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Finding the cheapest car insurance quotes in Villa Maria 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 Villa Maria
The car insurance rate in Villa Maria is $748 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in Villa Maria 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 $350 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 $361 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 $485
for six months, making it
the third cheapest auto insurance company in Villa Maria.
Villa Maria Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Villa Maria, PA is AutoOwners Insurance Co, offering policies at just $350 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $361.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1275 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Villa Maria drivers find the best deals.
Way's key takeaways about car insurance in Villa Maria
The auto insurance costs in Villa Maria fall around $350 for six
months.
The cheapest auto insurance company in Villa Maria is AutoOwners.
Teen drivers pay the highest rate in Villa Maria at $595 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 Villa Maria
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 Villa Maria are given below.
AutoOwners provides
the cheapest minimum car insurance
coverage in Villa Maria. Their Average 6 Month Premium is $73.
Allstate is the most
expensive at $468 for the same
period.
Cheapest Full Coverage Car Insurance in Villa Maria
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 Villa Maria is AutoOwners Insurance Co
at $58 per month and $350
for six months.
Cheapest Full Coverage Car Insurance Quotes in Villa Maria,
PA
Get Your Car Insurance Quote in Villa Maria
Instantly!
Average Car Insurance in Villa Maria 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 Villa Maria, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Villa Maria, 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, Villa Maria's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Villa Maria
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
$536
30s
Travelers
$371
40s
Travelers
$349
50s
Travelers
$333
60s
Travelers
$333
70s
Travelers
$392
Cheapest Car Insurance Rates for Teen Drivers in
Villa Maria,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Villa Maria at $24
per
month. At $3499 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Villa Maria.
As young drivers face the highest rates in Villa Maria, Travelers
offers the cheapest auto insurance rates at $536 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 Villa Maria,
Westfield is
the cheapest car insurance provider. At $220 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
Villa Maria is State Farm, offering
rates of around $3031 for six
months.
Save up to $971/yr on car insurance rates in Villa Maria.
Car Insurance Rates with An Accident in Villa Maria
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 Villa Maria, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Villa Maria
The cheapest car insurance companies after an at-fault accident in
Villa Maria include AutoOwners
and Westfield, offering $73
and $198,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1286.
Here is a list of driving violations that can increase your car
insurance rates in Villa Maria PA. For example, the car
insurance in Villa Maria
after a DUI increases to $948 for a six
month policy. While the rate increases by $1044 for a six-month policy in the case of
a speeding ticket.
Villa Maria auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1044
$174
Cell phone violation
$1219
$207
Failure to wear a seat belt
$1219
$203
Failure to stop at a red light
$1230
$209
Illegal turn
$1230
$205
Improper passing
$1230
$209
Speeding in school zone
$1230
$205
Texting while driving
$1230
$209
Driving with expired registration
$1236
$206
Speeding 16 - 20 MPH over limit
$1236
$210
Wrong way/wrong lane
$1247
$208
Open container
$1321
$224
Reckless driving
$1925
$321
Racing
$1958
$333
DUI
$1992
$332
Driving with a suspended license
$2004
$341
Leaving scene of an accident/hit and run
$2021
$336
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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 Villa Maria 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 Villa Maria.
The cheapest car insurance premiums in
Villa Maria are
offered by American National P&C at $305 for a six-month policy.
However, it can be as
expensive as $2365 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 Villa Maria are offered by Westfield
at $119. However,
it can be as expensive as $1530
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Villa Maria after Speeding ticket
Car Insurance Price Trends in Villa Maria,
Pennsylvania
Car insurance rates in Villa Maria have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Villa Maria rose by
$159 in December
compared to $153 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 Villa Maria remained steady at $35 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Villa Maria 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
Villa Maria. At $1495 for a
six-month policy, insuring
your car at 16155 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Villa Maria?
The car insurance in Villa Maria is $12 per month, which is lower than the national average.
What is the cheapest car insurance in Villa Maria?
The cheapest car insurance in Villa Maria
is $58 per month
for full coverage.
How much is car insurance in Villa Maria for teenagers?
Car insurance for teenagers costs $142 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
Villa Maria?
The average cost of car insurance is $787 for a six-month
policy. It will cost around $125 per month to insure your
car in Villa Maria.
Is car insurance expensive in Villa Maria?
Car insurance can be expensive in Villa Maria if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Villa Maria can be
affordable.
What is the best car insurance in Villa Maria,
PA?
The best car insurance company in Villa Maria
PA is
AutoOwners Insurance Co, offering $350 for a
six-month policy.
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Cut auto insurance costs in Villa Maria right now.
Find Car Insurance Rates in Cities Near Villa Maria, PA
Car Insurance Rates by State in the USA (2025 Update)
Villa Maria Car Insurance
