Cheapest Car Insurance Quotes in Towamensing Trails

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Towamensing Trails Car Insurance

^$ 28

/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 Towamensing Trails

The car insurance rate in Towamensing Trails is $943 for a six-month policy, which is $130 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Towamensing Trails 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 Towamensing Trails

$943

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Towamensing Trails

1st place: AutoOwners Insurance Co

At $427 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 $593 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $710 for six months, making it the third cheapest auto insurance company in Towamensing Trails.

Towamensing Trails Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Towamensing Trails, PA is AutoOwners Insurance Co, offering policies at just $427 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $593.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1130 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Towamensing Trails drivers find the best deals.

Cheap Car Insurance Companies in Towamensing Trails, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$427	$71
American National P&C	$593	$101
Westfield	$710	$118
Travelers	$764	$129
Erie	$930	$157
Nationwide	$1082	$182
State Farm	$1102	$186
Allstate	$1226	$206
USAA	$1303	$219
Progressive	$1619	$273
Auto-Owners	$441	$75
Encompass	$1130	$188

Key Takeaways

Way's key takeaways about car insurance in Towamensing Trails

The auto insurance costs in Towamensing Trails fall around $427 for six months.
The cheapest auto insurance company in Towamensing Trails is Westfield.
Teen drivers pay the highest rate in Towamensing Trails at $843 per month.

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Cheapest Minimum Liability Car Insurance in Towamensing Trails

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 Towamensing Trails are given below.

Westfield provides the cheapest minimum car insurance coverage in Towamensing Trails. Their Average 6 Month Premium is $166. AutoOwners is the most expensive at $89 for the same period.

Cheapest Liability Coverage in Towamensing Trails, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$166	$28
Auto-Owners Insurance Co	$173	$29
Erie	$220	$37
American National P&C	$227	$38
Chubb	$241	$41
Travelers	$255	$43
USAA	$303	$51
State Farm	$317	$53
Nationwide	$406	$68
Progressive	$462	$78
Allstate	$621	$104
Auto-Owners	$89	$15

Cheapest Full Coverage Car Insurance in Towamensing Trails

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 Towamensing Trails is AutoOwners Insurance Co at $71 per month and $427 for six months.

Cheapest Full Coverage Car Insurance Quotes in Towamensing Trails, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$427	$71
American National P&C	$593	$101
Westfield	$710	$118
Travelers	$764	$129
Erie	$930	$157
Nationwide	$1082	$182
State Farm	$1102	$186
Allstate	$1226	$206
USAA	$1303	$219
Progressive	$1619	$273
Auto-Owners	$441	$75
Encompass	$1130	$188

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Average Car Insurance in Towamensing Trails 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 Towamensing Trails, PA increasing?

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

Car Insurance Premiums by Age in Towamensing Trails

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

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Cheapest Car Insurance Rates for Teen Drivers in Towamensing Trails,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Towamensing Trails at $29 per month. At $5058 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$173	$29
Auto-Owners Insurance Co	$200	$34
American National P&C	$262	$44
Chubb	$289	$49
Erie	$1186	$200
Travelers	$1364	$230
State Farm	$1964	$331
USAA	$2294	$390
Allstate	$2990	$499
Progressive	$2997	$509
Nationwide	$5058	$843

Teen Car Insurance Rates in PA by Age

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 Towamensing Trails, Westfield is the cheapest car insurance provider. At $269 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 Towamensing Trails is State Farm, offering rates of around $5498 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$269	$45
Auto-Owners Insurance Co	$276	$46
Chubb	$324	$55
American National P&C	$365	$63
USAA	$1179	$196
Nationwide	$1226	$206
Erie	$2149	$358
Allstate	$2590	$441
Travelers	$2825	$471
Progressive	$3156	$537
State Farm	$5498	$916

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Towamensing Trails.

