Cheapest Car Insurance Quotes in Rural Valley

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Rural Valley Car Insurance

^$ 14

/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 Rural Valley

The car insurance rate in Rural Valley is $842 for a six-month policy, which is $55 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Rural 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 Rural Valley

$842

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Rural Valley

1st place: AutoOwners Insurance Co

At $394 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 $407 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 $547 for six months, making it the third cheapest auto insurance company in Rural Valley.

Rural Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rural Valley, PA is AutoOwners Insurance Co, offering policies at just $394 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $407.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1436 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rural Valley drivers find the best deals.

Cheap Car Insurance Companies in Rural Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$394	$65
Auto-Owners	$407	$70
American National P&C	$547	$91
Travelers	$591	$100
Westfield	$655	$109
Erie	$858	$144
State Farm	$897	$151
Nationwide	$921	$155
Encompass	$1042	$173
Allstate	$1131	$190
USAA	$1233	$208
Progressive	$1436	$242

Key Takeaways

Way's key takeaways about car insurance in Rural Valley

The auto insurance costs in Rural Valley fall around $394 for six months.
The cheapest auto insurance company in Rural Valley is AutoOwners.
Teen drivers pay the highest rate in Rural Valley at $670 per month.

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Cheapest Minimum Liability Car Insurance in Rural 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 Rural Valley are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Rural Valley. Their Average 6 Month Premium is $82. Allstate is the most expensive at $528 for the same period.

Cheapest Liability Coverage in Rural Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$82	$14
Westfield	$153	$26
Auto-Owners Insurance Co	$159	$27
Travelers	$190	$32
Erie	$203	$34
American National P&C	$210	$35
Chubb	$223	$37
State Farm	$266	$45
USAA	$266	$45
Progressive	$286	$48
Nationwide	$331	$55
Allstate	$528	$90

Cheapest Full Coverage Car Insurance in Rural 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 Rural Valley is AutoOwners Insurance Co at $65 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rural Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$394	$65
Auto-Owners	$407	$70
American National P&C	$547	$91
Travelers	$591	$100
Westfield	$655	$109
Erie	$858	$144
State Farm	$897	$151
Nationwide	$921	$155
Encompass	$1042	$173
Allstate	$1131	$190
USAA	$1233	$208
Progressive	$1436	$242

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Average Car Insurance in Rural 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 Rural Valley, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Rural 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, Rural 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 Rural 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	$603
30s	Travelers	$417
40s	Travelers	$393
50s	Travelers	$376
60s	Travelers	$376
70s	Travelers	$442

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rural Valley at $27 per month. At $3941 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
Auto-Owners Insurance Co	$184	$31
American National P&C	$242	$41
Chubb	$266	$45
Travelers	$763	$128
Erie	$934	$157
State Farm	$1278	$215
USAA	$1678	$279
Allstate	$2809	$477
Progressive	$3889	$648
Nationwide	$3941	$670

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 Rural Valley.

As young drivers face the highest rates in Rural Valley, Travelers offers the cheapest auto insurance rates at $603 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 Rural Valley, Westfield is the cheapest car insurance provider. At $248 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 Rural Valley is State Farm, offering rates of around $3413 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$248	$42
Auto-Owners Insurance Co	$255	$43
Chubb	$299	$50
American National P&C	$337	$58
USAA	$966	$161
Nationwide	$979	$165
Erie	$1557	$260
Travelers	$1767	$301
Allstate	$2378	$396
Progressive	$2618	$445
State Farm	$3413	$569

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Car Insurance Rates with An Accident in Rural 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 Rural Valley, PA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Rural Valley include AutoOwners and Westfield, offering $82 and $223, respectively. Allstate is an expensive provider with an average six-month premium of $1449.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$82	$14
Westfield	$223	$37
Donegal	$248	$42
Auto-Owners Insurance Co	$255	$43
Chubb	$299	$50
American National P&C	$305	$51
Erie	$381	$64
Travelers	$458	$77
State Farm	$471	$79
USAA	$832	$140
Progressive	$897	$151
Nationwide	$1182	$197
Allstate	$1449	$246

Rural Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rural Valley PA. For example, the car insurance in Rural Valley after a DUI increases to $1068 for a six month policy. While the rate increases by $1176 for a six-month policy in the case of a speeding ticket.

Rural Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
Cell phone violation	$1373	$233
Failure to wear a seat belt	$1373	$229
Failure to stop at a red light	$1386	$235
Illegal turn	$1386	$231
Improper passing	$1386	$235
Speeding in school zone	$1386	$231
Texting while driving	$1386	$235
Driving with expired registration	$1392	$232
Speeding 16 - 20 MPH over limit	$1392	$236
Wrong way/wrong lane	$1405	$234
Open container	$1487	$253
Reckless driving	$2168	$362
Racing	$2205	$375
DUI	$2244	$373
Driving with a suspended license	$2257	$384
Leaving scene of an accident/hit and run	$2276	$379

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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 Rural 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 Rural Valley.

The cheapest car insurance premiums in Rural Valley are offered by American National P&C at $343 for a six-month policy. However, it can be as expensive as $2663 with companies like Nationwide.

Rural Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$343	$57
Travelers	$540	$91
Erie	$800	$135
Allstate	$1023	$172
Progressive	$1081	$182
State Farm	$1087	$183
USAA	$1137	$192
Nationwide	$2663	$448

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 Rural Valley are offered by Westfield at $134. However, it can be as expensive as $1723 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Rural Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$22
Auto-Owners Insurance Co	$171	$29
Erie	$489	$82
Travelers	$489	$82
State Farm	$560	$94
USAA	$1081	$184
Allstate	$1449	$242
Progressive	$1538	$261
Nationwide	$1723	$287

Car Insurance Price Trends in Rural Valley, Pennsylvania

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

The average cost of full coverage in the Rural Valley rose by $179 in December compared to $172 of November. In other words, there has been an increase by $7 when you compare December and November.

The average cost of liability insurance in the Rural Valley remained steady at $40 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 Rural Valley?

The car insurance in Rural Valley is $14 per month, which is lower than the national average.

What is the cheapest car insurance in Rural Valley?

The cheapest car insurance in Rural Valley is $65 per month for full coverage.

How much is car insurance in Rural Valley for teenagers?

Car insurance for teenagers costs $159 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 Rural Valley?

The average cost of car insurance is $787 for a six-month policy. It will cost around $141 per month to insure your car in Rural Valley.

Is car insurance expensive in Rural Valley?

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

Cheapest Car Insurance Quotes in Rural Valley

Why you can trust Way?

How Much Is Car Insurance in Rural Valley

Avg. Car Insurance in Rural Valley

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Rural Valley

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Rural Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Rural Valley, PA

Way's key takeaways about car insurance in Rural Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rural Valley

Cheapest Liability Coverage in Rural Valley, PA

Cheapest Full Coverage Car Insurance in Rural Valley

Cheapest Full Coverage Car Insurance Quotes in Rural Valley, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rural Valley by Rating Factor

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

Car Insurance Premiums by Age in Rural Valley

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Rural Valley Car Insurance Rates by Violation

Rural Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rural Valley after a DUI

Rural Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rural Valley after Speeding ticket

Car Insurance Price Trends in Rural Valley, Pennsylvania

Average Car Insurance Cost in Rural Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rural Valley, PA

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

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