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How much is car insurance in State College?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $32 a month cheaper to insure your vehicle in State College than it is in the rest of Pennsylvania.
Compared to the national average cost of auto insurance coverage, State College has lower rates. The average monthly payment for the U.S. as a whole is about $41 more expensive than in State College.
Bear in mind that while these are the average car insurance rates for State College, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car 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 payment amount.
Don't sweat it however, we've broken down average rates for State College residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $15 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Drivers in State College may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In State College, although men do pay slightly less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In State College, a driving record with a single accident will usually get you a rate around $41 a month. In addition, drivers with one ticket can expect to pay around $53 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$47|
If you look at the first table above, the cheapest vehicles to insure in State College are by and large trucks and vans, at $31 per month.
Car owners can expect to pay an average of around $40 a month for their policy, while SUVs usually cost around $38 a month to insure.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In State College, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$40|
Generally, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in State College, with married couples paying about $9 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$42|
Another factor that comes into play is your housing status. If you rent your home or apartment in State College, expect to pay around $9 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.
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 State College, PA
Recent trends in car insurance for State College 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.
The rates for auto insurance in State College decreased from 2016-2018, before leveling out in 2019. They finished up in 2021, at $40 a month
How does State College compare to neighboring areas?
Why are car insurance rates in State College different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Local laws
- Regional crime rates
- Road safety
- Off-street parking availability
- Amount of drivers in the area
An awareness of these factors is important 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 State College?
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 put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in State College.
State College Insurance FAQs
What factors affect car insurance quotes in State College?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in State College 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 State College?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to State College?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to State College 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.