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How much is car insurance in East Stroudsburg?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Pennsylvania are about $9 a month cheaper than the rates drivers pay in East Stroudsburg.
Compared to the rest of the country, auto insurance in East Stroudsburg is more affordable. The average monthly payment for the U.S. as a whole is about $1 more expensive than in East Stroudsburg.
While these are the average car insurance rates for East Stroudsburg, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for East Stroudsburg and broken down the different factors to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up once you hit retirement in East Stroudsburg.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in East Stroudsburg is about $18 a month. As illustrated in the table above, female drivers in the area pay about $70 on average, while male drivers pay around $88 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in East Stroudsburg with one accident will pay around $117 a month. In addition, drivers with a single ticket on their record can expect to pay around $133 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$73|
In East Stroudsburg, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $72 per month for insurance coverage.
SUV drivers will see rates of about $73 to insure their vehicle, while car owners typically pay around $84 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In East Stroudsburg, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
On average, people who are married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for East Stroudsburg as well, where the difference is around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
One other element taken into consideration is your living accommodations. In East Stroudsburg, homeowners can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in East Stroudsburg, PA
Recent trends in car insurance for East Stroudsburg 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.
The rates for car insurance in East Stroudsburg dropped from 2017-2018, before increasing from 2019-2021. They finished down in 2022 at $69.
How does East Stroudsburg compare to neighboring areas?
Why are car insurance rates in East Stroudsburg different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Off-street parking access
- Total number of drivers
- Regional laws
- Rate of car accidents
- Local crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 East Stroudsburg?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in East Stroudsburg.
East Stroudsburg Insurance FAQs
What factors affect car insurance quotes in East Stroudsburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 East Stroudsburg different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 East Stroudsburg?
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 East Stroudsburg?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 East Stroudsburg 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.