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How much is car insurance in Pottstown?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Pottstown is about $7 cheaper than it is in the rest of Pennsylvania.
Similarly, car insurance rates in Pottstown are often favorable when viewed against the rest of the country. The average monthly payment for the U.S. as a whole is about $17 more expensive than in Pottstown.
Although these are the average rates for auto insurance in Pottstown, it's important to remember that 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. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've broken down average rates for Pottstown to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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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 more experience you have as a driver. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $50 more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Pottstown drivers may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Pottstown, the difference is around $4 a month. As illustrated in the table above, male drivers in the area pay about $66 on average, while female drivers pay around $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay a lot less than those with accidents or violations. The rate for drivers in Pottstown with a single accident on their record is about $78 a month. In addition, drivers with a single ticket on their record can expect to pay around $52 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||$67|
|15 Years or Older||$59|
The most affordable vehicles to insure in Pottstown are usually SUVs, which run about $56 per month.
Car owners can expect to pay an average of around $68 a month for their policy, while truck and van drivers are usually around $59 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Pottstown, 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)||$67|
The difference in rates based on relationship status in Pottstown can be as much as $16 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Your housing situation is another factor that affects your monthly rate. In Pottstown, homeowners can expect to pay around $17 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Pottstown, PA
Recent trends in car insurance for Pottstown drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Pottstown, the rates for auto insurance increased from 2017-2019, when they reached a low of $50. This changed in 2020, when insurance rates began to increase. They hit a high of $74 in 2021, and finished down in 2022, at $53 per month.
How does Pottstown compare to neighboring areas?
Why are car insurance rates in Pottstown different from other areas?
There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Road Safety (frequency of car accidents)
- Total drivers
- Access to off-street parking
- Regional regulations
- Area crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Pottstown?
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.
Fortunately, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Pottstown in no time.
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Pottstown Insurance FAQs
What factors affect car insurance quotes in Pottstown?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Pottstown 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 Pottstown?
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 Pottstown?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Pottstown or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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