Stroudsburg, PA Car Insurance

On average, drivers in Stroudsburg pay around $65 per month for their car insurance. Learn more in our handy guide below.
What can Stroudsburg residents expect to pay for their car insurance? How does Stroudsburg compare to the surrounding area and the rest of Pennsylvania? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Stroudsburg?

Area Average Monthly Car Insurance Premium
Stroudsburg$65
PA$71
United States$81

Compared to the rest of the Pennsylvania, coverage in Stroudsburg is about $6 a month cheaper.

Likewise, car insurance rates in Stroudsburg are often favorable when viewed against the rest of the country. The average monthly payment in Stroudsburg is about $16 cheaper than the rate for the rest of the United States.

These may be the average auto insurance rates for Stroudsburg, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Stroudsburg residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$141
18-24$85
25-34$60
35-44$67
45-54Not Enough Data
55-64$56
65+$50

It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement age in Stroudsburg.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$63

Car insurance rates for women are generally cheaper than they are for men. This rings true in Stroudsburg, where women pay around $4 less per month than men. Based on the chart above, you can see that male drivers pay $67 on average, while female drivers typically pay $63 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$91
1 Ticket$103
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Stroudsburg with a single accident on their record is about $68 a month. Likewise, drivers with one ticket will be looking at a rate of around $103 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$50
4-5 Years$68
6-7 Years$60
8-10 Years$68
11-14 Years$61
15 Years or Older$68

As you can see in the first table above, the cheapest vehicles to insure in Stroudsburg are usually trucks and vans, which run about $54 per month.

SUV drivers will see rates of about $68, while the rates for car owners average out to about $65 per month.

The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Stroudsburg are vehicles fifteen years and older and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$54
Divorced$54
Widowed$44

More often than not, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Stroudsburg is no exception, with the difference totaling to around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$66
Live with parents$73

Your living situation is another component of how insurance companies calculate your monthly rate. In Stroudsburg, homeowners can expect to pay around $15 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 Stroudsburg, PA

Recent trends in car insurance for Stroudsburg drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

In Stroudsburg, the rates for auto insurance decreased from 2017-2020, when they hit a low of $56. This pattern leveled out in 2021, when they began to rise, and have continued to do so through the present, where insurance rates finished at $77 a month.

How does Stroudsburg compare to neighboring areas?

Why are car insurance rates in Stroudsburg different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Rate of car accidents
  • Community regulations
  • Amount of off-street parking
  • Area crime rates
  • Total amount of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Stroudsburg?

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 hold on! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer policies in Stroudsburg.

Compare the cheapest quotes from dozens of insurance companies

Stroudsburg Insurance FAQs

What factors affect car insurance quotes in Stroudsburg?

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 credit score, address, marital status and driving record.

Why is the cost of car insurance in Stroudsburg 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 Stroudsburg?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Stroudsburg?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Stroudsburg 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?

Find your best rate in just a few minutes