Compare Gaines, PA Car Insurance Rates (2021)

Car insurance in Gaines, PA averages $322 a month. Gaines, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Gaines car insurance rates, compare quotes from the top car insurance companies in Gaines, PA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Gaines, PA after a DUI are $4,245/year
  • The cheapest car insurance company in Gaines is USAA
  • Average car insurance rates in Gaines, PA are $3,861/year

If you need to buy Gaines, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in Gaines, PA is right here.

You’ll find Gaines car insurance rates, the cheapest Gaines, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Gaines, Pennsylvania car insurance rates to York car insurance rates, Reading car insurance rates, and Philadelphia car insurance rates.

Ready to find affordable Gaines, PA car insurance today? Enter your ZIP code for fast, free Gaines car insurance quotes.

Cheapest Gaines, PA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Gaines, PA car insurance rates? Every Gaines, Pennsylvania car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gaines, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,175 $2,175 $1,984 $1,984 $6,792 $6,792 $2,414 $2,414
GEICO $2,044 $1,768 $1,892 $1,639 $5,037 $4,368 $2,076 $1,796
Liberty Mutual $4,040 $4,040 $3,696 $3,696 $11,916 $11,916 $5,145 $5,145
Nationwide $1,849 $1,849 $1,744 $1,744 $5,143 $5,143 $2,068 $2,068
Progressive $2,601 $2,601 $2,315 $2,315 $8,008 $8,008 $3,338 $3,338
State Farm $1,502 $1,502 $1,311 $1,311 $5,173 $5,173 $1,645 $1,645
Travelers $1,817 $1,817 $1,932 $1,932 $25,785 $25,785 $2,215 $2,215
USAA $1,084 $1,084 $977 $977 $3,142 $3,142 $1,445 $1,445

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Minimum Car Insurance in Gaines, PA

Every driver must carry the minimum car insurance in Gaines, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car Insurance Coverage in Gaines, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Gaines, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Gaines, PA. Compare credit history car insurance rates in Gaines from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Gaines, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,289 $3,174 $2,562
GEICO $3,869 $2,179 $1,684
Liberty Mutual $7,916 $5,673 $5,008
Nationwide $3,175 $2,602 $2,326
Progressive $5,407 $3,769 $3,020
State Farm $3,428 $2,122 $1,674
Travelers $8,660 $7,797 $7,355
USAA $2,082 $1,541 $1,362

Cheapest Gaines, PA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Gaines, PA to rates for a clean record with top companies.

Annual Gaines, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,206 $3,746 $3,206 $3,206
GEICO $1,896 $3,225 $2,550 $2,639
Liberty Mutual $5,702 $6,434 $6,330 $6,330
Nationwide $1,941 $2,596 $3,646 $2,621
Progressive $3,703 $5,036 $3,806 $3,717
State Farm $2,225 $2,591 $2,408 $2,408
Travelers $5,678 $8,014 $10,045 $8,014
USAA $1,343 $1,837 $1,966 $1,500

Cheapest Gaines, PA Car Insurance for Teen Drivers

Teen car insurance in Gaines, PA can be expensive. Take a look at rates from the top car insurance companies in Gaines for teenagers.

Annual Car Insurance Rates for Teen Drivers in Gaines, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,792 $6,792
GEICO $5,037 $4,368
Liberty Mutual $11,916 $11,916
Nationwide $5,143 $5,143
Progressive $8,008 $8,008
State Farm $5,173 $5,173
Travelers $25,785 $25,785
USAA $3,142 $3,142

Cheapest Gaines, PA Car Insurance for Seniors

Take a look at Gaines, PA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Gaines, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,984 $1,984
GEICO $1,892 $1,639
Liberty Mutual $3,696 $3,696
Nationwide $1,744 $1,744
Progressive $2,315 $2,315
State Farm $1,311 $1,311
Travelers $1,932 $1,932
USAA $977 $977

Cheapest Gaines, PA Car Insurance Rates After a DUI

A DUI in Gaines, PA increases car insurance rates. Compare Gaines, Pennsylvania DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Gaines, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,206
GEICO $2,550
Liberty Mutual $6,330
Nationwide $3,646
Progressive $3,806
State Farm $2,408
Travelers $10,045
USAA $1,966

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Cheapest Gaines, PA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Gaines, PA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Gaines, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,280 $3,403
GEICO $2,532 $2,623
Liberty Mutual $6,039 $6,360
Nationwide $2,701 $2,701
Progressive $4,065 $4,065
State Farm $2,337 $2,479
Travelers $7,938 $7,938
USAA $1,614 $1,709

The Best Cheap Car Insurance Companies in Gaines, PA

Take a look at a side-by-side comparison of the top car insurance companies in Gaines, PA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Gaines, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,341
GEICO $2,578
Liberty Mutual $6,199
Nationwide $2,701
Progressive $4,065
State Farm $2,408
Travelers $7,938
USAA $1,662

Category Winners: Cheapest Car Insurance in Gaines, Pennsylvania

Find the cheapest car insurance companies in Gaines, PA for each category right here.

Best Annual Car Insurance Rates by Company in Gaines, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Gaines, PA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Gaines car insurance rates. Find the cheapest Gaines, PA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Gaines, Pennsylvania

Insurance Company Low Medium High
Allstate $3,210 $3,359 $3,455
GEICO $2,381 $2,597 $2,755
Liberty Mutual $5,965 $6,233 $6,399
Nationwide $2,739 $2,729 $2,635
Progressive $3,774 $4,091 $4,331
State Farm $2,281 $2,433 $2,509
Travelers $8,110 $7,916 $7,787
USAA $1,557 $1,675 $1,754

What affects car insurance rates in Gaines, Pennsylvania?

What factors can have an impact on Gaines, PA car insurance? There are several reasons why Gaines car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Gaines, Pennsylvania.

Traffic in Gaines

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Gaines, PA traffic data from INRIX ranks Gaines as the 462nd-most congested in the world.

Compare Car Insurance Quotes in Gaines, PA

Ready to find affordable Gaines, Pennsylvania car insurance today? Enter your ZIP code for fast, free Gaines, PA car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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