Cheapest Car Insurance Quotes In Wilkes Barre, PA For 2024
In Wilkes Barre, Erie is the most affordable choice, offering an average monthly rate of $25.
When searching for the most budget-friendly car insurance in Wilkes Barre, Pennsylvania, there are various options to consider. However, one company, Erie, stands out for its competitive pricing. On average, residents can expect to pay around $23 per month for car insurance from Erie, which is notably lower than the state’s average of $128.
For those interested in obtaining the most affordable liability-only coverage, Erie is the top choice. Additionally, for drivers in need of more extensive protection, Erie provides the best rates for full coverage policies, coming in at $92 a month. On the other hand, Travelers offers the cheapest rates for young drivers, priced at $65 per month.
Cheapest Car Insurance Companies In Wilkes Barre, PA
Our Methodology
With over 15 years of experience as a licensed insurance agent, I've meticulously analyzed the car insurance landscape in Wilkes Barre, PA. My comprehensive approach considers factors like customer service ratings, product offerings, pricing, and thorough assessments from numerous online review platforms. This perspective is not only informed by my professional involvement in the industry but also by firsthand interactions with representatives from different insurance companies.
Quotes Analyzed
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How Much Is Car Insurance In Wilkes Barre, PA?
Erie provides the most affordable car insurance in Wilkes Barre, PA, with coverage available for $104 per month. Compared to the average rates in Pennsylvania and the United States as a whole, rates are notably lower, as illustrated in the table below:
| Area | Average Monthly Rate |
| National | $152 |
| Pennsylvania | $128 |
| Wilkes Barre, PA | $104 |
It’s important to note that the average national cost of car insurance encompasses a wide range of states with varying costs. This includes high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates for car insurance can fluctuate significantly based on factors such as vehicle type, coverage amount, zip code, driving history, and more. Therefore, individual rates may vary depending on specific circumstances and location.
Cheapest Car Insurance Rates In Wilkes Barre For Minimum Coverage
In Wilkes Barre, Erie stands out as the most economical option for minimum coverage car insurance, with an average monthly cost of $23.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $23 | $276 |
| Progressive | $62 | $744 |
| The Hartford | $43 | $514 |
| State Farm | $48 | $574 |
| Nationwide | $49 | $581 |
The minimum car insurance policy should include, at the very least, the following coverage:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $5,000 for property damage per accident
Maintaining minimum car insurance offers basic protection while driving, but it lacks collision or comprehensive coverage. Without these, damages to your vehicle in accidents, theft, or natural disasters aren’t covered.
In Pennsylvania, driving uninsured is illegal. Failing to show proof of insurance during a traffic stop can lead to penalties like fines, license suspension, or more severe consequences.
Cheapest Car Insurance Rates In Wilkes Barre For Full Coverage
Erie offers the most affordable rates for full coverage car insurance, averaging around $92 per month in Wilkes Barre.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $92 | $1,286 |
| The Hartford | $95 | $1,141 |
| Progressive | $213 | $2,554 |
| Allstate | $195 | $2,340 |
| State Farm | $111 | $1,326 |
Full coverage car insurance extends beyond the basic legal requirements, combining comprehensive and collision coverages.
Comprehensive coverage shields against non-collision events such as theft, vandalism, or natural disasters. Collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Wilkes Barre For Seniors
For seniors in Wilkes Barre, Nationwide offers the most affordable car insurance rates, with average quotes around $45 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $45 | $540 |
| GEICO | $160 | $1,918 |
| Erie | $70 | $838 |
| Auto Owners | $55 | $660 |
| Travelers | $54 | $646 |
In Pennsylvania, seniors may often find favorable car insurance rates due to various advantageous factors. While age typically plays a role in insurance rate calculations, it’s important to note that older age isn’t always correlated with diminished driving ability.
Cheapest Car Insurance Rates In Wilkes Barre For Teenagers
Teenage drivers in Wilkes Barre can secure the most affordable quotes from Erie, with average monthly premiums of $152.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $160 | $1,920 |
| USAA | $173 | $2,076 |
| Erie | $152 | $1,824 |
| SafeAuto | $170 | $2,040 |
| Penn National | $198 | $2,376 |
Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance companies classify young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.
Cheapest Car Insurance Rates In Wilkes Barre For Young Adults
Young adults in Wilkes Barre can access the most affordable car insurance quotes through Travelers, with rates averaging around $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $103 | $1,234 |
| Erie | $87 | $1,042 |
| Nationwide | $67 | $802 |
| Allstate | $105 | $1,258 |
| Travelers | $65 | $778 |
In Pennsylvania, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers mature.
