Coatesville, PA Car Insurance

Coatesville drivers pay, on average, around $59 a month for their car insurance. For more information refer to our guide below.
How much can residents of Coatesville expect to pay for their car insurance? Are rates in Coatesville higher or lower than those in neighboring areas? How do they compare to the rest of Pennsylvania? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Coatesville?

Area Average Monthly Car Insurance Premium
Coatesville$59
PA$71
United States$81

Based on the chart above, you can see that coverage in Coatesville typically costs about $12 a month less than it does in the rest of Pennsylvania.

If you're thinking of moving to Coatesville from out of state, you may still be in luck. The average monthly payment in Coatesville is about $22 cheaper than the rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Coatesville, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

We've analyzed the average rate for Coatesville and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$91
25-34$57
35-44$54
45-54$52
55-64$54
65+$52

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Coatesville.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$60

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Coatesville, however, men actually pay slightly less than female drivers for insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$75
Multiple Accidents$58
1 Ticket$62
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Coatesville, drivers with one accident on their record will experience rates around $75 a month. Likewise, drivers with one ticket will be looking at a rate of around $62 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$47
2-3 Years$76
4-5 Years$50
6-7 Years$53
8-10 Years$62
11-14 Years$65
15 Years or Older$55

As you can see in the first table above, the cheapest vehicles to insure in Coatesville are by and large trucks and vans, which run about $42 per month.

Car owners will see a monthly premium of about $66, while SUV owners usually pay around $52 a month.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Coatesville, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$52
Divorced$44
Widowed$50

Generally, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Coatesville follows that pattern, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$57
Live with parents$70

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $1 a month less than those who own their own home in Coatesville. 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 Coatesville, PA

Recent trends in car insurance for Coatesville drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The rates for car insurance in Coatesville decreased from 2017-2018, before leveling out in 2019. They finished down in 2022, at $53 per month

How does Coatesville compare to neighboring areas?

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

There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Total drivers
  • Local crime rates
  • Local regulations
  • Amount of off-street parking
  • Rate of car accidents

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Coatesville?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans 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, address, and marital status.

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

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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 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?

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 Coatesville 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.

Find your best rate in just a few minutes