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Cheapest car insurance in Natrona Heights, Pennsylvania (Nov 2024)
Cheapest car insurance in Natrona Heights, Pennsylvania (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Natrona Heights, Pennsylvania.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Cheapest car insurance quotes in Natrona Heights
- Best car insurance companies in Natrona Heights
- Best cheap car insurance quotes in Natrona Heights
- Car insurance quotes in Natrona Heights by rating factors
- How do different factors impact your car insurance costs in Natrona Heights?
- Cheap car insurance quotes in Natrona Heights after driving violations
- Cheap car insurance quotes in Natrona Heights by age
- Cheap car insurance quotes in Natrona Heights based on insurance history
- Cheap car insurance quotes in Natrona Heights for popular cars
- How to lower car insurance costs in Natrona Heights
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Natrona Heights
On average,
auto insurance
in Natrona Heights costs about $69 per month for minimum coverage liability insurance, and about $154 per month for full coverage insurance. Natrona Heights drivers pay -- than the Pennsylvania
average. There is a common misconception that popular car insurance providers consistently offer better rates than others—but in reality, no one company provides the best rates for everyone. To unlock the best insurance rates, you should
shop around
and collect quotes from multiple sources and choose the most suitable option for your needs.Every month,
Jerry
Insurance Agency helps savvy car insurance shoppers in Natrona Heights streamline the insurance comparison process and purchase affordable coverage. Here are some of the cheapest quotes we found. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $140 | Cecelia, 41 Zip: 15065 | Nissan Sentra S | • State Minimum Liability |
| Nationwide | $93 | Maurice, 37 Zip: 15065 | KIA Optima LX | • 50,000/100,000 Liability • Comp / Collision |
| Bristol West | $111 | Lulu, 28 Zip: 15065 | Chrysler 200 S | • State Minimum Liability |
| The General | $198 | Georgie, 29 Zip: 15065 | Chrysler 300C | • State Minimum Liability • Comp / Collision |
| Dairyland | $165 | Marian, 21 Zip: 15065 | Chevrolet Cavalier | • State Minimum Liability |
Last Updated Nov 25, 2024Best car insurance companies in Natrona Heights
Jerry administered the nation’s largest insurance shopping survey to uncover the truths about finding affordable insurance—including who offers the cheapest car insurance rates in Natrona Heights.
What we found: affordable car insurance rates aren’t housed by just one company. Each car insurance provider offers unique rates for their policyholders, so the cheapest provider for one driver may not be the cheapest provider for another. Factors like customer service and claims handling are also important to consider when choosing an insurer.
While State Auto,
Safeco
, Progressive
, National General, and Travelers
are all popular insurance companies in Natrona Heights, let’s take a look at how Natrona Heights drivers reviewed them on a scale of 0 to 5.| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.3 | 3.7 | 4.3 | 4.4 |
| Allstate | 4.1 | 2.8 | N/A | 4.3 |
| State Farm | 3.9 | 3.1 | 3.9 | 3.6 |
Liberty Mutual | 3.6 | 3.5 | 3.8 | 3.5 |
| Geico | 3.3 | 2.6 | 3 | 3.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Natrona Heights
Before you start shopping for car insurance in Natrona Heights, think about how much coverage you need to be fully protected. With the Jerry app, you can easily browse four tiers of coverage:
- Basic: State-required coverage
- Basic + Full coverage: State-required coverage, plus comprehensive and collision
- Standard: 50/100/50 liability coverage, plus full coverage and essential add-ons
- Preferred: 100/300/100 liability coverage, plus full coverage and top-tier add-ons like rental reimbursement
You can also adjust your coverage options to create the exact policy you need.
You’ll generally pay the least for a minimum liability policy, but it will also offer you the least amount of protection.
Most drivers will benefit from either a Standard or Preferred plan.
Cheap minimum liability insurance quotes in Natrona Heights
Drivers in Pennsylvania are legally required to carry minimum liability insurance to ensure financial responsibility while behind the wheel.
Pennsylvania’s car insurance requirements
are: - $15,000 per person ofbodily injury liability
- $30,000 per accident of bodily injury liability
- $5,000 per accident ofproperty damage liability
- $5,000 inpersonal injury protection (PIP)
With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Minimum liability insurance starts as low as $27 a month in Natrona Heights.
