Table of contents
How much is car insurance in Wilkes Barre?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $12 a month cheaper to insure your vehicle in Wilkes Barre than it is in the rest of Pennsylvania.
Likewise, when compared to the national average, the cost for auto insurance in Wilkes Barre is lower. It's around $21 less to insure your vehicle compared to the average rate for the United States as a whole.
While these numbers represent the average monthly payments for coverage in Wilkes Barre, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Wilkes Barre to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up a bit in Wilkes Barre.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Wilkes Barre, where female drivers pay around $4 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Wilkes Barre, drivers with one accident on their record will experience rates around $62 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $72.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$57|
The most affordable vehicles to insure in Wilkes Barre are typically trucks and vans, which run about $56 per month.
Meanwhile, Wilkes Barre drivers who own a car or SUV can expect to pay about $59 for insurance.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most 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, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
As you can see in the table above, married couples pay about the same rate as single drivers in Wilkes Barre.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Another factor taken into consideration is your living situation. If you rent your home or apartment in Wilkes Barre, expect to pay around $6 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Wilkes Barre, PA
Recent trends in car insurance for Wilkes Barre drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Wilkes Barre declined from 2018-2020, before steadying out in 2021. They finished up in 2021, at $59 a month
How does Wilkes Barre compare to neighboring areas?
Why are car insurance rates in Wilkes Barre different from other areas?
Car insurance companies look at numerous factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers in the area
- Road safety
- Community regulations
- Amount of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Wilkes Barre?
Arming 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 does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Wilkes Barre.
Wilkes Barre Insurance FAQs
What factors affect car insurance quotes in Wilkes Barre?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
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 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 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?