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How much is car insurance in Elizabethtown?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Elizabethtown are about the same as the rest of Pennsylvania.
When stacked up against the national average, the average monthly policy payment for Elizabethtown is more affordable. You can expect to pay about $8 below the national average for auto insurance in Elizabethtown.
While these are the average car insurance rates for Elizabethtown, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay 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 the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, 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 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Elizabethtown.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Elizabethtown, where women pay around $30 less a month. As illustrated in the table above, male drivers in the area pay about $82 on average, while female drivers pay around $52 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Elizabethtown with one accident will pay around $62 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $43.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$85|
In terms of affordable coverage, the cheapest vehicles to insure in Elizabethtown are usually trucks and vans, at $49 per month.
Car owners will see a monthly rate of about $85, while SUV owners by and large pay around $54 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Elizabethtown are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$81|
More often than not, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Elizabethtown can be as much as $35 a month, so it's worth taking into consideration.
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. If you rent your home or apartment, expect to pay around $22 a month more than drivers who own property in Elizabethtown. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 picking an insurance policy.
The cost of car insurance in Elizabethtown have been mixed as of late, it declined in 2017, increased in 2019, and decreased again in 2021, before finishing at $35 in 2022.
How does Elizabethtown compare to neighboring areas?
Why are car insurance rates in Elizabethtown different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Local laws
- Number of drivers in the region
- Rate of crime
- Rate of car accidents
- Off-street parking access
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Elizabethtown?
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 has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Elizabethtown in no time.
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Elizabethtown Insurance FAQs
What factors affect car insurance quotes in Elizabethtown?
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 age and gender, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Elizabethtown different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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?
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 Elizabethtown?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Elizabethtown 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.
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