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Get Cheap Car Insurance in West Walnut, Allentown, PA

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

 

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The Cheapest Minimum Coverage in West Walnut

The chart below shows the cheapest car insurance company in West Walnut 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.

 
West Walnut Insurer Monthly Cost
Kemper $59
Metromile $59
Travelers $60
State Farm $63

Savings for Every Kind of West Walnut Driver

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

Based on our extensive insurance data, we know the average West Walnut 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 $450 per year by choosing the right vehicle insurance company. Some West Walnut residents are paying out over $1,603 extra every year for auto insurance in West Walnut. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
West Walnut, Allentown, PA Savings / Yr.
Drivers with good records
$450
Drivers with accidents
$796
Drivers with speeding tickets
$608
Drivers with a DUI conviction
$725
Young drivers
$1,857
Married drivers
$321
Drivers with bad credit
$574

West Walnut Car Insurance vs. Allentown

People living in West Walnut pay an average of 12.38% more than the typical driver in the state. The average driver in West Walnut can expect to pay about $993 per year, or $1,603 for full coverage.

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

Car Insurance Prices by West Walnut Neighborhood

West Walnut, Allentown, PA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within West Walnut?

The map shows insurance prices in and around West Walnut, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $306 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,715 to a low of $1,409. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of West Walnut.

Pick the Best Car Insurance Company for You in West Walnut

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 West Walnut insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in West Walnut

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $450 over the average West Walnut car insurance company.

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We use the average good driver, paying $96 per month, as our baseline for pricing in West Walnut. 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 West Walnut drivers with accidents on their records

In West Walnut getting into an accident will raise premiums an average 40% for a yearly cost of $2,658. That's $1,055 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 $796 over the competition.

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The best car insurance company for West Walnut drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $608 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 West Walnut, tickets raise premiums on new quotes about $645. If you have a speeding ticket, we recommend Travelers, Metromile, and Clearcover for savings that beat the average insurance cost of $2,248 per year.

The best auto insurance for West Walnut drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,373 per year in auto insurance premiums, which was $771 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 $725 less each year.

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The least expensive car insurance company for new and young drivers in West Walnut

In West Walnut, Travelers costs young drivers $1,857 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 West Walnut. With an average cost of $5,173 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 West Walnut

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $129. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in West Walnut.

State Farm gave the largest car insurance discounts to married couples, averaging $321 saved each year compared to an average West Walnut couple's premiums.

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The cheapest car insurance in West Walnut for drivers with bad credit

People with poor credit saved an average of $574 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,084 every year. Premiums for people with poor credit were about $2,687 in West Walnut. 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 West Walnut car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In West Walnut, 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 West Walnut.

Nationwide was the best company for customer service in West Walnut 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 West Walnut, 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 West Walnut. 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 West Walnut

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 70% of West Walnut residents who are renting, and don't plan to be in the neighborhood or city 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 West Walnut 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 West Walnut, 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 West Walnut

What Influences the Cost of Car Insurance in West Walnut?

On average, car insurance in West Walnut 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 neighborhood are influenced by the following factors:

  • The average commute time in West Walnut is 32 minutes, which is about the national average for a driver in the city.
  • 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 West Walnut are lower than 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.
  • West Walnut is one of the least populated areas in the state. The neighborhood’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 West Walnut is $83 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 Neighborhoods

Neighborhoods with Similar Populations

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