But because Pennsylvania’s liability limits are so low, it’s worth considering a policy that provides higher liability limits.
Do you need more than minimum coverage in Natrona Heights?
Natrona Heights drivers aren’t required to purchase more than minimum coverage—but you may need additional coverage to keep yourself fully protected on the roads.
If an at-fault accident occurs, you could face vehicle repair or replacement costs, as well as medical expenses that exceed the minimum limits of your state-required coverage. Serious injuries to another person or hefty vehicle damages can result in expenses of over $50,000 in some cases.
The bottom line: Consider medical benefits,
full coverage
with collision and comprehensive coverage, uninsured motorist coverage
, or at least 50/100/50 or 100/300/100 liability coverage for better financial protection.Cheap full coverage car insurance quotes in Natrona Heights
In the event of an accident that requires you to repair or replace your vehicle, full coverage is the best car insurance for covering your financial bases.
- Collision coverage covers the expenses associated with repairing or replacing your car
- Comprehensive coverage provides coverage if your car is stolen or damaged by non-collision incidents like theft or natural disasters
If you drive a leased vehicle, your lender will typically mandate full coverage with collision and comprehensive insurance.
Increasing your liability limits and adding full coverage may cost less than you think—especially when you shop with
Jerry
. Full coverage can start as low as $84 month in Natrona Heights.
Be sure to compare all of your coverage options to find the level of protection that you need.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Natrona Heights
From helping thousands of Natrona Heights insurance policyholders find the right coverage for their needs, we’ve observed that minimum liability coverage costs an average of $69 per month or $830 per year. On the other hand, full coverage in Natrona Heights can amount to $154 per month or $1,853 per year.
Average insurance rates are a great tool to help you get an idea of what your insurance costs could look like, but they won’t necessarily depict the reality of your premiums. Remember that each driver gets a unique rate determined by factors including the type of car, demographics, and driving and claims records.
Car insurance quotes in Natrona Heights by rating factors
Each insurer in Natrona Heights
determines your car insurance rate
based on several factors, including: - Where you keep your car: Your location and garaging/parking address will impact your premiums. Drivers who live in areas with higher incidences of claims typically pay more for insurance.
- The kind of car you have: Luxury vehicles, sports cars, and high-performance vehicles will incur higher costs for collision and comprehensive coverage.
- How you use your car: Drivers who use their car for leisure typically pay less than drivers who take their car to and from work.
- Your credit score: Insurance companies in Pennsylvania can use your credit score to assess your risk level. Those with lower credit scores tend to pay higher for insurance.
How do different factors impact your car insurance costs in Natrona Heights?
How do different factors impact your car insurance costs in Natrona Heights?
Allowed (with applicable limitations): Driving experience, age, occupation, credit history, education, marital status, employment status, residential status.
Prohibited (or effectively prohibited): Gender.
Learn more about the car insurance rating factors in Natrona Heights:
Cheap car insurance quotes in Natrona Heights after driving violations
Your driving history is one of the most influential factors when it comes to your insurance rate. Insurance companies are likely to charge you higher premiums if you have a history of violations that indicate a greater risk of insuring you and your vehicle.
Common driving violations in Natrona Heights include:
Cheapest car insurance in Natrona Heights after speeding ticket
Speeding is classified by different levels, including:
- 1-5 mph over limit
- 6-10 mph over limit
- 11-15 mph over limit
- 16-20 mph over limit
- 21+ mph over limit
A speeding ticket on your
driving record
will typically impact your car insurance premiums. Luckily, Jerry helps you save on car insurance even if you have a speeding ticket. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | The General | $198 | Ricky, 29 Zip: 15065 | Chrysler 300C | • State Minimum Liability • Comp / Collision |
Speeding 21+ | Progressive | $140 | Verna, 41 Zip: 15065 | Nissan Sentra S | • State Minimum Liability |
Last Updated Nov 24, 2024Cheapest car insurance in Natrona Heights after DUI
A
DUI offense
in Pennsylvania can lead to a higher increase in car insurance premiums compared to other infractions.Having a DUI offense on your record can mean significantly different car insurance rates between insurance companies, too. To find affordable options following a DUI, it’s therefore best to compare rates from multiple insurance providers before settling on a policy.
Jerry has helped many Natrona Heights drivers with DUIs find affordable car insurance rates following their violations.
