Lansdowne, PA Car Insurance

Drivers in Lansdowne pay around $106 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates can residents of Lansdowne expect to pay for their car insurance? How does Lansdowne compare to the surrounding area and the rest of Pennsylvania? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Lansdowne?

Area Average Monthly Car Insurance Premium
Lansdowne$106
PA$71
United States$81

Coverage for your vehicle in Lansdowne will typically run you about $35 a month more than in the rest of Pennsylvania.

If you're considering relocating to Lansdowne from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Lansdowne is about $25 more expensive than the national average.

While these are the average monthly costs for auto insurance coverage in Lansdowne, 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 insure your vehicle. 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 policy payment.

Don't sweat it however, we've broken down average rates for Lansdowne residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$154
25-34$103
35-44$83
45-54Not Enough Data
55-64$96
65+$148

It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Lansdowne may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$111
Female$99

Car insurance rates for women are generally cheaper than they are for men. The difference in Lansdowne is about $12 per month. As illustrated in the table above, female drivers in the area pay about $99 on average, while male drivers pay around $111 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$133
Multiple Accidents$105
1 Ticket$101
Multiple Tickets$127

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Lansdowne, a driving record with one accident will usually get you a rate around $133 a month. In addition, drivers with a single ticket on their record can expect to pay around $101 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$103
2-3 Years$143
4-5 Years$91
6-7 Years$92
8-10 Years$110
11-14 Years$104
15 Years or Older$109

The cheapest vehicles to insure in Lansdowne are by and large SUVs, with each type typically costing about $94 per month.

Truck and van drivers will see rates of about $130, while the rates for car owners average out to about $107 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Lansdowne, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$105
Married$121
Divorced$92
Widowed$85

Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Lansdowne follows that pattern, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$109
Rent$106
Live with parents$107

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 less than homeowners in Lansdowne. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Lansdowne, PA

Recent trends in car insurance for Lansdowne 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.

The cost of car insurance in Lansdowne decreased from 2017-2018, before steadying out in 2019. Policy premiums finished down in 2022, at $93 per month

How does Lansdowne compare to neighboring areas?

Why are car insurance rates in Lansdowne different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Total number of drivers
  • Access to off-street parking
  • Road safety
  • Local laws
  • Crime

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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 Lansdowne?

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.

But wait! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Lansdowne.

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Lansdowne Insurance FAQs

What factors affect car insurance quotes in Lansdowne?

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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Lansdowne different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Lansdowne?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Lansdowne?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?

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 Lansdowne 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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