Best Cheap Auto Insurance in Effort, PA (2021)

The average Effort, PA auto insurance rates are $413 per month. The minimum auto insurance in Effort is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Effort, Pennsylvania, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Effort for teen drivers is Travelers
  • The average commute length in Effort is 40.8 minutes
  • The minimum auto insurance required in Effort, Pennsylvania is 15/30/5

Effort, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania auto insurance laws. Finding cheap auto insurance in Effort can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Effort, Pennsylvania, including driving record, credit, commute time, and more.

Compare auto insurance in Effort to other Pennsylvania cities, including Lancaster auto insurance rates, Philadelphia auto insurance rates, and York auto insurance rates to see how Effort, Pennsylvania auto insurance rates stack up.

Before you buy Effort, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Effort, Pennsylvania auto insurance quotes.

Minimum Auto Insurance in Effort, Pennsylvania

Effort, Pennsylvania auto insurance laws require that you have at least the Pennsylvania minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Effort, Pennsylvania.

Minimum Required Auto Insurance Coverage in Effort, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Effort, Pennsylvania Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Effort, Pennsylvania are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Effort, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,009 $3,009 $2,774 $2,774 $10,469 $10,469 $3,323 $3,323
GEICO $2,879 $2,485 $2,709 $2,339 $7,079 $6,130 $2,898 $2,501
Liberty Mutual $4,990 $4,990 $4,569 $4,569 $14,625 $14,625 $6,343 $6,343
Nationwide $2,126 $2,126 $2,014 $2,014 $5,960 $5,960 $2,382 $2,382
Progressive $3,347 $3,347 $2,987 $2,987 $10,661 $10,661 $4,230 $4,230
State Farm $1,929 $1,929 $1,706 $1,706 $6,900 $6,900 $2,130 $2,130
Travelers $2,194 $2,194 $2,369 $2,369 $32,598 $32,598 $2,644 $2,644
USAA $1,267 $1,267 $1,143 $1,143 $3,791 $3,791 $1,688 $1,688

Cheap Effort, Pennsylvania Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Effort, Pennsylvania is a challenge. Take a look at the annual teen auto insurance rates in Effort, Pennsylvania.

Annual Auto Insurance Rates for Teen Drivers in Effort, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,469 $10,469
GEICO $7,079 $6,130
Liberty Mutual $14,625 $14,625
Nationwide $5,960 $5,960
Progressive $10,661 $10,661
State Farm $6,900 $6,900
Travelers $32,598 $32,598
USAA $3,791 $3,791

Cheap Effort, Pennsylvania Auto Insurance for Seniors

What are senior auto insurance rates in Effort, Pennsylvania? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Effort, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,774
GEICO $2,709 $2,339
Liberty Mutual $4,569 $4,569
Nationwide $2,014 $2,014
Progressive $2,987 $2,987
State Farm $1,706 $1,706
Travelers $2,369 $2,369
USAA $1,143 $1,143

Cheap Effort, Pennsylvania Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Effort, Pennsylvania compared to the annual auto insurance rates with a clean record in Effort, Pennsylvania.

Annual Effort, Pennsylvania Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,675 $5,549 $4,675 $4,675
GEICO $2,667 $4,542 $3,593 $3,707
Liberty Mutual $6,968 $7,970 $7,794 $7,794
Nationwide $2,255 $3,015 $4,198 $3,014
Progressive $4,804 $6,648 $4,953 $4,819
State Farm $2,895 $3,437 $3,166 $3,166
Travelers $7,053 $10,042 $12,667 $10,042
USAA $1,588 $2,189 $2,337 $1,775

Cheap Effort, Pennsylvania Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Effort, Pennsylvania is not easy. Compare the annual rates for DUI auto insurance in Effort, Pennsylvania to find the best deal.

Annual Auto Insurance Rates After a DUI in Effort, Pennsylvania

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,675
GEICO $3,593
Liberty Mutual $7,794
Nationwide $4,198
Progressive $4,953
State Farm $3,166
Travelers $12,667
USAA $2,337

Cheap Effort, Pennsylvania Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Effort, Pennsylvania annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Effort, Pennsylvania

Insurance Company Poor Fair Good
Allstate $6,240 $4,678 $3,764
GEICO $5,469 $3,060 $2,353
Liberty Mutual $9,747 $6,984 $6,164
Nationwide $3,662 $3,011 $2,688
Progressive $7,040 $4,929 $3,950
State Farm $4,504 $2,791 $2,203
Travelers $10,830 $9,784 $9,239
USAA $2,471 $1,828 $1,617

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Cheap Effort, Pennsylvania Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Effort, Pennsylvania can vary. Compare the annual cost of auto insurance by ZIP code in Effort, Pennsylvania to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Effort, Pennsylvania

ZIP Code Average Annual Rates
18330 $6,173

Cheap Effort, Pennsylvania Auto Insurance Rates By Commute

Commute length and annual mileage affect Effort, Pennsylvania auto insurance. Find the cheapest annual Effort, Pennsylvania auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Effort, Pennsylvania

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,791 $4,997
GEICO $3,567 $3,688
Liberty Mutual $7,436 $7,828
Nationwide $3,121 $3,121
Progressive $5,306 $5,306
State Farm $3,072 $3,260
Travelers $9,951 $9,951
USAA $1,915 $2,029

Cheap Effort, Pennsylvania Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Effort, Pennsylvania? Check out the comparison of annual Effort, Pennsylvania auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Effort, Pennsylvania

Insurance Company Low Medium High
Allstate $4,671 $4,926 $5,084
GEICO $3,278 $3,664 $3,940
Liberty Mutual $7,321 $7,678 $7,896
Nationwide $3,122 $3,162 $3,078
Progressive $4,816 $5,335 $5,767
State Farm $2,937 $3,213 $3,348
Travelers $9,980 $9,965 $9,909
USAA $1,835 $1,989 $2,092

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Best By Category: Cheapest Auto Insurance in Effort, Pennsylvania

Compare the cheapest auto insurance companies in Effort, Pennsylvania in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Effort, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Effort, Pennsylvania Auto Insurance Companies

What auto insurance companies in Effort, Pennsylvania are the cheapest? Compare the top Effort, Pennsylvania auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Effort, Pennsylvania

Insurance Company Average Annual Rates
Allstate $4,894
GEICO $3,628
Liberty Mutual $7,632
Nationwide $3,121
Progressive $5,306
State Farm $3,166
Travelers $9,951
USAA $1,972

What affects auto insurance rates in Effort, Pennsylvania?

There are a lot of reasons why auto insurance rates in Effort, Pennsylvania are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Effort, Pennsylvania. Many local factors may affect your Effort auto insurance rates.

Effort Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Effort, Pennsylvania commute length is 40.8 minutes according to City-Data.

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Compare Effort, Pennsylvania Auto Insurance Quotes

Before you buy Effort, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Effort, Pennsylvania auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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