Table of contents
How much is car insurance in King of Prussia?
|Area||Average Monthly Car Insurance Premium|
|King of Prussia||$68|
Based on the chart above, you can see that car insurance rates in King of Prussia are in line with rates across the rest of Pennsylvania.
Likewise, car insurance rates in King of Prussia are more affordable than the national average. The average monthly payment in King of Prussia is about $12 cheaper than the rate for the rest of the United States.
Although these are the average car insurance rates in King of Prussia, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for King of Prussia and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $13 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates rise again once you hit retirement age in King of Prussia.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in average rates in King of Prussia totals about $6 per month. As illustrated in the table above, male drivers in the area pay about $69 on average, while female drivers pay around $63 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in King of Prussia with a single accident on their record is about $81 a month.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$65|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in King of Prussia, with drivers paying around $46 per month to insure their vehicle.
Car owners will see a monthly premium of about $70, while SUV owners usually pay around $56 a month.
Vehicle age has an impact on the cost of your policy as well. 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. 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|
Generally speaking, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
According to the table above, the difference in rates based on relationship status in King of Prussia can be as much as $23 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Another factor taken into consideration is your housing status. In King of Prussia, homeowners can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance 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 insurance provider.
The cost of car insurance in King of Prussia increased from 2016-2017, before steadying out in 2018. Insurance rates finished up in 2021, at $72 per month
How does King of Prussia compare to neighboring areas?
Why are car insurance rates in King of Prussia different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
- Amount of drivers
- Community laws
- Area crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of 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 King of Prussia?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies providing 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 gender and age 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?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 King of Prussia?
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 King of Prussia?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to King of Prussia or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.