Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 16239, PA
We monitor insurance prices, helping the average driver in 16239 save up to 35.9% on car insurance.
The Cheapest Minimum Coverage in 16239
The chart below shows the cheapest car insurance company in 16239 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Metromile, Travelers, and State Farm.
| 16239 Insurer | Monthly Cost |
|---|---|
| Kemper | $53 |
| Metromile | $53 |
| Travelers | $53 |
| State Farm | $56 |
Savings for Every Kind of 16239 Driver
Based on our extensive insurance data, we know the average 16239 driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $400 per year by choosing the right vehicle insurance company. Some 16239 residents are paying out over $1,427 extra every year for auto insurance in 16239. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
16239, PA Savings / Yr. |
|---|---|
$400 |
|
$709 |
|
$542 |
|
$646 |
|
$1,654 |
|
$286 |
|
$511 |
16239 Car Insurance vs. Pennsylvania
People living in 16239 pay an average of 0.09% more than the typical driver in the state. The average driver in 16239 can expect to pay about $885 per year, or $1,427 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in 16239 for most people.
Car Insurance Prices by 16239 Neighborhood
Insurance Prices
Where is insurance cheapest within 16239?
The map shows insurance prices in and around 16239, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $61 per year within the zip boundaries, with insurance premiums ranging from a high of $1,442 to a low of $1,381. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of 16239.Pick the Best Car Insurance Company for You in 16239
The best car insurance provider for most drivers in 16239
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $400 over the average 16239 car insurance company.
The best car insurance provider for 16239 drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $709 over the competition.
The best car insurance company for 16239 drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $542 better than other car insurance companies.
The best auto insurance for 16239 drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $646 less each year.
The least expensive car insurance company for new and young drivers in 16239
In 16239, Travelers costs young drivers $1,654 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 16239
State Farm gave the largest car insurance discounts to married couples, averaging $286 saved each year compared to an average 16239 couple's premiums.
The cheapest car insurance in 16239 for drivers with bad credit
The best 16239 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 16239, which was better than other insurers.
The cheapest large national provider in 16239
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 16239 driver can expect to pay about $86 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 16239, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with accidents, and married couples.Auto Insurance Prices in and Around 16239
What Influences the Cost of Car Insurance in 16239?
On average, car insurance in 16239 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- Pennsylvania state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 16239 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- 16239 is one of the most densely populated areas in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 16239 is $74 per month for minimum coverage and $119 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 16260: Insurance costs 2.94% less
- 16217: Insurance costs 2.17% less
- 15828: Insurance costs 2.80% less
- 16233: Insurance costs 3.08% less
- 16728: Insurance costs 5.54% less
- 16361: Insurance costs 3.22% less
- 16332: Insurance costs 2.10% more
- 16353: Insurance costs 1.40% less
- 16322: Insurance costs 2.66% less
- 16321: Insurance costs 2.66% less
Zip Codes with Similar Populations
- 01452: Insurance costs 6.66% more
- 17018: Insurance costs 10.86% less
- 19541: Insurance costs 5.68% less
- 49682: Insurance costs 89.56% more
- 50536: Insurance costs 14.79% less
- 53038: Insurance costs 23.76% less
- 87323: Insurance costs 1.47% more
- 44680: Insurance costs 23.62% less
- 44644: Insurance costs 21.79% less
- 24549: Insurance costs 16.54% less