Best Cheap Auto Insurance in Lancaster, Pennsylvania (2024)

State Farm offers the cheapest car insurance in Lancaster, with minimum-coverage policies as low as $43 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

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.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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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Updated June 16, 2024

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Cheapest recent rates near Lancaster, Pennsylvania

Drivers in and around Lancaster, Pennsylvania have found policies from National General, Liberty Mutual, GAINSCO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on June 12, 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 June 12, 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 June 12, 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 June 12, 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 CompanyIQ 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 CoverageLiability OnlyBest For
State Farm4.6$93$51Full coverage
Travelers4.5$141$77Teens and seniors
Foremost3.3$173$68Poor 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-5 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.

Cheapest full-coverage insurance: State Farm

Compare personalized, real-time quotes
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.
4.6
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.
$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.
$79/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

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Cheapest insurance for teens and seniors: Travelers

Compare personalized, real-time quotes
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.
4.5
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.
$64/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.
$118/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

Read our Travelers review
Kevin - June 15, 2024
Verified

Travelers Insurance Excellent Online Tools

The only issue was that the rate increased too much when new drivers were added.

Kevin - June 14, 2024
Verified

Looking for Another Company

It's not worth the money. My rate went up by almost $550 in less than a year.

Dorothy - June 6, 2024
Verified

Travelers Insurance

Travelers has been my insurance company for over 10 years and I am very satisfied.

Cheapest insurance with a poor driving record: Foremost

Compare personalized, real-time quotes
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.
3.7
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.
$56/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.
$142/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

Read our Foremost review
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.

Pamela - January 10, 2018
Verified

I was insured with them, but everything was set up through my husband. Our fees were expensive because he had a terrible driving record, so I understood why. However, when he suddenly passed away, it took me a while to make the necessary phone calls to people and businesses. When I finally contacted the insurance company, they still left the insurance in his name. They didn't refund me any of the money from his unused policy, which was still active for about a year. On top of that, they kept my rate really high, despite the fact that I've only had one ticket ever, and that was 20 years ago. I've been driving for 28 years. Then, they raised my insurance by almost double. So, I'm leaving them.

I was insured with them, but everything was set up through my husband. Our fees were expensive because he had a terrible driving record, so I understood why. However, when he suddenly passed away, it took me a while to make the necessary phone calls to people and businesses. When I finally contacted the insurance company, they still left the insurance in his name. They didn't refund me any of the money from his unused policy, which was still active for about a year. On top of that, they kept my rate really high, despite the fact that I've only had one ticket ever, and that was 20 years ago. I've been driving for 28 years. Then, they raised my insurance by almost double. So, I'm leaving them.

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.

Find Car Insurance in Lancaster, PA

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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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$43
Mile Auto$44
Erie$50
Auto-Owners$53
National General$54
Foremost$56
Safeco$64
Travelers$64
GEICO$66
Progressive$67
Midvale Home & Auto$73
Allstate$75
The General$79
Direct Auto$80
Plymouth Rock$80
Nationwide$85
USAA$88
Liberty Mutual$98
Dairyland$99
Chubb$101
Bristol West$107
State Auto$117
CSAA$122
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 $59 per month. The table below lists other top carriers for full-coverage insurance.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$59
State Farm$79
Erie$91
Auto-Owners$98
Safeco$104
Plymouth Rock$110
Midvale Home & Auto$112
Travelers$118
GEICO$121
Progressive$122
Nationwide$125
Liberty Mutual$133
Allstate$137
Direct Auto$142
Foremost$142
CSAA$153
State Auto$155
USAA$159
National General$167
Chubb$184
The General$194
Bristol West$201
Infinity$203
Dairyland$227
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

Drivers in and around Lancaster, Pennsylvania have found policies from GAINSCO, Allstate, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on June 12, 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 June 12, 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 June 12, 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 June 12, 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]

CoverageMinimum 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]

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This covers you when an at-fault driver without insurance or adequate insurance coverage causes you injury or damage.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Accidental death benefit

    This coverage provides reimbursement for an insured person if a death results from injuries within 24 months after the accident.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Extraordinary medical benefits

    This provides coverage for up to $1 million for rehabilitation and medical expenses that exceed $100,000.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Funeral benefit/income loss

    These coverages pay for a portion of lost wages or funeral expenses resulting from an accident.

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Collision

    This covers you and your vehicle when you collide with an object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    This covers you and your vehicle against non-collision incidents, like theft and fire.

