Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Effort after a DUI is USAA
  • Average car insurance rates in Effort, PA for senior drivers are $2,511/year
  • The cheapest car insurance company in Effort for teen drivers is USAA

Average car insurance rates in Effort, Pennsylvania are $413 a month. But with a little research you can get a great deal from the top car insurance companies in Effort, PA. Before you buy Effort, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

It may even be helpful to compare Effort car insurance rates with Harrisburg car insurance rates, Reading car insurance rates, or Erie car insurance rates to make sure you’re getting the best Effort, PA car insurance quotes available.

Need affordable Effort, PA car insurance? Enter your ZIP code to compare Effort car insurance quotes from multiple car insurance companies near you.

Effort, PA Minimum Car Insurance Coverage

Effort, Pennsylvania law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Effort, PA Car Insurance Rates by Coverage Level

Some Effort drivers can get by with the Pennsylvania minimum coverage of 15/30/5. Other drivers may need more. See how much your Effort, Pennsylvania car insurance rates may be based on the coverage you need.

Annual Car 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

Effort, PA Car Insurance Rates by Age, Gender, and Marital Status

Effort, Pennsylvania car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Effort, PA car insurance, get quotes from multiple car insurance companies in the Effort area and see how these criteria affect your rates.

Annual Car 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

Effort, PA Car Insurance Rates for Teens

How much is Effort, Pennsylvania car insurance for teens? Compare rates from top Effort car insurance companies below to help find the cheapest teen car insurance in Effort, PA.

Annual Car 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

Effort, PA Car Insurance Rates for Seniors

Before seniors buy Effort, Pennsylvania car insurance, they should make sure to shop around. Some Effort, PA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Effort, PA Car Insurance Rates by Credit History

How does your credit history affect Effort, PA car insurance rates? Review the numbers here to find out.

Annual Car 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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Effort, PA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Effort, Pennsylvania car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Effort.

Annual Effort, Pennsylvania Car 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

Effort, PA Car Insurance Rates With a DUI

Even a single DUI can increase your Effort, PA car insurance rates. Compare rates below to see which Effort car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Effort, Pennsylvania

Insurance Company Annual Car 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

Effort, PA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Effort, PA car insurance rates may be. Let’s take a look at average car insurance rates from top Effort companies based on commute time.

Annual Car Insurance Rates by Commute Length in Effort, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Effort, PA Cheapest Car Insurance Rates

How do the top Effort, Pennsylvania car insurance companies’ average rates stack up against the Effort average monthly car insurance rates of $413? Take a look and see.

Best Annual Car 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

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Effort, PA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Effort, Pennsylvania car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Effort, PA Car Insurance Rates

Before you buy Effort, Pennsylvania car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Effort, PA Commute Time

How does your Effort, PA commute time compare with the average driver? In Effort, the average commute is 40.8 minutes.

Effort, PA Car Insurance Quotes

Compare Effort, PA car insurance quotes from multiple companies by entering your ZIP code now.