Cheapest Car Insurance Quotes in Schlusser

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Schlusser Car Insurance

^$ 19

/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 Schlusser

The car insurance rate in Schlusser is $650 for a six-month policy, which is $163 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $294, making it a popular choice for budget-conscious drivers. Rates in Schlusser 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 Schlusser

$650

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Schlusser

1st place: AutoOwners Insurance Co

At $294 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 $409 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $490 for six months, making it the third cheapest auto insurance company in Schlusser.

Schlusser Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Schlusser, PA is AutoOwners Insurance Co, offering policies at just $294 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $409.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $779 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Schlusser drivers find the best deals.

Cheap Car Insurance Companies in Schlusser, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$294	$49
American National P&C	$409	$70
Westfield	$490	$82
Travelers	$527	$89
Erie	$642	$108
Nationwide	$746	$126
State Farm	$760	$128
Allstate	$846	$142
USAA	$898	$151
Progressive	$1117	$188
Auto-Owners	$304	$52
Encompass	$779	$130

Key Takeaways

Way's key takeaways about car insurance in Schlusser

The auto insurance costs in Schlusser fall around $294 for six months.
The cheapest auto insurance company in Schlusser is Westfield.
Teen drivers pay the highest rate in Schlusser at $582 per month.

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Cheapest Minimum Liability Car Insurance in Schlusser

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 Schlusser are given below.

Westfield provides the cheapest minimum car insurance coverage in Schlusser. Their Average 6 Month Premium is $114. AutoOwners is the most expensive at $62 for the same period.

Cheapest Liability Coverage in Schlusser, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$114	$19
Auto-Owners Insurance Co	$119	$20
Erie	$152	$26
American National P&C	$157	$26
Chubb	$166	$28
Travelers	$176	$30
USAA	$209	$35
State Farm	$218	$37
Nationwide	$280	$47
Progressive	$318	$54
Allstate	$428	$72
Auto-Owners	$62	$10

Cheapest Full Coverage Car Insurance in Schlusser

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 Schlusser is AutoOwners Insurance Co at $49 per month and $294 for six months.

Cheapest Full Coverage Car Insurance Quotes in Schlusser, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$294	$49
American National P&C	$409	$70
Westfield	$490	$82
Travelers	$527	$89
Erie	$642	$108
Nationwide	$746	$126
State Farm	$760	$128
Allstate	$846	$142
USAA	$898	$151
Progressive	$1117	$188
Auto-Owners	$304	$52
Encompass	$779	$130

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Average Car Insurance in Schlusser 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 Schlusser, PA increasing?

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

Car Insurance Premiums by Age in Schlusser

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 Schlusser,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Schlusser at $20 per month. At $3488 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
Auto-Owners Insurance Co	$138	$23
American National P&C	$181	$30
Chubb	$199	$34
Erie	$818	$138
Travelers	$941	$158
State Farm	$1354	$228
USAA	$1582	$269
Allstate	$2062	$344
Progressive	$2067	$351
Nationwide	$3488	$582

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 Schlusser, Westfield is the cheapest car insurance provider. At $186 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 Schlusser is State Farm, offering rates of around $3792 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
Auto-Owners Insurance Co	$190	$32
Chubb	$223	$38
American National P&C	$252	$43
USAA	$813	$135
Nationwide	$846	$142
Erie	$1482	$247
Allstate	$1786	$304
Travelers	$1948	$325
Progressive	$2177	$370
State Farm	$3792	$632

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Car Insurance Rates with An Accident in Schlusser

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

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

The cheapest car insurance companies after an at-fault accident in Schlusser include Westfield and AutoOwners Insurance Co, offering $166 and $190, respectively. Donegal is an expensive provider with an average six-month premium of $186.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
Auto-Owners Insurance Co	$190	$32
Chubb	$223	$38
American National P&C	$228	$38
Erie	$380	$64
State Farm	$442	$74
Travelers	$527	$89
USAA	$684	$115
Nationwide	$1050	$178
Allstate	$1083	$181
Progressive	$1283	$218
Auto-Owners	$62	$10
Donegal	$186	$31

Schlusser Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Schlusser PA. For example, the car insurance in Schlusser after a DUI increases to $799 for a six month policy. While the rate increases by $879 for a six-month policy in the case of a speeding ticket.

Schlusser auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$879	$146
Cell phone violation	$1026	$174
Failure to wear a seat belt	$1026	$171
Failure to stop at a red light	$1036	$176
Illegal turn	$1036	$173
Improper passing	$1036	$176
Speeding in school zone	$1036	$173
Texting while driving	$1036	$176
Driving with expired registration	$1041	$174
Speeding 16 - 20 MPH over limit	$1041	$177
Wrong way/wrong lane	$1050	$175
Open container	$1112	$189
Reckless driving	$1621	$270
Racing	$1649	$280
DUI	$1678	$279
Driving with a suspended license	$1687	$287
Leaving scene of an accident/hit and run	$1702	$283

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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 Schlusser 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 Schlusser.

The cheapest car insurance premiums in Schlusser are offered by American National P&C at $257 for a six-month policy. However, it can be as expensive as $2210 with companies like Nationwide.

Schlusser car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$257	$42
Travelers	$551	$93
Erie	$689	$116
Allstate	$765	$129
Progressive	$836	$141
State Farm	$974	$164
USAA	$979	$165
Nationwide	$2210	$372

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 Schlusser are offered by Westfield at $100. However, it can be as expensive as $1540 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Schlusser after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$100	$17
Auto-Owners Insurance Co	$128	$22
Erie	$442	$74
State Farm	$566	$95
Travelers	$613	$103
USAA	$908	$151
Allstate	$1083	$184
Progressive	$1302	$217
Nationwide	$1540	$262

Car Insurance Price Trends in Schlusser, Pennsylvania

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

The average cost of full coverage in the Schlusser rose by $146 in January compared to $135 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Schlusser rose to $36 in January, compared to $30 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 Schlusser?

The car insurance in Schlusser is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Schlusser?

The cheapest car insurance in Schlusser is $49 per month for full coverage.

How much is car insurance in Schlusser for teenagers?

Car insurance for teenagers costs $119 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 Schlusser?

The average cost of car insurance is $813 for a six-month policy. It will cost around $109 per month to insure your car in Schlusser.

Is car insurance expensive in Schlusser?

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

Cheapest Car Insurance Quotes in Schlusser

Why you can trust Way?

How Much Is Car Insurance in Schlusser

Avg. Car Insurance in Schlusser

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Schlusser

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Schlusser Car Insurance Rates by Company

Cheap Car Insurance Companies in Schlusser, PA

Way's key takeaways about car insurance in Schlusser

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Schlusser

Cheapest Liability Coverage in Schlusser, PA

Cheapest Full Coverage Car Insurance in Schlusser

Cheapest Full Coverage Car Insurance Quotes in Schlusser, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Schlusser by Rating Factor

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

Car Insurance Premiums by Age in Schlusser

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Schlusser,PA

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

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 Schlusser

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

Schlusser Car Insurance Rates by Violation

Schlusser auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Schlusser after a DUI

Schlusser car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Schlusser after Speeding ticket

Car Insurance Price Trends in Schlusser, Pennsylvania

Average Car Insurance Cost in Schlusser by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Schlusser, PA

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

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Data Sources