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How much is car insurance in Mechanicsburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Mechanicsburg typically costs about $24 a month less than it does in the rest of Pennsylvania.
Similarly, car insurance rates in Mechanicsburg are more affordable than the national average. You can expect to pay about $34 below the national average for auto insurance in Mechanicsburg.
Although these are the average rates for auto insurance in Mechanicsburg, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Mechanicsburg and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates begin to increase again once you hit retirement in Mechanicsburg.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Mechanicsburg, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Mechanicsburg with a single accident will pay around $65 a month. Likewise, drivers with one ticket will be looking at a rate of around $53 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$43|
The cheapest vehicles to insure in Mechanicsburg are typically SUVs, with each type typically costing about $33 per month.
Truck and van drivers will see rates of about $58, while the rates for SUV owners average out to about $33 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Mechanicsburg, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
On average, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Mechanicsburg is no exception, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Another factor taken into consideration is your living situation. Homeowners in Mechanicsburg can expect to pay around $5 a month less than those who rent. 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 Mechanicsburg, PA
Recent trends in car insurance for Mechanicsburg 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.
Car insurance rates in Mechanicsburg have been mixed recently. They decreased in 2017, increased in 2019, and dropped again in 2021, before finishing at $34 in 2022.
How does Mechanicsburg compare to neighboring areas?
Why are car insurance rates in Mechanicsburg different from other areas?
Car insurance companies will take into account numerous factors when deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Road safety
- Number of drivers
- Off-street parking availability
- Area laws
- Crime levels
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Mechanicsburg?
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 on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Mechanicsburg.
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Mechanicsburg Insurance FAQs
What factors affect car insurance quotes in Mechanicsburg?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Mechanicsburg different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Mechanicsburg?
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 Mechanicsburg?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Mechanicsburg 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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