Cheapest Car Insurance Quotes in South New Castle

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South New Castle Car Insurance

^$ 12

/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 New Castle

The car insurance rate in South New Castle is $748 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in South New Castle 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 New Castle

$748

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in South New Castle

1st place: AutoOwners Insurance Co

At $350 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 $361 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 $485 for six months, making it the third cheapest auto insurance company in South New Castle.

South New Castle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South New Castle, PA is AutoOwners Insurance Co, offering policies at just $350 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $361.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1275 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South New Castle drivers find the best deals.

Cheap Car Insurance Companies in South New Castle, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$350	$58
Auto-Owners	$361	$62
American National P&C	$485	$81
Travelers	$524	$88
Westfield	$581	$97
Erie	$762	$128
State Farm	$796	$134
Nationwide	$818	$138
Encompass	$925	$154
Allstate	$1004	$169
USAA	$1094	$184
Progressive	$1275	$215

Key Takeaways

Way's key takeaways about car insurance in South New Castle

The auto insurance costs in South New Castle fall around $350 for six months.
The cheapest auto insurance company in South New Castle is AutoOwners.
Teen drivers pay the highest rate in South New Castle at $595 per month.

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Cheapest Minimum Liability Car Insurance in South New Castle

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 New Castle are given below.

AutoOwners provides the cheapest minimum car insurance coverage in South New Castle. Their Average 6 Month Premium is $73. Allstate is the most expensive at $468 for the same period.

Cheapest Liability Coverage in South New Castle, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$73	$12
Westfield	$136	$23
Auto-Owners Insurance Co	$142	$24
Travelers	$169	$29
Erie	$181	$30
American National P&C	$186	$31
Chubb	$198	$33
State Farm	$237	$40
USAA	$237	$40
Progressive	$254	$43
Nationwide	$294	$48
Allstate	$468	$80

Cheapest Full Coverage Car Insurance in South New Castle

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 New Castle is AutoOwners Insurance Co at $58 per month and $350 for six months.

Cheapest Full Coverage Car Insurance Quotes in South New Castle, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$350	$58
Auto-Owners	$361	$62
American National P&C	$485	$81
Travelers	$524	$88
Westfield	$581	$97
Erie	$762	$128
State Farm	$796	$134
Nationwide	$818	$138
Encompass	$925	$154
Allstate	$1004	$169
USAA	$1094	$184
Progressive	$1275	$215

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Average Car Insurance in South New Castle 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 New Castle, PA increasing?

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

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	$536
30s	Travelers	$371
40s	Travelers	$349
50s	Travelers	$333
60s	Travelers	$333
70s	Travelers	$392

Cheapest Car Insurance Rates for Teen Drivers in South New Castle,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the South New Castle at $24 per month. At $3499 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$142	$24
Auto-Owners Insurance Co	$163	$28
American National P&C	$215	$36
Chubb	$237	$40
Travelers	$677	$114
Erie	$829	$140
State Farm	$1134	$191
USAA	$1490	$248
Allstate	$2494	$424
Progressive	$3453	$576
Nationwide	$3499	$595

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 New Castle.

As young drivers face the highest rates in South New Castle, Travelers offers the cheapest auto insurance rates at $536 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 New Castle, Westfield is the cheapest car insurance provider. At $220 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 New Castle is State Farm, offering rates of around $3031 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$220	$37
Auto-Owners Insurance Co	$226	$38
Chubb	$265	$45
American National P&C	$299	$51
USAA	$858	$143
Nationwide	$869	$146
Erie	$1382	$231
Travelers	$1568	$267
Allstate	$2111	$352
Progressive	$2325	$395
State Farm	$3031	$505

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Car Insurance Rates with An Accident in South New Castle

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

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

The cheapest car insurance companies after an at-fault accident in South New Castle include AutoOwners and Westfield, offering $73 and $198, respectively. Allstate is an expensive provider with an average six-month premium of $1286.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$73	$12
Westfield	$198	$33
Donegal	$220	$37
Auto-Owners Insurance Co	$226	$38
Chubb	$265	$45
American National P&C	$271	$46
Erie	$338	$57
Travelers	$407	$68
State Farm	$418	$70
USAA	$739	$124
Progressive	$796	$134
Nationwide	$1050	$175
Allstate	$1286	$219

South New Castle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South New Castle PA. For example, the car insurance in South New Castle after a DUI increases to $948 for a six month policy. While the rate increases by $1044 for a six-month policy in the case of a speeding ticket.

South New Castle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1044	$174
Cell phone violation	$1219	$207
Failure to wear a seat belt	$1219	$203
Failure to stop at a red light	$1230	$209
Illegal turn	$1230	$205
Improper passing	$1230	$209
Speeding in school zone	$1230	$205
Texting while driving	$1230	$209
Driving with expired registration	$1236	$206
Speeding 16 - 20 MPH over limit	$1236	$210
Wrong way/wrong lane	$1247	$208
Open container	$1321	$224
Reckless driving	$1925	$321
Racing	$1958	$333
DUI	$1992	$332
Driving with a suspended license	$2004	$341
Leaving scene of an accident/hit and run	$2021	$336

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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 New Castle 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 New Castle.

The cheapest car insurance premiums in South New Castle are offered by American National P&C at $305 for a six-month policy. However, it can be as expensive as $2365 with companies like Nationwide.

South New Castle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$305	$50
Travelers	$480	$81
Erie	$711	$120
Allstate	$908	$153
Progressive	$960	$162
State Farm	$965	$162
USAA	$1010	$170
Nationwide	$2365	$398

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 New Castle are offered by Westfield at $119. However, it can be as expensive as $1530 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in South New Castle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$119	$20
Auto-Owners Insurance Co	$152	$26
Erie	$434	$73
Travelers	$434	$73
State Farm	$497	$84
USAA	$960	$163
Allstate	$1286	$215
Progressive	$1365	$232
Nationwide	$1530	$255

Car Insurance Price Trends in South New Castle, Pennsylvania

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

The average cost of full coverage in the South New Castle rose by $159 in December compared to $153 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 New Castle remained steady at $35 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 New Castle?

The car insurance in South New Castle is $12 per month, which is lower than the national average.

What is the cheapest car insurance in South New Castle?

The cheapest car insurance in South New Castle is $58 per month for full coverage.

How much is car insurance in South New Castle for teenagers?

Car insurance for teenagers costs $142 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 New Castle?

The average cost of car insurance is $787 for a six-month policy. It will cost around $125 per month to insure your car in South New Castle.

Is car insurance expensive in South New Castle?

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

Cheapest Car Insurance Quotes in South New Castle

Why you can trust Way?

How Much Is Car Insurance in South New Castle

Avg. Car Insurance in South New Castle

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in South New Castle

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

South New Castle Car Insurance Rates by Company

Cheap Car Insurance Companies in South New Castle, PA

Way's key takeaways about car insurance in South New Castle

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South New Castle

Cheapest Liability Coverage in South New Castle, PA

Cheapest Full Coverage Car Insurance in South New Castle

Cheapest Full Coverage Car Insurance Quotes in South New Castle, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South New Castle by Rating Factor

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

Car Insurance Premiums by Age in South New Castle

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South New Castle,PA

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

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 New Castle

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

South New Castle Car Insurance Rates by Violation

South New Castle auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South New Castle after a DUI

South New Castle car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South New Castle after Speeding ticket

Car Insurance Price Trends in South New Castle, Pennsylvania

Average Car Insurance Cost in South New Castle by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South New Castle, PA

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

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