Mountain Top drivers pay an average of $1,933/year — $162 more than the national average. With 140 crashes per year and a 1.7 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $265/year.
(888) 217-6781Estimated full coverage auto insurance rates for Mountain Top, PA from top carriers. Rates are adjusted for Mountain Top's 140 annual crashes, 1.7 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $735 | $122/mo |
| Erie Insurance | $772 | $129/mo |
| Progressive | $825 | $137/mo |
| State Farm | $904 | $151/mo |
| Allstate | $1,100 | $183/mo |
Estimates based on 2026 rate filings for ZIP 18706. GEICO is cheapest at ~$122/mo. Actual rates vary by driver profile and exact Mountain Top location.
These Mountain Top-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Mountain Top, PA. Takes under 2 minutes.
(888) 217-6781Mountain Top is a smaller city in Pennsylvania with a population of 11,489. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as nor'easters, heavy snow, flooding, thunderstorms, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Mountain Top.
For official Pennsylvania insurance regulations, visit the Pennsylvania Insurance Department. For driver licensing, see the PennDOT.
Your specific ZIP code within Mountain Top can swing your premium by hundreds of dollars. Here's how rates compare across Mountain Top neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 18715 | Mountain Top South Side | $1,846/yr | $154/mo |
| 18707 | Mountain Top North Side | $1,874/yr | $156/mo |
| 18722 | Mountain Top West Side | $1,911/yr | $159/mo |
| 18710 | Mountain Top East Side | $2,009/yr | $167/mo |
| 18706 | Mountain Top Downtown/Central | $2,058/yr | $172/mo |
The cheapest ZIP is 18715 (Mountain Top South Side) at $1,846/yr. The most expensive is 18706 (Mountain Top Downtown/Central) at $2,058/yr — a $212/year difference for the same driver.
Your Mountain Top ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Mountain Top. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,059/yr | $338/mo | +110% vs avg |
| Young Adult (20-25) | $2,706/yr | $226/mo | +40% vs avg |
| Adult (26-35) | $1,933/yr | $161/mo | 0% vs avg |
| Mid-Career (36-50) | $1,701/yr | $142/mo | -12% vs avg |
| Senior (51-65) | $1,604/yr | $134/mo | -17% vs avg |
| 65+ | $1,720/yr | $143/mo | -11% vs avg |
Teens in Mountain Top pay an average of $4,059/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,604/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Pennsylvania cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Mountain Top drivers can save up to $265/year. ZIP 18715 (Mountain Top South Side) has the lowest rates starting at $1,846/yr.
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