At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Wilkes Barre?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $11 a month cheaper to insure your vehicle in Wilkes Barre than it is in the rest of Pennsylvania.
When stacked up against the national average, the average monthly policy payment for Wilkes Barre is more affordable. The average monthly payment in Wilkes Barre is about $21 cheaper than the rate for the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Wilkes Barre residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Find your best rate in just a few minutes
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $37 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may climb back up in Wilkes Barre.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Wilkes Barre, although men do pay a bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Wilkes Barre, having a single accident on your record will usually get you rates around $63 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $64.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$55|
In terms of affordable coverage, the cheapest vehicles to insure in Wilkes Barre are typically trucks and vans, at $53 per month.
Car and SUVs, however, both cost about the same amount for auto insurance -- around $60 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally 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. In Wilkes Barre, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
While married drivers normally pay less than single drivers, in Wilkes Barre both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
One other element taken into consideration is your housing status. Drivers who own property in Wilkes Barre can expect to pay around $5 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 Wilkes Barre, PA
Recent trends in car insurance for Wilkes Barre 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 auto insurance in Wilkes Barre declined from 2017-2020, before steadying out in 2021. They finished down in 2022, at $57 a month
How does Wilkes Barre compare to neighboring areas?
Why are car insurance rates in Wilkes Barre different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Number of drivers in the region
- Area crime rates
- Number of car accidents
- Area laws
- Off-street parking access
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Wilkes Barre?
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.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Wilkes Barre.
Find your best rate in just a few minutes
Wilkes Barre Insurance FAQs
What factors affect car insurance quotes in Wilkes Barre?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Wilkes Barre different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Wilkes Barre?
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 Wilkes Barre?
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 Wilkes Barre 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?
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes