Table of contents
How much is car insurance in Willow Grove?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Willow Grove as it does in the rest of Pennsylvania.
Drivers relocating from out of state may enjoy some cost savings in Willow Grove. The average monthly payment in Willow Grove is about $9 less than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Willow Grove, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Willow Grove residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Willow Grove drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Willow Grove, the difference is around $15 a month. As illustrated in the table above, female drivers in the area pay about $64 on average, while male drivers pay around $79 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Willow Grove with one accident will pay around $84 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $27.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$56|
According to the first table above, cars, trucks, and vans are usually the cheapest vehicles to insure in Willow Grove, with drivers paying around $71 per month for auto insurance.
SUV owners, meanwhile, pay on average $72 per month for insurance.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are 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 eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
The difference in rates based on relationship status in Willow Grove is about $23 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $7 a month more than homeowners in Willow Grove. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 car insurance premiums.
Car Insurance Companies in Willow Grove, PA
Recent trends in car insurance for Willow Grove drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
The rates for auto insurance in Willow Grove decreased from 2016-2018, when they reached a low of $41. This changed in 2019, when rates began to increase. This trend has continued through the present, where rates recently hit $83.
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 coverage, car insurance companies will review many factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Local regulations
- Number of drivers in the community
- Local crime rates
- Road Safety (total number of local car accidents)
- Access to 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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Willow Grove?
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 hold on! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on 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?
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 Willow Grove different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Willow Grove?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Willow Grove?
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, 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 Willow Grove 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.