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How much is car insurance in Phoenixville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Phoenixville than it is in the rest of Pennsylvania.
When stacked up against the national average, the average monthly policy payment for Phoenixville is more affordable. Car insurance rates for the United States as a whole are, on average, $14 more expensive than the rates you'd pay in Phoenixville.
While these are the average car insurance rates for Phoenixville, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Phoenixville so that you can get a more accurate idea of what your policy will cost you. 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Phoenixville.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Phoenixville goes against the grain. Female drivers typically pay around $10 more per month to insure their car than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Phoenixville, having a single accident on your record will usually get you rates around $57 a month. In addition, drivers with a single ticket on their record can expect to pay around $135 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$63|
In Phoenixville, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $47 per month for auto insurance coverage.
Car owners can expect to pay an average of around $73 a month for their policy, while SUVs usually cost around $53 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Phoenixville are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Phoenixville.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Phoenixville. 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 Phoenixville, PA
Recent trends in car insurance for Phoenixville 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.
In Phoenixville, the rates for car insurance declined from 2017-2018, before steadying out in 2019. Rates have been decreasing again recently, and were down to $43 in 2022.
How does Phoenixville compare to neighboring areas?
Why are car insurance rates in Phoenixville different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Local regulations
- Number of car accidents
- Prevalence of crime
- Access to off-street parking
- Total drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Phoenixville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Phoenixville.
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Phoenixville Insurance FAQs
What factors affect car insurance quotes in Phoenixville?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Phoenixville different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Phoenixville?
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 Phoenixville?
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. 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 Phoenixville 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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