State College, PA Car Insurance

On average, State College drivers pay around $41 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How does State College compare to the surrounding area and the rest of Pennsylvania? How much can residents of State College expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in State College?

Area Average Monthly Car Insurance Premium
State College$41
PA$71
United States$81

According to the chart above, the average cost of auto insurance in Pennsylvania is about $30 a month more expensive than it is in State College.

Likewise, the expected monthly payments for an auto insurance policy in State College are below the national average. The average monthly payment for the United States as a whole is about $40 more expensive than in State College.

While these are the average costs to insure your vehicle in State College, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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.

But don't worry, we've broken down the average rates for State College residents based on several different factors 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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$53
25-34$36
35-44$31
45-54Not Enough Data
55-64$30
65+$33

The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. State College drivers may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$40
Female$43

On average, female drivers pay slightly less for car insurance than their male counterparts. In State College, although men do pay a little bit 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
1 Accident$42
Multiple Accidents$57
1 Ticket$46
Multiple Tickets$40

One of the key factors in determining your car insurance rates is your driving record. 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 $42 a month. In addition, drivers with a single ticket on their record can expect to pay around $46 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$48
2-3 Years$34
4-5 Years$40
6-7 Years$52
8-10 Years$37
11-14 Years$40
15 Years or Older$44

The most affordable vehicles to insure in State College are typically trucks and vans, which run about $32 per month.

SUV drivers will see rates of about $38, while the rates for car owners average out to about $42 per month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In State College, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$42
Married$30
Divorced$35
Widowed$37

Overall, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in State College is about $12 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$33
Rent$45
Live with parents$40

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in State College, expect to pay around $12 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in State College, PA

Recent trends in car insurance for State College 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 selecting an auto insurance policy.

The rates for car insurance in State College dropped from 2017-2018, before steadying out in 2019. They finished down in 2022, at $32 a month

How does State College compare to neighboring areas?

Why are car insurance rates in State College different from other areas?

There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

  • Regional regulations
  • Number of drivers in the community
  • Amount of off-street parking
  • Local crime rates
  • General road safety (how many accidents each locality has)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in State College?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in State College.

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State College Insurance FAQs

What factors affect car insurance quotes in State College?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 State College different from other neighboring cities?

Things like crime rates, local laws, and parking situations, 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 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?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to State College or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes