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How much is car insurance in Lansdale?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Pennsylvania, coverage in Lansdale is about $6 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Lansdale is rather affordable. On average, it's about $15 less to insure your vehicle in Lansdale than it is in the rest of the United States.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for Lansdale residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, 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|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Lansdale.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Lansdale, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Lansdale, a driving record with a single accident will usually get you a rate around $69 a month.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$72|
As you can see in the first table above, the cheapest vehicles to insure in Lansdale are usually SUVs, which run about $48 per month.
Car owners, on the other hand, typically pay around $72 per month, while truck and van drivers can expect to pay about $56 a month for auto insurance coverage.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Lansdale are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
Generally speaking, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Lansdale is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Lansdale can expect to pay around $16 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Lansdale, PA
Recent trends in car insurance for Lansdale 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.
In Lansdale, the rates for car insurance increased from 2019-2020, before steadying out in 2021. Policy premiums finished down in 2021, at $57 per month
How does Lansdale compare to neighboring areas?
Why are car insurance rates in Lansdale different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Amount of drivers
- Off-street parking availability
- Local laws
- Rate of crime
- Rate of car accidents
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 Lansdale?
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.
Fortunately, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering coverage in Lansdale.
Lansdale Insurance FAQs
What factors affect car insurance quotes in Lansdale?
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 driving record, credit score, marital status, and address.
Why is the cost of car insurance in Lansdale different from other neighboring cities?
Things like parking situations, crime rates, 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 Lansdale?
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 Lansdale?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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 Lansdale 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.