Compare Montgomery, PA Car Insurance Rates (2021)

Car insurance in Montgomery, PA averages $284 a month. Montgomery, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Montgomery car insurance rates, compare quotes from the top car insurance companies in Montgomery, 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 Montgomery, PA are $3,403/year
  • The cheapest car insurance company in Montgomery for teen drivers is USAA
  • The cheapest car insurance company in Montgomery is USAA

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

You’ll find Montgomery car insurance rates, the cheapest Montgomery, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Montgomery, Pennsylvania car insurance rates to Scranton car insurance rates, Altoona car insurance rates, and Lancaster car insurance rates.

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

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

How do age, gender, and marital status affect Montgomery, PA car insurance rates? Every Montgomery, 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 Montgomery, 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 $2,164 $2,164 $1,980 $1,980 $6,860 $6,860 $2,395 $2,395
GEICO $1,771 $1,534 $1,655 $1,435 $4,360 $3,783 $1,787 $1,548
Liberty Mutual $3,468 $3,468 $3,175 $3,175 $10,156 $10,156 $4,407 $4,407
Nationwide $1,603 $1,603 $1,515 $1,515 $4,498 $4,498 $1,796 $1,796
Progressive $2,569 $2,569 $2,289 $2,289 $8,249 $8,249 $3,295 $3,295
State Farm $1,276 $1,276 $1,125 $1,125 $4,508 $4,508 $1,405 $1,405
Travelers $1,456 $1,456 $1,553 $1,553 $20,549 $20,549 $1,765 $1,765
USAA $957 $957 $865 $865 $2,798 $2,798 $1,268 $1,268

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Minimum Car Insurance in Montgomery, PA

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

Minimum Required Car Insurance Coverage in Montgomery, 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 Montgomery, PA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Montgomery, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,295 $3,184 $2,570
GEICO $3,346 $1,891 $1,465
Liberty Mutual $6,766 $4,853 $4,285
Nationwide $2,762 $2,269 $2,027
Progressive $5,437 $3,809 $3,055
State Farm $2,955 $1,833 $1,448
Travelers $6,898 $6,221 $5,873
USAA $1,837 $1,367 $1,212

Cheapest Montgomery, 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 Montgomery, PA to rates for a clean record with top companies.

Annual Montgomery, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,213 $3,759 $3,213 $3,213
GEICO $1,648 $2,802 $2,204 $2,283
Liberty Mutual $4,855 $5,523 $5,414 $5,414
Nationwide $1,698 $2,266 $3,168 $2,280
Progressive $3,720 $5,128 $3,826 $3,728
State Farm $1,906 $2,252 $2,079 $2,079
Travelers $4,525 $6,392 $8,014 $6,392
USAA $1,190 $1,629 $1,740 $1,328

Cheapest Montgomery, PA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montgomery, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,860 $6,860
GEICO $4,360 $3,783
Liberty Mutual $10,156 $10,156
Nationwide $4,498 $4,498
Progressive $8,249 $8,249
State Farm $4,508 $4,508
Travelers $20,549 $20,549
USAA $2,798 $2,798

Cheapest Montgomery, PA Car Insurance for Seniors

Take a look at Montgomery, 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 Montgomery, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,980 $1,980
GEICO $1,655 $1,435
Liberty Mutual $3,175 $3,175
Nationwide $1,515 $1,515
Progressive $2,289 $2,289
State Farm $1,125 $1,125
Travelers $1,553 $1,553
USAA $865 $865

Cheapest Montgomery, PA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montgomery, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,213
GEICO $2,204
Liberty Mutual $5,414
Nationwide $3,168
Progressive $3,826
State Farm $2,079
Travelers $8,014
USAA $1,740

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Cheapest Montgomery, PA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montgomery, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,287 $3,413
GEICO $2,197 $2,271
Liberty Mutual $5,165 $5,438
Nationwide $2,353 $2,353
Progressive $4,100 $4,100
State Farm $2,018 $2,139
Travelers $6,331 $6,331
USAA $1,430 $1,514

The Best Cheap Car Insurance Companies in Montgomery, PA

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

Average Annual Car Insurance Rates by Company in Montgomery, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,350
GEICO $2,234
Liberty Mutual $5,302
Nationwide $2,353
Progressive $4,100
State Farm $2,079
Travelers $6,331
USAA $1,472

Category Winners: Cheapest Car Insurance in Montgomery, Pennsylvania

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

Best Annual Car Insurance Rates by Company in Montgomery, 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 Montgomery, PA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Montgomery, Pennsylvania

Insurance Company Low Medium High
Allstate $3,219 $3,367 $3,463
GEICO $2,058 $2,249 $2,395
Liberty Mutual $5,079 $5,334 $5,491
Nationwide $2,372 $2,380 $2,308
Progressive $3,780 $4,128 $4,393
State Farm $1,954 $2,102 $2,180
Travelers $6,459 $6,321 $6,212
USAA $1,373 $1,484 $1,559

What affects car insurance rates in Montgomery, Pennsylvania?

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

Commute Time in Montgomery

The more time you spend in your car the higher the risk of an accident. The average commute length in Montgomery, PA is 21.9 minutes according to City-Data.

Traffic in Montgomery

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Montgomery, PA traffic data from INRIX ranks Montgomery as the 413th-most congested in the world.

Compare Car Insurance Quotes in Montgomery, PA

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

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