Cheapest Car Insurance Quotes in Rose Valley

Finding the cheapest car insurance quotes in Rose Valley 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

399,755 Policies Sold

Rose Valley 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 Rose Valley

The car insurance rate in Rose Valley is $960 for a six-month policy, which is $173 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Rose Valley 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 Rose Valley

$960

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Rose Valley

1st place: AutoOwners Insurance Co

At $449 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 $464 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 $623 for six months, making it the third cheapest auto insurance company in Rose Valley.

Rose Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rose Valley, PA is AutoOwners Insurance Co, offering policies at just $449 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $464.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1637 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rose Valley drivers find the best deals.

Cheap Car Insurance Companies in Rose Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$74
Auto-Owners	$464	$79
American National P&C	$623	$104
Travelers	$673	$113
Westfield	$747	$124
Erie	$978	$165
State Farm	$1022	$172
Nationwide	$1050	$177
Encompass	$1188	$198
Allstate	$1290	$217
USAA	$1405	$237
Progressive	$1637	$276

Key Takeaways

Way's key takeaways about car insurance in Rose Valley

The auto insurance costs in Rose Valley fall around $449 for six months.
The cheapest auto insurance company in Rose Valley is AutoOwners.
Teen drivers pay the highest rate in Rose Valley at $764 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 Rose Valley

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 Rose Valley are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Rose Valley. Their Average 6 Month Premium is $94. Allstate is the most expensive at $601 for the same period.

Cheapest Liability Coverage in Rose Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$94	$16
Westfield	$174	$29
Auto-Owners Insurance Co	$182	$31
Travelers	$217	$37
Erie	$232	$39
American National P&C	$239	$40
Chubb	$254	$43
State Farm	$304	$51
USAA	$304	$51
Progressive	$326	$55
Nationwide	$377	$62
Allstate	$601	$102

Cheapest Full Coverage Car Insurance in Rose Valley

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 Rose Valley is AutoOwners Insurance Co at $74 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rose Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$74
Auto-Owners	$464	$79
American National P&C	$623	$104
Travelers	$673	$113
Westfield	$747	$124
Erie	$978	$165
State Farm	$1022	$172
Nationwide	$1050	$177
Encompass	$1188	$198
Allstate	$1290	$217
USAA	$1405	$237
Progressive	$1637	$276

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Rose Valley Instantly!

Average Car Insurance in Rose Valley 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 Rose Valley, PA increasing?

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

Car Insurance Premiums by Age in Rose Valley

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	$688
30s	Travelers	$476
40s	Travelers	$448
50s	Travelers	$428
60s	Travelers	$428
70s	Travelers	$504

Cheapest Car Insurance Rates for Teen Drivers in Rose Valley,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rose Valley at $31 per month. At $4493 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$182	$31
Auto-Owners Insurance Co	$210	$35
American National P&C	$276	$46
Chubb	$304	$51
Travelers	$870	$146
Erie	$1065	$179
State Farm	$1457	$245
USAA	$1913	$318
Allstate	$3203	$544
Progressive	$4435	$739
Nationwide	$4493	$764

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 Rose Valley.

As young drivers face the highest rates in Rose Valley, Travelers offers the cheapest auto insurance rates at $688 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 Rose Valley, Westfield is the cheapest car insurance provider. At $283 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 Rose Valley is State Farm, offering rates of around $3892 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$283	$48
Auto-Owners Insurance Co	$290	$49
Chubb	$340	$57
American National P&C	$384	$66
USAA	$1102	$183
Nationwide	$1116	$188
Erie	$1775	$296
Travelers	$2014	$343
Allstate	$2711	$451
Progressive	$2985	$508
State Farm	$3892	$649

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Rose Valley.

