Table of contents
How much is car insurance in McKeesport?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| McKeesport | $57 |
| PA | $71 |
| United States | $80 |
Compared to the rest of Pennsylvania, coverage in McKeesport is about $14 a month cheaper.
If you're thinking of moving to McKeesport from out of state, you may still be in luck. The average monthly payment in McKeesport is about $23 cheaper than the rate for the rest of the United States.
While these numbers are the average rates for auto insurance in McKeesport, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for McKeesport to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $84 |
| 25-34 | $60 |
| 35-44 | $53 |
| 45-54 | Not Enough Data |
| 55-64 | $50 |
| 65+ | $57 |
Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates begin to go back up in McKeesport.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $57 |
| Female | $57 |
Car insurance rates for women are generally cheaper than they are for men. In McKeesport, however, male and female drivers both pay, on average, $57 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $58 |
| Multiple Accidents | $48 |
| 1 Ticket | Not Enough Data |
| Multiple Tickets | $129 |
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in McKeesport with a single accident on their record is about $58 a month.
When it comes to your monthly premium, 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 | $31 |
| 2-3 Years | $54 |
| 4-5 Years | $50 |
| 6-7 Years | $53 |
| 8-10 Years | $64 |
| 11-14 Years | $63 |
| 15 Years or Older | $52 |
As you can see in the first table above, the cheapest vehicles to insure in McKeesport are by and large trucks and vans, which run about $52 per month.
SUV drivers will see rates of about $55, while the rates for car owners average out to about $58 per month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In McKeesport, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $57 |
| Married | $57 |
| Divorced | $60 |
| Widowed | $38 |
Overall, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
While married drivers normally pay less for auto insurance than single drivers, McKeesport bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $54 |
| Rent | $62 |
| Live with parents | $56 |
One other element taken into consideration is your living situation. Those who own their own home in McKeesport can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in McKeesport, PA
Recent trends in car insurance for McKeesport drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The cost of auto insurance in McKeesport rose from 2016-2017, before steadying out in 2018. Car insurance rates finished up in 2021, at $54 a month
How does McKeesport compare to neighboring areas?
Why are car insurance rates in McKeesport different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Amount of drivers
- Frequency of car accidents
- Off-street parking accessibility
- Crime
- Community laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in McKeesport?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in McKeesport.
McKeesport Insurance FAQs
What factors affect car insurance quotes in McKeesport?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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 McKeesport different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in McKeesport?
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 McKeesport?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Mckeesport 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.