Cheapest car insurance in Natrona Heights after an at-fault accident
Insurance providers look at your history of at-fault accidents to assess your level of risk. A recent at-fault accident can increase your car insurance rates significantly.
While Pennsylvania is a
no-fault state
, you can still be deemed at fault in a collision and responsible for paying property damages for another driver’s vehicle—even if you aren’t typically responsible for bodily injury damages. Filing a property damage liability claim for an at-fault collision can increase your rates. But Jerry has been able to help Natrona Heights drivers save on car insurance with at-fault accidents in their driving record.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $140 | Ada, 41 Zip: 15065 | Nissan Sentra S | • State Minimum Liability |
Not At Fault | Plymouth Rock | $160 | Manuel, 36 Zip: 15065 | Jeep Grand Cherokee Laredo | • 25,000/50,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $109 | Nicholas, 49 Zip: 15065 | Nissan Pathfinder S | • State Minimum Liability • Comp / Collision |
Last Updated Nov 25, 2024Cheapest car insurance in Natrona Heights after other driving violations
Apart from speeding tickets and DUIs, other violations—like
reckless driving
—can also result in high car insurance costs in Natrona Heights. But Jerry has helped affected drivers reduce their monthly insurance expenses.| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Stop | Progressive | $140 | Adam, 41 Zip: 15065 | Nissan Sentra S | • State Minimum Liability |
Driving on Sus. License | Plymouth Rock | $160 | Johanna, 36 Zip: 15065 | Jeep Grand Cherokee Laredo | • 25,000/50,000 Liability • Comp / Collision |
Failure to Stop | Progressive | $140 | Minerva, 41 Zip: 15065 | Nissan Sentra S | • State Minimum Liability |
Seat Belt | National General | $146 | Katherine, 36 Zip: 15065 | Jeep Grand Cherokee Laredo | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheap car insurance quotes in Natrona Heights by age
Your age will impact your Natrona Heights car insurance rates. If you’re a teen driver under 25, you can expect to pay higher premiums. Likewise, once you turn 75 you can expect your insurance rates to increase again.
Cheapest car insurance in Natrona Heights for young drivers
New drivers
between the ages of 16 and 24 generally pay the highest insurance premiums in Natrona Heights. Full coverage is a good idea for those with limited driving experience as it offers broader financial protection in case of an accident.One way to lower
teen car insurance rates
is to keep newer drivers on a parent or guardian’s policy. Jerry has helped both parents and young drivers in Natrona Heights find affordable premiums. 
Mamie (19 years old)
$322
per month
Cheapest car insurance in Natrona Heights for senior drivers
Car insurance rates tend to rise again once drivers reach their mid-70s. Older drivers are statistically more likely to be in an accident and experience serious injuries after a collision. Higher medical expenses encourage insurance providers to charge
senior drivers
steeper premiums.
Cheap car insurance quotes in Natrona Heights based on insurance history
Your insurance history plays a significant role in your car insurance rates. This includes whether you currently have an active insurance policy or not. A
lapse in your insurance coverage
can mean a higher premium.You can sign up for payment reminders with Jerry to make sure you never miss a car insurance payment. If your coverage has lapsed or you’re currently uninsured, however, Jerry can help you track down savings on a new policy.
Susie (41 years old)
$140
per month
Terry (36 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Natrona Heights, PA (Zip Code: 15065)
$93
per month
Clearcover
Jerry (36 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Natrona Heights, PA (Zip Code: 15065)
$91
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Never had an issue. Can't say I've had to make a claim or anything but they're easy to get ahold of and willing to help
Meghan
Awesome customer service and great cheap insurance super happy with my choice!
Brittany
Good company...fast towing services.
Ingrid
I love this insurance! They prices are reasonable and you can get everything you need just under an affordable rate.
Dakiyah
Cheap car insurance quotes in Natrona Heights for drivers with poor credit
Insurance companies in Pennsylvania are permitted to use
credit scores
when setting premiums. In general, drivers with poor credit scores are more likely to file claims and therefore pay more for insurance than those with good credit.Our data shows that drivers with credit scores over 750 tend to pay 20% less than drivers with credit scores under 550.
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $140 | Bettie, 41 Zip: 15065 | Nissan Sentra S | • State Minimum Liability |
Last Updated Nov 25, 2024Cheap car insurance quotes in Natrona Heights for popular cars
Car insurance premiums vary depending on the type of vehicle you have. Different repair and replacement costs, theft rates, and safety ratings all play a role in your premium.
