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Get Cheap Car Insurance in Mount Joy, TX

We monitor insurance prices, helping the average driver in Mount Joy save up to 34.2% on car insurance.

 

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The Cheapest Minimum Coverage in Mount Joy

The chart below shows the cheapest car insurance company in Mount Joy 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.

 
Mount Joy Insurer Monthly Cost
Clearcover $42
Mile Auto $55
Progressive $56
State Farm $60

Savings for Every Kind of Mount Joy Driver

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

Based on our extensive insurance data, we know the average Mount Joy driver will save about 21% 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 $332 per year by choosing the right vehicle insurance company. Some Mount Joy residents are paying out over $1,613 extra every year for auto insurance in Mount Joy. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Mount Joy, TX Savings / Yr.
Drivers with good records
$332
Drivers with accidents
$760
Drivers with speeding tickets
$670
Drivers with a DUI conviction
$767
Young drivers
$1,168
Married drivers
$441
Drivers with bad credit
$482

Mount Joy Car Insurance vs. Texas

People living in Mount Joy pay an average of 17.43% less than the typical driver in the state. The average driver in Mount Joy can expect to pay about $961 per year, or $1,613 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Mount Joy for most people.

Car Insurance Prices by Mount Joy Neighborhood

Mount Joy, TX map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Mount Joy?

The map shows insurance prices in and around Mount Joy, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $78 per year within the city boundaries, with insurance premiums ranging from a high of $1,677 to a low of $1,599. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Mount Joy.

Pick the Best Car Insurance Company for You in Mount Joy

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 Mount Joy insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mount Joy

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $332 over the average Mount Joy car insurance company.

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We use the average good driver, paying $107 per month, as our baseline for pricing in Mount Joy. State Farm, Progressive, and Mile Auto 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 Mount Joy drivers with accidents on their records

In Mount Joy getting into an accident will raise premiums an average 32% for a yearly cost of $2,380. That's $766 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, Mile Auto, and Farmers Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $760 over the competition.

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The best car insurance company for Mount Joy drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $670 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 Mount Joy, tickets raise premiums on new quotes about $567. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,181 per year.

The best auto insurance for Mount Joy drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,245 per year in auto insurance premiums, which was $632 more than a driver with no major issues. Mile Auto, Kemper, and Farmers Insurance penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $767 less each year.

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The least expensive car insurance company for new and young drivers in Mount Joy

In Mount Joy, State Farm costs young drivers $1,168 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 64% more for insurance than more mature drivers in Mount Joy. With an average cost of $4,471 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, Geico, and Chubb 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 Mount Joy

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $55. State Farm, Geico, and Chubb provided the largest discounts to couples living in Mount Joy.

State Farm gave the largest car insurance discounts to married couples, averaging $441 saved each year compared to an average Mount Joy couple's premiums.

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The cheapest car insurance in Mount Joy for drivers with bad credit

People with poor credit saved an average of $482 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $651 every year. Premiums for people with poor credit were about $2,265 in Mount Joy. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Farmers Insurance, and Clearcover.

The best Mount Joy car insurance company for customer service

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

Nationwide was the best company for customer service in Mount Joy 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 Mount Joy, 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 Mount Joy. 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 Mount Joy

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Mount Joy 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, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Mount Joy driver can expect to pay about $129 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 Mount Joy, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.
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Auto Insurance Prices in and Around Mount Joy

What Influences the Cost of Car Insurance in Mount Joy?

On average, car insurance in Mount Joy 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 Mount Joy is 26 minutes, which is a little less than average for a driver in the state.
  • Texas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Mount Joy are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Mount Joy has an average population density 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 Mount Joy is $80 per month for minimum coverage and $134 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

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* Who is the average Mount Joy driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mount Joy 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.