Cheapest Car Insurance Quotes in Spring Grove

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Spring Grove 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 Spring Grove

The car insurance rate in Spring Grove is $700 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $328, making it a popular choice for budget-conscious drivers. Rates in Spring Grove 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 Spring Grove

$700

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Spring Grove

1st place: AutoOwners Insurance Co

At $328 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 $338 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 $455 for six months, making it the third cheapest auto insurance company in Spring Grove.

Spring Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spring Grove, PA is AutoOwners Insurance Co, offering policies at just $328 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $338.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1194 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spring Grove drivers find the best deals.

Cheap Car Insurance Companies in Spring Grove, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$328	$54
Auto-Owners	$338	$58
American National P&C	$455	$76
Travelers	$491	$83
Westfield	$545	$91
Erie	$714	$120
State Farm	$746	$125
Nationwide	$766	$129
Encompass	$867	$144
Allstate	$941	$158
USAA	$1025	$173
Progressive	$1194	$201

Key Takeaways

Way's key takeaways about car insurance in Spring Grove

The auto insurance costs in Spring Grove fall around $328 for six months.
The cheapest auto insurance company in Spring Grove is AutoOwners.
Teen drivers pay the highest rate in Spring Grove at $557 per month.

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Cheapest Minimum Liability Car Insurance in Spring Grove

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 Spring Grove are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Spring Grove. Their Average 6 Month Premium is $69. Allstate is the most expensive at $439 for the same period.

Cheapest Liability Coverage in Spring Grove, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$69	$12
Westfield	$127	$21
Auto-Owners Insurance Co	$133	$22
Travelers	$158	$27
Erie	$169	$28
American National P&C	$174	$29
Chubb	$185	$31
State Farm	$222	$37
USAA	$222	$37
Progressive	$238	$40
Nationwide	$275	$45
Allstate	$439	$75

Cheapest Full Coverage Car Insurance in Spring Grove

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 Spring Grove is AutoOwners Insurance Co at $54 per month and $328 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spring Grove, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$328	$54
Auto-Owners	$338	$58
American National P&C	$455	$76
Travelers	$491	$83
Westfield	$545	$91
Erie	$714	$120
State Farm	$746	$125
Nationwide	$766	$129
Encompass	$867	$144
Allstate	$941	$158
USAA	$1025	$173
Progressive	$1194	$201

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Average Car Insurance in Spring Grove 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 Spring Grove, PA increasing?

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

Car Insurance Premiums by Age in Spring Grove

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	$502
30s	Travelers	$347
40s	Travelers	$327
50s	Travelers	$312
60s	Travelers	$312
70s	Travelers	$368

Cheapest Car Insurance Rates for Teen Drivers in Spring Grove,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Spring Grove at $22 per month. At $3278 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$133	$22
Auto-Owners Insurance Co	$153	$26
American National P&C	$201	$34
Chubb	$222	$37
Travelers	$635	$107
Erie	$777	$131
State Farm	$1063	$179
USAA	$1396	$232
Allstate	$2336	$397
Progressive	$3235	$539
Nationwide	$3278	$557

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 Spring Grove.

As young drivers face the highest rates in Spring Grove, Travelers offers the cheapest auto insurance rates at $502 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 Spring Grove, Westfield is the cheapest car insurance provider. At $206 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 Spring Grove is State Farm, offering rates of around $2839 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$206	$35
Auto-Owners Insurance Co	$212	$36
Chubb	$248	$42
American National P&C	$280	$48
USAA	$804	$134
Nationwide	$814	$137
Erie	$1295	$216
Travelers	$1469	$250
Allstate	$1978	$329
Progressive	$2178	$370
State Farm	$2839	$473

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Car Insurance Rates with An Accident in Spring Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Spring Grove

The cheapest car insurance companies after an at-fault accident in Spring Grove include AutoOwners and Westfield, offering $69 and $185, respectively. Allstate is an expensive provider with an average six-month premium of $1205.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$69	$12
Westfield	$185	$31
Donegal	$206	$35
Auto-Owners Insurance Co	$212	$36
Chubb	$248	$42
American National P&C	$254	$43
Erie	$317	$53
Travelers	$381	$64
State Farm	$392	$66
USAA	$692	$117
Progressive	$746	$125
Nationwide	$983	$164
Allstate	$1205	$205

Spring Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Spring Grove PA. For example, the car insurance in Spring Grove after a DUI increases to $888 for a six month policy. While the rate increases by $978 for a six-month policy in the case of a speeding ticket.

Spring Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$978	$163
Cell phone violation	$1142	$194
Failure to wear a seat belt	$1142	$190
Failure to stop at a red light	$1153	$196
Illegal turn	$1153	$192
Improper passing	$1153	$196
Speeding in school zone	$1153	$192
Texting while driving	$1153	$196
Driving with expired registration	$1158	$193
Speeding 16 - 20 MPH over limit	$1158	$197
Wrong way/wrong lane	$1169	$195
Open container	$1237	$210
Reckless driving	$1803	$301
Racing	$1834	$312
DUI	$1866	$311
Driving with a suspended license	$1877	$320
Leaving scene of an accident/hit and run	$1893	$315

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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 Spring Grove 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 Spring Grove.

The cheapest car insurance premiums in Spring Grove are offered by American National P&C at $286 for a six-month policy. However, it can be as expensive as $2215 with companies like Nationwide.

Spring Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$286	$47
Travelers	$449	$76
Erie	$666	$112
Allstate	$851	$143
Progressive	$899	$151
State Farm	$904	$152
USAA	$946	$159
Nationwide	$2215	$373

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 Spring Grove are offered by Westfield at $111. However, it can be as expensive as $1433 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Spring Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$111	$19
Auto-Owners Insurance Co	$142	$24
Erie	$407	$69
Travelers	$407	$69
State Farm	$465	$78
USAA	$899	$153
Allstate	$1205	$201
Progressive	$1279	$217
Nationwide	$1433	$239

Car Insurance Price Trends in Spring Grove, Pennsylvania

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

The average cost of full coverage in the Spring Grove rose by $149 in December compared to $143 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 Spring Grove remained steady at $33 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 Spring Grove?

The car insurance in Spring Grove is $12 per month, which is lower than the national average.

What is the cheapest car insurance in Spring Grove?

The cheapest car insurance in Spring Grove is $54 per month for full coverage.

How much is car insurance in Spring Grove for teenagers?

Car insurance for teenagers costs $133 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 Spring Grove?

The average cost of car insurance is $787 for a six-month policy. It will cost around $117 per month to insure your car in Spring Grove.

Is car insurance expensive in Spring Grove?

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

Cheapest Car Insurance Quotes in Spring Grove

Why you can trust Way?

How Much Is Car Insurance in Spring Grove

Avg. Car Insurance in Spring Grove

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Spring Grove

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Spring Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Spring Grove, PA

Way's key takeaways about car insurance in Spring Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Spring Grove

Cheapest Liability Coverage in Spring Grove, PA

Cheapest Full Coverage Car Insurance in Spring Grove

Cheapest Full Coverage Car Insurance Quotes in Spring Grove, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Spring Grove by Rating Factor

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

Car Insurance Premiums by Age in Spring Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Spring Grove,PA

If you are in your twenties Travelers is the best choice for car insurance in Spring Grove.

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 Spring Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Spring Grove

Spring Grove Car Insurance Rates by Violation

Spring Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Spring Grove after a DUI

Spring Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Spring Grove after Speeding ticket

Car Insurance Price Trends in Spring Grove, Pennsylvania

Average Car Insurance Cost in Spring Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Spring Grove, PA

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

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