Car Insurance Rates with An Accident in Rose Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rose Valley

The cheapest car insurance companies after an at-fault accident in Rose Valley include AutoOwners and Westfield, offering $94 and $254, respectively. Allstate is an expensive provider with an average six-month premium of $1652.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$94	$16
Westfield	$254	$43
Donegal	$283	$48
Auto-Owners Insurance Co	$290	$49
Chubb	$340	$57
American National P&C	$348	$59
Erie	$434	$73
Travelers	$522	$88
State Farm	$537	$90
USAA	$949	$160
Progressive	$1022	$172
Nationwide	$1348	$224
Allstate	$1652	$281

Rose Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rose Valley PA. For example, the car insurance in Rose Valley after a DUI increases to $1217 for a six month policy. While the rate increases by $1341 for a six-month policy in the case of a speeding ticket.

Rose Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1341	$223
Cell phone violation	$1565	$266
Failure to wear a seat belt	$1565	$261
Failure to stop at a red light	$1580	$268
Illegal turn	$1580	$264
Improper passing	$1580	$268
Speeding in school zone	$1580	$264
Texting while driving	$1580	$268
Driving with expired registration	$1587	$265
Speeding 16 - 20 MPH over limit	$1587	$270
Wrong way/wrong lane	$1602	$267
Open container	$1696	$288
Reckless driving	$2472	$412
Racing	$2514	$427
DUI	$2558	$426
Driving with a suspended license	$2573	$438
Leaving scene of an accident/hit and run	$2595	$432

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 Rose Valley 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 Rose Valley.

The cheapest car insurance premiums in Rose Valley are offered by American National P&C at $392 for a six-month policy. However, it can be as expensive as $3037 with companies like Nationwide.

Rose Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$392	$65
Travelers	$616	$104
Erie	$913	$154
Allstate	$1166	$196
Progressive	$1232	$207
State Farm	$1240	$209
USAA	$1297	$218
Nationwide	$3037	$511

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 Rose Valley are offered by Westfield at $153. However, it can be as expensive as $1964 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Rose Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Auto-Owners Insurance Co	$195	$33
Erie	$558	$94
Travelers	$558	$94
State Farm	$638	$107
USAA	$1232	$210
Allstate	$1652	$276
Progressive	$1753	$298
Nationwide	$1964	$327

Car Insurance Price Trends in Rose Valley, Pennsylvania

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

The average cost of full coverage in the Rose Valley rose by $204 in December compared to $196 of November. In other words, there has been an increase by $8 when you compare December and November.

The average cost of liability insurance in the Rose Valley remained steady at $45 in both December and November, indicating no change over the two month period.

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 Rose Valley?

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

What is the cheapest car insurance in Rose Valley?

The cheapest car insurance in Rose Valley is $74 per month for full coverage.

How much is car insurance in Rose Valley for teenagers?

Car insurance for teenagers costs $182 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 Rose Valley?

The average cost of car insurance is $787 for a six-month policy. It will cost around $161 per month to insure your car in Rose Valley.

Is car insurance expensive in Rose Valley?

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

Cheapest Car Insurance Quotes in Rose Valley

Why you can trust Way?

How Much Is Car Insurance in Rose Valley

Avg. Car Insurance in Rose Valley

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Rose Valley

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Rose Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Rose Valley, PA

Way's key takeaways about car insurance in Rose Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rose Valley

Cheapest Liability Coverage in Rose Valley, PA

Cheapest Full Coverage Car Insurance in Rose Valley

Cheapest Full Coverage Car Insurance Quotes in Rose Valley, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rose Valley by Rating Factor

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

Car Insurance Premiums by Age in Rose Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rose Valley,PA

If you are in your twenties Travelers is the best choice for car insurance in Rose Valley.

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 Rose Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Rose Valley

Rose Valley Car Insurance Rates by Violation

Rose Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rose Valley after a DUI

Rose Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rose Valley after Speeding ticket

Car Insurance Price Trends in Rose Valley, Pennsylvania

Average Car Insurance Cost in Rose Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rose Valley, PA

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

Featured Blogs

Data Sources