93
Erie	$674	$113
Nationwide	$784	$132
State Farm	$798	$134
Allstate	$888	$150
USAA	$943	$159
Progressive	$1173	$197
Auto-Owners	$319	$55
Encompass	$818	$136

Key Takeaways

Way's key takeaways about car insurance in Rheems

The auto insurance costs in Rheems fall around $309 for six months.
The cheapest auto insurance company in Rheems is Westfield.
Teen drivers pay the highest rate in Rheems at $611 per month.

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Cheapest Minimum Liability Car Insurance in Rheems

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 Rheems are given below.

Westfield provides the cheapest minimum car insurance coverage in Rheems. Their Average 6 Month Premium is $120. AutoOwners is the most expensive at $65 for the same period.

Cheapest Liability Coverage in Rheems, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$120	$20
Auto-Owners Insurance Co	$125	$21
Erie	$160	$27
American National P&C	$165	$28
Chubb	$175	$29
Travelers	$185	$31
USAA	$219	$37
State Farm	$229	$39
Nationwide	$294	$50
Progressive	$334	$56
Allstate	$449	$76
Auto-Owners	$65	$11

Cheapest Full Coverage Car Insurance in Rheems

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 Rheems is AutoOwners Insurance Co at $51 per month and $309 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rheems, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$309	$51
American National P&C	$429	$73
Westfield	$514	$86
Travelers	$554	$93
Erie	$674	$113
Nationwide	$784	$132
State Farm	$798	$134
Allstate	$888	$150
USAA	$943	$159
Progressive	$1173	$197
Auto-Owners	$319	$55
Encompass	$818	$136

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Average Car Insurance in Rheems 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 Rheems, PA increasing?

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

Car Insurance Premiums by Age in Rheems

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 Rheems,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rheems at $21 per month. At $3662 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$125	$21
Auto-Owners Insurance Co	$144	$24
American National P&C	$190	$32
Chubb	$209	$35
Erie	$858	$144
Travelers	$988	$166
State Farm	$1422	$239
USAA	$1662	$282
Allstate	$2166	$361
Progressive	$2171	$369
Nationwide	$3662	$611

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 Rheems, Westfield is the cheapest car insurance provider. At $195 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 Rheems is State Farm, offering rates of around $3982 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$195	$33
Auto-Owners Insurance Co	$200	$34
Chubb	$234	$39
American National P&C	$265	$45
USAA	$853	$142
Nationwide	$888	$150
Erie	$1557	$260
Allstate	$1876	$319
Travelers	$2045	$341
Progressive	$2286	$389
State Farm	$3982	$664

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Car Insurance Rates with An Accident in Rheems

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rheems

The cheapest car insurance companies after an at-fault accident in Rheems include Westfield and AutoOwners Insurance Co, offering $175 and $200, respectively. Donegal is an expensive provider with an average six-month premium of $195.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$175	$29
Auto-Owners Insurance Co	$200	$34
Chubb	$234	$39
American National P&C	$239	$40
Erie	$399	$67
State Farm	$464	$78
Travelers	$554	$93
USAA	$718	$121
Nationwide	$1103	$187
Allstate	$1137	$190
Progressive	$1347	$229
Auto-Owners	$65	$11
Donegal	$195	$33

Rheems Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rheems PA. For example, the car insurance in Rheems after a DUI increases to $838 for a six month policy. While the rate increases by $923 for a six-month policy in the case of a speeding ticket.

Rheems auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$923	$154
Cell phone violation	$1078	$183
Failure to wear a seat belt	$1078	$180
Failure to stop at a red light	$1088	$185
Illegal turn	$1088	$181
Improper passing	$1088	$185
Speeding in school zone	$1088	$181
Texting while driving	$1088	$185
Driving with expired registration	$1093	$182
Speeding 16 - 20 MPH over limit	$1093	$186
Wrong way/wrong lane	$1103	$184
Open container	$1168	$198
Reckless driving	$1702	$284
Racing	$1731	$294
DUI	$1761	$293
Driving with a suspended license	$1772	$302
Leaving scene of an accident/hit and run	$1787	$297

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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 Rheems 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 Rheems.

The cheapest car insurance premiums in Rheems are offered by American National P&C at $270 for a six-month policy. However, it can be as expensive as $2320 with companies like Nationwide.

Rheems car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$270	$45
Travelers	$579	$97
Erie	$723	$122
Allstate	$803	$135
Progressive	$878	$148
State Farm	$1023	$172
USAA	$1028	$173
Nationwide	$2320	$391

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 Rheems are offered by Westfield at $105. However, it can be as expensive as $1617 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Rheems after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$105	$18
Auto-Owners Insurance Co	$134	$23
Erie	$464	$78
State Farm	$594	$100
Travelers	$643	$108
USAA	$953	$159
Allstate	$1137	$193
Progressive	$1368	$228
Nationwide	$1617	$275

Car Insurance Price Trends in Rheems, Pennsylvania

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

The average cost of full coverage in the Rheems rose by $154 in January compared to $142 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Rheems rose to $38 in January, compared to $32 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rheems?

The car insurance in Rheems is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Rheems?

The cheapest car insurance in Rheems is $51 per month for full coverage.

How much is car insurance in Rheems for teenagers?

Car insurance for teenagers costs $125 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 Rheems?

The average cost of car insurance is $813 for a six-month policy. It will cost around $114 per month to insure your car in Rheems.

Is car insurance expensive in Rheems?

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

Cheapest Car Insurance Quotes in Rheems

Why you can trust Way?

How Much Is Car Insurance in Rheems

Avg. Car Insurance in Rheems

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Rheems

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Rheems Car Insurance Rates by Company

Cheap Car Insurance Companies in Rheems, PA

Way's key takeaways about car insurance in Rheems

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rheems

Cheapest Liability Coverage in Rheems, PA

Cheapest Full Coverage Car Insurance in Rheems

Cheapest Full Coverage Car Insurance Quotes in Rheems, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rheems by Rating Factor

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

Car Insurance Premiums by Age in Rheems

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rheems,PA

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

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 Rheems

Cheapest Car Insurance Companies after an At-Fault Accident in Rheems

Rheems Car Insurance Rates by Violation

Rheems auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rheems after a DUI

Rheems car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rheems after Speeding ticket

Car Insurance Price Trends in Rheems, Pennsylvania

Average Car Insurance Cost in Rheems by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rheems, PA

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

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