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How much is car insurance in Altoona?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Pennsylvania, coverage in Altoona is about $21 a month cheaper.
Similarly, car insurance rates in Altoona are more affordable than the national average. It's about $31 cheaper than the national average to insure your vehicle in Altoona.
Keep in mind that while these are the average car insurance rates for Altoona, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've analyzed the average rate for Altoona and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to go back up once you hit retirement in Altoona.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Altoona, this difference shakes out to about $5 a month. As you can see in the table above, female drivers in the area typically pay $48 on average, while female drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Altoona with a single accident on their record will usually see rates around $58 a month. In addition, drivers with a single ticket on their record can expect to pay around $56 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$49|
The cheapest vehicles to insure in Altoona are typically trucks and vans, with each type typically costing about $46 per month.
SUV drivers will see rates of about $53 for insurance coverage, while car owners usually pay around $49 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. The most expensive vehicles to insure in Altoona are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Altoona is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Your living situation is another factor that affects your monthly rate. Homeowners and renters alike can expect to pay about $48 per month for coverage in Altoona.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Altoona, PA
Recent trends in car insurance for Altoona drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Altoona dropped from 2017-2019, before leveling out in 2020. Insurance rates decreased again recently, reaching a low of $44 in 2022.
How does Altoona compare to neighboring areas?
Why are car insurance rates in Altoona different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Regional laws
- Regional crime rates
- General road safety (how many accidents each locality has)
- Amount of drivers
- Access to off-street parking
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Altoona?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Altoona.
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Altoona Insurance FAQs
What factors affect car insurance quotes in Altoona?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Altoona different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Altoona?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Altoona?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Altoona or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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