6+ years writing about insurance, travel, and personal finances
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In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Cheapest recent rates near Lancaster, Pennsylvania
Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $73/mo for full coverage in Lancaster and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
State Farm, Travelers, and Foremost offer some of the cheapest rates in Lancaster. Policies are available for an average rate of $126 a month. However, drivers with poor credit history might pay more on average than drivers with better credit.
When shopping for cheap car insurance in Lancaster, your unique driver profile will influence rates. For instance, you may pay more if you have a history of accidents or traffic violations. You could also pay less if you’re eligible for multiple discounts. Compare multiple insurers to find the best rate for your coverage needs.
Quick Facts
Mile Auto, State Farm, and Foremost offer the cheapest overall auto insurance rates in Lancaster.
Pennsylvania requires drivers to purchase full or limited tort coverage.[1]
State Farm and Foremost have the lowest average car insurance rates for teen drivers in Lancaster, Pennsylvania.
Cheapest car insurance companies in Lancaster
Lancaster drivers will notice that factors like ZIP codes and your driving record influence auto rates, so there’s a good chance the right insurance company for you will depend on your individual situation. State Farm, Travelers, and Foremost are among the cheapest car insurance companies in Lancaster, according to Insurify data.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.6
$98
$52
Full coverage
Travelers
4.5
$148
$79
Teens and seniors
Foremost
3.3
$170
$68
Poor driving record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$89/mo
State Farm began as a company exclusively selling automobile insurance. It’s now the largest insurer in the nation by market share and has the cheapest rates for full-coverage auto policies in Lancaster.[2] Among State Farm’s auto coverage offerings are uninsured motorist/underinsured motorist and rideshare coverage, as well as more than a dozen discounts.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
There isn't much customer loyalty; discounts are negligible.
Charles - May 15, 2024
Verified
Good but Pricey
The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.
…
Cheapest insurance for teens and seniors: Travelers
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$74/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$105/mo
Travelers has been in the insurance industry since 1864 and has an AM Best financial strength rating of A++ (Superior), the highest available. Although it has a high J.D. Power rating in the Mid-Atlantic region, it has a low overall score across the nation.[3] Travelers also has a low Better Business Bureau (BBB) customer review score.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
This is a competitive company. My experience has been good. I purchased a new vehicle this past month. However, I think that my rate being raised from $189.00 for home and auto to around $370 is ridiculous, new vehicle or not.
Nancy - May 10, 2024
Verified
Do Not Do Business with Travelers Insurance
I would advise anyone seeking a recommendation not to do business with Travelers Insurance. I consider them to be a disreputable company. I had both my home and car insured with them and had no claims on either policy. However, they chose not to renew my homeowner's insurance. What's worse, they informed the mortgage company weeks before they informed me! They cited the reason as branches overhanging my roof. There were a couple of small branches from a neighbor's pine tree resting on the gutter. They did not give me any opportunity to correct this issue. I believe this was a malicious act.
Raymond Gary - April 21, 2024
Verified
Disappointed with the Outcome
We had a very minor collision while waiting at a traffic light. The vehicle in front of us claimed we crept forward. Since there was very little damage (none to our car), we submitted the claim. To our surprise, we found that the other driver reported $3000 worth of damage to the rear of his car, with the only visible damage being a cracked piece of chrome trim at the base of the hatch. We called Travelers immediately, warning them that it was a scam. They seemed indifferent and said they would pay the claim. This could be one of the reasons why insurance rates are so expensive.
Cheapest insurance with a poor driving record: Foremost
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo
Foremost is part of the Farmers Insurance Group, which includes Farmers and Bristol West. It has the lowest average rates for drivers with speeding tickets, DUIs, and at-fault accidents, according to Insurify data.
The company also offers a diminishing deductible, which could reduce your deductible by up to $250 to $500, depending on your policy, for every year you don’t file a claim.
Pros
Covers a wide variety of vehicles
Coverage available for high-risk drivers
Cons
Poor A.M. Best ratings
Company website gives no information on the company’s history or affiliations
How to get the cheapest car insurance in Lancaster
Getting the cheapest car insurance in Lancaster doesn’t always mean finding the insurer with the lowest advertised rates. Most insurers offer multiple discounts to qualified drivers.
