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Get Cheap Car Insurance in Gaines, PA
We monitor insurance prices, helping the average driver in Gaines save up to 35.9% on car insurance.
The Cheapest Minimum Coverage in Gaines
The chart below shows the cheapest car insurance company in Gaines 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.
| Gaines Insurer | Monthly Cost |
|---|---|
| Kemper | $50 |
| Metromile | $50 |
| Travelers | $50 |
| State Farm | $52 |
Savings for Every Kind of Gaines Driver
Based on our extensive insurance data, we know the average Gaines 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 $377 per year by choosing the right vehicle insurance company. Some Gaines residents are paying out over $1,343 extra every year for auto insurance in Gaines. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Gaines, PA Savings / Yr. |
|---|---|
$377 |
|
$667 |
|
$510 |
|
$608 |
|
$1,556 |
|
$269 |
|
$481 |
Gaines Car Insurance vs. Pennsylvania
People living in Gaines pay an average of 5.80% less than the typical driver in the state. The average driver in Gaines can expect to pay about $833 per year, or $1,343 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Gaines for most people.
Car Insurance Prices by Gaines Neighborhood
Insurance Prices
Where is insurance cheapest within Gaines?
The map shows insurance prices in and around Gaines, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $6 per year within the city boundaries, with insurance premiums ranging from a high of $1,345 to a low of $1,339. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of Gaines.Pick the Best Car Insurance Company for You in Gaines
The best car insurance provider for most drivers in Gaines
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $377 over the average Gaines car insurance company.
The best car insurance provider for Gaines 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 $667 over the competition.
The best car insurance company for Gaines drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $510 better than other car insurance companies.
The best auto insurance for Gaines drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $608 less each year.
The least expensive car insurance company for new and young drivers in Gaines
In Gaines, Travelers costs young drivers $1,556 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Gaines
State Farm gave the largest car insurance discounts to married couples, averaging $269 saved each year compared to an average Gaines couple's premiums.
The cheapest car insurance in Gaines for drivers with bad credit
The best Gaines car insurance company for customer service
Recent price drops
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The cheapest large national provider in Gaines
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Gaines 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 Gaines, 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 Gaines
What Influences the Cost of Car Insurance in Gaines?
On average, car insurance in Gaines 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 Gaines is 32 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 Gaines 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.
- Gaines is one of the most densely populated areas in the state. The city’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 Gaines is $69 per month for minimum coverage and $112 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 Cities
- Rexford: Insurance costs the same
- Marshlands: Insurance costs the same
- Galeton: Insurance costs 2.16% more
- Sunderlinville: Insurance costs 0.82% less
- Sabinsville: Insurance costs 0.30% less
- Asaph: Insurance costs 0.82% more
- Kennedy: Insurance costs 1.19% less
- Germania: Insurance costs 0.15% more
- Potter Brook: Insurance costs 0.07% more
- Westfield: Insurance costs 0.67% more
Cities with Similar Populations
- Sublette: Insurance costs 33.80% more
- Enright: Insurance costs 0.52% more
- Erly: Insurance costs 3.57% less
- Fairfield: Insurance costs 4.84% more
- Fairplay: Insurance costs 29.11% more
- Falcon: Insurance costs 32.09% more
- Farisita: Insurance costs 40.80% more
- Funston: Insurance costs 7.67% less
- Garden City: Insurance costs 19.14% more
- Georgetown: Insurance costs 42.52% more