Cheapest Car Insurance Quotes in Whitfield

Finding the cheapest car insurance quotes in Whitfield 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

Whitfield Car Insurance

^$ 13

/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 Whitfield

The car insurance rate in Whitfield is $771 for a six-month policy, which is $16 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Whitfield 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 Whitfield

$771

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Whitfield

1st place: AutoOwners Insurance Co

At $361 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 $372 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 $501 for six months, making it the third cheapest auto insurance company in Whitfield.

Whitfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whitfield, PA is AutoOwners Insurance Co, offering policies at just $361 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $372.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1315 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whitfield drivers find the best deals.

Cheap Car Insurance Companies in Whitfield, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$361	$60
Auto-Owners	$372	$64
American National P&C	$501	$83
Travelers	$541	$91
Westfield	$600	$100
Erie	$786	$132
State Farm	$821	$138
Nationwide	$844	$142
Encompass	$955	$159
Allstate	$1036	$174
USAA	$1129	$190
Progressive	$1315	$221

Key Takeaways

Way's key takeaways about car insurance in Whitfield

The auto insurance costs in Whitfield fall around $361 for six months.
The cheapest auto insurance company in Whitfield is AutoOwners.
Teen drivers pay the highest rate in Whitfield at $613 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 Whitfield

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 Whitfield are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Whitfield. Their Average 6 Month Premium is $75. Allstate is the most expensive at $483 for the same period.

Cheapest Liability Coverage in Whitfield, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$75	$13
Westfield	$140	$24
Auto-Owners Insurance Co	$146	$25
Travelers	$174	$29
Erie	$186	$31
American National P&C	$192	$32
Chubb	$204	$34
State Farm	$244	$41
USAA	$244	$41
Progressive	$262	$44
Nationwide	$303	$50
Allstate	$483	$82

Cheapest Full Coverage Car Insurance in Whitfield

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 Whitfield is AutoOwners Insurance Co at $60 per month and $361 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whitfield, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$361	$60
Auto-Owners	$372	$64
American National P&C	$501	$83
Travelers	$541	$91
Westfield	$600	$100
Erie	$786	$132
State Farm	$821	$138
Nationwide	$844	$142
Encompass	$955	$159
Allstate	$1036	$174
USAA	$1129	$190
Progressive	$1315	$221

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Whitfield Instantly!

Average Car Insurance in Whitfield 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 Whitfield, PA increasing?

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

Car Insurance Premiums by Age in Whitfield

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	$553
30s	Travelers	$382
40s	Travelers	$360
50s	Travelers	$344
60s	Travelers	$344
70s	Travelers	$405

Cheapest Car Insurance Rates for Teen Drivers in Whitfield,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Whitfield at $25 per month. At $3609 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$25
Auto-Owners Insurance Co	$169	$28
American National P&C	$221	$37
Chubb	$244	$41
Travelers	$699	$118
Erie	$856	$144
State Farm	$1170	$197
USAA	$1537	$256
Allstate	$2573	$437
Progressive	$3562	$594
Nationwide	$3609	$613

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 Whitfield.

As young drivers face the highest rates in Whitfield, Travelers offers the cheapest auto insurance rates at $553 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 Whitfield, Westfield is the cheapest car insurance provider. At $227 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 Whitfield is State Farm, offering rates of around $3126 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$227	$38
Auto-Owners Insurance Co	$233	$39
Chubb	$273	$46
American National P&C	$309	$53
USAA	$885	$147
Nationwide	$897	$151
Erie	$1426	$238
Travelers	$1618	$275
Allstate	$2178	$363
Progressive	$2398	$408
State Farm	$3126	$521

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Whitfield

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

Cheapest Car Insurance Companies after an At-Fault Accident in Whitfield

The cheapest car insurance companies after an at-fault accident in Whitfield include AutoOwners and Westfield, offering $75 and $204, respectively. Allstate is an expensive provider with an average six-month premium of $1327.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$75	$13
Westfield	$204	$34
Donegal	$227	$38
Auto-Owners Insurance Co	$233	$39
Chubb	$273	$46
American National P&C	$279	$47
Erie	$349	$59
Travelers	$419	$71
State Farm	$431	$73
USAA	$762	$128
Progressive	$821	$138
Nationwide	$1083	$180
Allstate	$1327	$225

Whitfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whitfield PA. For example, the car insurance in Whitfield after a DUI increases to $978 for a six month policy. While the rate increases by $1077 for a six-month policy in the case of a speeding ticket.

Whitfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1077	$179
Cell phone violation	$1257	$214
Failure to wear a seat belt	$1257	$210
Failure to stop at a red light	$1269	$216
Illegal turn	$1269	$212
Improper passing	$1269	$216
Speeding in school zone	$1269	$212
Texting while driving	$1269	$216
Driving with expired registration	$1275	$213
Speeding 16 - 20 MPH over limit	$1275	$217
Wrong way/wrong lane	$1287	$215
Open container	$1362	$231
Reckless driving	$1985	$331
Racing	$2020	$343
DUI	$2055	$342
Driving with a suspended license	$2067	$352
Leaving scene of an accident/hit and run	$2084	$347

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 Whitfield 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 Whitfield.

The cheapest car insurance premiums in Whitfield are offered by American National P&C at $315 for a six-month policy. However, it can be as expensive as $2439 with companies like Nationwide.

Whitfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$315	$52
Travelers	$495	$83
Erie	$733	$123
Allstate	$937	$158
Progressive	$990	$167
State Farm	$996	$168
USAA	$1042	$175
Nationwide	$2439	$411

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 Whitfield are offered by Westfield at $123. However, it can be as expensive as $1578 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Whitfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$123	$21
Auto-Owners Insurance Co	$157	$26
Erie	$448	$75
Travelers	$448	$75
State Farm	$513	$86
USAA	$990	$169
Allstate	$1327	$221
Progressive	$1408	$239
Nationwide	$1578	$263

Car Insurance Price Trends in Whitfield, Pennsylvania

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

The average cost of full coverage in the Whitfield rose by $164 in December compared to $158 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 Whitfield remained steady at $36 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 Whitfield?

The car insurance in Whitfield is $13 per month, which is lower than the national average.

What is the cheapest car insurance in Whitfield?

The cheapest car insurance in Whitfield is $60 per month for full coverage.

How much is car insurance in Whitfield for teenagers?

Car insurance for teenagers costs $146 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 Whitfield?

The average cost of car insurance is $787 for a six-month policy. It will cost around $129 per month to insure your car in Whitfield.

Is car insurance expensive in Whitfield?

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

Cheapest Car Insurance Quotes in Whitfield

Why you can trust Way?

How Much Is Car Insurance in Whitfield

Avg. Car Insurance in Whitfield

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Whitfield

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Whitfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Whitfield, PA

Way's key takeaways about car insurance in Whitfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Whitfield

Cheapest Liability Coverage in Whitfield, PA

Cheapest Full Coverage Car Insurance in Whitfield

Cheapest Full Coverage Car Insurance Quotes in Whitfield, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Whitfield by Rating Factor

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

Car Insurance Premiums by Age in Whitfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Whitfield,PA

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

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 Whitfield

Cheapest Car Insurance Companies after an At-Fault Accident in Whitfield

Whitfield Car Insurance Rates by Violation

Whitfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Whitfield after a DUI

Whitfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Whitfield after Speeding ticket

Car Insurance Price Trends in Whitfield, Pennsylvania

Average Car Insurance Cost in Whitfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Whitfield, PA

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

Featured Blogs

Data Sources