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Cheapest car insurance in Natrona Heights, Pennsylvania (Jun 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Natrona Heights, Pennsylvania.
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Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

Cheapest car insurance quotes in Natrona Heights

On average,
auto insurance
in Natrona Heights costs about $90 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Natrona Heights drivers pay 19% less 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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$140
Patrick, 41
Zip: 15065
Nissan Sentra S
• State Minimum Liability
Safeco
$109
Polly, 49
Zip: 15065
Nissan Pathfinder S
• State Minimum Liability
• Comp / Collision
Nationwide
$93
Jordan, 36
Zip: 15065
KIA Optima LX
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$111
Mable, 27
Zip: 15065
Chrysler 200 S
• State Minimum Liability
Plymouth Rock
$112
Theodore, 34
Zip: 15065
Dodge Charger GT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 21, 2024

Best 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 companyOverall ratingPriceClaims experienceCustomer 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
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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.
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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: 
With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving. 
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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. 
As per Pennsylvania insurance law, full coverage offers
comprehensive
and
collision coverage
:
  • 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.
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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.
Lower my car insurance too!

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 $90 per month or $1,080 per year. On the other hand, full coverage in Natrona Heights can amount to $150 per month or $1,800 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: 
  • Your driving record and claims history:
    Car accidents
    and tickets tend to result in higher rates. 
  • 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?

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Allowed (with applicable limitations): Driving experience, age, occupation, credit history, education, marital status, employment status, residential status.
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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 TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
The General
$198
Angel, 29
Zip: 15065
Chrysler 300C
• State Minimum Liability
• Comp / Collision
Speeding 21+
Progressive
$140
Angel, 41
Zip: 15065
Nissan Sentra S
• State Minimum Liability
coverageLast Updated Jun 21, 2024

Cheapest 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.
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Jeremiah (40 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationNatrona Heights, PA
(Zip Code: 15065)
$77
per month
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Tony (33 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationNatrona Heights, PA
(Zip Code: 15065)
$70
per month

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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$140
Larry, 41
Zip: 15065
Nissan Sentra S
• State Minimum Liability
Not At Fault
Plymouth Rock
$160
Evelyn, 36
Zip: 15065
Jeep Grand Cherokee Laredo
• 25,000/50,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$109
Maurice, 49
Zip: 15065
Nissan Pathfinder S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 20, 2024

Cheapest 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Stop
Progressive
$140
Luella, 41
Zip: 15065
Nissan Sentra S
• State Minimum Liability
Driving on Sus. License
Plymouth Rock
$160
Todd, 36
Zip: 15065
Jeep Grand Cherokee Laredo
• 25,000/50,000 Liability
• Comp / Collision
Failure to Stop
Progressive
$140
Augusta, 41
Zip: 15065
Nissan Sentra S
• State Minimum Liability
Seat Belt
National General
$146
Ian, 36
Zip: 15065
Jeep Grand Cherokee Laredo
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated Jun 21, 2024

Cheap 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.
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Nathaniel (20 years old)
coverageCoverage
State Minimum
locationNatrona Heights, PA
(Zip Code: 15065)
$165
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.
card cover
Sue (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationNatrona Heights, PA
(Zip Code: 15065)
$77
per month
card cover
Allen (74 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNatrona Heights, PA
(Zip Code: 15065)
$68
per month

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.
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Juan (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationNatrona Heights, PA
(Zip Code: 15065)
$140
per month
card cover
Alberta (49 years old)
Currently Insured
coverageCoverage
State Minimum
locationNatrona Heights, PA
(Zip Code: 15065)
$109
per month
card cover
Hunter (36 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNatrona Heights, PA
(Zip Code: 15065)
$145
per month
card cover
Laura (36 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNatrona Heights, PA
(Zip Code: 15065)
$93
per month
card cover
Clearcover
Louis (36 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNatrona Heights, PA
(Zip Code: 15065)
$91
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$140
Peter, 41
Zip: 15065
Nissan Sentra S
• State Minimum Liability
coverageLast Updated Jun 17, 2024

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 include
    bundling home and auto insurance
    or 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 $90 per month – or $1,080 per year – on state-minimum liability coverage. Full coverage in Natrona Heights costs on average $150 per month or $1,800 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 $90 per month for state-minimum coverage and $150 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

avatar
Amy Bobinger
badge icon
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.
avatar
Kianna Walpole
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
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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.