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How much is car insurance in Marcus Hook?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Pennsylvania are about $13 a month cheaper than the rates drivers pay in Marcus Hook.
Similarly, Marcus Hook residents should prepare to pay higher rates for coverage than the rest of the country. It's around $3 more expensive for coverage in Marcus Hook than the average rates seen in the rest of the U.S.
While these are the average costs to insure your vehicle in Marcus Hook, keep in mind that you could end up paying a different amount. 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.
But don't worry, we've broken down average rates for Marcus Hook residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Marcus Hook drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Marcus Hook, although men do pay a bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Marcus Hook with a single accident will pay around $94 a month. Similarly, drivers with one ticket will typically pay around $70 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$192|
|15 Years or Older||$84|
The cheapest vehicles to insure in Marcus Hook are usually SUVs, with each type typically costing about $77 per month.
Truck and van drivers will see rates of about $89, while the rates for car owners average out to about $86 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Marcus Hook, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Marcus Hook can be as much as $7 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|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $13 a month more than drivers who own property in Marcus Hook. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Marcus Hook, PA
Recent trends in car insurance for Marcus Hook drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Marcus Hook, the rates for car insurance had been increasing from 2017-2018, before leveling out in 2019. Insurance rates went up again, reaching a high of $91 in 2021, and finished down at $58 in 2022.
How does Marcus Hook compare to neighboring areas?
Why are car insurance rates in Marcus Hook different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Amount of off-street parking
- Area regulations
- Regional crime rates
- Amount of drivers in the region
- Frequency of car accidents
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Marcus Hook?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Marcus Hook in no time.
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Marcus Hook Insurance FAQs
What factors affect car insurance quotes in Marcus Hook?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Marcus Hook different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Marcus Hook?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Marcus Hook?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Marcus Hook or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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