Cheapest Car Insurance Quotes in Woodbourne

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Woodbourne Car Insurance

^$ 15

/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 Woodbourne

The car insurance rate in Woodbourne is $937 for a six-month policy, which is $150 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, making it a popular choice for budget-conscious drivers. Rates in Woodbourne 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 Woodbourne

$937

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Woodbourne

1st place: AutoOwners Insurance Co

At $438 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 $452 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 $608 for six months, making it the third cheapest auto insurance company in Woodbourne.

Woodbourne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodbourne, PA is AutoOwners Insurance Co, offering policies at just $438 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $452.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1597 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodbourne drivers find the best deals.

Cheap Car Insurance Companies in Woodbourne, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$438	$73
Auto-Owners	$452	$77
American National P&C	$608	$101
Travelers	$657	$111
Westfield	$728	$121
Erie	$954	$161
State Farm	$997	$168
Nationwide	$1025	$173
Encompass	$1159	$193
Allstate	$1258	$212
USAA	$1371	$231
Progressive	$1597	$269

Key Takeaways

Way's key takeaways about car insurance in Woodbourne

The auto insurance costs in Woodbourne fall around $438 for six months.
The cheapest auto insurance company in Woodbourne is AutoOwners.
Teen drivers pay the highest rate in Woodbourne at $745 per month.

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Cheapest Minimum Liability Car Insurance in Woodbourne

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 Woodbourne are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Woodbourne. Their Average 6 Month Premium is $92. Allstate is the most expensive at $587 for the same period.

Cheapest Liability Coverage in Woodbourne, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$92	$15
Westfield	$170	$29
Auto-Owners Insurance Co	$177	$30
Travelers	$212	$36
Erie	$226	$38
American National P&C	$233	$39
Chubb	$248	$42
State Farm	$296	$50
USAA	$296	$50
Progressive	$318	$54
Nationwide	$368	$61
Allstate	$587	$100

Cheapest Full Coverage Car Insurance in Woodbourne

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 Woodbourne is AutoOwners Insurance Co at $73 per month and $438 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodbourne, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$438	$73
Auto-Owners	$452	$77
American National P&C	$608	$101
Travelers	$657	$111
Westfield	$728	$121
Erie	$954	$161
State Farm	$997	$168
Nationwide	$1025	$173
Encompass	$1159	$193
Allstate	$1258	$212
USAA	$1371	$231
Progressive	$1597	$269

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Average Car Insurance in Woodbourne 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 Woodbourne, PA increasing?

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

Car Insurance Premiums by Age in Woodbourne

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	$671
30s	Travelers	$464
40s	Travelers	$437
50s	Travelers	$418
60s	Travelers	$418
70s	Travelers	$491

Cheapest Car Insurance Rates for Teen Drivers in Woodbourne,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Woodbourne at $30 per month. At $4383 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Auto-Owners Insurance Co	$205	$35
American National P&C	$269	$45
Chubb	$296	$50
Travelers	$848	$143
Erie	$1039	$175
State Farm	$1421	$239
USAA	$1866	$311
Allstate	$3124	$531
Progressive	$4326	$721
Nationwide	$4383	$745

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 Woodbourne.

As young drivers face the highest rates in Woodbourne, Travelers offers the cheapest auto insurance rates at $671 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 Woodbourne, Westfield is the cheapest car insurance provider. At $276 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 Woodbourne is State Farm, offering rates of around $3796 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$276	$46
Auto-Owners Insurance Co	$283	$48
Chubb	$332	$56
American National P&C	$375	$64
USAA	$1075	$179
Nationwide	$1089	$183
Erie	$1731	$289
Travelers	$1965	$334
Allstate	$2644	$440
Progressive	$2912	$495
State Farm	$3796	$633

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Car Insurance Rates with An Accident in Woodbourne

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

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

The cheapest car insurance companies after an at-fault accident in Woodbourne include AutoOwners and Westfield, offering $92 and $248, respectively. Allstate is an expensive provider with an average six-month premium of $1611.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$92	$15
Westfield	$248	$42
Donegal	$276	$46
Auto-Owners Insurance Co	$283	$48
Chubb	$332	$56
American National P&C	$339	$57
Erie	$424	$71
Travelers	$509	$86
State Farm	$524	$88
USAA	$926	$156
Progressive	$997	$168
Nationwide	$1315	$219
Allstate	$1611	$274

Woodbourne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodbourne PA. For example, the car insurance in Woodbourne after a DUI increases to $1187 for a six month policy. While the rate increases by $1308 for a six-month policy in the case of a speeding ticket.

Woodbourne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1308	$218
Cell phone violation	$1527	$259
Failure to wear a seat belt	$1527	$255
Failure to stop at a red light	$1541	$262
Illegal turn	$1541	$257
Improper passing	$1541	$262
Speeding in school zone	$1541	$257
Texting while driving	$1541	$262
Driving with expired registration	$1548	$258
Speeding 16 - 20 MPH over limit	$1548	$263
Wrong way/wrong lane	$1562	$261
Open container	$1654	$281
Reckless driving	$2411	$402
Racing	$2453	$417
DUI	$2495	$415
Driving with a suspended license	$2510	$427
Leaving scene of an accident/hit and run	$2531	$421

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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 Woodbourne 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 Woodbourne.

The cheapest car insurance premiums in Woodbourne are offered by American National P&C at $382 for a six-month policy. However, it can be as expensive as $2962 with companies like Nationwide.

Woodbourne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$382	$63
Travelers	$601	$101
Erie	$890	$150
Allstate	$1138	$192
Progressive	$1202	$202
State Farm	$1209	$203
USAA	$1265	$213
Nationwide	$2962	$499

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 Woodbourne are offered by Westfield at $149. However, it can be as expensive as $1916 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Woodbourne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$149	$25
Auto-Owners Insurance Co	$190	$32
Erie	$544	$92
Travelers	$544	$92
State Farm	$622	$105
USAA	$1202	$205
Allstate	$1611	$269
Progressive	$1710	$290
Nationwide	$1916	$319

Car Insurance Price Trends in Woodbourne, Pennsylvania

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

The average cost of full coverage in the Woodbourne rose by $199 in December compared to $192 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 Woodbourne remained steady at $44 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Woodbourne?

The car insurance in Woodbourne is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Woodbourne?

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

How much is car insurance in Woodbourne for teenagers?

Car insurance for teenagers costs $177 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 Woodbourne?

The average cost of car insurance is $787 for a six-month policy. It will cost around $157 per month to insure your car in Woodbourne.

Is car insurance expensive in Woodbourne?

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

Cheapest Car Insurance Quotes in Woodbourne

Why you can trust Way?

How Much Is Car Insurance in Woodbourne

Avg. Car Insurance in Woodbourne

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Woodbourne

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Woodbourne Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodbourne, PA

Way's key takeaways about car insurance in Woodbourne

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodbourne

Cheapest Liability Coverage in Woodbourne, PA

Cheapest Full Coverage Car Insurance in Woodbourne

Cheapest Full Coverage Car Insurance Quotes in Woodbourne, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodbourne by Rating Factor

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

Car Insurance Premiums by Age in Woodbourne

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodbourne,PA

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

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 Woodbourne

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

Woodbourne Car Insurance Rates by Violation

Woodbourne auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodbourne after a DUI

Woodbourne car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodbourne after Speeding ticket

Car Insurance Price Trends in Woodbourne, Pennsylvania

Average Car Insurance Cost in Woodbourne by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodbourne, PA

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

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