Cheapest Car Insurance Quotes in Shade Gap

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Shade Gap Car Insurance

^$ 13

/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 Shade Gap

The car insurance rate in Shade Gap is $795 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Shade Gap 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 Shade Gap

$795

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Shade Gap

1st place: AutoOwners Insurance Co

At $372 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 $384 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 $516 for six months, making it the third cheapest auto insurance company in Shade Gap.

Shade Gap Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shade Gap, PA is AutoOwners Insurance Co, offering policies at just $372 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $384.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1355 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shade Gap drivers find the best deals.

Cheap Car Insurance Companies in Shade Gap, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$372	$62
Auto-Owners	$384	$66
American National P&C	$516	$86
Travelers	$558	$94
Westfield	$618	$103
Erie	$810	$136
State Farm	$846	$142
Nationwide	$870	$146
Encompass	$984	$164
Allstate	$1068	$180
USAA	$1164	$196
Progressive	$1355	$228

Key Takeaways

Way's key takeaways about car insurance in Shade Gap

The auto insurance costs in Shade Gap fall around $372 for six months.
The cheapest auto insurance company in Shade Gap is AutoOwners.
Teen drivers pay the highest rate in Shade Gap at $632 per month.

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Cheapest Minimum Liability Car Insurance in Shade Gap

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 Shade Gap are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Shade Gap. Their Average 6 Month Premium is $78. Allstate is the most expensive at $498 for the same period.

Cheapest Liability Coverage in Shade Gap, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$78	$13
Westfield	$144	$24
Auto-Owners Insurance Co	$150	$25
Travelers	$180	$30
Erie	$192	$32
American National P&C	$198	$33
Chubb	$210	$35
State Farm	$251	$42
USAA	$251	$42
Progressive	$270	$45
Nationwide	$312	$52
Allstate	$498	$85

Cheapest Full Coverage Car Insurance in Shade Gap

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 Shade Gap is AutoOwners Insurance Co at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shade Gap, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$372	$62
Auto-Owners	$384	$66
American National P&C	$516	$86
Travelers	$558	$94
Westfield	$618	$103
Erie	$810	$136
State Farm	$846	$142
Nationwide	$870	$146
Encompass	$984	$164
Allstate	$1068	$180
USAA	$1164	$196
Progressive	$1355	$228

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Average Car Insurance in Shade Gap 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 Shade Gap, PA increasing?

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

Car Insurance Premiums by Age in Shade Gap

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	$570
30s	Travelers	$394
40s	Travelers	$371
50s	Travelers	$355
60s	Travelers	$355
70s	Travelers	$417

Cheapest Car Insurance Rates for Teen Drivers in Shade Gap,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Shade Gap at $25 per month. At $3720 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Auto-Owners Insurance Co	$174	$29
American National P&C	$228	$38
Chubb	$251	$42
Travelers	$720	$121
Erie	$882	$148
State Farm	$1206	$203
USAA	$1584	$264
Allstate	$2651	$450
Progressive	$3671	$612
Nationwide	$3720	$632

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 Shade Gap.

As young drivers face the highest rates in Shade Gap, Travelers offers the cheapest auto insurance rates at $570 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 Shade Gap, Westfield is the cheapest car insurance provider. At $234 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 Shade Gap is State Farm, offering rates of around $3222 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$234	$39
Auto-Owners Insurance Co	$240	$40
Chubb	$282	$47
American National P&C	$318	$55
USAA	$912	$152
Nationwide	$924	$156
Erie	$1470	$245
Travelers	$1668	$284
Allstate	$2244	$374
Progressive	$2471	$420
State Farm	$3222	$537

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Save up to $971/yr on car insurance rates in Shade Gap.

