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How much is car insurance in King of Prussia?
|Area||Average Monthly Car Insurance Premium|
|King of Prussia||$68|
Looking at the chart above, you can see that the average monthly price is about the same in King of Prussia as it is in the rest of Pennsylvania.
Compared to the national average cost of auto insurance coverage, King of Prussia has lower rates. You can expect to pay about $13 less for your policy in King of Prussia than in the rest of U.S.
Keep in mind that these are the average auto insurance rates for King of Prussia, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down the average rate for King of Prussia residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay about $16 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates begin to go back up once you hit retirement in King of Prussia.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In King of Prussia, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay much less than those with accidents or violations. In King of Prussia, a driving record with a single accident will usually get you a rate around $86 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $84.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$58|
|15 Years or Older||$64|
The most affordable vehicles to insure in King of Prussia are usually SUVs, which run about $55 per month.
Truck and van drivers will see rates of about $59, while the rates for car owners average out to about $71 a month.
Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive 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 King of Prussia are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
More often than not, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in King of Prussia can be as much as $23 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||$89|
Your housing situation is another factor that affects your monthly rate. Whether rent your home or own property in King of Prussia, you can expect to pay around $69 per month.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in King of Prussia, PA
Recent trends in car insurance for King of Prussia drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In King of Prussia, the rates for car insurance dropped from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $60 per month
How does King of Prussia compare to neighboring areas?
Why are car insurance rates in King of Prussia different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Regional crime rates
- Off-street parking accessibility
- Rate of car accidents
- Number of drivers in the region
- Regional laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 King of Prussia?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in King of Prussia.
King of Prussia Insurance FAQs
What factors affect car insurance quotes in King of Prussia?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in King of Prussia different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 King of Prussia?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 King of Prussia?
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?
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 King of Prussia 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.