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

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

Zimlon, through its research, found that car owners in Fairhope, 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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Factors that can influence the cost of car insurance in Fairhope, 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.


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

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

Fairhope Naomi Belle Vernon Arnold City Speers North Belle Vernon
Average Insurance Rates $1,368 $1,980 $1,365 $1,340 $1,389 $1,369

Fairhope, 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 Fairhope, 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)
Fairhope $2,424 $2,047
Naomi $2,039 $1,723
Arnold City $1,249 $1,055
Dunlevy $1,901 $1,606
Lynnwood-Pricedale $2,756 $2,328
Belle Vernon $2,715 $2,293
North Belle Vernon $1,230 $1,039
Speers $1,486 $1,255

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

Teenagers in Fairhope, 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 $4,439
20 Years $1,758
30 Years $1,354
40 Years $1,303
50 Years $1,206
60 Years $1,223
70 Years $1,424

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

Car owners in Fairhope, 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 $2,353 $383
3 Vehicles $3,529 $575
4 Vehicles $4,706 $766

Savings on 2 Vehicles bundle:$383

Savings on 3 Vehicles bundle:$575

Savings on 4 Vehicles bundle:$766


Fairhope, 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 Fairhope, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Fairhope $1,368 $2,153
Naomi $1,980 $3,117
Arnold City $1,340 $2,109
Dunlevy $1,359 $2,139
Lynnwood-Pricedale $1,382 $2,175
Belle Vernon $1,365 $2,149
North Belle Vernon $1,369 $2,155
Speers $1,389 $2,186

Fairhope, 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) $1,174
Excellent (740-799) $1,340
Good (670-739) $1,425
Average (580-669) $1,860
Poor (300-579) $2,231

Fairhope, 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
Michael Williamson Farmers 214 W Main St, Monongahela, 15063 (724) 292-8066
Tommy Thomas State Farm 1110 Fayette Avenue, Belle Vernon, 15012-2319 724-929-8299
Klein Insurance Inc. Erie 1536 Lincoln Way, White Oak, 15131 None
Steven J Kenderes Agency Erie 213 Robertson Street, West Newton, 15089 None
The Colgan Agency Inc Travelers 537 Mckean Ave., Donora, 15033 None
The Colgan Agency Inc Travelers 537 Mckean Ave., Donora, 15033 None
Usi Midatlantic Inc Travelers 2000 OXFORD DR STE 420, BETHEL PARK, 15102 412-851-5202
Exchange Underwriters, Inc. None 235 W Main St, Monongahela, 15063 None
Smith Rupp & Fiore Insurance Management Travelers 5008 WINDOVER DR, PITTSBURGH, 15205 412-787-2939

Fairhope, 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 +$60 $1,428
Driver's Failure In Showing Documents +$133 $1,501
Driving With An Expired Registration +$141 $1,509
Driving At A Considerably Slow Pace +$297 $1,665
Using A Cellphone While Driving +$313 $1,681
Running A Red Light +$319 $1,687
Speeding +$335 $1,703
Driving A Vehicle Without The Required Permission +$425 $1,793
Driving With An Expired/Suspended License +$922 $2,290

Fairhope, 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 $1,313
Active Disabling Device $1,313
Tracking Device $1,286
Passive Disabling Device $1,272