Best Car Insurance in Westwood, PA — Compare Rates & Save

Compare Rates From Top Westwood Insurers

Car Insurance — Company Comparison

Insurer	NAIC Complaint Index	J.D. Power Score	AM Best Rating	Est. Monthly	Best For
SF State Farm Largest U.S. insurer	0.77	710 / 1,000	A++	$188	Local agent support, bundling discounts
GE GEICO Berkshire Hathaway	0.93	685 / 1,000	A++	$168	Lowest rates, military discounts, online convenience
PR Progressive 2nd largest U.S. insurer	1.23	665 / 1,000	A+	$211	Most coverage options, Name Your Price tool
AL Allstate Est. 1931	0.77	690 / 1,000	A+	$227	Pay-per-mile, Drivewise app, new car replacement
LM Liberty Mutual Fortune 100	1.08	670 / 1,000	A	$215	Accident forgiveness, new car replacement
FM Farmers Zurich Group	0.89	695 / 1,000	A	$219	Bundling discounts, Signal app savings
US USAA Military families only	0.42	890 / 1,000	A++	$155	Best overall satisfaction (military/veterans only)
NW Nationwide On Your Side	0.68	700 / 1,000	A+	$192	Vanishing deductible, pet coverage, SmartRide

$205

Avg. Monthly Premium (PA)

15/30/5

PA Minimum Liability

#16 Most Expensive

Cost Ranking

7.6%

Uninsured Drivers (PA)

Pennsylvania Car Insurance Requirements

Pennsylvania law requires drivers to carry minimum liability insurance. Here are the current state minimums — most experts recommend higher limits:

Bodily Injury / Person

$15,000

Minimum per person for injuries you cause

Bodily Injury / Accident

$30,000

Total per accident for all injuries

Property Damage

$5,000

Per accident for property you damage

Car Insurance Tips for Westwood

Car insurance for drivers in Westwood, Pennsylvania, requires a careful consideration of the borough’s unique blend of small-town character and regional risk factors. With a population of just 1,613 in Cambria County, Westwood offers relatively low traffic density compared to major urban centers, but its drivers still face distinct challenges. Many residents commute along winding, two-lane roads like Route 53 or through the nearby junctions of U.S. Route 219, which can become congested during peak hours. The proximity to these major highways means that even in a quiet borough, the risk of multi-vehicle accidents increases during daily commutes to nearby Johnstown or even Pittsburgh. Local driving conditions also include narrow residential streets and occasional deer crossings, particularly near wooded areas, which elevate the likelihood of collision claims.

Weather and climate are significant considerations for Westwood drivers. The region experiences harsh winters with frequent ice storms and heavy snowfall, which can lead to slick roads and reduced visibility, making comprehensive and collision coverage advisable. Spring and summer bring the threat of severe thunderstorms and the occasional tornado, as Cambria County lies within the risk zone for these events. Additionally, the area’s topography contributes to localized flooding, especially near creeks and low-lying roads. While hurricanes rarely strike directly, remnants of tropical systems can cause heavy rain and flash flooding. Hail is another concern, capable of damaging vehicles and prompting comprehensive claims. These weather patterns mean that a basic liability-only policy may leave drivers exposed to costly repairs.

Beyond weather, unique local factors further shape insurance needs. Westwood’s low population density generally results in fewer accidents per capita, but theft rates in Cambria County have historically been moderate, particularly for catalytic converters and older vehicles left unattended. The borough’s proximity to Interstate 99 and Route 22 also means that uninsured drivers—who account for 7.6% of Pennsylvania motorists—can pass through the area, increasing the importance of uninsured motorist coverage. Given that Pennsylvania’s average annual premium sits around $2,460, and the state minimum liability is just 15/30/5 ($15,000 per person for injury, $30,000 per accident, and $5,000 for property damage), Westwood drivers should consider higher limits to protect against the financial impact of a serious accident, especially with regional weather and commuting risks in mind. Tailoring a policy to include comprehensive, collision, and adequate uninsured coverage will provide the most robust protection for this community.

Frequently Asked Questions

Does living in a small town like Westwood, with a population of around 1,613, mean my car insurance rates will be lower than the Pennsylvania average of $2,460?

Not necessarily. While smaller towns often have lower traffic density and fewer claims, your individual rate in Westwood will still depend on factors like your driving record, age, and coverage level. The state average of roughly $2,460 per year is a baseline, but Westwood residents may still see rates near or slightly below that figure depending on their personal risk profile.

With Pennsylvania’s minimum liability requirement of 15/30/5, is that enough coverage for driving on the narrow roads and near the Delaware River in Westwood?

The state minimum of $15,000 per person, $30,000 per accident for bodily injury, and $5,000 for property damage is legally sufficient, but it may not be adequate for an accident involving a pedestrian or a vehicle on Westwood’s winding roads. Given the limited coverage, a higher liability limit is recommended to protect your assets in a town where local repair costs or medical bills could quickly exceed the minimum.

Since Westwood is a small borough with limited public transportation, do I need to add uninsured motorist coverage to my policy?

Yes, it is strongly advised. Although Westwood has a low population, Pennsylvania has a higher-than-average rate of uninsured drivers, and your state minimum policy does not automatically include uninsured motorist protection. Adding this coverage can help cover your medical bills and damage if you’re hit by a driver without insurance, which is a realistic risk even in a small community.

Data Sources: NAIC Complaint Index from the National Association of Insurance Commissioners Consumer Information Source (content.naic.org). Customer satisfaction scores from J.D. Power 2025 U.S. Auto Insurance Study. Financial strength ratings from AM Best. Average premium data from the NAIC Auto Insurance Database Report and the Pennsylvania Department of Insurance. All data is publicly available. This page does not constitute insurance advice. Data last verified May 2026.

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