In Natrona Heights, common car models include:
- Honda Civic
- Honda CR-V
- Toyota RAV4
- Jeep Cherokee
- Honda Accord
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic | Nationwide | $64 | Harriett, 30 Zip: 15065 | • 100,000/300,000 Liability |
| Honda Honda_cr-V | Nationwide | $72 | Jonathan, 36 Zip: 15065 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 25, 2024Cheapest car insurance in Natrona Heights for new vs. old car
New vehicles usually have higher insurance costs than older ones. On average, a car that’s 10+ years old costs around -- per year to insure in Natrona Heights. Cars less than 4 years old generally cost an average of -- per year.
Cecelia (41 years old)
$140
per month
Gainsco
Fannie (40 years old)
$100
per month
Marian (21 years old)
$165
per month
How to lower car insurance costs in Natrona Heights
1. Shop around and compare quotes
Each car insurance company calculates your premiums in different ways. That’s why it’s always a good rule of thumb to compare quotes from at least three different insurers when shopping for affordable car insurance. To ensure that you maintain the best prices available to you, it’s also recommended that you shop for new rates every six months.
Rather than spending hours researching quotes on your own, though, let Jerry do the heavy lifting for you. Designed to streamline the savings process, Jerry compiles the cheapest quotes for you from over 55 top insurers—all in just 45 seconds. The best part? Jerry provides this service entirely free of charge!
2. Hunt for car insurance discounts
One of the easiest ways to lower your car insurance is to apply for discounts through your insurer. Each company has a
set of discounts
that they offer; the most common of which include:- Good driver discounts: depending on your insurer, you can typically save as much as 20% on your premium by maintaining a clean driving record with no points or at-fault accidents in the last few years.
- Good student discounts: most insurers reward you with discounted rates if you’re a full-time student with a B average or higher.
- Customer loyalty discounts: you can typically cut costs on insurance by purchasing multiple policies through the same insurer. This can includebundling home and auto insuranceor insuring multiple vehicles in your household with the same provider.
- Low mileage discounts: driving your car less puts you at lower risk of getting into an accident and filing a claim. In recognition of this, several insurers offer lower rates to drivers who accrue less than 10,000 miles each year.
3. Increase your deductible for comprehensive and collision coverage
Another way you can cut costs on your car insurance rates is to request a higher deductible for your comprehensive and collision coverage. While you may end up paying more out-of-pocket by doing so, it can make monthly expenses much more manageable.
Why is car insurance in Natrona Heights so expensive?
Natrona Heights car insurance rates can be pretty steep for a few reasons:
- Insurance requirements: Because Pennsylvania is a no-fault state, Natrona Heights drivers must purchase car insurance with higher (and pricier) minimum insurance requirements than other areas.
- Bad traffic: As population trends upward in Natrona Heights, more cars on the road leads to busier traffic and increased accident risk.
- Uninsured drivers: The rate of uninsured drivers in Natrona Heights is relatively high compared to some other cities. The extra costs of an accident with an uninsured driver often translate into higher premiums.
- Expensive healthcare: Healthcare costs can be high in Natrona Heights, with some residents opting out of health insurance. In anticipation of increased medical expenses after an accident, insurers raise their rates.
- Car thefts and crime: As a state, Pennsylvania saw a 25% increase in car thefts from 2019 to 2020. More vehicles filing comprehensive claims for repairs or market pay-outs create higher premiums.
- Northern weather conditions: Natrona Heights gets its fair share of snowy roads, making it hard for drivers to avoid difficult winter driving conditions. Since this increases the risk of accidents and damage, insurance costs go up.
FAQ
How much is car insurance in Natrona Heights?
People living in Natrona Heights pay on average $69 per month – or $830 per year – on state-minimum liability coverage. Full coverage in Natrona Heights costs on average $154 per month or $1,853 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Natrona Heights?
Based on thousands of Natrona Heights drivers Jerry has worked with, car insurance in Natrona Heights costs an average of $69 per month for state-minimum coverage and $154 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Natrona Heights?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Natrona Heights drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
What is the minimum car insurance in Natrona Heights, Pennsylvania?
The state-minimum car insurance in Natrona Heights, Pennsylvania is as follows:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.