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How much is car insurance in Clifton Heights?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Pennsylvania are about $8 a month cheaper than the rates drivers pay in Clifton Heights.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Clifton Heights is rather affordable. Car insurance rates for the U.S. as a whole are, on average, $1 more expensive than the rates you'd pay in Clifton Heights.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.
We've analyzed the average rate for Clifton Heights and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Clifton Heights may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Clifton Heights goes against the grain. Female drivers typically pay around $8 more a month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Clifton Heights, a driving record with a single accident will usually get you a rate around $84 a month. Likewise, drivers with one ticket will be looking at a rate of around $104 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$79|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Clifton Heights, with drivers paying around $70 per month for insurance.
Car owners will see a monthly premium of about $81, while SUV owners by and large pay around $79 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Clifton Heights, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Clifton Heights as well, where the difference is around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $1 a month more than homeowners in Clifton Heights. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Clifton Heights, PA
Recent trends in car insurance for Clifton Heights 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.
In Clifton Heights, the rates for auto insurance declined from 2016-2018, before leveling out in 2019. Policy premiums had been increasing again recently, reaching a high of $95 in 2021.
How does Clifton Heights compare to neighboring areas?
Why are car insurance rates in Clifton Heights different from other areas?
There are several factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Amount of drivers in the area
- Regional regulations
- Off-street parking availability
- Number of car accidents
- Local crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Clifton Heights?
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.
Fortunately, Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Clifton Heights in no time.
Clifton Heights Insurance FAQs
What factors affect car insurance quotes in Clifton Heights?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Clifton Heights different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Clifton Heights?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Clifton Heights?
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 Clifton Heights 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.