Table of contents
How much is car insurance in Pottsville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $22 a month cheaper to insure your vehicle in Pottsville than it is in the rest of Pennsylvania.
Likewise, car insurance rates in Pottsville are often favorable when viewed against the rest of the country. Auto insurance coverage in Pottsville is about $31 cheaper than it is for the rest of the United States.
While these numbers are the average rates for auto insurance in Pottsville, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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.
But don't worry, we've broken down average rates for Pottsville residents so that you can get a more accurate idea of what you might pay. 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|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may begin to increase again in Pottsville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Pottsville, where female drivers pay around $6 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Pottsville, having a single accident on your record will usually get you rates around $52 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $72.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$44|
In Pottsville, the cheapest vehicles to insure are by and large cars, with drivers paying around $46 per month for insurance coverage.
SUV owners will see rates of about $56, while truck and van owners typically pay around $47 a month.
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 be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Pottsville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Pottsville is about $10 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||$55|
Another factor that comes into play is your living situation. Homeowners and renters alike can expect to pay about $49 per month for coverage in Pottsville.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Pottsville, PA
Recent trends in car insurance for Pottsville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Insurance rates in Pottsville have been mixed recently. They rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $52 in 2021.
How does Pottsville compare to neighboring areas?
Why are car insurance rates in Pottsville different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers in the community
- General road safety (how many accidents each locality has)
- Area regulations
- Off-street parking access
- Crime levels
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Pottsville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Pottsville.
Pottsville Insurance FAQs
What factors affect car insurance quotes in Pottsville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Pottsville different from other neighboring cities?
Things like local laws, parking situations, 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 Pottsville?
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 Pottsville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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 Pottsville 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?