Car insurance in Farrell for an adult with a clean driving record and good insurance score costs $1,150 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Farrell by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Farrell.

Key Highlights
  • Car insurance in Farrell is cheaper than car insurance in Pennsylvania for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Farrell is $1,150 per year or $96 per month.
  • In Farrell, Nationwide offers the cheapest full coverage car insurance at $61 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What is the average cost of car insurance in Farrell, PA?

The average auto insurance rates in Farrell, PA at various coverage levels are listed below:

  • State minimum: $291 per year
  • Liability-only coverage (50/100/50): $369 per year
  • Full coverage (100/300/100): $1,150 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Nationwide$264$305$732
Travelers$226$304$856
Auto-Owners$222$300$1,106
Erie Insurance$205$272$1,118
State Farm$280$358$1,124
Geico$328$436$1,212
Allstate$286$337$1,309
Progressive$491$600$1,369
USAA$319$409$1,523

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Farrell, PA?

Out of all the carriers available in Farrell, Nationwide offers the cheapest full coverage car insurance at $61 per month.

The second-cheapest car insurance company in Farrell is Travelers, offering car insurance at $71 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Nationwide$61
Travelers$71
Auto-Owners$92
Erie Insurance$93
State Farm$94
Geico$101
Allstate$109
Progressive$114
USAA$127

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Farrell, PA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Pennsylvania is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Farrell, PA

See the average annual premium for drivers with two speeding tickets on their records in Farrell, PA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$105
Travelers$108
Nationwide$110
Allstate$118
Erie$118
Auto-Owners$142
Progressive$172
Geico$180
USAA$184

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Farrell, PA

See the average annual premium for a driver convicted of DUI in Farrell, PA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Travelers$104
State Farm$105
Allstate$109
Erie$137
Progressive$142
Nationwide$161
USAA$168
Geico$195
Auto-Owners$233

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Farrell, PA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Farrell, PA, by age

Age is a key factor when considering car insurance rates in most cities, including Farrell – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$1,592
16Auto-Owners$475
16Geico$288
16Erie Insurance$312
16Nationwide$296
16Progressive$448
16State Farm$357
16Travelers$269
16USAA$680
17Allstate$1,108
17Auto-Owners$347
17Geico$235
17Erie Insurance$291
17Nationwide$284
17Progressive$405
17State Farm$315
17Travelers$221
17USAA$413
18Allstate$789
18Auto-Owners$332
18Geico$214
18Erie Insurance$268
18Nationwide$248
18Progressive$344
18State Farm$280
18Travelers$182
18USAA$311
19Allstate$549
19Auto-Owners$264
19Geico$175
19Erie Insurance$234
19Nationwide$181
19Progressive$289
19State Farm$247
19Travelers$153
19USAA$250
20Allstate$460
20Auto-Owners$249
20Geico$163
20Erie Insurance$223
20Nationwide$155
20Progressive$261
20State Farm$220
20Travelers$138
20USAA$231
21Allstate$378
21Auto-Owners$160
21Geico$139
21Erie Insurance$165
21Nationwide$107
21Progressive$231
21State Farm$180
21Travelers$113
21USAA$208
22Allstate$319
22Auto-Owners$152
22Geico$132
22Erie Insurance$156
22Nationwide$94
22Progressive$201
22State Farm$164
22Travelers$102
22USAA$199
23Allstate$282
23Auto-Owners$144
23Geico$128
23Erie Insurance$150
23Nationwide$88
23Progressive$182
23State Farm$147
23Travelers$94
23USAA$189
24Allstate$257
24Auto-Owners$126
24Geico$122
24Erie Insurance$117
24Nationwide$84
24Progressive$168
24State Farm$135
24Travelers$90
24USAA$176
25Allstate$154
25Auto-Owners$109
25Geico$117
25Erie Insurance$116
25Nationwide$72
25Progressive$142
25State Farm$108
25Travelers$80
25USAA$171
30Allstate$122
30Auto-Owners$95
30Geico$106
30Erie Insurance$104
30Nationwide$65
30Progressive$126
30State Farm$97
30Travelers$77
30USAA$139
35Allstate$113
35Auto-Owners$93
35Geico$102
35Erie Insurance$98
35Nationwide$63
35Progressive$121
35State Farm$95
35Travelers$75
35USAA$132
40Allstate$109
40Auto-Owners$92
40Geico$101
40Erie Insurance$93
40Nationwide$61
40Progressive$114
40State Farm$94
40Travelers$71
40USAA$127
45Allstate$106
45Auto-Owners$91
45Geico$101
45Erie Insurance$89
45Nationwide$58
45Progressive$114
45State Farm$93
45Travelers$71
45USAA$123
50Allstate$99
50Auto-Owners$89
50Geico$101
50Erie Insurance$89
50Nationwide$56
50Progressive$108
50State Farm$91
50Travelers$70
50USAA$119
55Allstate$92
55Auto-Owners$86
55Geico$99
55Erie Insurance$88
55Nationwide$53
55Progressive$105
55State Farm$87
55Travelers$66
55USAA$116
60Allstate$86
60Auto-Owners$85
60Geico$97
60Erie Insurance$91
60Nationwide$52
60Progressive$105
60State Farm$86
60Travelers$66
60USAA$115
65Allstate$86
65Auto-Owners$86
65Geico$96
65Erie Insurance$95
65Nationwide$53
65Progressive$109
65State Farm$85
65Travelers$66
65USAA$117
70Allstate$93
70Auto-Owners$92
70Geico$97
70Erie Insurance$99
70Nationwide$55
70Progressive$121
70State Farm$89
70Travelers$69
70USAA$125
75Allstate$109
75Auto-Owners$99
75Geico$105
75Erie Insurance$110
75Nationwide$60
75Progressive$143
75State Farm$97
75Travelers$76
75USAA$138

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Farrell, PA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Nationwide$83
USAA$125
Auto-Owners$145
Allstate$188
Travelers$194
Progressive$198
State Farm$205
Geico$206
Erie Insurance$221

Final thoughts: Car insurance cost in Farrell, PA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Farrell, PA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Farrell, Pennsylvania.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.