Car Insurance Rates with An Accident in Towamensing Trails

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

Cheapest Car Insurance Companies after an At-Fault Accident in Towamensing Trails

The cheapest car insurance companies after an at-fault accident in Towamensing Trails include Westfield and AutoOwners Insurance Co, offering $241 and $276, respectively. Donegal is an expensive provider with an average six-month premium of $269.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$241	$41
Auto-Owners Insurance Co	$276	$46
Chubb	$324	$55
American National P&C	$331	$56
Erie	$551	$93
State Farm	$640	$108
Travelers	$764	$129
USAA	$992	$167
Nationwide	$1523	$259
Allstate	$1571	$262
Progressive	$1861	$317
Auto-Owners	$89	$15
Donegal	$269	$45

Towamensing Trails Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Towamensing Trails PA. For example, the car insurance in Towamensing Trails after a DUI increases to $1158 for a six month policy. While the rate increases by $1275 for a six-month policy in the case of a speeding ticket.

Towamensing Trails auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1275	$212
Cell phone violation	$1488	$253
Failure to wear a seat belt	$1488	$248
Failure to stop at a red light	$1502	$255
Illegal turn	$1502	$251
Improper passing	$1502	$255
Speeding in school zone	$1502	$251
Texting while driving	$1502	$255
Driving with expired registration	$1509	$252
Speeding 16 - 20 MPH over limit	$1509	$256
Wrong way/wrong lane	$1523	$254
Open container	$1612	$274
Reckless driving	$2350	$392
Racing	$2391	$406
DUI	$2433	$405
Driving with a suspended license	$2446	$416
Leaving scene of an accident/hit and run	$2467	$411

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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 Towamensing Trails 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 Towamensing Trails.

The cheapest car insurance premiums in Towamensing Trails are offered by American National P&C at $372 for a six-month policy. However, it can be as expensive as $3204 with companies like Nationwide.

Towamensing Trails car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$372	$61
Travelers	$799	$135
Erie	$999	$168
Allstate	$1109	$187
Progressive	$1212	$204
State Farm	$1413	$238
USAA	$1420	$239
Nationwide	$3204	$539

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 Towamensing Trails are offered by Westfield at $145. However, it can be as expensive as $2233 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Towamensing Trails after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$145	$24
Auto-Owners Insurance Co	$186	$31
Erie	$640	$108
State Farm	$820	$138
Travelers	$889	$150
USAA	$1317	$219
Allstate	$1571	$267
Progressive	$1888	$314
Nationwide	$2233	$379

Car Insurance Price Trends in Towamensing Trails, Pennsylvania

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

The average cost of full coverage in the Towamensing Trails rose by $212 in January compared to $196 of December. In other words, there has been an increase by $16 when you compare January and December.

The average cost of liability insurance in the Towamensing Trails rose to $52 in January, compared to $44 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Towamensing Trails?

The car insurance in Towamensing Trails is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Towamensing Trails?

The cheapest car insurance in Towamensing Trails is $71 per month for full coverage.

How much is car insurance in Towamensing Trails for teenagers?

Car insurance for teenagers costs $173 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 Towamensing Trails?

The average cost of car insurance is $813 for a six-month policy. It will cost around $158 per month to insure your car in Towamensing Trails.

Is car insurance expensive in Towamensing Trails?

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

Cheapest Car Insurance Quotes in Towamensing Trails

Why you can trust Way?

How Much Is Car Insurance in Towamensing Trails

Avg. Car Insurance in Towamensing Trails

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Towamensing Trails

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Towamensing Trails Car Insurance Rates by Company

Cheap Car Insurance Companies in Towamensing Trails, PA

Way's key takeaways about car insurance in Towamensing Trails

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Towamensing Trails

Cheapest Liability Coverage in Towamensing Trails, PA

Cheapest Full Coverage Car Insurance in Towamensing Trails

Cheapest Full Coverage Car Insurance Quotes in Towamensing Trails, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Towamensing Trails by Rating Factor

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

Car Insurance Premiums by Age in Towamensing Trails

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Towamensing Trails,PA

If you are in your twenties N/A is the best choice for car insurance in Towamensing Trails.

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 Towamensing Trails

Cheapest Car Insurance Companies after an At-Fault Accident in Towamensing Trails

Towamensing Trails Car Insurance Rates by Violation

Towamensing Trails auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Towamensing Trails after a DUI

Towamensing Trails car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Towamensing Trails after Speeding ticket

Car Insurance Price Trends in Towamensing Trails, Pennsylvania

Average Car Insurance Cost in Towamensing Trails by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Towamensing Trails, PA

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

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