Cheapest Car Insurance Quotes in Sun Valley

Finding the cheapest car insurance quotes in Sun Valley 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Sun Valley Car Insurance

^$ 16

/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 Sun Valley

The car insurance rate in Sun Valley is $944 for a six-month policy, which is $157 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $442, making it a popular choice for budget-conscious drivers. Rates in Sun Valley 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 Sun Valley

$944

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Sun Valley

1st place: AutoOwners Insurance Co

At $442 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 $456 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 $613 for six months, making it the third cheapest auto insurance company in Sun Valley.

Sun Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sun Valley, PA is AutoOwners Insurance Co, offering policies at just $442 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $456.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1610 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun Valley drivers find the best deals.

Cheap Car Insurance Companies in Sun Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$442	$73
Auto-Owners	$456	$78
American National P&C	$613	$102
Travelers	$662	$112
Westfield	$734	$122
Erie	$962	$162
State Farm	$1006	$169
Nationwide	$1033	$174
Encompass	$1169	$194
Allstate	$1268	$214
USAA	$1382	$233
Progressive	$1610	$271

Key Takeaways

Way's key takeaways about car insurance in Sun Valley

The auto insurance costs in Sun Valley fall around $442 for six months.
The cheapest auto insurance company in Sun Valley is AutoOwners.
Teen drivers pay the highest rate in Sun Valley at $751 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 Sun Valley

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 Sun Valley are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Sun Valley. Their Average 6 Month Premium is $92. Allstate is the most expensive at $592 for the same period.

Cheapest Liability Coverage in Sun Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$92	$16
Westfield	$172	$29
Auto-Owners Insurance Co	$179	$30
Travelers	$214	$36
Erie	$228	$38
American National P&C	$235	$40
Chubb	$250	$42
State Farm	$299	$50
USAA	$299	$50
Progressive	$320	$54
Nationwide	$371	$61
Allstate	$592	$101

Cheapest Full Coverage Car Insurance in Sun Valley

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 Sun Valley is AutoOwners Insurance Co at $73 per month and $442 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun Valley, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$442	$73
Auto-Owners	$456	$78
American National P&C	$613	$102
Travelers	$662	$112
Westfield	$734	$122
Erie	$962	$162
State Farm	$1006	$169
Nationwide	$1033	$174
Encompass	$1169	$194
Allstate	$1268	$214
USAA	$1382	$233
Progressive	$1610	$271

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Sun Valley Instantly!

Average Car Insurance in Sun Valley 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 Sun Valley, PA increasing?

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

Car Insurance Premiums by Age in Sun Valley

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	$677
30s	Travelers	$468
40s	Travelers	$440
50s	Travelers	$421
60s	Travelers	$421
70s	Travelers	$496

Cheapest Car Insurance Rates for Teen Drivers in Sun Valley,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Sun Valley at $30 per month. At $4420 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Auto-Owners Insurance Co	$206	$35
American National P&C	$271	$46
Chubb	$299	$50
Travelers	$856	$144
Erie	$1048	$176
State Farm	$1433	$241
USAA	$1882	$313
Allstate	$3150	$535
Progressive	$4362	$727
Nationwide	$4420	$751

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 Sun Valley.

As young drivers face the highest rates in Sun Valley, Travelers offers the cheapest auto insurance rates at $677 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 Sun Valley, Westfield is the cheapest car insurance provider. At $278 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 Sun Valley is State Farm, offering rates of around $3828 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$278	$47
Auto-Owners Insurance Co	$286	$48
Chubb	$335	$56
American National P&C	$378	$65
USAA	$1084	$180
Nationwide	$1098	$185
Erie	$1746	$292
Travelers	$1981	$337
Allstate	$2666	$444
Progressive	$2936	$499
State Farm	$3828	$638

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Sun Valley.