Car Insurance Rates with An Accident in Shade Gap

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

Cheapest Car Insurance Companies after an At-Fault Accident in Shade Gap

The cheapest car insurance companies after an at-fault accident in Shade Gap include AutoOwners and Westfield, offering $78 and $210, respectively. Allstate is an expensive provider with an average six-month premium of $1368.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$78	$13
Westfield	$210	$35
Donegal	$234	$39
Auto-Owners Insurance Co	$240	$40
Chubb	$282	$47
American National P&C	$288	$48
Erie	$360	$61
Travelers	$432	$73
State Farm	$444	$75
USAA	$786	$132
Progressive	$846	$142
Nationwide	$1116	$186
Allstate	$1368	$232

Shade Gap Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shade Gap PA. For example, the car insurance in Shade Gap after a DUI increases to $1008 for a six month policy. While the rate increases by $1110 for a six-month policy in the case of a speeding ticket.

Shade Gap auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1110	$185
Cell phone violation	$1296	$220
Failure to wear a seat belt	$1296	$216
Failure to stop at a red light	$1308	$222
Illegal turn	$1308	$218
Improper passing	$1308	$222
Speeding in school zone	$1308	$218
Texting while driving	$1308	$222
Driving with expired registration	$1314	$219
Speeding 16 - 20 MPH over limit	$1314	$223
Wrong way/wrong lane	$1326	$221
Open container	$1404	$238
Reckless driving	$2046	$341
Racing	$2082	$354
DUI	$2118	$352
Driving with a suspended license	$2130	$363
Leaving scene of an accident/hit and run	$2148	$358

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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 Shade Gap 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 Shade Gap.

The cheapest car insurance premiums in Shade Gap are offered by American National P&C at $324 for a six-month policy. However, it can be as expensive as $2514 with companies like Nationwide.

Shade Gap car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$324	$54
Travelers	$510	$86
Erie	$755	$127
Allstate	$966	$163
Progressive	$1020	$172
State Farm	$1026	$173
USAA	$1074	$181
Nationwide	$2514	$423

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 Shade Gap are offered by Westfield at $126. However, it can be as expensive as $1626 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Shade Gap after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
Auto-Owners Insurance Co	$162	$27
Erie	$462	$78
Travelers	$462	$78
State Farm	$528	$89
USAA	$1020	$174
Allstate	$1368	$228
Progressive	$1451	$246
Nationwide	$1626	$271

Car Insurance Price Trends in Shade Gap, Pennsylvania

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

The average cost of full coverage in the Shade Gap rose by $169 in December compared to $163 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Shade Gap remained steady at $37 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 Shade Gap?

The car insurance in Shade Gap is $13 per month, which is lower than the national average.

What is the cheapest car insurance in Shade Gap?

The cheapest car insurance in Shade Gap is $62 per month for full coverage.

How much is car insurance in Shade Gap for teenagers?

Car insurance for teenagers costs $150 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 Shade Gap?

The average cost of car insurance is $787 for a six-month policy. It will cost around $133 per month to insure your car in Shade Gap.

Is car insurance expensive in Shade Gap?

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

Cheapest Car Insurance Quotes in Shade Gap

Why you can trust Way?

How Much Is Car Insurance in Shade Gap

Avg. Car Insurance in Shade Gap

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Shade Gap

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Shade Gap Car Insurance Rates by Company

Cheap Car Insurance Companies in Shade Gap, PA

Way's key takeaways about car insurance in Shade Gap

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shade Gap

Cheapest Liability Coverage in Shade Gap, PA

Cheapest Full Coverage Car Insurance in Shade Gap

Cheapest Full Coverage Car Insurance Quotes in Shade Gap, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shade Gap by Rating Factor

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

Car Insurance Premiums by Age in Shade Gap

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shade Gap,PA

If you are in your twenties Travelers is the best choice for car insurance in Shade Gap.

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 Shade Gap

Cheapest Car Insurance Companies after an At-Fault Accident in Shade Gap

Shade Gap Car Insurance Rates by Violation

Shade Gap auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shade Gap after a DUI

Shade Gap car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shade Gap after Speeding ticket

Car Insurance Price Trends in Shade Gap, Pennsylvania

Average Car Insurance Cost in Shade Gap by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shade Gap, PA

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

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