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How much is car insurance in Canonsburg?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $26 a month cheaper to insure your vehicle in Canonsburg than it is in the rest of Pennsylvania.
When stacked up against the national average, the average monthly policy payment for Canonsburg is more affordable. You can expect to pay about $36 below the national average for auto insurance in Canonsburg.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down the average rate for Canonsburg residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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 older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Canonsburg.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance, in Canonsburg men actually pay $41 per month for coverage while women pay $52.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Canonsburg, drivers with one accident on their record will experience rates around $47 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $44.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$35|
If you look at the first table above, you'll see that SUVs and cars are typically the cheapest vehicles to insure in Canonsburg, with drivers paying around $44 per month for insurance coverage.
SUV owners can expect to pay an average of around $44 a month for their policy, while truck and van drivers are usually around $63 to insure each month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Canonsburg, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$46|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Canonsburg are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Canonsburg. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Canonsburg, PA
Recent trends in car insurance for Canonsburg drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Canonsburg, the rates for auto insurance had been decreasing from 2017-2019, but started to rise in 2021. This pattern has continued and insurance rates reached a high of $78 per month in 2022.
How does Canonsburg compare to neighboring areas?
Why are car insurance rates in Canonsburg different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Access to off-street parking
- Number of car accidents
- Crime rates
- Number of drivers
- Regional laws
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Canonsburg?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing plans in Canonsburg in no time.
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Canonsburg Insurance FAQs
What factors affect car insurance quotes in Canonsburg?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Canonsburg 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Canonsburg?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Canonsburg?
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?
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 Canonsburg 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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