To increase your savings, you can also consider these tips from the Insurance Information Institute:[4]
Raise your deductible. Opting for a higher deductible increases your out-of-pocket costs if you file a claim for a covered loss. High deductibles typically create lower monthly rates.
Reduce optional insurance on older cars. If the value of your car is significantly lower than your premium, you may want to consider dropping optional insurance coverages to save money.
Maintain a good credit history. Pennsylvania car insurance companies can lower your rates if you increase your credit score.
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Cheapest liability-only car insurance in Lancaster: Mile Auto
All drivers in Pennsylvania must maintain a minimum amount of insurance; most car insurance companies refer to this as a liability-only policy.
Mark Friedlander, director of corporate communications for the Insurance Information Institute, recommends all drivers carry 100/300/100 liability coverage levels no matter where they live to ensure they have adequate financial protection from at-fault accidents.
“This includes motorists who drive through Amish communities where horse-drawn buggies share the roads, which could present additional hazards,” Friedlander adds.
Mile Auto offers the cheapest liability rates in Lancaster for $47 per month. The table below lists more top carriers for liability insurance in Lancaster.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
47
State Farm
49
Foremost
51
Erie
57
National General
58
Auto-Owners
61
Safeco
64
Midvale Home & Auto
73
Travelers
74
GEICO
76
Progressive
76
The General
85
Allstate
86
Plymouth Rock
90
Direct Auto
91
Liberty Mutual
92
Dairyland
98
Nationwide
98
USAA
100
State Auto
103
Bristol West
115
Chubb
115
CSAA
152
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lancaster: Mile Auto
While Pennsylvania drivers must have at least liability-only coverage, optional insurance endorsements like collision and comprehensive coverage can provide even more protection. Full-coverage policies are typically a combination of liability, collision, and comprehensive insurance.
Collision insurance covers the damages to your vehicle when you hit an object or another driver, while comprehensive covers non-collision damages like vandalism, fire, and floods. Drivers who want the greatest level of protection should consider a full-coverage policy.[5]
Even though full-coverage policies usually cost more than liability-only policies, you can compare insurance quotes to find the cheapest policy for you. Mile Auto offers the cheapest full-coverage rates in Lancaster for $64 per month. The table below lists other top carriers for full-coverage insurance.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
64
State Farm
89
Erie
103
Travelers
105
Safeco
106
Auto-Owners
111
Plymouth Rock
122
Midvale Home & Auto
123
Nationwide
128
Liberty Mutual
134
Foremost
138
GEICO
138
Progressive
139
Direct Auto
146
Allstate
156
State Auto
172
National General
178
CSAA
182
USAA
182
The General
200
Chubb
210
Infinity
211
Bristol West
214
Dairyland
229
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Pennsylvania
Pennsylvania sets the minimum car insurance requirements for drivers in Lancaster. Minimum insurance requirements include bodily injury liability, property damage liability, and medical benefits coverage.
Drivers must also have either full or limited tort coverage, which define your right to sue an at-fault party in court for damages sustained. Full tort coverage allows covered drivers to sue at-fault parties for medical expenses, out-of-pocket expenses, and pain and suffering, while limited tort coverage lets drivers sue at-fault parties only for medical and out-of-pocket expenses relating to the accident.[1][6]
Coverage
Minimum Requirements
Bodily injury liability
$15,000 per person $30,000 per accident
Property damage liability
$5,000
Medical benefits
$5,000
Some drivers in Lancaster may want to purchase additional optional coverages for more financial protection, such as:[1]
Uninsured/underinsured motorist coverage
This covers you when an at-fault driver without insurance or adequate insurance coverage causes you injury or damage.
Accidental death benefit
This coverage provides reimbursement for an insured person if a death results from injuries within 24 months after the accident.
Extraordinary medical benefits
This provides coverage for up to $1 million for rehabilitation and medical expenses that exceed $100,000.
