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How much is car insurance in Pottsville?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Pottsville is about $24 a month cheaper than it is for the rest of Pennsylvania.
If you're thinking of moving to Pottsville from out of state, you may still be in luck. On average, it's about $34 less to insure your vehicle in Pottsville than it is in the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car 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.
But don't worry, we've broken down the average rates for Pottsville residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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 behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates begin to increase again once you hit retirement age in Pottsville.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Pottsville, although men do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Pottsville with a single accident on their record is about $52 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $66.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$19|
|15 Years or Older||$46|
According to the first table above, the cheapest vehicles to insure in Pottsville are typically cars, at $44 per month.
SUV owners will see rates of about $51, while truck and van owners usually pay around $46 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Pottsville, 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)||$49|
Generally, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Pottsville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$58|
Another factor taken into consideration is your living situation. Whether rent your home or own property in Pottsville, you can expect to pay around $47 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
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 selecting an auto insurance policy.
Auto insurance rates in Pottsville had been decreasing from 2017-2019, when they hit a low of $40, but started to rise from 2020-2021. They finished down in 2022, at $45.
How does Pottsville compare to neighboring areas?
Why are car insurance rates in Pottsville different from other areas?
Car insurance companies will take into account a variety of factors when deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Community regulations
- Number of drivers in the community
- Access to off-street parking
- Road Safety (total number of local car accidents)
- Local crime rates
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. 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Pottsville.
Pottsville Insurance FAQs
What factors affect car insurance quotes in Pottsville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Pottsville 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
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?
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Pottsville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.