Cheapest Car Insurance Quotes in Saw Creek

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Saw Creek 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 Saw Creek

The car insurance rate in Saw Creek is $992 for a six-month policy, which is $205 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 Saw Creek 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 Saw Creek

$992

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Saw Creek

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: AutoOwners

AutoOwners offers auto insurance rates at $479 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 $644 for six months, making it the third cheapest auto insurance company in Saw Creek.

Saw Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Saw Creek, PA is AutoOwners Insurance Co, offering policies at just $464 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $479.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1691 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Saw Creek drivers find the best deals.

Cheap Car Insurance Companies in Saw Creek, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$464	$77
Auto-Owners	$479	$82
American National P&C	$644	$107
Travelers	$696	$117
Westfield	$771	$129
Erie	$1011	$170
State Farm	$1056	$178
Nationwide	$1085	$183
Encompass	$1227	$204
Allstate	$1332	$224
USAA	$1452	$244
Progressive	$1691	$285

Key Takeaways

Way's key takeaways about car insurance in Saw Creek

The auto insurance costs in Saw Creek fall around $464 for six months.
The cheapest auto insurance company in Saw Creek is AutoOwners.
Teen drivers pay the highest rate in Saw Creek at $789 per month.

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Cheapest Minimum Liability Car Insurance in Saw Creek

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 Saw Creek are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Saw Creek. Their Average 6 Month Premium is $97. Allstate is the most expensive at $621 for the same period.

Cheapest Liability Coverage in Saw Creek, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$97	$16
Westfield	$180	$30
Auto-Owners Insurance Co	$188	$32
Travelers	$224	$38
Erie	$239	$40
American National P&C	$247	$42
Chubb	$262	$44
State Farm	$314	$53
USAA	$314	$53
Progressive	$336	$57
Nationwide	$389	$64
Allstate	$621	$106

Cheapest Full Coverage Car Insurance in Saw Creek

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 Saw Creek is AutoOwners Insurance Co at $77 per month and $464 for six months.

Cheapest Full Coverage Car Insurance Quotes in Saw Creek, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$464	$77
Auto-Owners	$479	$82
American National P&C	$644	$107
Travelers	$696	$117
Westfield	$771	$129
Erie	$1011	$170
State Farm	$1056	$178
Nationwide	$1085	$183
Encompass	$1227	$204
Allstate	$1332	$224
USAA	$1452	$244
Progressive	$1691	$285

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Average Car Insurance in Saw Creek 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 Saw Creek, PA increasing?

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

Car Insurance Premiums by Age in Saw Creek

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	$711
30s	Travelers	$491
40s	Travelers	$462
50s	Travelers	$442
60s	Travelers	$442
70s	Travelers	$520

Cheapest Car Insurance Rates for Teen Drivers in Saw Creek,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Saw Creek at $32 per month. At $4641 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
Travelers	$898	$151
Erie	$1100	$185
State Farm	$1504	$253
USAA	$1976	$329
Allstate	$3308	$562
Progressive	$4580	$764
Nationwide	$4641	$789

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 Saw Creek.

As young drivers face the highest rates in Saw Creek, Travelers offers the cheapest auto insurance rates at $711 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 Saw Creek, 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 Saw Creek is State Farm, offering rates of around $4019 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	$1138	$189
Nationwide	$1153	$194
Erie	$1833	$306
Travelers	$2080	$354
Allstate	$2800	$466
Progressive	$3083	$524
State Farm	$4019	$670

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Car Insurance Rates with An Accident in Saw Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Saw Creek

The cheapest car insurance companies after an at-fault accident in Saw Creek include AutoOwners and Westfield, offering $97 and $262, respectively. Allstate is an expensive provider with an average six-month premium of $1706.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$97	$16
Westfield	$262	$44
Donegal	$292	$49
Auto-Owners Insurance Co	$300	$50
Chubb	$352	$59
American National P&C	$359	$60
Erie	$449	$76
Travelers	$539	$91
State Farm	$554	$93
USAA	$980	$165
Progressive	$1056	$178
Nationwide	$1392	$232
Allstate	$1706	$290

Saw Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Saw Creek PA. For example, the car insurance in Saw Creek 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.

Saw Creek 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

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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 Saw Creek 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 Saw Creek.

The cheapest car insurance premiums in Saw Creek are offered by American National P&C at $404 for a six-month policy. However, it can be as expensive as $3136 with companies like Nationwide.

Saw Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$404	$67
Travelers	$636	$107
Erie	$942	$159
Allstate	$1205	$203
Progressive	$1273	$214
State Farm	$1280	$215
USAA	$1339	$226
Nationwide	$3136	$528

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 Saw Creek are offered by Westfield at $158. However, it can be as expensive as $2029 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Saw Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$158	$26
Auto-Owners Insurance Co	$202	$34
Erie	$576	$97
Travelers	$576	$97
State Farm	$659	$111
USAA	$1273	$217
Allstate	$1706	$285
Progressive	$1811	$307
Nationwide	$2029	$338

Car Insurance Price Trends in Saw Creek, Pennsylvania

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

The average cost of full coverage in the Saw Creek rose by $210 in December compared to $203 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 Saw Creek remained steady at $47 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 Saw Creek?

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

What is the cheapest car insurance in Saw Creek?

The cheapest car insurance in Saw Creek is $77 per month for full coverage.

How much is car insurance in Saw Creek 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 Saw Creek?

The average cost of car insurance is $787 for a six-month policy. It will cost around $166 per month to insure your car in Saw Creek.

Is car insurance expensive in Saw Creek?

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

Cheapest Car Insurance Quotes in Saw Creek

Why you can trust Way?

How Much Is Car Insurance in Saw Creek

Avg. Car Insurance in Saw Creek

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Saw Creek

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Saw Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Saw Creek, PA

Way's key takeaways about car insurance in Saw Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Saw Creek

Cheapest Liability Coverage in Saw Creek, PA

Cheapest Full Coverage Car Insurance in Saw Creek

Cheapest Full Coverage Car Insurance Quotes in Saw Creek, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Saw Creek by Rating Factor

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

Car Insurance Premiums by Age in Saw Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Saw Creek,PA

If you are in your twenties Travelers is the best choice for car insurance in Saw Creek.

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 Saw Creek

Cheapest Car Insurance Companies after an At-Fault Accident in Saw Creek

Saw Creek Car Insurance Rates by Violation

Saw Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Saw Creek after a DUI

Saw Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Saw Creek after Speeding ticket

Car Insurance Price Trends in Saw Creek, Pennsylvania

Average Car Insurance Cost in Saw Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Saw Creek, PA

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

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