Funeral benefit/income loss
These coverages pay for a portion of lost wages or funeral expenses resulting from an accident.
Collision
This covers you and your vehicle when you collide with an object.
Comprehensive
This covers you and your vehicle against non-collision incidents, like theft and fire.
Gap coverage
This covers the remaining loan balance on a totaled car after insurance reimbursement.
Towing and rental reimbursement
These coverages pay for expenses related to rental car and towing costs from an accident.
Cheapest car insurance for drivers with an incident
These incidents can increase rates because they’re risky driving behaviors that have either caused an accident or have a higher likelihood of causing an accident than safe, responsible driving habits.
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State Farm offers the cheapest rates for Lancaster drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Data from the Pennsylvania Department of Transportation (DOT) shows that speed was the most common contributing factor in car crashes and fatal car crashes in 2021. Nearly 26,000 crashes occurred due to speeding, with 441 fatal crashes reported.[7]
Even if you don’t cause an accident while speeding, a speeding ticket can still increase your premium. Car insurance companies view a speeding ticket as a risky behavior that increases the likelihood of an accident.
Lancaster drivers with a speeding ticket can find the cheapest rates from Mile Auto for $62 per month. The table below lists full coverage and liability rates for drivers with a speeding ticket.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
107
59
Erie
128
71
Travelers
129
91
Safeco
131
79
Auto-Owners
135
74
Midvale Home & Auto
155
92
Nationwide
157
120
Plymouth Rock
161
119
GEICO
168
92
Progressive
169
93
Direct Auto
179
112
Liberty Mutual
181
124
Foremost
186
69
Allstate
189
104
USAA
221
121
CSAA
228
190
State Auto
228
137
National General
240
78
The General
246
105
Bristol West
258
138
Chubb
259
142
Dairyland
280
120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
Speeding is just one of many factors in a car crash, but it’s important to remember that you can still be at fault for damages in various instances that don’t include speeding or colliding with another car. For instance, you could jump a curb with your car, and your insurer could classify you as at fault for the damage.
Rates typically increase after an at-fault accident; however, some insurers offer accident-forgiveness programs that may not raise your rate after your first at-fault accident.
Mile Auto has the cheapest rates for drivers with an accident for $67 per month. If Mile Auto isn't the right insurer for you, check out the table below.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
115
63
Safeco
133
80
Erie
136
75
Travelers
137
96
Auto-Owners
143
79
Nationwide
167
128
Midvale Home & Auto
168
100
Plymouth Rock
173
128
GEICO
179
99
Progressive
183
100
Liberty Mutual
190
131
Direct Auto
194
121
Foremost
196
72
Allstate
202
111
National General
229
75
USAA
236
129
CSAA
247
206
State Auto
247
148
The General
264
112
Bristol West
273
146
Chubb
274
150
Dairyland
296
127
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
Along with speeding, the Pennsylvania DOT notes that impaired driving is a significant contributor to fatal crashes. In 2021, more than 8,000 reported crashes involved a driver who had allegedly been drinking, and 124 crashes were fatal.[7]
Car insurance rates will almost certainly increase if you’re convicted of a DUI/DWI. In some cases, an insurer can choose to either cancel or not renew your auto policy following a conviction.[8]
In Lancaster, Mile Auto offers the cheapest rates for drivers with a DUI at $69 per month.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
144
79
Erie
167
92
Travelers
170
120
Safeco
171
104
Plymouth Rock
176
130
Auto-Owners
180
99
Midvale Home & Auto
199
118
Nationwide
207
159
Liberty Mutual
217
149
Foremost
223
83
GEICO
223
123
Progressive
225
123
Direct Auto
236
147
Allstate
252
139
State Auto
278
167
National General
288
94
CSAA
294
246
USAA
294
162
The General
324
138
Chubb
340
186
Bristol West
346
186
Dairyland
370
159
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Senior drivers are overrepresented in crashes involving multiple vehicles, possibly due to deterioration of cognitive and physical driving abilities, according to the Pennsylvania DOT.[7]
On average, Lancaster seniors experience on average $60 per month for liability coverage, and $125 per month for full coverage.
Because older drivers are generally more likely to be involved in a fatal crash per traveled mile than middle-aged drivers, it’s common to see premium rates decrease around age 35 but increase again around age 70.[9]
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
45
33
State Farm
64
35
Erie
72
40
Travelers
77
54
Safeco
80
48
Auto-Owners
82
45
Plymouth Rock
85
63
Midvale Home & Auto
87
52
Nationwide
89
68
Progressive
93
51
Liberty Mutual
99
68
Foremost
101
37
GEICO
103
57
Direct Auto
105
66
Allstate
117
65
State Auto
124
74
CSAA
134
112
National General
134
44
USAA
136
75
Chubb
144
79
The General
154
65
Bristol West
161
86
Dairyland
172
74
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Although the highest risk of crash rates in teens is at age 16, the fatal crash rate for all teen drivers is four times higher than drivers 20 and older.[10] A lack of driving experience and potential for increased distractions or risky driving behaviors also contribute to higher rates for teenagers compared to other drivers.
To save as much money as possible, teens should look for good student, safe driver, and away-at-college discounts. Teens can also purchase a safer vehicle or stay on their parents’ insurance policy for as long as possible to potentially lower their rates.
State Farm offers the cheapest rates for teens in Lancaster fir $79 per month.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
143
79
Erie
164
91
Travelers
179
126
Auto-Owners
181
100
Midvale Home & Auto
203
121
GEICO
205
113
Nationwide
207
159
Safeco
212
128
Foremost
232
86
Liberty Mutual
237
163
Progressive
239
131
Plymouth Rock
245
181
Direct Auto
253
158
Allstate
259
143
CSAA
283
236
USAA
286
157
State Auto
289
173
The General
306
130
National General
316
103
Bristol West
345
186
Dairyland
364
156
Chubb
367
201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Lancaster car insurance quotes by credit tier
Pennsylvania state law allows insurance companies to review your credit history when determining rates for your initial car insurance policy. Insurance companies use your insurance score to rate your likelihood of filing a claim. However, insurers can only use this score to decrease, not increase, your policy rates during renewal periods.[11]
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lancaster?
The average car insurance rate in Lancaster is $126 per month, which is lower than the Pennsylvania state average and national average of $160.
While Lancaster rates are lower than national averages, Pennsylvania car insurance costs can still vary significantly among cities. Lancaster insurance is significantly cheaper than cities like Philadelphia and Allentown, while it’s similar to rates in Erie, Bethlehem, and York. Factors like population, motor vehicle theft rates, and cost of repairs can affect average rates.[12]
More cities in Pennsylvania
When comparing other Pennsylvania cities to Lancaster, it’s important to note that while Pittsburgh and Philadelphia are major cities in the Keystone State, one reason their rates may be so different is because of the significantly higher population in Philadelphia compared to Pittsburgh.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average monthly car insurance rates in Lancaster, Pennsylvania, are $171 for full coverage and $82 for liability only.
Who has the cheapest car insurance in Lancaster?
The cheapest car insurance companies in Lancaster, Pennsylvania, are Mile Auto, State Farm, and Foremost . These companies have average monthly rates of less than $100 and are worth considering for the lowest rates.
What are the best car insurance companies in Lancaster?
Among the best car insurance companies in Lancaster, Pennsylvania, are Erie, State Farm, and Auto-Owners. These companies balance high J.D. Power customer satisfaction ratings, above-average IQ Scores, and cheaper rates than competitors. However, you should compare quotes from at least three different insurance companies for the same coverage levels to find the best company for you.
What factors affect the cost of car insurance in Lancaster?
Factors like your age, driving record, ZIP code, vehicle, credit history, and gender can affect your car insurance costs in the city.[12]
How much car insurance do you need in Pennsylvania?
Pennsylvania requires 15/30/5 coverage, which translates to $15,000 per person and $30,000 per accident for bodily injury liability, and $5,000 in property damage liability. Drivers must also purchase $5,000 in medical benefits coverage and either full or limited tort coverage.[1]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
III. "What determines the price of an auto insurance policy?."
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.