Table of contents
How much is car insurance in Butler?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Butler is about $22 cheaper than it is in the rest of Pennsylvania.
Likewise, the expected monthly payments for an auto insurance policy in Butler are below the national average. It's around $31 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Butler, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Butler and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $23 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Butler drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for car insurance, in Butler men actually pay $46 per month for coverage while women pay $52.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. The rate for drivers in Butler with a single accident on their record is about $52 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $50.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$42|
According to the first table above, cars are typically the cheapest vehicles to insure in Butler, with drivers paying around $48 per month for auto insurance coverage.
Truck and van drivers will see rates of about $51 for auto insurance, while SUV owners by and large pay around $50 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. 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|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Butler is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$49|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Butler. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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 shopping for coverage.
The rates for car insurance in Butler decreased from 2016-2018, before steadying out in 2019. Insurance rates fell again recently, hitting a low of $40 in 2021.
How does Butler compare to neighboring areas?
Why are car insurance rates in Butler different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Amount of off-street parking
- Road safety
- Regional regulations
- Rate of crime
- Amount of drivers in the region
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Butler?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Butler.
Butler Insurance FAQs
What factors affect car insurance quotes in Butler?
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 gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Butler different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Butler?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Butler?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Butler or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.