Cheapest Car Insurance Quotes in South Montrose

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South Montrose 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 South Montrose

The car insurance rate in South Montrose is $850 for a six-month policy, which is $63 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in South Montrose 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 Montrose

$850

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in South Montrose

1st place: AutoOwners Insurance Co

At $397 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 $410 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 $552 for six months, making it the third cheapest auto insurance company in South Montrose.

South Montrose Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Montrose, PA is AutoOwners Insurance Co, offering policies at just $397 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $410.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1449 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Montrose drivers find the best deals.

Cheap Car Insurance Companies in South Montrose, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$397	$66
Auto-Owners	$410	$70
American National P&C	$552	$92
Travelers	$596	$100
Westfield	$661	$110
Erie	$866	$146
State Farm	$905	$152
Nationwide	$930	$157
Encompass	$1052	$175
Allstate	$1142	$192
USAA	$1244	$210
Progressive	$1449	$244

Key Takeaways

Way's key takeaways about car insurance in South Montrose

The auto insurance costs in South Montrose fall around $397 for six months.
The cheapest auto insurance company in South Montrose is AutoOwners.
Teen drivers pay the highest rate in South Montrose at $676 per month.

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Cheapest Minimum Liability Car Insurance in South Montrose

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 Montrose are given below.

AutoOwners provides the cheapest minimum car insurance coverage in South Montrose. Their Average 6 Month Premium is $83. Allstate is the most expensive at $532 for the same period.

Cheapest Liability Coverage in South Montrose, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$83	$14
Westfield	$154	$26
Auto-Owners Insurance Co	$161	$27
Travelers	$192	$32
Erie	$205	$35
American National P&C	$212	$36
Chubb	$225	$38
State Farm	$269	$45
USAA	$269	$45
Progressive	$288	$49
Nationwide	$334	$55
Allstate	$532	$91

Cheapest Full Coverage Car Insurance in South Montrose

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 Montrose is AutoOwners Insurance Co at $66 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Montrose, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$397	$66
Auto-Owners	$410	$70
American National P&C	$552	$92
Travelers	$596	$100
Westfield	$661	$110
Erie	$866	$146
State Farm	$905	$152
Nationwide	$930	$157
Encompass	$1052	$175
Allstate	$1142	$192
USAA	$1244	$210
Progressive	$1449	$244

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Average Car Insurance in South Montrose 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 Montrose, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in South Montrose, 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 Montrose'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 Montrose

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	$609
30s	Travelers	$421
40s	Travelers	$396
50s	Travelers	$379
60s	Travelers	$379
70s	Travelers	$446

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the South Montrose at $27 per month. At $3978 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$161	$27
Auto-Owners Insurance Co	$186	$31
American National P&C	$244	$41
Chubb	$269	$45
Travelers	$770	$130
Erie	$943	$159
State Farm	$1290	$217
USAA	$1693	$282
Allstate	$2835	$482
Progressive	$3926	$654
Nationwide	$3978	$676

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 South Montrose.

As young drivers face the highest rates in South Montrose, Travelers offers the cheapest auto insurance rates at $609 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 South Montrose, Westfield is the cheapest car insurance provider. At $251 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 Montrose is State Farm, offering rates of around $3445 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$251	$42
Auto-Owners Insurance Co	$257	$43
Chubb	$301	$51
American National P&C	$340	$58
USAA	$975	$162
Nationwide	$988	$166
Erie	$1571	$262
Travelers	$1783	$303
Allstate	$2400	$400
Progressive	$2643	$449
State Farm	$3445	$575

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Car Insurance Rates with An Accident in South Montrose

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

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

The cheapest car insurance companies after an at-fault accident in South Montrose include AutoOwners and Westfield, offering $83 and $225, respectively. Allstate is an expensive provider with an average six-month premium of $1462.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$83	$14
Westfield	$225	$38
Donegal	$251	$42
Auto-Owners Insurance Co	$257	$43
Chubb	$301	$51
American National P&C	$308	$52
Erie	$384	$65
Travelers	$462	$78
State Farm	$475	$80
USAA	$840	$141
Progressive	$905	$152
Nationwide	$1193	$199
Allstate	$1462	$248

South Montrose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Montrose PA. For example, the car insurance in South Montrose after a DUI increases to $1078 for a six month policy. While the rate increases by $1187 for a six-month policy in the case of a speeding ticket.

South Montrose auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1187	$198
Cell phone violation	$1386	$235
Failure to wear a seat belt	$1386	$231
Failure to stop at a red light	$1399	$238
Illegal turn	$1399	$233
Improper passing	$1399	$238
Speeding in school zone	$1399	$233
Texting while driving	$1399	$238
Driving with expired registration	$1405	$234
Speeding 16 - 20 MPH over limit	$1405	$239
Wrong way/wrong lane	$1418	$237
Open container	$1501	$255
Reckless driving	$2188	$365
Racing	$2226	$378
DUI	$2265	$377
Driving with a suspended license	$2278	$388
Leaving scene of an accident/hit and run	$2297	$382

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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 Montrose 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 Montrose.

The cheapest car insurance premiums in South Montrose are offered by American National P&C at $347 for a six-month policy. However, it can be as expensive as $2688 with companies like Nationwide.

South Montrose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$347	$57
Travelers	$545	$92
Erie	$808	$136
Allstate	$1032	$174
Progressive	$1091	$184
State Farm	$1097	$185
USAA	$1148	$193
Nationwide	$2688	$453

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 Montrose are offered by Westfield at $135. However, it can be as expensive as $1739 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in South Montrose after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$135	$23
Auto-Owners Insurance Co	$173	$29
Erie	$494	$83
Travelers	$494	$83
State Farm	$565	$95
USAA	$1091	$186
Allstate	$1462	$244
Progressive	$1552	$264
Nationwide	$1739	$289

Car Insurance Price Trends in South Montrose, Pennsylvania

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

The average cost of full coverage in the South Montrose rose by $180 in December compared to $174 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 South Montrose 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 South Montrose?

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

What is the cheapest car insurance in South Montrose?

The cheapest car insurance in South Montrose is $66 per month for full coverage.

How much is car insurance in South Montrose for teenagers?

Car insurance for teenagers costs $161 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 Montrose?

The average cost of car insurance is $787 for a six-month policy. It will cost around $143 per month to insure your car in South Montrose.

Is car insurance expensive in South Montrose?

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

Cheapest Car Insurance Quotes in South Montrose

Why you can trust Way?

How Much Is Car Insurance in South Montrose

Avg. Car Insurance in South Montrose

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in South Montrose

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

South Montrose Car Insurance Rates by Company

Cheap Car Insurance Companies in South Montrose, PA

Way's key takeaways about car insurance in South Montrose

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Montrose

Cheapest Liability Coverage in South Montrose, PA

Cheapest Full Coverage Car Insurance in South Montrose

Cheapest Full Coverage Car Insurance Quotes in South Montrose, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Montrose by Rating Factor

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

Car Insurance Premiums by Age in South Montrose

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties Travelers is the best choice for car insurance in South Montrose.

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 Montrose

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

South Montrose Car Insurance Rates by Violation

South Montrose auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Montrose after a DUI

South Montrose car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Montrose after Speeding ticket

Car Insurance Price Trends in South Montrose, Pennsylvania

Average Car Insurance Cost in South Montrose by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Montrose, PA

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

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