Car Insurance Rates with An Accident in Sun Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sun Valley

The cheapest car insurance companies after an at-fault accident in Sun Valley include AutoOwners and Westfield, offering $92 and $250, respectively. Allstate is an expensive provider with an average six-month premium of $1625.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$92	$16
Westfield	$250	$42
Donegal	$278	$47
Auto-Owners Insurance Co	$286	$48
Chubb	$335	$56
American National P&C	$342	$58
Erie	$427	$72
Travelers	$514	$86
State Farm	$528	$89
USAA	$934	$157
Progressive	$1006	$169
Nationwide	$1326	$221
Allstate	$1625	$276

Sun Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sun Valley PA. For example, the car insurance in Sun Valley after a DUI increases to $1197 for a six month policy. While the rate increases by $1319 for a six-month policy in the case of a speeding ticket.

Sun Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1319	$220
Cell phone violation	$1540	$262
Failure to wear a seat belt	$1540	$257
Failure to stop at a red light	$1554	$264
Illegal turn	$1554	$259
Improper passing	$1554	$264
Speeding in school zone	$1554	$259
Texting while driving	$1554	$264
Driving with expired registration	$1561	$260
Speeding 16 - 20 MPH over limit	$1561	$265
Wrong way/wrong lane	$1576	$263
Open container	$1668	$283
Reckless driving	$2431	$406
Racing	$2473	$420
DUI	$2516	$419
Driving with a suspended license	$2531	$431
Leaving scene of an accident/hit and run	$2552	$425

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 Sun Valley 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 Sun Valley.

The cheapest car insurance premiums in Sun Valley are offered by American National P&C at $385 for a six-month policy. However, it can be as expensive as $2987 with companies like Nationwide.

Sun Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$385	$64
Travelers	$606	$102
Erie	$898	$151
Allstate	$1147	$193
Progressive	$1212	$204
State Farm	$1219	$205
USAA	$1276	$215
Nationwide	$2987	$503

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 Sun Valley are offered by Westfield at $150. However, it can be as expensive as $1932 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Sun Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$150	$25
Auto-Owners Insurance Co	$192	$32
Erie	$548	$92
Travelers	$548	$92
State Farm	$628	$106
USAA	$1212	$206
Allstate	$1625	$271
Progressive	$1724	$293
Nationwide	$1932	$322

Car Insurance Price Trends in Sun Valley, Pennsylvania

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

The average cost of full coverage in the Sun Valley rose by $200 in December compared to $193 of November. In other words, there has been an increase by $7 when you compare December and November.

The average cost of liability insurance in the Sun Valley remained steady at $44 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Sun Valley?

The car insurance in Sun Valley is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Sun Valley?

The cheapest car insurance in Sun Valley is $73 per month for full coverage.

How much is car insurance in Sun Valley for teenagers?

Car insurance for teenagers costs $179 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 Sun Valley?

The average cost of car insurance is $787 for a six-month policy. It will cost around $158 per month to insure your car in Sun Valley.

Is car insurance expensive in Sun Valley?

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

Cheapest Car Insurance Quotes in Sun Valley

Why you can trust Way?

How Much Is Car Insurance in Sun Valley

Avg. Car Insurance in Sun Valley

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Sun Valley

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Sun Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Sun Valley, PA

Way's key takeaways about car insurance in Sun Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sun Valley

Cheapest Liability Coverage in Sun Valley, PA

Cheapest Full Coverage Car Insurance in Sun Valley

Cheapest Full Coverage Car Insurance Quotes in Sun Valley, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sun Valley by Rating Factor

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

Car Insurance Premiums by Age in Sun Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sun Valley,PA

If you are in your twenties Travelers is the best choice for car insurance in Sun Valley.

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 Sun Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Sun Valley

Sun Valley Car Insurance Rates by Violation

Sun Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sun Valley after a DUI

Sun Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sun Valley after Speeding ticket

Car Insurance Price Trends in Sun Valley, Pennsylvania

Average Car Insurance Cost in Sun Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sun Valley, PA

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

Featured Blogs

Data Sources