Freeland, PA Car Insurance

On average, drivers in Freeland pay around $43 per month for their car insurance. To learn more about what you're likely to pay in the Freeland area, read our guide below.
Are rates in Freeland higher or lower than those in neighboring areas? How do they compare to the rest of Pennsylvania? What rates should residents of Freeland expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Freeland?

Area Average Monthly Car Insurance Premium
Freeland$43
PA$71
United States$81

According to the chart above, the average cost of auto insurance in Pennsylvania is about $28 a month more expensive than it is in Freeland.

When stacked up against the national average, the average monthly policy payment for Freeland is more affordable. Auto insurance coverage in Freeland is about $38 cheaper than it is for the rest of the U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Freeland so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$86
25-34$45
35-44$41
45-54$40
55-64$35
65+$45

It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Drivers in Freeland may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$44
Female$43

Car insurance rates for women are generally cheaper than they are for men. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Freeland is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$60
1 Ticket$43
Multiple Tickets$54

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Freeland, a driving record with a single accident will usually get you a rate around $62 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $43.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$38
2-3 Years$37
4-5 Years$37
6-7 Years$37
8-10 Years$48
11-14 Years$46
15 Years or Older$54

The most affordable vehicles to insure in Freeland are typically trucks and vans, which run about $36 per month.

Car owners will see a monthly rate of about $45, while SUV owners by and large pay around $43 per month.

Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Freeland, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$43
Married$54
Divorced$49

Generally speaking, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The cost of auto insurance in Freeland reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$47
Live with parents$50

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than those who own their own home in Freeland. 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 costs, depending on your insurance company.

Car Insurance Companies in Freeland, PA

Recent trends in car insurance for Freeland 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 cost of car insurance in Freeland declined from 2017-2019, before leveling out in 2020. Car insurance rates finished up in 2022, at $45 a month

How does Freeland compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Off-street parking access
  • Crime levels
  • Local regulations
  • Number of drivers
  • Road Safety (frequency of local car accidents)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Freeland?

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.

But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Freeland.

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Freeland Insurance FAQs

What factors affect car insurance quotes in Freeland?

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 Freeland different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Freeland?

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 Freeland?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Freeland or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes