Compare Lima, PA Car Insurance Rates (2021)

Car insurance in Lima, PA averages $414 a month. Lima, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lima car insurance rates, compare quotes from the top car insurance companies in Lima, 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

  • The cheapest car insurance company in Lima is USAA
  • Average car insurance rates in Lima, PA after a DUI are $5,477/year
  • Average car insurance rates in Lima, PA are $4,963/year

If you need to buy Lima, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in Lima, PA is right here.

You’ll find Lima car insurance rates, the cheapest Lima, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Lima, Pennsylvania car insurance rates to Reading car insurance rates, York car insurance rates, and Altoona car insurance rates.

Ready to find affordable Lima, PA car insurance today? Enter your ZIP code for fast, free Lima car insurance quotes.

Cheapest Lima, PA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lima, PA car insurance rates? Every Lima, 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 Lima, 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 $2,990 $2,990 $2,787 $2,787 $10,719 $10,719 $3,262 $3,262
GEICO $2,496 $2,156 $2,423 $2,093 $6,267 $5,430 $2,475 $2,138
Liberty Mutual $4,569 $4,569 $4,196 $4,196 $13,084 $13,084 $5,764 $5,764
Nationwide $2,154 $2,154 $2,048 $2,048 $6,055 $6,055 $2,416 $2,416
Progressive $3,288 $3,288 $2,962 $2,962 $10,423 $10,423 $4,081 $4,081
State Farm $2,025 $2,025 $1,798 $1,798 $7,048 $7,048 $2,244 $2,244
Travelers $2,308 $2,308 $2,523 $2,523 $36,513 $36,513 $2,748 $2,748
USAA $1,276 $1,276 $1,161 $1,161 $3,940 $3,940 $1,690 $1,690

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Minimum Car Insurance in Lima, PA

Every driver must carry the minimum car insurance in Lima, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car Insurance Coverage in Lima, 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 Lima, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lima, PA. Compare credit history car insurance rates in Lima from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lima, Pennsylvania

Insurance Company Poor Fair Good
Allstate $6,287 $4,728 $3,804
GEICO $4,794 $2,689 $2,071
Liberty Mutual $8,785 $6,327 $5,598
Nationwide $3,715 $3,061 $2,729
Progressive $6,860 $4,830 $3,876
State Farm $4,668 $2,889 $2,279
Travelers $11,970 $10,850 $10,250
USAA $2,525 $1,870 $1,655

Cheapest Lima, 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 Lima, PA to rates for a clean record with top companies.

Annual Lima, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,716 $5,610 $4,716 $4,716
GEICO $2,339 $4,030 $3,142 $3,228
Liberty Mutual $6,272 $7,244 $7,048 $7,048
Nationwide $2,304 $3,072 $4,246 $3,052
Progressive $4,691 $6,492 $4,856 $4,716
State Farm $2,985 $3,573 $3,279 $3,279
Travelers $7,744 $11,107 $14,134 $11,107
USAA $1,616 $2,247 $2,398 $1,807

Cheapest Lima, PA Car Insurance for Teen Drivers

Teen car insurance in Lima, PA can be expensive. Take a look at rates from the top car insurance companies in Lima for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lima, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,719 $10,719
GEICO $6,267 $5,430
Liberty Mutual $13,084 $13,084
Nationwide $6,055 $6,055
Progressive $10,423 $10,423
State Farm $7,048 $7,048
Travelers $36,513 $36,513
USAA $3,940 $3,940

Cheapest Lima, PA Car Insurance for Seniors

Take a look at Lima, 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 Lima, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,787 $2,787
GEICO $2,423 $2,093
Liberty Mutual $4,196 $4,196
Nationwide $2,048 $2,048
Progressive $2,962 $2,962
State Farm $1,798 $1,798
Travelers $2,523 $2,523
USAA $1,161 $1,161

Cheapest Lima, PA Car Insurance Rates After a DUI

A DUI in Lima, PA increases car insurance rates. Compare Lima, Pennsylvania DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lima, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,716
GEICO $3,142
Liberty Mutual $7,048
Nationwide $4,246
Progressive $4,856
State Farm $3,279
Travelers $14,134
USAA $2,398

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Cheapest Lima, PA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lima, PA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lima, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,833 $5,046
GEICO $3,136 $3,233
Liberty Mutual $6,730 $7,077
Nationwide $3,168 $3,168
Progressive $5,189 $5,189
State Farm $3,173 $3,384
Travelers $11,023 $11,023
USAA $1,959 $2,075

The Best Cheap Car Insurance Companies in Lima, PA

Take a look at a side-by-side comparison of the top car insurance companies in Lima, PA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lima, Pennsylvania

Insurance Company Average Annual Rates
Allstate $4,940
GEICO $3,185
Liberty Mutual $6,903
Nationwide $3,168
Progressive $5,189
State Farm $3,279
Travelers $11,023
USAA $2,017

Category Winners: Cheapest Car Insurance in Lima, Pennsylvania

Find the cheapest car insurance companies in Lima, PA for each category right here.

Best Annual Car Insurance Rates by Company in Lima, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Lima, PA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lima, Pennsylvania

Insurance Company Low Medium High
Allstate $4,673 $4,977 $5,169
GEICO $2,806 $3,224 $3,524
Liberty Mutual $6,498 $6,964 $7,248
Nationwide $3,132 $3,216 $3,157
Progressive $4,542 $5,224 $5,801
State Farm $3,034 $3,332 $3,470
Travelers $10,846 $11,077 $11,146
USAA $1,828 $2,040 $2,182

What affects car insurance rates in Lima, Pennsylvania?

What factors can have an impact on Lima, PA car insurance? There are several reasons why Lima car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lima, Pennsylvania.

Commute Time in Lima

The more time you spend in your car the higher the risk of an accident. The average commute length in Lima, PA is 23.9 minutes according to City-Data.

Compare Car Insurance Quotes in Lima, PA

Ready to find affordable Lima, Pennsylvania car insurance today? Enter your ZIP code for fast, free Lima, PA car insurance quotes.

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