Table of contents
How much is car insurance in Marcus Hook?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $14 a month more expensive to insure your vehicle in Marcus Hook than it is in the rest of Pennsylvania.
Similarly, the expected monthly payments for an auto insurance policy in Marcus Hook are above the national average. It's about $5 more for coverage in Marcus Hook than in the rest of the U.S.
While these are the average car insurance rates for Marcus Hook, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Marcus Hook so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay $33 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Marcus Hook drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Marcus Hook, where female drivers pay around $9 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions. The rate for drivers in Marcus Hook with a single accident on their record is about $94 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $132.
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||$192|
|15 Years or Older||$91|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Marcus Hook, with drivers paying around $81 per month for auto insurance.
Car owners can expect to pay an average of around $86 a month for their policy, while truck and van drivers are usually around $103 to insure each month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Marcus Hook, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$88|
The difference in rates based on relationship status in Marcus Hook can be as much as $5 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $14 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.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Marcus Hook, PA
Recent trends in car insurance for Marcus Hook drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Marcus Hook, the rates for car insurance decreased from 2016-2017, but began to increase in 2020. This trend has continued and rates reached a high of $97 per month in 2021.
How does Marcus Hook compare to neighboring areas?
Why are car insurance rates in Marcus Hook different from other areas?
Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:
- Off-street parking access
- Road safety
- Local crime rates
- Amount of drivers
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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.
But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing policies in Marcus Hook.
Marcus Hook Insurance FAQs
What factors affect car insurance quotes in Marcus Hook?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Marcus Hook different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Marcus Hook?
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 Marcus Hook?
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?
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 Marcus Hook 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.