Best Auto Insurance Rates in Altoona, Pennsylvania

On average, your neighbors pay $73 a month.

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Altoona has grown considerably since the 1700s—thanks in large part to the Pennsylvania Railroad. In 1850, the railroad helped to develop the city, and from then to now it has been an integral part of Altoona’s history.

Thanks to this great history, Altoona has become a key competitor in the region’s tourist industry. If you prefer traveling by cars that drive on the road rather than along railroad tracks, though, you're going to need car insurance. We can help you get it at a price that fits your budget as well as your needs.

Average Altoona Car Insurance Rates

How much is car insurance in Altoona, PA? You won't be surprised to learn that rates here are expensive. Many Altoona drivers pay much more for coverage than the state and national average. The average cost of auto insurance in Pennsylvania is $878.18 per year. The national average price is $889.01.

Prices can vary depending on several factors. These include your driving record, claims history, your car make and model, and more.

Pennsylvania Average Annual Car Insurance Rates
Coverage Rates
Liability $499.06
Collision $327.24
Comprehensive $144.21
Total Cost Per Year $878.18
Price Per Month $73.18
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Pennsylvania insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Pennsylvania car insurance rates increased from $812 in 2011 to $878 in 2015, a jump of $65, or 8.05 percent.

Pennsylvania average car insurance rates

With QuoteWizard, you can compare quotes from a number of insurance providers and local independent agents. Comparing quotes can help you find cheap car insurance rates near Altoona, Pennsylvania and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare car insurance quotes in Altoona, PA from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Altoona, PA

These were the most common car insurance companies reported by QuoteWizard users living in Altoona last year.

Top 10 Vehicles

These are the most common car makes and models owned by Altoona drivers who requested quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Impala
  3. Ford Ranger
  4. Jeep Cherokee Sport
  5. Ford Focus SE
  6. Ford Explorer
  7. Chevrolet Cobalt LS
  8. Buick Century Custom
  9. Nissan Altima 2.5 S
  10. Dodge Ram 1500 Quad
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Altoona, PA

Altoona, Pennsylvania has a minimum liability coverage requirement known as the 15/30/5 rule. This means each insurance policy must include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurance carrier will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The most your provider will pay for property damage caused by a car accident.
  • Medical Payments: $5,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident, regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

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Weather

Altoona’s climate is “humid continental.” That means summers are hot and humid and there is no real dry season. The city enjoys around 191 days a year with full or partial sunshine. Its winters can be cold. Altoona experiences about 25 inches of snowfall annually.

Road Conditions

TRIP reports that 37 percent of Altoona’s major roads are in poor or mediocre condition. Another 21 percent are in fair condition. These pothole-filled streets costs drivers in Pennsylvania $3 billion a year in extra vehicle operating costs. Rough roads can damage cars and can play a role in traffic accidents.

Traffic Congestion

Surprisingly, Altoona has some of the worst traffic congestion problems in Pennsylvania. According to Inrix 2015 Scorecard, Altoona commuters spend an extra 1,095 hours annually stuck in traffic. That’s 13 hours per commuter. Not to mention they send around $291 per commuter in extra congestion costs.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and raise your insurance rates. If this happens, you'll need to start looking for cheaper insurance for high-risk drivers.

Traffic Tickets

The Administrative Office of the Pennsylvania Courts' website allows you to pay fines to any district court.

DUI Arrests

The Altoona Police Department arrested 217 offenses in 2014 for driving under the influence (DUI). This is a 25 percent increase from the 174 drivers arrested in 2013.

As well as the 217 DUI offenses, there were 81 accidents related to DUI and another 201 violations related to DUI. 

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Altoona DUI insurance.

DWI Crashes and Injuries

Altoona reported 42 crashes involving alcohol or drugs in 2017. These accidents caused 15 injuries but nofatalities.

Car Accident Statistics

Altoona officials reported 578 car crashes in 2017. These crashes resulted in 246 injuries, 17 of them serious.

Car Accident Fatalities

Altoona reported no car accident fatalities in 2017. All traffic deaths are a tragic loss, and considering Altoona's estimated population of 302,407, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Altoona Police recorded 44 motor vehicle thefts in 2017. The city is a safe place to own a car thanks to its theft rate of 1.00 per 1,000 residents. This is well below the US average, which is 2.37 car thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the auto insurance discounts available to drivers in Altoona, PA.

  1. Install anti-theft devices or a car alarm system
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  6. Are you married or getting married soon? Some insurers offer a discount to married couples

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