Best Cheap Auto Insurance in Gaines, PA (2021)

The average Gaines, PA auto insurance rates are $322 per month. The minimum auto insurance in Gaines is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Gaines, 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: Jul 17, 2021

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Things to Remember

  • Average auto insurance rates in Gaines, PA for senior drivers are $1,966 per year
  • The most expensive auto insurance company in Gaines for teen drivers is Travelers
  • The minimum auto insurance required in Gaines, Pennsylvania is 15/30/5

Gaines, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania auto insurance laws. Finding cheap auto insurance in Gaines 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 Gaines, Pennsylvania, including driving record, credit, commute time, and more.

Compare auto insurance in Gaines to other Pennsylvania cities, including Harrisburg auto insurance rates, Philadelphia auto insurance rates, and Pittsburgh auto insurance rates to see how Gaines, Pennsylvania auto insurance rates stack up.

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

Minimum Auto Insurance in Gaines, Pennsylvania

Gaines, 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 Gaines, Pennsylvania.

Minimum Required Auto Insurance Coverage in Gaines, 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 Gaines, Pennsylvania Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Gaines, 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 Gaines, 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 $2,175 $2,175 $1,984 $1,984 $6,792 $6,792 $2,414 $2,414
GEICO $2,044 $1,768 $1,892 $1,639 $5,037 $4,368 $2,076 $1,796
Liberty Mutual $4,040 $4,040 $3,696 $3,696 $11,916 $11,916 $5,145 $5,145
Nationwide $1,849 $1,849 $1,744 $1,744 $5,143 $5,143 $2,068 $2,068
Progressive $2,601 $2,601 $2,315 $2,315 $8,008 $8,008 $3,338 $3,338
State Farm $1,502 $1,502 $1,311 $1,311 $5,173 $5,173 $1,645 $1,645
Travelers $1,817 $1,817 $1,932 $1,932 $25,785 $25,785 $2,215 $2,215
USAA $1,084 $1,084 $977 $977 $3,142 $3,142 $1,445 $1,445

Cheap Gaines, Pennsylvania Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gaines, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,792 $6,792
GEICO $5,037 $4,368
Liberty Mutual $11,916 $11,916
Nationwide $5,143 $5,143
Progressive $8,008 $8,008
State Farm $5,173 $5,173
Travelers $25,785 $25,785
USAA $3,142 $3,142

Cheap Gaines, Pennsylvania Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gaines, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,984 $1,984
GEICO $1,892 $1,639
Liberty Mutual $3,696 $3,696
Nationwide $1,744 $1,744
Progressive $2,315 $2,315
State Farm $1,311 $1,311
Travelers $1,932 $1,932
USAA $977 $977

Cheap Gaines, 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 Gaines, Pennsylvania compared to the annual auto insurance rates with a clean record in Gaines, Pennsylvania.

Annual Gaines, Pennsylvania Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,206 $3,746 $3,206 $3,206
GEICO $1,896 $3,225 $2,550 $2,639
Liberty Mutual $5,702 $6,434 $6,330 $6,330
Nationwide $1,941 $2,596 $3,646 $2,621
Progressive $3,703 $5,036 $3,806 $3,717
State Farm $2,225 $2,591 $2,408 $2,408
Travelers $5,678 $8,014 $10,045 $8,014
USAA $1,343 $1,837 $1,966 $1,500

Cheap Gaines, Pennsylvania Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gaines, Pennsylvania

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,206
GEICO $2,550
Liberty Mutual $6,330
Nationwide $3,646
Progressive $3,806
State Farm $2,408
Travelers $10,045
USAA $1,966

Cheap Gaines, Pennsylvania Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gaines, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,289 $3,174 $2,562
GEICO $3,869 $2,179 $1,684
Liberty Mutual $7,916 $5,673 $5,008
Nationwide $3,175 $2,602 $2,326
Progressive $5,407 $3,769 $3,020
State Farm $3,428 $2,122 $1,674
Travelers $8,660 $7,797 $7,355
USAA $2,082 $1,541 $1,362

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Cheap Gaines, Pennsylvania Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gaines, Pennsylvania

ZIP Code Average Annual Rates
16921 $4,796

Cheap Gaines, Pennsylvania Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gaines, Pennsylvania

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,280 $3,403
GEICO $2,532 $2,623
Liberty Mutual $6,039 $6,360
Nationwide $2,701 $2,701
Progressive $4,065 $4,065
State Farm $2,337 $2,479
Travelers $7,938 $7,938
USAA $1,614 $1,709

Cheap Gaines, Pennsylvania Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gaines, Pennsylvania

Insurance Company Low Medium High
Allstate $3,210 $3,359 $3,455
GEICO $2,381 $2,597 $2,755
Liberty Mutual $5,965 $6,233 $6,399
Nationwide $2,739 $2,729 $2,635
Progressive $3,774 $4,091 $4,331
State Farm $2,281 $2,433 $2,509
Travelers $8,110 $7,916 $7,787
USAA $1,557 $1,675 $1,754

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Best By Category: Cheapest Auto Insurance in Gaines, Pennsylvania

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

Best Annual Auto Insurance Rates by Company in Gaines, 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 Gaines, Pennsylvania Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Gaines, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,341
GEICO $2,578
Liberty Mutual $6,199
Nationwide $2,701
Progressive $4,065
State Farm $2,408
Travelers $7,938
USAA $1,662

What affects auto insurance rates in Gaines, Pennsylvania?

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

Gaines Traffic

How does Gaines, Pennsylvania rank for traffic? According to Inrix Gaines, Pennsylvania is the 462nd most congested worldwide.

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Compare Gaines, Pennsylvania Auto Insurance Quotes

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

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