Altoona Auto Insurance Rates, Quotes, Agents & Reviews in PA

Altoona, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Altoona, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Altoona, PA's Lowest Auto Insurance Cost

In Altoona, PA, the average cost of vehicle insurance is $1091. Auto insurance premiums vary greatly depending on individual rating variables, which Zimlon delves into further below. The cheapest form of auto insurance a person can have depends on their age and location when obtaining it, as well as other criteria imposed by state law or any firm they may be purchasing from with a range of rates.

Examine the factors and discounts accessible in Altoona in the table below.

Costs for Multi-Car Insurance

Altoona car owners might save money on insurance by purchasing multiple policies from the same company. Bundled rates are less expensive because your policies and claims are handled by one firm rather than many organisations. The following are some examples of average savings:

altoona_pas_lowest_auto_insurance_cost

Based on the driver's age

Teenagers and young drivers have higher insurance rates because they are perceived as more careless behind the wheel. In Altoona, minors pay $3540 on average for auto insurance, compared to $1080 and $1039 for older persons 30-40 years old. Car owners in Altoona can save money on their insurance by comparing age-based policies and taking advantage of discounts such as the good student/driver discount or defensive driving.

Depending on your credit score

Car insurance may be less expensive for those with good credit and a clean driving record. According to Zimlon's research, if you are a "excellent" driver with a score of 800 or higher, your average annual premium in Altoona is $936; however, if you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, your premiums will shoot up to $1137. In other words, car owners with good credit pay less than the average insurance cost, and car owners with bad credit spend up to $1780 in premiums.

Based on security features 

Cars with safety features not only safeguard the vehicle and its occupants, but they can also save money. Car insurance firms will offer discounts to road safety advocates who install as many safety features as possible on their vehicles. Depending on the type or amount of protective features installed, cost savings will vary. According to Zimlon's research, automobile owners in Altoona can save $1015 on auto insurance by installing passive disabling devices. In Altoona, installing features such as an audible alarm or an active disabling device can lower insurance prices to $1047. The average cost of insurance for cars equipped with active tracking systems is $1026.

Factors that can influence the cost of car insurance in Altoona, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Altoona, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Altoona, PA with that of other cities in and around Altoona.

Altoona Logan Greenwood Blair County Lakemont Duncansville
Average Insurance Rates $1,091 $1,414 $1,370 $1,395 $1,393 $1,382

Altoona, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Altoona, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Altoona $1,621 $1,369
Logan $1,109 $937
Greenwood $1,683 $1,422
Lakemont $1,700 $1,436
Blair County $1,088 $919
Hollidaysburg $1,453 $1,228
Duncansville $2,757 $2,329
Frankstown $971 $820

Altoona, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Altoona, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,540
20 Years $1,402
30 Years $1,080
40 Years $1,039
50 Years $962
60 Years $975
70 Years $1,135

Altoona, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Altoona, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,877 $305
3 Vehicles $2,815 $458
4 Vehicles $3,753 $611

Savings on 2 Vehicles bundle:$305

Savings on 3 Vehicles bundle:$458

Savings on 4 Vehicles bundle:$611


Altoona, PA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Altoona, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Altoona $1,091 $1,717
Logan $1,414 $2,226
Greenwood $1,370 $2,157
Lakemont $1,393 $2,193
Blair County $1,395 $2,196
Hollidaysburg $1,411 $2,221
Duncansville $1,382 $2,175
Frankstown $1,479 $2,328

Altoona, PA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $936
Excellent (740-799) $1,068
Good (670-739) $1,137
Average (580-669) $1,483
Poor (300-579) $1,780

Altoona, PA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Leonard Insurance Agency Travelers 1005 GRAY LN, DUNCANSVILLE, 16635 814-696-0200
Mountain Financial Group Llc Travelers 723 PUZZLETOWN RD, DUNCANSVILLE, 16635 814-695-4381
Warren A. Gingrich Agency, Inc. None 9 Logan Blvd, Altoona, 16602 None
Joshua Gibson Allstate 1381 Plank Rd Ste 105, Duncansville, 16635 (814) 977-3200
Marcy Clapper Farmers 414 Allegheny St Ste 1, Hollidaysburg, 16648 (814) 317-5068
Tammy V Watt Nationwide 710 Scalp Ave, Johnstown, 15904 (814) 322-1558
Gary D Shetter Jr Lutcf Nationwide 305 Union Ave, Altoona, 16602 (814) 944-4651
Muir-Hershberger Insurance Agency Erie 178 Ligonier Street, New Florence, 15944 None
Indiana Insurance Travelers ROSE STREET FINANCIAL SERVICES 823 ROSE ST, INDIANA, 15701 724-349-8780

Altoona, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$48 $1,139
Driver's Failure In Showing Documents +$106 $1,197
Driving With An Expired Registration +$112 $1,203
Driving At A Considerably Slow Pace +$237 $1,328
Using A Cellphone While Driving +$250 $1,341
Running A Red Light +$254 $1,345
Speeding +$267 $1,358
Driving A Vehicle Without The Required Permission +$339 $1,430
Driving With An Expired/Suspended License +$735 $1,826

Altoona, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,047
Active Disabling Device $1,047
Tracking Device $1,026
Passive Disabling Device $1,015

Latest Auto Insurance Reviews in Altoona, PA | Back to Top

State Farm
My insurance policy offerings are the same or better than other companies.
Nationwide
Nationwide's prices are competitive with other insurance companies. We get a discount on car insurance because of the homeowners policy. We get a good student discount for my college aged daughter.
Progressive
The premium and deductible of my policy compared to other car insurance companies, is very good. I get more for my money with this insurance company than others.