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How much is car insurance in Johnstown?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Johnstown typically costs about $25 a month less than it does in the rest of Pennsylvania.
Similarly, when compared to the national average, the cost for auto insurance in Johnstown is lower. Auto insurance coverage in Johnstown is about $35 cheaper than it is for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in Johnstown, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down the average rates for Johnstown to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates begin to increase again once you hit retirement in Johnstown.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay a little bit less than female drivers on their monthly auto coverage, the difference in Johnstown is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay 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, drivers with one ticket will typically pay around $60 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$46|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Johnstown, with drivers paying around $41 per month for insurance coverage.
Car owners can expect to pay an average of around $47 a month for their policy, while SUVs usually cost around $48 a month to insure.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, your monthly bill may start to dip back down. 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|
Overall, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
The difference in rates based on relationship status in Johnstown can be as much as $9 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor that comes into play is your housing status. Homeowners in Johnstown can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Johnstown, PA
Recent trends in car insurance for Johnstown drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Johnstown, the rates for auto insurance had been decreasing from 2017-2018, when they reached a low of $40, but began to increase from 2019-2020. Rates finished up in 2022, at $52.
How does Johnstown compare to neighboring areas?
Why are car insurance rates in Johnstown different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Amount of off-street parking
- Number of drivers in the area
- Local laws
- Area crime rates
- Road Safety (how many accidents each locality has)
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 Johnstown?
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.
Luckily, 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 the many car insurance companies offering auto coverage in Johnstown.
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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 age and gender, 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?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Johnstown?
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 Johnstown?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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.
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