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How much is car insurance in Butler?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Pennsylvania is about $21 a month more expensive than it is in Butler.
Compared to the rest of the country, auto insurance in Butler is more affordable. You can expect to pay about $31 less for your policy in Butler than in the rest of United States.
Keep in mind that these are the average auto insurance rates for Butler, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Butler residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates start to rise again in Butler.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Butler actually bucks this trend. While female drivers pay $52 per month for car insurance, males only pay about $46.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. In Butler, a driving record with one accident will usually get you a rate around $54 a month. In addition, drivers with a single ticket on their record can expect to pay around $56 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$45|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Butler, with drivers paying around $45 per month to insure their vehicle.
Car and SUVs, however, both cost about the same amount for insurance -- around $50 a month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Butler are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Butler can be as much as $7 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$48|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Whether rent your home or own property in Butler, you can expect to pay around $49 per month.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Butler, PA
Recent trends in car insurance for Butler drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Car insurance rates in Butler had been decreasing from 2017-2018, but began to rise in 2021. This pattern has continued through 2022 when rates have most recently hit $55 per month.
How does Butler compare to neighboring areas?
Why are car insurance rates in Butler different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Area laws
- Off-street parking accessibility
- Total amount of drivers in the community
- Road Safety (frequency of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Knowing 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 Butler?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Butler.
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Butler Insurance FAQs
What factors affect car insurance quotes in Butler?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Butler different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Butler?
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 Butler?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Butler or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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