Lansdale, PA Car Insurance

What rates can residents of Lansdale expect to pay for their car insurance? Compared to their surrounding area, how do rates in Lansdale stack up? What about against the rest of Pennsylvania? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Lansdale?

Auto insurance coverage in Lansdale is about $8 cheaper than it is in the rest of Pennsylvania.

Likewise, car insurance rates in Lansdale are often favorable when viewed against the rest of the country. On average, it's about $18 less to insure your vehicle in Lansdale than it is in the rest of the United States.

While these numbers are the average rates for auto insurance in Lansdale, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't sweat it however, we've broken down the average rate for Lansdale residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement age in Lansdale.

Average Car Insurance Rates by Gender

Although women typically pay less than men do for car insurance coverage, this is not the case in Lansdale, where female drivers pay around $65 per month while male drivers pay about $61.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Lansdale with a single accident on their record will usually see rates around $69 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $49 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Lansdale are typically SUVs, at $49 per month.

Car owners will see rates of about $70, while truck and van owners usually pay around $52 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are 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. In Lansdale, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

On average, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Lansdale, with married couples paying about $6 less per month.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Lansdale, expect to pay around $11 a month more than if you are a homeowner. 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 average premiums, depending on your insurance company.

Car Insurance Companies in Lansdale, PA

Recent trends in car insurance for Lansdale drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The rates for car insurance in Lansdale declined from 2017-2018, when they hit a low of $58. This leveled out in 2019, when policy premiums started to rise. They reached a high of $74 in 2020, and finished up in 2022, at $60 a 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 an insurance policy, car insurance companies will evaluate many factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

• Community laws
• Amount of off-street parking
• Local crime rates
• Total number of drivers in the region
• Road Safety (how many accidents each locality has)

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great 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.

Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Lansdale.

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Lansdale Insurance FAQs

What factors affect car insurance quotes in Lansdale?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Lansdale 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 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.