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How much is car insurance in East Stroudsburg?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in East Stroudsburg as it does in the rest of Pennsylvania.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in East Stroudsburg is rather affordable. It's about $9 cheaper to insure your vehicle in East Stroudsburg compared to the average rate for the United States as a whole.
Bear in mind that while these are the average car insurance rates for East Stroudsburg, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down average rates for East Stroudsburg 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 Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Drivers in East Stroudsburg may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in East Stroudsburg, where women pay around $13 less per month. Based on the chart above, you can see that female drivers pay around $64 on average, while male drivers typically pay $77 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In East Stroudsburg, having a single accident on your record will usually get you rates around $92 a month. Similarly, drivers with one ticket will typically pay around $141 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$59|
|15 Years or Older||$75|
In East Stroudsburg, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $60 per month for insurance coverage.
SUV drivers will see rates of about $61, while the rates for car owners average out to about $76 a month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In East Stroudsburg, 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)||$73|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
In East Stroudsburg, the difference in rates based on relationship status can be as much as $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in East Stroudsburg, expect to pay around $14 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, 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.
In East Stroudsburg, car insurance rates decreased from 2016-2017, before steadying out in 2018. Rates increased again recently, hitting a high of $97 in 2021.
How does East Stroudsburg compare to neighboring areas?
Why are car insurance rates in East Stroudsburg different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Amount of drivers in the area
- Community laws
- Access to off-street parking
- Road Safety (total number of local car accidents)
- Crime levels
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in East Stroudsburg?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in East Stroudsburg.
East Stroudsburg Insurance FAQs
What factors affect car insurance quotes in East Stroudsburg?
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 gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in East Stroudsburg different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 East Stroudsburg?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to East Stroudsburg?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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.