Statistically, young adults are less inclined to file insurance claims, indicating a decrease in accident involvement. As a result, insurers adjust premiums downward, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Wilkes Barre For Good Drivers
Erie offers the most affordable car insurance quotes for good drivers in Wilkes Barre, typically averaging around $23 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $23 | $276 |
| Progressive | $62 | $744 |
| The Hartford | $43 | $514 |
| State Farm | $48 | $574 |
| Nationwide | $49 | $581 |
Drivers with clean driving records in Wilkes Barre generally enjoy lower car insurance rates because they are viewed as lower risk. Insurance companies assess driving records to determine how safely a person drives. A history with fewer incidents, such as accidents or traffic violations, indicates that the driver is cautious and less likely to file a claim.
Insurance rates are based on the probability of a driver making a claim. Therefore, a flawless driving record can result in substantial savings on premiums. It all boils down to risk assessment – the cleaner the record, the lower the perceived risk, and subsequently, the lower the insurance cost.
Cheapest Car Insurance Rates In Wilkes Barre For Drivers With Prior Incidents
In Wilkes Barre, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions prompt insurance companies to categorize them as high-risk individuals, indicating a higher likelihood of filing future insurance claims.
As a result, insurance providers increase their rates for these drivers to offset the risk of potentially higher claim payouts.
Cheapest Car Insurance Rates In Wilkes Barre For Drivers With A Speeding Ticket
Erie stands out for its affordability compared to other companies, offering average rates of $103 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $103 | $1,234 |
| The Hartford | $115 | $1,378 |
| Geico | $320 | $3,894 |
| Allstate | $195 | $2,338 |
| Progressive | $212 | $2,542 |
Cheapest Car Insurance Rates In Wilkes Barre For Drivers With An At-Fault Accident
Erie provides the most affordable car insurance quotes for drivers with an at-fault incident, boasting an average rate of $105 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $105 | $1,258 |
| The Hartford | $135 | $1,618 |
| Geico | $387 | $4,642 |
| Progressive | $212 | $2,542 |
| Allstate | $197 | $2,362 |
Cheapest Car Insurance Rates In Wilkes Barre For Drivers After A DUI
For drivers in Wilkes Barre who have had a DUI, The Hartford offers the most budget-friendly rates, with average monthly premiums of $140.
| Provider | Average Monthly Cost | Average Annual Cost |
| The Hartford | $140 | $1,678 |
| Progressive | $269 | $3,286 |
| Erie | $147 | $1,762 |
| Geico | $337 | $4,042 |
| Allstate | $194 | $2,326 |
Best Car Insurance Companies In Wilkes Barre
When selecting a car insurance provider in Wilkes Barre, it’s crucial to consider both affordable rates and dependable coverage. Here are the top 10 car insurance companies in Wilkes Barre, PA, ranked by their average monthly rates:
| Company | Monthly Premium |
| Erie | $83 |
| Penn National | $90 |
| SafeAuto | $93 |
| National General | $65 |
| Auto Owners | $101 |
| Atlantic States | $103 |
| Verti | $98 |
| State Farm | $100 |
| Clearcover | $60 |
| Nationwide | $120 |
Average Car Insurance Rates By Age In Wilkes Barre
| Age | Average Yearly Rate |
| Teenagers | $2,676 |
| 20s | $1,824 |
| 30s | $1,080 |
| 40s | $936 |
| 50s | $840 |
| 60s | $838 |
| 70s | $942 |
Age plays a substantial role in shaping car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. However, as drivers reach the age of 25, their rates generally begin to decline, assuming they maintain a clean driving record.
The most advantageous insurance rates are frequently accessible for drivers in their 50s and early 60s. Insurance companies utilize age as a measure to assess driving experience and risk potential, adjusting premium costs accordingly.
Average Car Insurance Rates By Vehicle Type In Wilkes Barre
| Vehicle | Average Monthly Rate |
| Toyota Corolla | $80 |
| Volkswagen Beetle | $98 |
| Honda Accord | $164 |
| Nissan Altima | $108 |
| Chevrolet Equinox | $88 |
The type of vehicle you drive significantly affects your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
On the other hand, older cars or those that are less expensive to repair or replace may have lower premiums. Insurers take these aspects into account because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Pennsylvania?
| City | Average Monthly Rate |
| New Castle | $98 |
| Reading | $120 |
| Johnstown | $90 |
| Easton | $110 |
| Erie | $110 |
| York | $109 |
| Allentown | $120 |
| Scranton | $110 |
| Philadelphia | $205 |
| Bethlehem | $120 |
The city in which you live has a substantial influence on your car insurance rates. Insurance companies evaluate multiple factors associated with your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which are usually elevated in urban areas. This heightened risk frequently results in higher premiums.
FAQs
Who has the lowest car insurance rates in Wilkes Barre?
Erie provides the lowest car insurance rates in Wilkes Barre for both the minimum coverage required by the State of Pennsylvania and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Wilkes Barre?
On average, car insurance in Wilkes Barre amounts to approximately $104 per month. However, rates may fluctuate depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.
Sources
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