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How much is car insurance in Whitehall?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month cheaper to insure your vehicle in Whitehall than it is in the rest of Pennsylvania.
Compared to the national average cost of auto insurance coverage, Whitehall has lower rates. The average monthly payment in Whitehall is about $16 less than the rate for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Whitehall, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Whitehall to help you understand what your monthly premium might be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates begin to go back up in Whitehall.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Whitehall, where female drivers pay around $11 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Whitehall with a single accident on their record will usually see rates around $78 a month. Similarly, drivers with one ticket will typically pay around $70 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$58|
If you look at the first table above, the cheapest vehicles to insure in Whitehall are by and large SUVs, at $57 per month.
Car owners will see rates of about $68, while truck and van owners typically pay around $76 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Whitehall, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
The cost of auto insurance in Whitehall reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 less than those who own their own home in Whitehall. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Whitehall, PA
Recent trends in car insurance for Whitehall drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of auto insurance coverage in Whitehall decreased from 2016-2018, but started to rise in 2020. This pattern has continued and insurance rates reached a high of $91 per month in 2021.
How does Whitehall compare to neighboring areas?
Why are car insurance rates in Whitehall different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Regional crime rates
- Regional regulations
- Road Safety (how many accidents each locality has)
- Number of drivers
- 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. Knowing 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 Whitehall?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Whitehall.
Whitehall Insurance FAQs
What factors affect car insurance quotes in Whitehall?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Whitehall different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Whitehall?
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 Whitehall?
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?
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 Whitehall 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.