Cheapest Car Insurance Quotes in Treasure Lake

Finding the cheapest car insurance quotes in Treasure Lake 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

406,175 Policies Sold

Treasure Lake Car Insurance

^$ 23

/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 Treasure Lake

The car insurance rate in Treasure Lake is $764 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Treasure Lake 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 Treasure Lake

$764

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Treasure Lake

1st place: AutoOwners Insurance Co

At $346 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 $480 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $575 for six months, making it the third cheapest auto insurance company in Treasure Lake.

Treasure Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Treasure Lake, PA is AutoOwners Insurance Co, offering policies at just $346 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $480.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $916 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Treasure Lake drivers find the best deals.

Cheap Car Insurance Companies in Treasure Lake, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$346	$57
American National P&C	$480	$82
Westfield	$575	$96
Travelers	$619	$104
Erie	$754	$127
Nationwide	$877	$148
State Farm	$893	$150
Allstate	$994	$167
USAA	$1056	$178
Progressive	$1312	$221
Auto-Owners	$357	$61
Encompass	$916	$152

Key Takeaways

Way's key takeaways about car insurance in Treasure Lake

The auto insurance costs in Treasure Lake fall around $346 for six months.
The cheapest auto insurance company in Treasure Lake is Westfield.
Teen drivers pay the highest rate in Treasure Lake at $683 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 Treasure Lake

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 Treasure Lake are given below.

Westfield provides the cheapest minimum car insurance coverage in Treasure Lake. Their Average 6 Month Premium is $134. AutoOwners is the most expensive at $72 for the same period.

Cheapest Liability Coverage in Treasure Lake, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$23
Auto-Owners Insurance Co	$140	$24
Erie	$179	$30
American National P&C	$184	$31
Chubb	$196	$33
Travelers	$207	$35
USAA	$245	$41
State Farm	$257	$43
Nationwide	$329	$55
Progressive	$374	$63
Allstate	$503	$85
Auto-Owners	$72	$12

Cheapest Full Coverage Car Insurance in Treasure Lake

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 Treasure Lake is AutoOwners Insurance Co at $57 per month and $346 for six months.

Cheapest Full Coverage Car Insurance Quotes in Treasure Lake, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$346	$57
American National P&C	$480	$82
Westfield	$575	$96
Travelers	$619	$104
Erie	$754	$127
Nationwide	$877	$148
State Farm	$893	$150
Allstate	$994	$167
USAA	$1056	$178
Progressive	$1312	$221
Auto-Owners	$357	$61
Encompass	$916	$152

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Treasure Lake Instantly!

Average Car Insurance in Treasure Lake 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 Treasure Lake, PA increasing?

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

Car Insurance Premiums by Age in Treasure Lake

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Treasure Lake,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Treasure Lake at $24 per month. At $4098 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$140	$24
Auto-Owners Insurance Co	$162	$27
American National P&C	$212	$36
Chubb	$234	$39
Erie	$961	$162
Travelers	$1105	$186
State Farm	$1591	$268
USAA	$1859	$316
Allstate	$2423	$404
Progressive	$2429	$413
Nationwide	$4098	$683

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 Treasure Lake, Westfield is the cheapest car insurance provider. At $218 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 Treasure Lake is State Farm, offering rates of around $4456 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$218	$37
Auto-Owners Insurance Co	$224	$38
Chubb	$262	$44
American National P&C	$296	$51
USAA	$955	$159
Nationwide	$994	$167
Erie	$1742	$290
Allstate	$2099	$357
Travelers	$2289	$382
Progressive	$2558	$435
State Farm	$4456	$743

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Treasure Lake.

