Best Lancaster, PA Car Insurance in 2025
Car insurance in Lancaster, PA averages $299 a month. Lancaster, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lancaster car insurance rates, compare quotes from the top car insurance companies in Lancaster, PA.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Updated October 2024
- Average car insurance rates in Lancaster, PA after a DUI are $3,928/year
- The cheapest car insurance company in Lancaster for teen drivers is USAA
- The cheapest ZIP code in Lancaster is 17601
If you need to buy Lancaster, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in Lancaster, PA is right here.
You’ll find Lancaster car insurance rates, the cheapest Lancaster, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Lancaster, Pennsylvania car insurance rates to Philadelphia car insurance rates, Altoona car insurance rates, and Lancaster car insurance rates.
Ready to find affordable Lancaster, PA car insurance today? Enter your ZIP code for fast, free Lancaster car insurance quotes.
Cheapest Lancaster, PA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lancaster, PA car insurance rates? Every Lancaster, Pennsylvania car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,261 | $2,261 | $2,105 | $2,105 | $7,868 | $7,868 | $2,466 | $2,466 |
| Geico | $1,782 | $1,544 | $1,699 | $1,473 | $4,485 | $3,889 | $1,783 | $1,545 |
| Liberty Mutual | $3,190 | $3,190 | $2,926 | $2,926 | $9,243 | $9,243 | $4,039 | $4,039 |
| Nationwide | $1,646 | $1,646 | $1,562 | $1,562 | $4,685 | $4,685 | $1,850 | $1,850 |
| Progressive | $2,567 | $2,567 | $2,295 | $2,295 | $8,443 | $8,443 | $3,272 | $3,272 |
| State Farm | $1,484 | $1,484 | $1,319 | $1,319 | $5,441 | $5,441 | $1,644 | $1,644 |
| Travelers | $1,586 | $1,586 | $1,725 | $1,725 | $23,706 | $23,706 | $1,895 | $1,895 |
| USAA | $1,022 | $1,022 | $927 | $927 | $3,122 | $3,122 | $1,348 | $1,348 |
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Minimum Car Insurance in Lancaster, PA
Every driver must carry the minimum car insurance required by the state in Lancaster, PA. Take a look at the Pennsylvania car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Lancaster, PA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lancaster, PA. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Lancaster from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,688 | $3,509 | $2,829 |
| Geico | $3,408 | $1,926 | $1,491 |
| Liberty Mutual | $6,187 | $4,440 | $3,922 |
| Nationwide | $2,854 | $2,353 | $2,100 |
| Progressive | $5,479 | $3,856 | $3,097 |
| State Farm | $3,518 | $2,178 | $1,719 |
| Travelers | $7,836 | $7,112 | $6,736 |
| USAA | $1,996 | $1,493 | $1,326 |
Cheapest Lancaster, PA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Lancaster, PA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,515 | $4,156 | $3,515 | $3,515 |
| Geico | $1,688 | $2,849 | $2,244 | $2,320 |
| Liberty Mutual | $4,401 | $5,092 | $4,953 | $4,953 |
| Nationwide | $1,762 | $2,358 | $3,274 | $2,348 |
| Progressive | $3,752 | $5,215 | $3,856 | $3,754 |
| State Farm | $2,248 | $2,695 | $2,472 | $2,472 |
| Travelers | $5,099 | $7,299 | $9,214 | $7,299 |
| USAA | $1,291 | $1,786 | $1,902 | $1,441 |
Cheapest Lancaster, PA Car Insurance for Teen Drivers
Teen car insurance in Lancaster, PA can be expensive. Take a look at rates from the top car insurance companies in Lancaster for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,868 | $7,868 |
| Geico | $4,485 | $3,889 |
| Liberty Mutual | $9,243 | $9,243 |
| Nationwide | $4,685 | $4,685 |
| Progressive | $8,443 | $8,443 |
| State Farm | $5,441 | $5,441 |
| Travelers | $23,706 | $23,706 |
| USAA | $3,122 | $3,122 |
Cheapest Lancaster, PA Car Insurance for Seniors
Take a look at Lancaster, PA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,105 | $2,105 |
| Geico | $1,699 | $1,473 |
| Liberty Mutual | $2,926 | $2,926 |
| Nationwide | $1,562 | $1,562 |
| Progressive | $2,295 | $2,295 |
| State Farm | $1,319 | $1,319 |
| Travelers | $1,725 | $1,725 |
| USAA | $927 | $927 |
Cheapest Lancaster, PA Car Insurance Rates After a DUI
A DUI in Lancaster, PA increases car insurance rates. Compare Lancaster, Pennsylvania car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,515 |
| Geico | $2,244 |
| Liberty Mutual | $4,953 |
| Nationwide | $3,274 |
| Progressive | $3,856 |
| State Farm | $2,472 |
| Travelers | $9,214 |
| USAA | $1,902 |
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Cheapest Lancaster, PA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lancaster, PA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,599 | $3,751 |
| Geico | $2,242 | $2,308 |
| Liberty Mutual | $4,727 | $4,973 |
| Nationwide | $2,436 | $2,436 |
| Progressive | $4,144 | $4,144 |
| State Farm | $2,399 | $2,545 |
| Travelers | $7,228 | $7,228 |
| USAA | $1,559 | $1,650 |
Cheapest Lancaster, PA Car Insurance Rates by ZIP Code
Lancaster car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lancaster, PA.
