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How much is car insurance in Willow Grove?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Willow Grove are about $4 a month more expensive than the rest of Pennsylvania.
Compared to the national average cost of auto insurance coverage, Willow Grove has lower rates. It's about $6 cheaper to insure your vehicle in Willow Grove compared to the average rate for the U.S. as a whole.
Although these are the average car insurance rates in Willow Grove, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't worry, we've done the work for you and broken down average rates for Willow Grove to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to go back up in Willow Grove.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in average rates in Willow Grove totals about $13 a month. Based on the chart above, you can see that male drivers pay $81 on average, while female drivers typically pay $68 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Willow Grove with one accident will pay around $82 a month. In addition, drivers with one ticket can expect to pay around $35 a month on average.
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||$99|
|15 Years or Older||$56|
According to the first table above, the cheapest vehicles to insure in Willow Grove are typically trucks and vans, at $68 per month.
SUV drivers will see rates of about $82, while the rates for car owners average out to about $73 per month.
Your rates can also vary depending on the age of your vehicle. 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 rates drop back down a bit. The most expensive vehicles to insure in Willow Grove are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Willow Grove as well, where the difference is around $26 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than those who own their own home in Willow Grove. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Willow Grove, PA
Recent trends in car insurance for Willow Grove 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.
Car insurance rates in Willow Grove decreased from 2017-2018, when they reached a low of $41. This leveled out in 2019, when policy premiums began to increase. They hit a high of $86 in 2021, and finished down in 2022, at $55 a month.
How does Willow Grove compare to neighboring areas?
Why are car insurance rates in Willow Grove different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Total number of drivers in the community
- Road Safety (frequency of local car accidents)
- Amount of off-street parking
- Community regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Willow Grove?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Willow Grove.
Willow Grove Insurance FAQs
What factors affect car insurance quotes in Willow Grove?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Willow Grove different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 Willow Grove?
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 Willow Grove?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Willow Grove or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.