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How much is car insurance in Mechanicsburg?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Pennsylvania, coverage in Mechanicsburg is about $22 a month cheaper.
If you're thinking of moving to Mechanicsburg from out of state, you may still be in luck. Auto insurance coverage in Mechanicsburg is about $31 cheaper than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Mechanicsburg, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't worry, we've done the work for you and broken down average rates for Mechanicsburg to help you get a more accurate idea of what you'll be charged for your policy. 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|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $25 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Mechanicsburg may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Mechanicsburg, the difference is around $4 a month. As illustrated in the table above, male drivers in the area pay about $50 on average, while female drivers pay around $46 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Mechanicsburg, drivers with one accident on their record will experience rates around $68 a month. Likewise, drivers with one ticket will be looking at a rate of around $70 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$43|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Mechanicsburg, with drivers paying around $32 per month to insure their vehicle.
Truck and van drivers will see rates of about $62 for auto insurance, while SUV owners usually pay around $32 per 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. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Mechanicsburg, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Overall, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
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 $8 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 $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Mechanicsburg, PA
Recent trends in car insurance for Mechanicsburg drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for car insurance in Mechanicsburg rose from 2016-2017, before leveling out in 2018. Car insurance rates had been increasing again recently, reaching a high of $69 in 2021.
How does Mechanicsburg compare to neighboring areas?
Why are car insurance rates in Mechanicsburg different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Total number of drivers in the region
- Availability of off-street parking
- Area regulations
- Prevalence of crime
- General road safety (how many accidents each locality has)
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 learn more.
How can I find the cheapest car insurance in Mechanicsburg?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Mechanicsburg.
Mechanicsburg Insurance FAQs
What factors affect car insurance quotes in Mechanicsburg?
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, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Mechanicsburg different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Mechanicsburg?
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 Mechanicsburg?
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Mechanicsburg or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.