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How much is car insurance in Mckeesport?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Mckeesport is about $13 cheaper than it is in the rest of Pennsylvania.
Compared to the national average cost of auto insurance coverage, Mckeesport has lower rates. On average, it's about $23 less to insure your vehicle in Mckeesport than it is in the rest of the U.S.
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 bill 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.
But worry not, we've done the heavy lifting and broken down the average rate for Mckeesport to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Mckeesport.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance coverage, Mckeesport actually bucks this trend. While female drivers pay $60 a month to insure their car, males only pay about $56.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Mckeesport with a single accident on their record is about $55 a month. Likewise, drivers with one ticket will be looking at a rate of around $72 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$31|
|15 Years or Older||$57|
As you can see in the first table above, the cheapest vehicles to insure in Mckeesport are typically SUVs, which run about $49 per month.
Car owners, on the other hand, by and large pay around $61 per month, while truck and van drivers can expect to pay about $55 a month for auto insurance.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Mckeesport, vehicles two-to-three years old and eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Mckeesport as well, where the difference is around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your housing status is another factor that affects your monthly rate. In Mckeesport, homeowners can expect to pay around $14 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 Mckeesport, PA
Recent trends in car insurance for Mckeesport drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of auto insurance in Mckeesport declined from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $54 per month
How does Mckeesport compare to neighboring areas?
Why are car insurance rates in Mckeesport different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Area regulations
- Road safety
- Amount of off-street parking
- Crime rates
- Total amount of drivers in the area
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Mckeesport?
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.
Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Mckeesport.
Mckeesport Insurance FAQs
What factors affect car insurance quotes in Mckeesport?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Mckeesport different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Mckeesport?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Mckeesport?
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Mckeesport or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?