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How much is car insurance in Elizabethtown?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Pennsylvania are about $4 a month cheaper than the rates drivers pay in Elizabethtown.
Compared to the rest of the country, auto insurance in Elizabethtown is more affordable. You can expect to pay about $5 below the national average for auto insurance in Elizabethtown.
While these are the average monthly costs for auto insurance coverage in Elizabethtown, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rate for Elizabethtown residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in Elizabethtown.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Elizabethtown is about $33 per month. As you can see in the table above, male drivers in the area typically pay $85 on average, while female drivers typically pay $52 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Elizabethtown, drivers with one accident on their record will experience rates around $62 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. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$88|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Elizabethtown, with drivers paying around $55 per month for insurance coverage.
Truck and van drivers will see rates of about $59, while the rates for car owners average out to about $85 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally 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 Elizabethtown, vehicles fifteen years and older and six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$82|
At a national level, single drivers usually pay more than married couples do for auto insurance. Elizabethtown follows that pattern, with the difference totaling to around $34 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $25 a month more than those who own their own home in Elizabethtown. But if you live with your parents, your rates will be significantly higher.
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 Elizabethtown, PA
Recent trends in car insurance for Elizabethtown drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Elizabethtown, the rates for car insurance had been decreasing from 2016-2018, when they hit a low of $44, but started to rise from 2019-2020. They finished down in 2021, at $83.
How does Elizabethtown compare to neighboring areas?
Why are car insurance rates in Elizabethtown different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Number of drivers in the community
- Prevalence of crime
- Community laws
- Amount of off-street parking
- Road Safety (frequency of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Elizabethtown?
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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Elizabethtown.
Elizabethtown Insurance FAQs
What factors affect car insurance quotes in Elizabethtown?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Elizabethtown different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Elizabethtown?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Elizabethtown?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Elizabethtown or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.