Tobyhanna, PA Car Insurance

On average, Tobyhanna drivers pay a monthly average rate of around $66 for their car insurance. Read our guide below to learn more about your specific rates.
How does Tobyhanna stack up to the rest of the area, or even Pennsylvania as a whole? What rates can residents of Tobyhanna expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Tobyhanna?

Area Average Monthly Car Insurance Premium
Tobyhanna$66
PA$71
United States$81

Looking at the chart above, you can see it's around $5 a month cheaper to insure your vehicle in Tobyhanna than it is in the rest of Pennsylvania.

If you're thinking of moving to Tobyhanna from out of state, you may still be in luck. You can expect to pay about $15 less for your policy in Tobyhanna than in the rest of U.S.

Although these are the average rates for auto insurance in Tobyhanna, it's important to remember that you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Tobyhanna so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$103
25-34$58
35-44$54
45-54$56
55-64$56
65+$66

It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates creep back up in Tobyhanna.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$65

Car insurance rates for men are usually slightly more expensive than they are for women. In Tobyhanna, although women 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
1 Accident$79
Multiple Accidents$76
1 Ticket$57
Multiple Tickets$81

Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Tobyhanna, having a single accident on your record will usually get you rates around $79 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $57 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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$62
2-3 Years$52
4-5 Years$52
6-7 Years$62
8-10 Years$65
11-14 Years$69
15 Years or Older$72

According to the first table above, the cheapest vehicles to insure in Tobyhanna are usually SUVs, at $61 per month.

Truck and van drivers will see rates of about $63 to insure their vehicle, while car owners by and large pay around $68 a month.

Vehicle age has an impact on the cost of your policy as well. 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. The most expensive vehicles to insure in Tobyhanna are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$65
Divorced$50
Widowed$55

Generally speaking, married policyholders will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Tobyhanna are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$65
Live with parents$101

Another factor taken into consideration is your housing situation. In Tobyhanna, homeowners can expect to pay around $12 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Tobyhanna, PA

Recent trends in car insurance for Tobyhanna 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 provider.

Auto insurance rates in Tobyhanna rose from 2017-2018, where they reached a high of $75, before leveling out in 2019. Insurance rates went up again in 2020, and finished down at $66 in 2022.

How does Tobyhanna compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Road safety
  • Crime
  • Availability of off-street parking
  • Local regulations
  • Total number 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 influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Tobyhanna?

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.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Tobyhanna.

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Tobyhanna Insurance FAQs

What factors affect car insurance quotes in Tobyhanna?

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 marital status, credit score, address, and driving record.

Why is the cost of car insurance in Tobyhanna 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 Tobyhanna?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Tobyhanna or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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