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How do rates in Phoenixville measure up compared to neighboring areas, including Pennsylvania as a whole? What rates should residents of Phoenixville expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Phoenixville | $67 |
| PA | $71 |
| United States | $81 |
Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Phoenixville than it is in the rest of Pennsylvania.
When stacked up against the national average, the average monthly policy payment for Phoenixville is more affordable. Car insurance rates for the United States as a whole are, on average, $14 more expensive than the rates you'd pay in Phoenixville.
While these are the average car insurance rates for Phoenixville, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Phoenixville so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $119 |
| 25-34 | $48 |
| 35-44 | $55 |
| 45-54 | Not Enough Data |
| 55-64 | $32 |
| 65+ | $68 |
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Phoenixville.
Gender | Average |
|---|---|
| Male | $63 |
| Female | $73 |
While women typically pay less than men do for auto insurance, Phoenixville goes against the grain. Female drivers typically pay around $10 more per month to insure their car than their male counterparts.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $57 |
| Multiple Accidents | $83 |
| 1 Ticket | $135 |
| Multiple Tickets | Not Enough Data |
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Phoenixville, having a single accident on your record will usually get you rates around $57 a month. In addition, drivers with a single ticket on their record can expect to pay around $135 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $44 |
| 2-3 Years | $47 |
| 4-5 Years | $30 |
| 6-7 Years | $48 |
| 8-10 Years | $70 |
| 11-14 Years | $91 |
| 15 Years or Older | $63 |
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Phoenixville are vehicles eleven-to-fourteen years old.
In Phoenixville, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $47 per month for auto insurance coverage.
Car owners can expect to pay an average of around $73 a month for their policy, while SUVs usually cost around $53 a month to insure.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $65 |
| Married | $66 |
| Divorced | $62 |
| Widowed | $85 |
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups are about the same in Phoenixville.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $60 |
| Rent | $68 |
| Live with parents | $133 |
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Phoenixville. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Phoenixville, the rates for car insurance declined from 2017-2018, before steadying out in 2019. Rates have been decreasing again recently, and were down to $43 in 2022.
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
Local regulations
Number of car accidents
Prevalence of crime
Access to off-street parking
Total drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Phoenixville.
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Phoenixville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
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