| ZIP Code | Average Annual Rates |
|---|---|
| 17601 | $4,467 |
| 17602 | $4,644 |
| 17603 | $4,511 |
| 17611 | $4,487 |
The Best Cheap Car Insurance Companies in Lancaster, PA
Take a look at a side-by-side comparison of the top car insurance companies in Lancaster, PA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,675 |
| Geico | $2,275 |
| Liberty Mutual | $4,850 |
| Nationwide | $2,436 |
| Progressive | $4,144 |
| State Farm | $2,472 |
| Travelers | $7,228 |
| USAA | $1,605 |
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Category Winners: Cheapest Car Insurance in Lancaster, Pennsylvania
Find the cheapest car insurance companies in Lancaster, PA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Lancaster, PA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Lancaster car insurance rates. Find the cheapest Lancaster, PA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,501 | $3,701 | $3,824 |
| Geico | $2,075 | $2,299 | $2,452 |
| Liberty Mutual | $4,590 | $4,889 | $5,070 |
| Nationwide | $2,441 | $2,471 | $2,395 |
| Progressive | $3,779 | $4,186 | $4,467 |
| State Farm | $2,290 | $2,510 | $2,615 |
| Travelers | $7,290 | $7,249 | $7,145 |
| USAA | $1,480 | $1,621 | $1,713 |
What affects car insurance rates in Lancaster, Pennsylvania?
What are the factors that affect car insurance rates in Lancaster, PA? There are several reasons why Lancaster car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lancaster, Pennsylvania.
Commute Time in Lancaster
The more time you spend in your car the higher the risk of an accident. The average commute length in Lancaster, PA is 21.0 minutes according to City-Data.
Traffic in Lancaster
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lancaster, PA traffic data from INRIX ranks Lancaster as the 297th-most congested in the world.
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Compare Car Insurance Quotes in Lancaster, PA
Ready to find affordable Lancaster, Pennsylvania car insurance today? Enter your ZIP code for fast, free Lancaster, PA car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Lancaster, PA?
To compare car insurance rates in Lancaster, PA, you can follow these steps:
- Research Insurance Companies: Gather a list of insurance companies that provide coverage in Lancaster, PA.
- Request Quotes: Contact each insurance company on your list and request a quote for car insurance specific to Lancaster.
- Provide Necessary Information: Be prepared to provide information about yourself, your vehicle, and your driving history when requesting quotes.
- Compare Quotes: Once you receive quotes from multiple insurers, compare the coverage options, premiums, deductibles, and any additional features or benefits offered.
- Consider Coverage Needs: Evaluate your specific coverage needs and choose a policy that offers adequate protection for your vehicle at a price that fits your budget.
What factors can influence car insurance rates in Lancaster, PA?
Several factors can influence car insurance rates in Lancaster, PA. These factors may include:
- Age and driving experience: Younger and less experienced drivers generally face higher insurance rates compared to older and more experienced drivers.
- Vehicle make and model: The type of vehicle you own can impact insurance rates. Factors such as the vehicle’s safety features, repair costs, and likelihood of theft can influence premiums.
- Location: The area where you live in Lancaster, PA, can affect insurance rates. Factors such as crime rates, accident frequency, and population density in the area can influence premiums.
- Driver’s record: Your driving history, including any accidents, traffic violations, or claims, can affect insurance rates. A clean driving record generally leads to lower premiums.
Are there any discounts available to reduce car insurance rates in Lancaster, PA
Yes, there may be discounts available to reduce car insurance rates in Lancaster, PA. Some common discounts that may be applicable include:
- Multi-vehicle discount: Insuring multiple vehicles with the same insurance provider can often lead to a discount on premiums.
- Good driver discount: If you have a clean driving record with no accidents or violations, you may qualify for a good driver discount.
- Bundling discounts: If you have other insurance policies, such as homeowners or renters insurance, bundling them with your car insurance from the same provider may result in a discount.
- Safety features discount: Vehicles equipped with advanced safety features may be eligible for a discount. Check with your insurance company to see which safety features qualify.
Do car insurance rates vary among insurance companies in Lancaster, PA?
Yes, car insurance rates can vary among insurance companies in Lancaster, PA. Each insurance company uses its own formula to calculate rates, considering factors such as your driving profile, vehicle details, and their claims experience. It’s important to compare quotes from multiple insurers to find the best coverage and rates for your specific needs.
Can I change my car insurance policy in Lancaster, PA if I find a better rate?
Yes, you have the option to change your car insurance policy in Lancaster, PA if you find a better rate. Before making any changes, review the terms and conditions of your current policy, including any cancellation fees or potential gaps in coverage. It’s also recommended to reach out to your current insurer to discuss any concerns or potential discounts they may offer to retain your business.
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