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
Recent Lancaster, Pennsylvania car insurance prices for Jeep , and more.
*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on July 25, 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 July 25, 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 July 25, 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 July 25, 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 $119 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
State Farm, Mile Auto, and Erie offer the cheapest overall auto insurance rates in Lancaster.
Pennsylvania requires drivers to purchase full or limited tort coverage.[1]
State Farm and Erie 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
9.3
$96
$51
Full coverage
Travelers
9.0
$145
$76
Teens and seniors
Foremost
3.3
$179
$69
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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
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.
$43/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.
$82/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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
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.
$65/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.
$123/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
It was a horrible experience. We were loyal customers for years and never filed any claims. However, this year, both my husband and I were involved in accidents. It was the first year we actually needed to utilize our insurance benefits, and we were dropped.
Sherran - July 23, 2024
Verified
No worries with Travelers
Good.
Carolyn - July 22, 2024
Verified
High Rates
It's 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.4/10
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.
$59/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.
$152/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
I assumed my payment would be on the first of every month, but it's not.
Christopher - September 13, 2022
Verified
Good
The roadside service is awful.
Travis - March 6, 2018
Verified
Average
They tell you one price and it ends up being something else.
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: State Farm
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.
State Farm offers the cheapest liability rates in Lancaster for $43 per month. The table below lists more top carriers for liability insurance in Lancaster.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$43
Mile Auto
$44
Erie
$50
Auto-Owners
$54
National General
$57
Foremost
$59
Travelers
$65
GEICO
$67
Progressive
$67
Safeco
$70
Allstate
$76
Plymouth Rock
$81
Direct Auto
$82
The General
$82
Nationwide
$85
USAA
$88
Chubb
$101
Dairyland
$104
Liberty Mutual
$106
Bristol West
$111
State Auto
$118
CSAA
$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 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 $60 per month. The table below lists other top carriers for full-coverage insurance.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$60
State Farm
$82
Erie
$94
Auto-Owners
$102
Plymouth Rock
$112
Midvale Home & Auto
$114
Safeco
$114
Travelers
$123
GEICO
$127
Progressive
$128
Allstate
$143
Liberty Mutual
$146
National General
$146
Foremost
$152
CSAA
$154
Direct Auto
$158
Nationwide
$162
USAA
$167
State Auto
$183
Chubb
$193
The General
$203
Bristol West
$206
Infinity
$209
Dairyland
$241
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 recent rates near Lancaster, Pennsylvania
Recent Lancaster, Pennsylvania car insurance prices for Jeep , and more.
*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on July 25, 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 July 25, 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 July 25, 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 July 25, 2024. 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 $57 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$100
$52
Erie
$118
$63
Auto-Owners
$126
$67
Safeco
$142
$87
Plymouth Rock
$148
$107
Travelers
$152
$80
GEICO
$156
$82
Progressive
$158
$83
Allstate
$175
$93
National General
$179
$70
CSAA
$194
$160
Direct Auto
$195
$101
Liberty Mutual
$197
$143
Nationwide
$201
$105
USAA
$205
$108
Foremost
$206
$80
Chubb
$241
$126
State Auto
$245
$158
Bristol West
$252
$136
The General
$252
$102
Dairyland
$297
$128
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 $62 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$108
$56
Erie
$126
$67
Auto-Owners
$134
$71
Safeco
$146
$90
Plymouth Rock
$161
$117
Travelers
$163
$86
GEICO
$168
$89
Progressive
$172
$90
Allstate
$189
$100
National General
$194
$76
Liberty Mutual
$210
$153
CSAA
$212
$175
Direct Auto
$213
$111
Nationwide
$216
$113
Foremost
$219
$85
USAA
$220
$116
Chubb
$256
$134
State Auto
$265
$171
Bristol West
$268
$145
The General
$273
$110
Dairyland
$317
$137
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 $64 per month.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$134
$70
Erie
$154
$82
Plymouth Rock
$164
$119
Auto-Owners
$167
$88
Safeco
$187
$115
Travelers
$202
$107
GEICO
$208
$110
Progressive
$210
$110
Allstate
$234
$125
Liberty Mutual
$239
$174
National General
$239
$93
Foremost
$249
$97
CSAA
$252
$208
Direct Auto
$259
$134
Nationwide
$265
$139
USAA
$274
$144
State Auto
$300
$193
Chubb
$316
$166
The General
$333
$134
Bristol West
$338
$182
Dairyland
$395
$170
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: State Farm
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 $113 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
$43
$31
State Farm
$60
$31
Erie
$66
$35
Auto-Owners
$75
$40
Plymouth Rock
$78
$57
Progressive
$86
$45
Safeco
$88
$54
Travelers
$91
$48
GEICO
$95
$50
National General
$107
$42
Allstate
$108
$57
Liberty Mutual
$111
$80
Foremost
$112
$43
CSAA
$113
$93
Nationwide
$114
$60
Direct Auto
$115
$60
USAA
$125
$66
State Auto
$132
$85
Chubb
$133
$69
Bristol West
$155
$84
The General
$156
$63
Dairyland
$181
$78
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 $69 per month.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$132
$69
Erie
$150
$80
Auto-Owners
$166
$88
GEICO
$189
$100
Travelers
$211
$111
Progressive
$219
$115
Plymouth Rock
$224
$162
Safeco
$226
$139
Allstate
$238
$127
CSAA
$238
$196
Liberty Mutual
$255
$185
Foremost
$256
$99
Nationwide
$263
$138
USAA
$263
$138
National General
$269
$105
Direct Auto
$274
$142
State Auto
$308
$199
The General
$310
$125
Bristol West
$332
$179
Chubb
$341
$178
Dairyland
$380
$164
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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Teen drivers can find rates as low as $69/month
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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 $119 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 $155 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 State Farm, Mile Auto, and Erie . 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.