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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 car insurance rates in Morrisville are in line with rates across the rest of Pennsylvania.
When stacked up against the national average, the average monthly policy payment for Morrisville is more affordable. You can expect to pay about $12 below the national average for auto insurance in Morrisville.
Although these are the average rates for auto insurance in Morrisville, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Morrisville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Morrisville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Morrisville, the difference comes out to about $8 per month. Based on the chart above, you can see that male drivers pay $71 on average, while female drivers typically pay $63 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Morrisville with a single accident will pay around $67 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $184 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$37|
|15 Years or Older||$69|
In Morrisville, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $55 per month for insurance.
Car owners will see a monthly rate of about $71, while SUV owners usually pay around $62 a month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. 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)||$73|
Overall, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Morrisville is no exception, with the difference totaling to around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $21 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.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Morrisville, PA
Recent trends in car insurance for Morrisville 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.
In Morrisville, the rates for auto insurance increased from 2016-2017, but began to turn downward in 2018. This pattern has continued through 2021 when rates have most recently hit $49.
How does Morrisville compare to neighboring areas?
Why are car insurance rates in Morrisville different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Total number of drivers in the community
- Regional crime rates
- Area regulations
- Road Safety (total number of local car accidents)
- Off-street parking access
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. 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?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Morrisville in no time.
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 you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Morrisville different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Morrisville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Morrisville?
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?
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 Morrisville 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.