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How much is car insurance in Johnstown?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Johnstown is about $25 cheaper than it is in the rest of Pennsylvania.
Likewise, when compared to the national average, the cost for auto insurance in Johnstown is lower. The average monthly payment in Johnstown is about $34 cheaper than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Johnstown, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Johnstown 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 Code below and 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 car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Johnstown.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. Male and female drivers in Johnstown, however, both pay the same monthly amount for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Johnstown, a driving record with a single accident will usually get you a rate around $52 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $67.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$48|
In terms of affordable coverage, the cheapest vehicles to insure in Johnstown are typically trucks and vans, at $44 per month.
Car owners, on the other hand, by and large pay around $45 per month, while SUV drivers can expect to pay about $50 a month for auto insurance.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Johnstown are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Johnstown as well, where the difference is around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
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 $4 a month more than those who own their own home in Johnstown. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Johnstown, PA
Recent trends in car insurance for Johnstown 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.
Car insurance rates in Johnstown decreased from 2016-2018, when they hit a low of $40. Policy premiums started to rise in 2019, and this pattern has continued through 2021, when rates have most recently reached $49.
How does Johnstown compare to neighboring areas?
Why are car insurance rates in Johnstown different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Total number of drivers in the community
- Road safety
- Off-street parking accessibility
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Johnstown?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Johnstown.
Johnstown Insurance FAQs
What factors affect car insurance quotes in Johnstown?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Johnstown different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, 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 Johnstown?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Johnstown?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Johnstown or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.