120+ more*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on October 1, 2026. 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 October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Drivers in Lancaster, Pennsylvania, pay lower car insurance rates than the state average. Average insurance rates in Lancaster are $81 per month for liability-only insurance and $140 per month for full coverage. Insurance rates in neighboring Harrisburg are higher, at an average of $86 for liability coverage and $161 for full coverage, and higher than in Philadelphia, which average $165 per month for liability coverage and $288 per month for full coverage.
Lancaster’s below-average commute time and low rate of vehicle thefts may contribute to its relatively low auto rates.[1]
The cheapest insurer for liability-only insurance in Lancaster is Plymouth Rock, with rates averaging $41 per month. For full-coverage insurance, State Farm is the cheapest insurer in Lancaster, with rates averaging $73 per month. Auto rates in Lancaster are lower than the overall Pennsylvania average of $126 per month.
Pennsylvania car insurance requirements include $15,000 in bodily injury liability coverage per person and $30,000 per accident. You also need at least $5,000 in property damage liability coverage and at least $5,000 in medical benefits.[2]
While Pennsylvania doesn’t require full coverage, Lancaster drivers may want to consider purchasing extra insurance to protect their car in the case of an at-fault accident or animal collision. Animal collisions are the third-highest contributing factor to accidents in Lancaster County.[3]
In the table below, explore the cheapest car insurance rates for liability-only and full-coverage policies in Lancaster.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $41 |
| State Farm | $44 |
| Erie | $52 |
| National General | $52 |
| First Acceptance | $54 |
| Auto-Owners | $56 |
| Progressive | $57 |
| Allstate | $60 |
| The General | $61 |
| Travelers | $68 |
| GEICO | $70 |
| Safeco | $73 |
| Direct Auto | $74 |
| Bristol West | $84 |
| USAA | $92 |
| Root | $97 |
| Dairyland | $101 |
| Chubb | $106 |
| GAINSCO | $113 |
| Liberty Mutual | $114 |
| State Auto | $122 |
| CSAA | $149 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $73 |
| Erie | $85 |
| Auto-Owners | $91 |
| Plymouth Rock | $98 |
| Travelers | $110 |
| Allstate | $111 |
| National General | $114 |
| GEICO | $115 |
| Safeco | $116 |
| Liberty Mutual | $130 |
| First Acceptance | $133 |
| Progressive | $133 |
| Direct Auto | $144 |
| Bristol West | $149 |
| USAA | $149 |
| Root | $157 |
| Chubb | $172 |
| The General | $180 |
| State Auto | $200 |
| GAINSCO | $211 |
| CSAA | $213 |
| Dairyland | $246 |
Liability quotes start at $41/mo.
Car insurance rates in Lancaster average $111 per month, which is lower than the Pennsylvania average of $126 per month. Rates in neighboring Harrisburg are higher than in Lancaster, with an average monthly rate of $124.
Lancaster has a lower vehicle theft rate and shorter commute time than the state average, which could contribute to its more affordable rates. Lancaster also has a fairly low population density, according to U.S. Census Bureau data, which means fewer drivers on the road and less risk for accidents.
Explore the average costs of car insurance in different Pennsylvania cities in the table below.
City | Average Monthly Quote |
|---|---|
| State College | $96 |
| Hanover | $98 |
| Chambersburg | $109 |
| Altoona | $110 |
| Pottsville | $111 |
| Bethlehem | $116 |
| Erie | $119 |
| York | $120 |
| Wilkes-Barre | $121 |
| Harrisburg | $124 |
| Pittsburgh | $125 |
| Phoenixville | $130 |
| Scranton | $132 |
| Reading | $136 |
| Bristol | $149 |
| Allentown | $153 |
| Chester | $196 |
| Philadelphia | $227 |
Lancaster drivers should be aware of potential parking issues, particularly around Penn Square, Prince Street, and South Queen Street.[4] Drivers should pay close attention to parking restrictions, especially during winter, when the city may need to clear streets for snow removal operations.
Heavy rain and flooding is another concern, as it can create hazardous driving conditions throughout Lancaster County.
The county maintains a real-time flood-risk dashboard that tracks rainfall forecasts and stream gauge levels, so you can make informed driving decisions.
A few large roads run through Lancaster: Interstate 76, Route 30, Route 222, and Route 283.[5] While there’s no current major construction happening on these roads in Lancaster, smaller maintenance projects can cause congestion on the Route 30/Route 222 interchange.[6]
Monthly rates start at $51 for drivers with an incident
Your driving record can affect your car insurance quotes in Lancaster, especially if you have incidents on your record, such as driving under the influence (DUI) convictions, speeding tickets, and at-fault accidents. About 5% of Lancaster drivers have an accident on their record, 2% have a ticket, and 0.8% have a DUI, according to Insurify data.
Pennsylvania is a no-fault state, meaning your car insurance policy will cover your medical expenses after a car accident, up to your coverage limits, regardless of fault. When you buy car insurance in Pennsylvania, you can select either “limited tort” or “full tort” coverage, which affects your ability to sue the other driver for pain and suffering.[7]
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $111 |
| Speeding ticket | $125 |
| At-fault accident | $137 |
| DUI | $179 |
Your age can affect the car insurance rates you get in Lancaster. Teen drivers in Lancaster generally pay more for auto insurance than adults, with monthly averages of $138 for liability-only coverage and $239 for full coverage.
Pennsylvania has a Zero Tolerance law for drivers younger than 21 who drink and drive. Drivers younger than 21 with a blood alcohol content of 0.02 or higher could face severe penalties, including fines of up to $5,000 and jail time.[8]
Lancaster seniors aged 65 and older make up about 22% of the population, according to U.S. Census Bureau data. Senior drivers in Lancaster pay an average of $70 per month for liability coverage and $121 per month for full coverage.
The table below highlights the average rates for Lancaster drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $139 |
| 20s | $98 |
| 30s | $87 |
| 40s | $84 |
| 50s | $74 |
| 60s | $70 |
| 70+ | $68 |
*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on October 1, 2026. 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 October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
){kind=small}
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
){kind=small}
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Explore answers to frequently asked questions about auto insurance in Lancaster below.
On average, car insurance in Lancaster, PA, costs $81 per month for liability coverage and $140 per month for full coverage.
Plymouth Rock offers the cheapest liability car insurance in Lancaster, with an average rate of $41 per month. State Farm offers the cheapest full-coverage insurance in Lancaster, averaging $73 monthly.
Driving without insurance in Lancaster can result in penalties such as a $300 fine, a three-month driver’s license and registration suspension, and restoration fees, before you’re able to drive again.[9]
Various factors affect car insurance rates in Lancaster, PA, including your overall driving history, age, vehicle type, and the coverage limits and deductible you choose. Car insurance discounts, such as a multi-policy discount or good driver discount, can also affect your auto rate.
Yes. Some local insurance companies that offer good rates for new drivers are State Farm, First Acceptance, and Erie.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