Car Insurance Rates with An Accident in Treasure Lake

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 Treasure Lake, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Treasure Lake

The cheapest car insurance companies after an at-fault accident in Treasure Lake include Westfield and AutoOwners Insurance Co, offering $196 and $224, respectively. Donegal is an expensive provider with an average six-month premium of $218.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Auto-Owners Insurance Co	$224	$38
Chubb	$262	$44
American National P&C	$268	$45
Erie	$447	$75
State Farm	$519	$87
Travelers	$619	$104
USAA	$804	$135
Nationwide	$1234	$210
Allstate	$1273	$212
Progressive	$1508	$257
Auto-Owners	$72	$12
Donegal	$218	$37

Treasure Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Treasure Lake PA. For example, the car insurance in Treasure Lake after a DUI increases to $938 for a six month policy. While the rate increases by $1033 for a six-month policy in the case of a speeding ticket.

Treasure Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1033	$172
Cell phone violation	$1206	$205
Failure to wear a seat belt	$1206	$201
Failure to stop at a red light	$1217	$207
Illegal turn	$1217	$203
Improper passing	$1217	$207
Speeding in school zone	$1217	$203
Texting while driving	$1217	$207
Driving with expired registration	$1223	$204
Speeding 16 - 20 MPH over limit	$1223	$208
Wrong way/wrong lane	$1234	$206
Open container	$1307	$222
Reckless driving	$1904	$318
Racing	$1937	$329
DUI	$1971	$328
Driving with a suspended license	$1982	$337
Leaving scene of an accident/hit and run	$1999	$333

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 Treasure Lake 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 Treasure Lake.

The cheapest car insurance premiums in Treasure Lake are offered by American National P&C at $302 for a six-month policy. However, it can be as expensive as $2596 with companies like Nationwide.

Treasure Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$302	$50
Travelers	$648	$109
Erie	$809	$136
Allstate	$899	$151
Progressive	$982	$165
State Farm	$1145	$193
USAA	$1151	$194
Nationwide	$2596	$437

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 Treasure Lake are offered by Westfield at $118. However, it can be as expensive as $1810 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Treasure Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$118	$20
Auto-Owners Insurance Co	$150	$25
Erie	$519	$87
State Farm	$665	$112
Travelers	$720	$121
USAA	$1067	$178
Allstate	$1273	$216
Progressive	$1530	$255
Nationwide	$1810	$307

Car Insurance Price Trends in Treasure Lake, Pennsylvania

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

The average cost of full coverage in the Treasure Lake rose by $172 in January compared to $159 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the Treasure Lake rose to $42 in January, compared to $36 in December. This represents an increase of $6 when comparing January and December.

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 Treasure Lake?

The car insurance in Treasure Lake is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Treasure Lake?

The cheapest car insurance in Treasure Lake is $57 per month for full coverage.

How much is car insurance in Treasure Lake for teenagers?

Car insurance for teenagers costs $140 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 Treasure Lake?

The average cost of car insurance is $813 for a six-month policy. It will cost around $128 per month to insure your car in Treasure Lake.

Is car insurance expensive in Treasure Lake?

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

Cheapest Car Insurance Quotes in Treasure Lake

Why you can trust Way?

How Much Is Car Insurance in Treasure Lake

Avg. Car Insurance in Treasure Lake

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Treasure Lake

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Treasure Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Treasure Lake, PA

Way's key takeaways about car insurance in Treasure Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Treasure Lake

Cheapest Liability Coverage in Treasure Lake, PA

Cheapest Full Coverage Car Insurance in Treasure Lake

Cheapest Full Coverage Car Insurance Quotes in Treasure Lake, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Treasure Lake by Rating Factor

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

Car Insurance Premiums by Age in Treasure Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Treasure Lake,PA

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

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 Treasure Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Treasure Lake

Treasure Lake Car Insurance Rates by Violation

Treasure Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Treasure Lake after a DUI

Treasure Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Treasure Lake after Speeding ticket

Car Insurance Price Trends in Treasure Lake, Pennsylvania

Average Car Insurance Cost in Treasure Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Treasure Lake, PA

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

Featured Blogs

Data Sources