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How much is car insurance in Williamsport?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Pennsylvania is about $25 a month more expensive than it is in Williamsport.
If you're thinking of moving to Williamsport from out of state, you may still be in luck. Car insurance rates for the U.S. as a whole are, on average, $35 more expensive than the rates you'd pay in Williamsport.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Williamsport to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may rise again in Williamsport.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Williamsport, although men do pay a bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Williamsport, a driving record with a single accident will usually get you a rate around $61 a month. Similarly, drivers with one ticket will typically pay around $46 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$44|
If you look at the first table above, the cheapest vehicles to insure in Williamsport are by and large SUVs, at $43 per month.
Car owners will see rates of about $48, while truck and van owners typically pay around $44 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Williamsport, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Williamsport, with married couples paying about $6 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Your living situation is another component of how insurance companies calculate your monthly rate. The average rates for both homeowners and renters in Williamsport are around $45 per month.
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 Williamsport, PA
Recent trends in car insurance for Williamsport 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.
In Williamsport, auto insurance rates went up from 2017-2018 -- where they reached a high of $56 -- before leveling out in 2019. Car insurance rates increased again in 2020, and finished down at $41 in 2022.
How does Williamsport compare to neighboring areas?
Why are car insurance rates in Williamsport different from other areas?
Car insurance companies will take into account many factors when figuring out how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:
- Area crime rates
- Rate of car accidents
- Total amount of drivers in the community
- Access to off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Williamsport?
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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Williamsport.
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Williamsport Insurance FAQs
What factors affect car insurance quotes in Williamsport?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Williamsport different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Williamsport?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Williamsport?
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 Williamsport 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.
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