Compare Lancaster, PA Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lancaster, Pennsylvania

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 in Lancaster, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car Insurance Coverage in Lancaster, Pennsylvania

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. Compare credit history car insurance rates in Lancaster from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lancaster, Pennsylvania

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. Compare bad driving record car insurance rates in Lancaster, PA to rates for a clean record with top companies.

Annual Lancaster, Pennsylvania Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Lancaster, Pennsylvania

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 senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lancaster, Pennsylvania

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 DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lancaster, Pennsylvania

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.

Annual Car Insurance Rates by Commute Length in Lancaster, Pennsylvania

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.

Annual Car Insurance Rates by ZIP Code in Lancaster, Pennsylvania

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.

Average Annual Car Insurance Rates by Company in Lancaster, Pennsylvania

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.

Best Annual Car Insurance Rates by Company in Lancaster, Pennsylvania

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 coverage you choose will have an impact on your Lancaster car insurance rates. Find the cheapest Lancaster, PA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lancaster, Pennsylvania

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 factors can have an impact on Lancaster, PA car insurance? 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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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