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Get Cheap Car Insurance in Castle Shannon, PA

We monitor insurance prices, helping the average driver in Castle Shannon save up to 35.9% on car insurance.

 

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The Cheapest Minimum Coverage in Castle Shannon

The chart below shows the cheapest car insurance company in Castle Shannon 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.

 
Castle Shannon Insurer Monthly Cost
Kemper $52
Metromile $52
Travelers $53
State Farm $55

Savings for Every Kind of Castle Shannon Driver

The table shows how much the average auto insurance customer in Castle Shannon might save by following our recommendations.

Based on our extensive insurance data, we know the average Castle Shannon 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 $399 per year by choosing the right vehicle insurance company. Some Castle Shannon residents are paying out over $1,421 extra every year for auto insurance in Castle Shannon. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Castle Shannon Car Insurance vs. Pennsylvania

People living in Castle Shannon pay an average of 0.33% less than the typical driver in the state. The average driver in Castle Shannon can expect to pay about $881 per year, or $1,421 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Castle Shannon for most people.

Car Insurance Prices by Castle Shannon Neighborhood

Castle Shannon, PA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Castle Shannon?

The map shows insurance prices in and around Castle Shannon, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $122 per year within the city boundaries, with insurance premiums ranging from a high of $1,486 to a low of $1,364. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the South parts of Castle Shannon.

Pick the Best Car Insurance Company for You in Castle Shannon

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Castle Shannon insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Castle Shannon

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $399 over the average Castle Shannon car insurance company.

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We use the average good driver, paying $85 per month, as our baseline for pricing in Castle Shannon. Travelers, Metromile, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Castle Shannon drivers with accidents on their records

In Castle Shannon getting into an accident will raise premiums an average 40% for a yearly cost of $2,357. That's $936 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Metromile are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $706 over the competition.

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The best car insurance company for Castle Shannon drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $539 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Castle Shannon, tickets raise premiums on new quotes about $572. If you have a speeding ticket, we recommend Travelers, Metromile, and Clearcover for savings that beat the average insurance cost of $1,993 per year.

The best auto insurance for Castle Shannon drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,105 per year in auto insurance premiums, which was $684 more than a driver with no major issues. State Farm, Travelers, and Clearcover penalized their customers the least for a DUI.

Getting a quote from Clearcover may cost the average person with a DUI about $643 less each year.

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The least expensive car insurance company for new and young drivers in Castle Shannon

In Castle Shannon, Travelers costs young drivers $1,647 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Castle Shannon. With an average cost of $4,588 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Castle Shannon

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $115. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Castle Shannon.

State Farm gave the largest car insurance discounts to married couples, averaging $285 saved each year compared to an average Castle Shannon couple's premiums.

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The cheapest car insurance in Castle Shannon for drivers with bad credit

People with poor credit saved an average of $509 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $962 every year. Premiums for people with poor credit were about $2,383 in Castle Shannon. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Travelers, and Plymouth Rock Assurance.

The best Castle Shannon car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Castle Shannon, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Castle Shannon.

Nationwide was the best company for customer service in Castle Shannon according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Castle Shannon, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Castle Shannon. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Castle Shannon

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 35% of Castle Shannon residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Castle Shannon driver can expect to pay about $86 per month.

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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 Castle Shannon, 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.
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Auto Insurance Prices in and Around Castle Shannon

What Influences the Cost of Car Insurance in Castle Shannon?

On average, car insurance in Castle Shannon is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:

  • The average commute time in Castle Shannon is 33 minutes, which is about the national average for a driver in the state.
  • 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 Castle Shannon are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Castle Shannon is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Castle Shannon is $73 per month for minimum coverage and $118 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.

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* Who is the average Castle Shannon driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Castle Shannon with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.