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How much is car insurance in Norristown?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Norristown as it does in the rest of Pennsylvania.
That being said, when compared to the national average, the cost for auto insurance in Norristown is lower. You can expect to pay about $7 below the national average for auto insurance in Norristown.
While these are the average costs to insure your vehicle in Norristown, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Norristown to help you understand what your monthly premium might be. 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|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay around $18 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may rise again in Norristown.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Norristown is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. Drivers in Norristown with a single accident will pay around $79 a month. In addition, drivers with one ticket can expect to pay around $77 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$73|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Norristown, with drivers paying around $60 per month to insure their vehicle.
SUV drivers will see rates of about $62, while the rates for car owners average out to about $78 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Norristown, vehicles 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)||$75|
Overall, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Norristown is about $8 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than if you own your own home in Norristown. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Norristown, PA
Recent trends in car insurance for Norristown drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Norristown, the rates for auto insurance had been decreasing from 2017-2018, when they reached a low of $60, but began to increase from 2019-2021. They finished down in 2022, at $61.
How does Norristown compare to neighboring areas?
Why are car insurance rates in Norristown different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Rate of crime
- Amount of off-street parking
- Road Safety (frequency of car accidents)
- Number of drivers in the area
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Norristown?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, 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 many of the car insurance companies that offer policies in Norristown.
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Norristown Insurance FAQs
What factors affect car insurance quotes in Norristown?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Norristown different from other neighboring cities?
Crime rates, parking situations, 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 Norristown?
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 Norristown?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Norristown or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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