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How much is car insurance in Stroudsburg?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Stroudsburg is about $8 cheaper than it is in the rest of Pennsylvania.
Similarly, the expected monthly payments for an auto insurance policy in Stroudsburg are below the national average. You can expect to pay about $17 less for your policy in Stroudsburg than in the rest of U.S.
Bear in mind that while these rates are the average costs for residents of Stroudsburg, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Stroudsburg so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Stroudsburg may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Stroudsburg, where women pay around $4 less a month. As illustrated in the table above, female drivers in the area pay about $61 on average, while male drivers pay around $65 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. In Stroudsburg, drivers with one accident on their record will experience rates around $68 a month. In addition, drivers with a single ticket on their record can expect to pay around $170 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$66|
As you can see in the first table above, the cheapest vehicles to insure in Stroudsburg are typically SUVs, which run about $62 per month.
Car owners will see rates of about $63, while truck and van owners usually pay around $65 per month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Stroudsburg are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
On average, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
In Stroudsburg, the difference in rates based on relationship status can be as much as $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Another factor taken into consideration is your living situation. Homeowners in Stroudsburg can expect to pay around $13 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Stroudsburg, PA
Recent trends in car insurance for Stroudsburg drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Stroudsburg, car insurance rates dropped steadily from 2016 through the present, where they reached $49 a month in 2021.
How does Stroudsburg compare to neighboring areas?
Why are car insurance rates in Stroudsburg different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (total number of local car accidents)
- Total amount of drivers in the area
- Area crime rates
- Local regulations
- Off-street parking accessibility
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. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Stroudsburg?
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.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Stroudsburg.
Stroudsburg Insurance FAQs
What factors affect car insurance quotes in Stroudsburg?
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 credit score, address, marital status and driving record.
Why is the cost of car insurance in Stroudsburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Stroudsburg?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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. 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?