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How much is car insurance in Morrisville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Morrisville typically costs about $4 a month less than it does in the rest of Pennsylvania.
Similarly, when compared to the national average, the cost for auto insurance in Morrisville is lower. It's around $14 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for Morrisville, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Morrisville residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may start to rise again in Morrisville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This rings true in Morrisville, where women pay around $9 less per month than men. As illustrated in the table above, female drivers in the area pay about $61 on average, while male drivers pay around $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Morrisville with a single accident will pay around $74 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $95 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$72|
|15 Years or Older||$62|
If you look at the first table above, the cheapest vehicles to insure in Morrisville are typically trucks and vans, at $54 per month.
SUV drivers will see rates of about $70, while the rates for car owners average out to about $68 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Morrisville, 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)||$70|
Generally speaking, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Morrisville follows that pattern, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
One other element taken into consideration is your housing situation. Renters can expect to pay around $16 a month less than those who own their own home in Morrisville. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Morrisville, PA
Recent trends in car insurance for Morrisville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The cost of insurance in Morrisville decreased from 2017-2020, before leveling out in 2021. Insurance rates finished up in 2022, at $63 per month
How does Morrisville compare to neighboring areas?
Why are car insurance rates in Morrisville different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Regional crime rates
- Total number of drivers in the area
- Road Safety (how many accidents each locality has)
- Amount of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 Morrisville?
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.
Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Morrisville.
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Morrisville Insurance FAQs
What factors affect car insurance quotes in Morrisville?
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 Morrisville different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Morrisville?
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 Morrisville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Morrisville 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?
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