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Get Cheap Car Insurance in Heart Lake, PA
We monitor insurance prices, helping the average driver in Heart Lake save up to 35.9% on car insurance.
The Cheapest Minimum Coverage in Heart Lake
The chart below shows the cheapest car insurance company in Heart Lake 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.
| Heart Lake Insurer | Monthly Cost |
|---|---|
| Kemper | $51 |
| Metromile | $51 |
| Travelers | $52 |
| State Farm | $54 |
Savings for Every Kind of Heart Lake Driver
Based on our extensive insurance data, we know the average Heart Lake 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 $391 per year by choosing the right vehicle insurance company. Some Heart Lake residents are paying out over $1,393 extra every year for auto insurance in Heart Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Heart Lake, PA Savings / Yr. |
|---|---|
$391 |
|
$692 |
|
$528 |
|
$630 |
|
$1,614 |
|
$279 |
|
$499 |
Heart Lake Car Insurance vs. Pennsylvania
People living in Heart Lake pay an average of 2.33% less than the typical driver in the state. The average driver in Heart Lake can expect to pay about $863 per year, or $1,393 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Heart Lake for most people.
Car Insurance Prices by Heart Lake Neighborhood
Insurance Prices
Where is insurance cheapest within Heart Lake?
The map shows insurance prices in and around Heart Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $39 per year within the city boundaries, with insurance premiums ranging from a high of $1,409 to a low of $1,370. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South parts of Heart Lake.Pick the Best Car Insurance Company for You in Heart Lake
The best car insurance provider for most drivers in Heart Lake
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $391 over the average Heart Lake car insurance company.
The best car insurance provider for Heart Lake 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 $692 over the competition.
The best car insurance company for Heart Lake drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $528 better than other car insurance companies.
The best auto insurance for Heart Lake drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $630 less each year.
The least expensive car insurance company for new and young drivers in Heart Lake
In Heart Lake, Travelers costs young drivers $1,614 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Heart Lake
State Farm gave the largest car insurance discounts to married couples, averaging $279 saved each year compared to an average Heart Lake couple's premiums.
The cheapest car insurance in Heart Lake for drivers with bad credit
The best Heart Lake car insurance company for customer service
Nationwide was the best company for customer service in Heart Lake according to the NAIC.
Recent price drops
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The cheapest large national provider in Heart Lake
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Heart Lake 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 Heart Lake, 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 Heart Lake
What Influences the Cost of Car Insurance in Heart Lake?
On average, car insurance in Heart Lake 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 Heart Lake is 31 minutes, which is a little less than average for a driver in the state.
- Pennsylvania state insurance regulations may allow for lower prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Heart Lake are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Heart Lake has an average population density 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 Heart Lake is $72 per month for minimum coverage and $116 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
- Tiffany: Insurance costs 1.65% less
- New Milford: Insurance costs 0.36% less
- Brooklyn: Insurance costs 0.79% less
- Franklin Forks: Insurance costs 0.50% less
- Montrose: Insurance costs 0.79% less
- Lawsville Center: Insurance costs the same
- South Montrose: Insurance costs 0.86% less
- Hallstead: Insurance costs 0.86% less
- Kingsley: Insurance costs 0.43% more
- Harford: Insurance costs 0.50% less
Cities with Similar Populations
- Manning: Insurance costs 50.90% more
- Lynn Creek: Insurance costs 19.10% more
- Lyons: Insurance costs 52.12% more
- Lytton: Insurance costs 32.66% more
- Mabel: Insurance costs 74.08% more
- Machen: Insurance costs 28.36% more
- Mack: Insurance costs 22.76% more
- Macksburg: Insurance costs 11.20% less
- Mad River: Insurance costs 30.37% more
- Lucius: Insurance costs 20.53% more