Compare Johnstown, PA Car Insurance Rates [2024]
Car insurance in Johnstown, PA averages $319 a month. Johnstown, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Johnstown car insurance rates, compare quotes from the top car insurance companies in Johnstown, PA.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Johnstown, PA after a DUI are $4,193/year
- The cheapest car insurance company in Johnstown for teen drivers is USAA
- The cheapest ZIP code in Johnstown is 15902
If you need to buy Johnstown, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in Johnstown, PA is right here.
You’ll find Johnstown car insurance rates, the cheapest Johnstown, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Johnstown, Pennsylvania car insurance rates to York car insurance rates, Altoona car insurance rates, and Pittsburgh car insurance rates.
Ready to find affordable Johnstown, PA car insurance today? Enter your ZIP code for fast, free Johnstown car insurance quotes.
Cheapest Johnstown, PA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Johnstown, PA car insurance rates? Every Johnstown, Pennsylvania car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,470 | $2,470 | $2,269 | $2,269 | $8,169 | $8,169 | $2,728 | $2,728 |
| Geico | $2,025 | $1,752 | $1,899 | $1,644 | $5,149 | $4,465 | $2,042 | $1,767 |
| Liberty Mutual | $3,286 | $3,286 | $3,011 | $3,011 | $9,553 | $9,553 | $4,165 | $4,165 |
| Nationwide | $1,841 | $1,841 | $1,739 | $1,739 | $5,146 | $5,146 | $2,061 | $2,061 |
| Progressive | $2,884 | $2,884 | $2,578 | $2,578 | $9,442 | $9,442 | $3,696 | $3,696 |
| State Farm | $1,475 | $1,475 | $1,304 | $1,304 | $5,308 | $5,308 | $1,628 | $1,628 |
| Travelers | $1,714 | $1,714 | $1,846 | $1,846 | $25,182 | $25,182 | $2,066 | $2,066 |
| USAA | $1,062 | $1,062 | $960 | $960 | $3,175 | $3,175 | $1,406 | $1,406 |
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Minimum Car Insurance in Johnstown, PA
Every driver must carry the minimum car insurance in Johnstown, PA. Take a look at the Pennsylvania car insurance requirements.
| 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 |
Cheapest Johnstown, PA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Johnstown, PA. Compare credit history car insurance rates in Johnstown from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,000 | $3,725 | $3,002 |
| Geico | $3,893 | $2,192 | $1,694 |
| Liberty Mutual | $6,385 | $4,581 | $4,046 |
| Nationwide | $3,167 | $2,599 | $2,323 |
| Progressive | $6,148 | $4,324 | $3,478 |
| State Farm | $3,455 | $2,141 | $1,690 |
| Travelers | $8,378 | $7,573 | $7,155 |
| USAA | $2,061 | $1,533 | $1,359 |
Cheapest Johnstown, PA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Johnstown, PA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,743 | $4,408 | $3,743 | $3,743 |
| Geico | $1,907 | $3,282 | $2,544 | $2,638 |
| Liberty Mutual | $4,555 | $5,240 | $5,110 | $5,110 |
| Nationwide | $1,940 | $2,597 | $3,639 | $2,611 |
| Progressive | $4,207 | $5,842 | $4,333 | $4,218 |
| State Farm | $2,219 | $2,638 | $2,429 | $2,429 |
| Travelers | $5,467 | $7,773 | $9,795 | $7,773 |
| USAA | $1,331 | $1,833 | $1,953 | $1,487 |
Cheapest Johnstown, PA Car Insurance for Teen Drivers
Teen car insurance in Johnstown, PA can be expensive. Take a look at rates from the top car insurance companies in Johnstown for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,169 | $8,169 |
| Geico | $5,149 | $4,465 |
| Liberty Mutual | $9,553 | $9,553 |
| Nationwide | $5,146 | $5,146 |
| Progressive | $9,442 | $9,442 |
| State Farm | $5,308 | $5,308 |
| Travelers | $25,182 | $25,182 |
| USAA | $3,175 | $3,175 |
Cheapest Johnstown, PA Car Insurance for Seniors
Take a look at Johnstown, PA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,269 | $2,269 |
| Geico | $1,899 | $1,644 |
| Liberty Mutual | $3,011 | $3,011 |
| Nationwide | $1,739 | $1,739 |
| Progressive | $2,578 | $2,578 |
| State Farm | $1,304 | $1,304 |
| Travelers | $1,846 | $1,846 |
| USAA | $960 | $960 |
Cheapest Johnstown, PA Car Insurance Rates After a DUI
A DUI in Johnstown, PA increases car insurance rates. Compare Johnstown, Pennsylvania DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,743 |
| Geico | $2,544 |
| Liberty Mutual | $5,110 |
| Nationwide | $3,639 |
| Progressive | $4,333 |
| State Farm | $2,429 |
| Travelers | $9,795 |
| USAA | $1,953 |
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Cheapest Johnstown, PA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Johnstown, PA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,832 | $3,986 |
| Geico | $2,552 | $2,634 |
| Liberty Mutual | $4,876 | $5,131 |
| Nationwide | $2,697 | $2,697 |
| Progressive | $4,650 | $4,650 |
| State Farm | $2,358 | $2,500 |
| Travelers | $7,702 | $7,702 |
| USAA | $1,604 | $1,698 |
Cheapest Johnstown, PA Car Insurance Rates by ZIP Code
Johnstown car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Johnstown, PA.
