Cheapest Car Insurance Quotes in South Heights

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South Heights Car Insurance

^$ 22

/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 South Heights

The car insurance rate in South Heights is $756 for a six-month policy, which is $57 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in South Heights 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 South Heights

$756

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in South Heights

1st place: AutoOwners Insurance Co

At $342 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 $475 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $569 for six months, making it the third cheapest auto insurance company in South Heights.

South Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Heights, PA is AutoOwners Insurance Co, offering policies at just $342 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $475.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $906 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Heights drivers find the best deals.

Cheap Car Insurance Companies in South Heights, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$342	$57
American National P&C	$475	$81
Westfield	$569	$95
Travelers	$613	$103
Erie	$746	$126
Nationwide	$868	$146
State Farm	$884	$149
Allstate	$983	$166
USAA	$1044	$176
Progressive	$1298	$219
Auto-Owners	$353	$60
Encompass	$906	$151

Key Takeaways

Way's key takeaways about car insurance in South Heights

The auto insurance costs in South Heights fall around $342 for six months.
The cheapest auto insurance company in South Heights is Westfield.
Teen drivers pay the highest rate in South Heights at $676 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in South Heights

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 South Heights are given below.

Westfield provides the cheapest minimum car insurance coverage in South Heights. Their Average 6 Month Premium is $133. AutoOwners is the most expensive at $72 for the same period.

Cheapest Liability Coverage in South Heights, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
Auto-Owners Insurance Co	$139	$23
Erie	$177	$30
American National P&C	$182	$31
Chubb	$193	$33
Travelers	$205	$34
USAA	$243	$41
State Farm	$254	$43
Nationwide	$326	$55
Progressive	$370	$62
Allstate	$498	$84
Auto-Owners	$72	$12

Cheapest Full Coverage Car Insurance in South Heights

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 South Heights is AutoOwners Insurance Co at $57 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Heights, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$342	$57
American National P&C	$475	$81
Westfield	$569	$95
Travelers	$613	$103
Erie	$746	$126
Nationwide	$868	$146
State Farm	$884	$149
Allstate	$983	$166
USAA	$1044	$176
Progressive	$1298	$219
Auto-Owners	$353	$60
Encompass	$906	$151

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Average Car Insurance in South Heights 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 South Heights, PA increasing?

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

Car Insurance Premiums by Age in South Heights

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 South Heights,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the South Heights at $23 per month. At $4055 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$139	$23
Auto-Owners Insurance Co	$160	$27
American National P&C	$210	$35
Chubb	$232	$39
Erie	$950	$160
Travelers	$1094	$184
State Farm	$1574	$265
USAA	$1840	$312
Allstate	$2398	$400
Progressive	$2403	$408
Nationwide	$4055	$676

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 South Heights, Westfield is the cheapest car insurance provider. At $216 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 South Heights is State Farm, offering rates of around $4408 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$216	$36
Auto-Owners Insurance Co	$221	$37
Chubb	$259	$44
American National P&C	$293	$50
USAA	$945	$157
Nationwide	$983	$166
Erie	$1723	$287
Allstate	$2077	$353
Travelers	$2265	$378
Progressive	$2531	$431
State Farm	$4408	$735

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Car Insurance Rates with An Accident in South Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Heights

The cheapest car insurance companies after an at-fault accident in South Heights include Westfield and AutoOwners Insurance Co, offering $193 and $221, respectively. Donegal is an expensive provider with an average six-month premium of $216.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$193	$33
Auto-Owners Insurance Co	$221	$37
Chubb	$259	$44
American National P&C	$265	$45
Erie	$442	$74
State Farm	$513	$86
Travelers	$613	$103
USAA	$795	$134
Nationwide	$1221	$207
Allstate	$1259	$210
Progressive	$1492	$254
Auto-Owners	$72	$12
Donegal	$216	$36

South Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Heights PA. For example, the car insurance in South Heights after a DUI increases to $928 for a six month policy. While the rate increases by $1022 for a six-month policy in the case of a speeding ticket.

South Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1022	$170
Cell phone violation	$1193	$203
Failure to wear a seat belt	$1193	$199
Failure to stop at a red light	$1204	$205
Illegal turn	$1204	$201
Improper passing	$1204	$205
Speeding in school zone	$1204	$201
Texting while driving	$1204	$205
Driving with expired registration	$1210	$202
Speeding 16 - 20 MPH over limit	$1210	$206
Wrong way/wrong lane	$1221	$204
Open container	$1293	$219
Reckless driving	$1884	$314
Racing	$1917	$326
DUI	$1950	$325
Driving with a suspended license	$1961	$334
Leaving scene of an accident/hit and run	$1978	$329

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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 South Heights 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 South Heights.

The cheapest car insurance premiums in South Heights are offered by American National P&C at $299 for a six-month policy. However, it can be as expensive as $2569 with companies like Nationwide.

South Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$299	$49
Travelers	$641	$108
Erie	$801	$135
Allstate	$889	$150
Progressive	$972	$164
State Farm	$1133	$191
USAA	$1138	$192
Nationwide	$2569	$432

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 South Heights are offered by Westfield at $116. However, it can be as expensive as $1790 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in South Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$116	$20
Auto-Owners Insurance Co	$149	$25
Erie	$513	$86
State Farm	$658	$111
Travelers	$712	$120
USAA	$1056	$176
Allstate	$1259	$214
Progressive	$1514	$252
Nationwide	$1790	$304

Car Insurance Price Trends in South Heights, Pennsylvania

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

The average cost of full coverage in the South Heights rose by $170 in January compared to $157 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the South Heights rose to $42 in January, compared to $35 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in South Heights?

The car insurance in South Heights is $22 per month, which is lower than the national average.

What is the cheapest car insurance in South Heights?

The cheapest car insurance in South Heights is $57 per month for full coverage.

How much is car insurance in South Heights for teenagers?

Car insurance for teenagers costs $139 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 South Heights?

The average cost of car insurance is $813 for a six-month policy. It will cost around $126 per month to insure your car in South Heights.

Is car insurance expensive in South Heights?

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

Cheapest Car Insurance Quotes in South Heights

Why you can trust Way?

How Much Is Car Insurance in South Heights

Avg. Car Insurance in South Heights

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in South Heights

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

South Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in South Heights, PA

Way's key takeaways about car insurance in South Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Heights

Cheapest Liability Coverage in South Heights, PA

Cheapest Full Coverage Car Insurance in South Heights

Cheapest Full Coverage Car Insurance Quotes in South Heights, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Heights by Rating Factor

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

Car Insurance Premiums by Age in South Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Heights,PA

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

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 South Heights

Cheapest Car Insurance Companies after an At-Fault Accident in South Heights

South Heights Car Insurance Rates by Violation

South Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Heights after a DUI

South Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Heights after Speeding ticket

Car Insurance Price Trends in South Heights, Pennsylvania

Average Car Insurance Cost in South Heights by ZIP Code

Frequently Asked Questions

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