Coatesville, PA Car Insurance

On average, Coatesville drivers pay around $60 a month for their car insurance. To learn more about policy rates and coverage in the Coatesville area, continue reading our guide below.
What can Coatesville residents expect to pay for their car insurance? Compared to their surrounding area, how do rates in Coatesville stack up? What about against the rest of Pennsylvania? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Coatesville?

Area Average Monthly Car Insurance Premium
Coatesville$60
PA$71
United States$80

As you can see in the chart above, it is around $11 a month cheaper to insure your vehicle in Coatesville than it is in the rest of Pennsylvania.

Similarly, when compared to the national average, the cost for auto insurance in Coatesville is lower. On average, it's about $20 less to insure your vehicle in Coatesville than it is in the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in Coatesville, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Coatesville residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$56
35-44$54
45-54$53
55-64$57
65+$52

More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up a bit once you hit retirement in Coatesville.

Average Car Insurance Rates by Gender

Gender Average
Male$56
Female$64

Although female drivers pay, on average, less than male drivers for car insurance, Coatesville actually defies this trend. While female drivers pay $64 a month for insurance coverage, males only pay about $56.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$79
Multiple Accidents$54
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Coatesville with a single accident will pay around $79 a month.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$50
2-3 Years$47
4-5 Years$50
6-7 Years$53
8-10 Years$65
11-14 Years$67
15 Years or Older$56

The cheapest vehicles to insure in Coatesville are typically trucks and vans, with each type typically costing about $41 per month.

SUV drivers will see rates of about $52 for auto insurance, while car owners usually pay around $67 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Coatesville are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$53
Divorced$44
Widowed$50

More often than not, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Coatesville can be as much as $10 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$54
Rent$59
Live with parents$73

Your housing situation is another factor that affects your monthly rate. Those who own their own home in Coatesville can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Coatesville, PA

Recent trends in car insurance for Coatesville drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

In Coatesville, car insurance rates increased from 2016-2017, before leveling out in 2018. Insurance rates finished up in 2021, at $58 a month

How does Coatesville compare to neighboring areas?

Why are car insurance rates in Coatesville different from other areas?

Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Rate of car accidents
  • Regional laws
  • Total amount of drivers in the area
  • Off-street parking access
  • Prevalence of crime

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. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Coatesville?

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 does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Coatesville.

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Coatesville Insurance FAQs

What factors affect car insurance quotes in Coatesville?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Coatesville different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Coatesville?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Coatesville?

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 Coatesville 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.

Find your best rate in just a few minutes