| ZIP Code | Average Annual Rates |
|---|---|
| 15901 | $4,636 |
| 15902 | $4,438 |
| 15904 | $4,494 |
| 15905 | $4,613 |
| 15906 | $4,509 |
| 15909 | $4,467 |
| 15915 | $4,897 |
The Best Cheap Car Insurance Companies in Johnstown, PA
Take a look at a side-by-side comparison of the top car insurance companies in Johnstown, PA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,909 |
| Geico | $2,593 |
| Liberty Mutual | $5,004 |
| Nationwide | $2,697 |
| Progressive | $4,650 |
| State Farm | $2,429 |
| Travelers | $7,702 |
| USAA | $1,651 |
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Category Winners: Cheapest Car Insurance in Johnstown, Pennsylvania
Find the cheapest car insurance companies in Johnstown, PA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Johnstown, PA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Johnstown car insurance rates. Find the cheapest Johnstown, PA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,742 | $3,932 | $4,053 |
| Geico | $2,392 | $2,616 | $2,771 |
| Liberty Mutual | $4,761 | $5,040 | $5,211 |
| Nationwide | $2,731 | $2,728 | $2,631 |
| Progressive | $4,234 | $4,685 | $5,030 |
| State Farm | $2,270 | $2,461 | $2,556 |
| Travelers | $7,775 | $7,708 | $7,623 |
| USAA | $1,537 | $1,666 | $1,750 |
What affects car insurance rates in Johnstown, Pennsylvania?
What factors can have an impact on Johnstown, PA car insurance? There are several reasons why Johnstown car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Johnstown, Pennsylvania.
Commute Time in Johnstown
The more time you spend in your car the higher the risk of an accident. The average commute length in Johnstown, PA is 13.8 minutes according to City-Data.
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Compare Car Insurance Quotes in Johnstown, PA
Ready to find affordable Johnstown, Pennsylvania car insurance today? Enter your ZIP code for fast, free Johnstown, PA car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Johnstown, PA?
To compare car insurance rates in Johnstown, PA, you can follow these steps:
- Research insurance companies: Start by researching different insurance companies that operate in Johnstown, PA. Look for reputable providers that offer car insurance in your area.
- Gather information: Collect information about your vehicle, driving history, and personal details. This includes your car’s make and model, your driving record, and any other relevant information that insurance companies may ask for.
- Obtain quotes: Contact multiple insurance companies and request quotes based on the information you gathered. You can do this by calling their customer service or using their online quote tools.
- Compare coverage and prices: Once you receive the quotes, carefully compare the coverage options and prices offered by different insurance companies. Consider the coverage limits, deductibles, and any additional features or discounts provided.
- Evaluate customer reviews and ratings: Look for customer reviews and ratings of the insurance companies you are considering. This can give you insights into their customer service, claims handling, and overall satisfaction.
- Choose the best option: Based on your research, quotes, and customer feedback, select the car insurance policy that best suits your needs and budget.
What factors can affect car insurance rates in Johnstown, PA?
Several factors can influence car insurance rates in Johnstown, PA, including:
- Age and gender: Younger drivers, especially teenagers, generally have higher insurance rates. Additionally, statistics show that males often have higher rates than females in certain age groups.
- Driving history: Your driving record plays a significant role in determining insurance rates. If you have a history of traffic violations, accidents, or claims, your premiums may be higher.
- Vehicle make and model: The type of vehicle you drive can impact your insurance rates. Expensive or high-performance cars may have higher premiums due to the cost of repairs or their attractiveness to thieves.
- Location: Where you live can affect insurance rates. Urban areas with higher population densities and higher accident rates tend to have higher premiums.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select will affect your insurance rates. Higher coverage limits and lower deductibles usually result in higher premiums.
- Credit history: In some states, including Pennsylvania, insurers may use credit-based insurance scores when determining rates. Maintaining good credit can help keep your insurance rates lower.
- Mileage: The number of miles you drive annually can impact your rates. If you have a long daily commute or frequently drive long distances, you may have higher premiums.
Are there any specific auto insurance requirements in Johnstown, PA?
Yes, in Johnstown, PA, like the rest of Pennsylvania, there are specific auto insurance requirements. The state mandates the following minimum coverage limits:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $5,000 property damage liability coverage
These are the minimum requirements, but it’s advisable to consider higher coverage limits to adequately protect yourself and your assets in case of an accident.
How can I lower my car insurance rates in Johnstown, PA?
To lower your car insurance rates in Johnstown, PA, consider the following tips:
- Compare quotes: Shop around and obtain quotes from multiple insurance companies to find the most competitive rates available.
- Raise deductibles: Increasing your deductibles can lower your premiums. Just ensure you can comfortably afford the deductible amount in case of a claim.
- Bundle policies: If you have multiple insurance needs, consider bundling your car insurance with other policies, such as home or renters insurance, with the same provider. This may qualify you for a multi-policy discount.
- Maintain a clean driving record: Avoid traffic violations and accidents to maintain a clean driving record. Insurance companies often offer lower rates to drivers with a history of responsible driving.
- Take advantage of discounts: Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for certain safety features installed in your vehicle.
- Improve your credit score: Pay bills on time and manage your credit responsibly to maintain a good credit score. In states where credit is a factor, a higher score can lead to lower insurance rates.
- Drive fewer miles: If possible, reduce your annual mileage. Some insurance companies offer discounts for low-mileage drivers.
- Consider usage-based insurance: Some insurers offer usage-based insurance programs where rates are based on your actual driving habits. Installing a telematics device or using a mobile app to track your driving behavior may result in lower premiums if you have safe driving habits.
Can I get car insurance quotes online for Johnstown, PA?
Yes, many insurance companies allow you to get car insurance quotes online for Johnstown, PA. Most providers have user-friendly websites that allow you to enter your information and receive quotes instantly. You can also explore online insurance comparison websites that provide quotes from multiple companies, making it easier to compare rates. However, keep in mind that some insurers may still require additional information or a phone call to finalize the quote and purchase the policy.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.