We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Southeastern shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Southeastern
The car insurance rate in Southeastern is $1138 for a six-month policy, which is $325 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $515, making it a popular choice for budget-conscious drivers. Rates in Southeastern 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.
At $515 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 $715 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $857
for six months, making it
the third cheapest auto insurance company in Southeastern.
Southeastern Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Southeastern, PA is AutoOwners Insurance Co, offering policies at just $515 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $715.
At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1364 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Southeastern drivers find the best deals.
Way's key takeaways about car insurance in Southeastern
The auto insurance costs in Southeastern fall around $515 for six
months.
The cheapest auto insurance company in Southeastern is Westfield.
Teen drivers pay the highest rate in Southeastern at $1018 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Southeastern
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 Southeastern are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Southeastern. Their Average 6 Month Premium is $200.
AutoOwners is the most
expensive at $108 for the same
period.
Cheapest Full Coverage Car Insurance in Southeastern
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 Southeastern is AutoOwners Insurance Co
at $85 per month and $515
for six months.
Cheapest Full Coverage Car Insurance Quotes in Southeastern,
PA
Get Your Car Insurance Quote in Southeastern
Instantly!
Average Car Insurance in Southeastern 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 Southeastern, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Southeastern, 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, Southeastern's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Southeastern
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Southeastern,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Southeastern at $35
per
month. At $6104 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Southeastern.
As young drivers face the highest rates in Southeastern, N/A
offers the cheapest auto insurance rates at $N/A 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 Southeastern,
Westfield is
the cheapest car insurance provider. At $325 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
Southeastern is State Farm, offering
rates of around $6636 for six
months.
Save up to $971/yr on car insurance rates in Southeastern.
Car Insurance Rates with An Accident in Southeastern
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 Southeastern, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Southeastern
The cheapest car insurance companies after an at-fault accident in
Southeastern include Westfield
and AutoOwners Insurance Co, offering $291
and $333,
respectively. Donegal is an expensive provider
with an average six-month premium of
$325.
Here is a list of driving violations that can increase your car
insurance rates in Southeastern PA. For example, the car
insurance in Southeastern
after a DUI increases to $1397 for a six
month policy. While the rate increases by $1539 for a six-month policy in the case of
a speeding ticket.
Southeastern auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1539
$256
Cell phone violation
$1796
$305
Failure to wear a seat belt
$1796
$300
Failure to stop at a red light
$1813
$308
Illegal turn
$1813
$302
Improper passing
$1813
$308
Speeding in school zone
$1813
$302
Texting while driving
$1813
$308
Driving with expired registration
$1821
$304
Speeding 16 - 20 MPH over limit
$1821
$309
Wrong way/wrong lane
$1838
$307
Open container
$1946
$330
Reckless driving
$2836
$473
Racing
$2885
$490
DUI
$2936
$489
Driving with a suspended license
$2953
$503
Leaving scene of an accident/hit and run
$2978
$496
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Southeastern 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 Southeastern.
The cheapest car insurance premiums in
Southeastern are
offered by American National P&C at $449 for a six-month policy.
However, it can be as
expensive as $3867 with companies
like Nationwide.
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 Southeastern are offered by Westfield
at $175. However,
it can be as expensive as $2695
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Southeastern after Speeding ticket
Car Insurance Price Trends in Southeastern,
Pennsylvania
Car insurance rates in Southeastern have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Southeastern rose by
$256 in January
compared to $237 of December. In other words, there has been an increase by $19 when you
compare January and December.
The average cost of liability insurance in the Southeastern rose to $63 in January,
compared to $53 in December.
This represents an increase of $10
when comparing January and December.
Average Car Insurance Cost in Southeastern by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Southeastern. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Southeastern?
The car insurance in Southeastern is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Southeastern?
The cheapest car insurance in Southeastern
is $85 per month
for full coverage.
How much is car insurance in Southeastern for teenagers?
Car insurance for teenagers costs $209 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
Southeastern?
The average cost of car insurance is $813 for a six-month
policy. It will cost around $190 per month to insure your
car in Southeastern.
Is car insurance expensive in Southeastern?
Car insurance can be expensive in Southeastern if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Southeastern can be
affordable.
What is the best car insurance in Southeastern,
PA?
The best car insurance company in Southeastern
PA is
AutoOwners Insurance Co, offering $515 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Southeastern right now.
Find Car Insurance Rates in Cities Near Southeastern, PA
Car Insurance Rates by State in the USA (2025 Update)
Southeastern Car Insurance
