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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 $24 a month more expensive than it is in Williamsport.
Compared to the national average cost of auto insurance coverage, Williamsport has lower rates. It's about $33 cheaper than the national average to insure your vehicle in Williamsport.
While these are the average car insurance rates for Williamsport, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 the average rates for Williamsport to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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 experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may climb back up a bit in Williamsport.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Williamsport, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Williamsport, having a single accident on your record will usually get you rates around $59 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $45.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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|
|2-3 Years||Not Enough Data|
|15 Years or Older||$43|
The cheapest vehicles to insure in Williamsport are by and large SUVs, trucks, and vans, with each type typically costing about $44 per month.
Car owners, however, pay about $49 per month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Williamsport, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Williamsport as well, where the difference is around $6 a 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. Those who own their own home in Williamsport can expect to pay around $1 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Williamsport, PA
Recent trends in car insurance for Williamsport drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of auto insurance coverage in Williamsport decreased from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $47.
How does Williamsport compare to neighboring areas?
Why are car insurance rates in Williamsport different from other areas?
There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional laws
- General road safety (how many accidents each locality has)
- Area crime rates
- Off-street parking access
- Total number of drivers in the area
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Williamsport?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Williamsport.
Williamsport Insurance FAQs
What factors affect car insurance quotes in Williamsport?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Williamsport different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Williamsport?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Williamsport?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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.