  • illustration card https://a.storyblok.com/f/162273/100x100/4d03c561b5/declaration-page.svg

    Gap coverage

    This covers the remaining loan balance on a totaled car after insurance reimbursement.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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

Car insurance rates can increase from at-fault accidents, driving under the influence, speeding tickets, and other moving violations.

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. 

Find Car Insurance in Lancaster, PA

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 $58 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$96$52
Erie$114$62
Auto-Owners$120$65
Safeco$129$79
Midvale Home & Auto$142$92
Plymouth Rock$145$106
Travelers$145$79
GEICO$148$81
Progressive$149$82
Nationwide$154$105
Allstate$167$91
Direct Auto$175$98
Liberty Mutual$180$133
CSAA$192$153
Foremost$192$76
USAA$194$107
National General$199$64
State Auto$206$156
Chubb$228$125
The General$240$98
Bristol West$244$130
Dairyland$279$122
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 $63 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$102$56
Erie$121$66
Auto-Owners$127$69
Safeco$131$81
Midvale Home & Auto$155$101
Travelers$155$84
Plymouth Rock$157$114
GEICO$158$86
Progressive$162$89
Nationwide$164$112
Allstate$178$98
Direct Auto$189$107
Liberty Mutual$190$140
Foremost$203$80
USAA$207$115
CSAA$209$166
National General$217$70
State Auto$223$168
Chubb$241$132
Bristol West$258$137
The General$258$105
Dairyland$295$129
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 $65 per month.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$129$70
Erie$148$81
Auto-Owners$159$86
Plymouth Rock$159$116
Safeco$169$104
Midvale Home & Auto$182$119
Travelers$192$104
GEICO$197$107
Progressive$199$109
Nationwide$203$138
Liberty Mutual$216$159
Allstate$223$122
Direct Auto$231$130
Foremost$231$91
CSAA$249$199
State Auto$252$190
USAA$259$143
National General$272$88
Chubb$299$164
The General$316$129
Bristol West$327$174
Dairyland$369$161
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 $61 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto$42$31
State Farm$58$31
Erie$63$35
Auto-Owners$72$39
Plymouth Rock$77$56
Safeco$79$49
Midvale Home & Auto$80$52
Progressive$82$45
Travelers$87$47
Nationwide$88$60
GEICO$91$49
Liberty Mutual$99$73
Direct Auto$103$58
Allstate$104$57
Foremost$104$41
CSAA$112$89
State Auto$112$85
USAA$119$66
National General$126$41
Chubb$127$70
The General$149$61
Bristol West$151$81
Dairyland$171$75
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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$127$69
Erie$145$80
Auto-Owners$160$86
GEICO$179$98
Midvale Home & Auto$184$120
Travelers$201$109
Nationwide$202$137
Safeco$207$127
Progressive$209$115
Plymouth Rock$221$161
Allstate$227$124
Liberty Mutual$234$173
CSAA$237$189
Foremost$239$94
Direct Auto$246$139
USAA$249$138
State Auto$260$197
The General$296$121
National General$299$97
Chubb$322$177
Bristol West$324$172
Dairyland$359$157
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]

In many cases, having an excellent or good credit history indicates that you present a lower insurance risk than drivers with poor credit history, so drivers with better credit tend to pay lower rates.

Rates by Credit Tier

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.
Learn More: 12 Ways to Lower Car Insurance

Learn More: 12 Ways to Lower Car Insurance

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.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Allentown$241$102
Bethlehem$203$99
Harrisburg$188$90
Philadelphia$332$162
Pittsburgh$214$97
Reading$212$105
York$157$82
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.

Lancaster car insurance FAQs

Check out Insurify’s guides on the best car insurance for high-risk drivers in Pennsylvania and temporary car insurance for more information on different car insurance needs in the state.

  • How much is car insurance in Lancaster?

    Average monthly car insurance rates in Lancaster, Pennsylvania, are $155 for full coverage and $83 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.

Sources

  1. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  2. NAIC. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premiums."
  3. J.D. Power. "2022 U.S. Auto Insurance Study."
  4. III. "How to save money on car insurance."
  5. III. "What is covered by collision and comprehensive auto insurance?."
  6. Pennsylvania General Assembly. "Title 75 § 1705. Election of tort options.."
  7. Pennsylvania Department of Transportation. "2021 Pennsylvania Crash Facts & Statistics."
  8. III. "Do auto insurance premiums go up after a claim?."
  9. Insurance Institute for Highway Safety. "Older drivers."
  10. Insurance Institute for Highway Safety. "Teenagers."
  11. Pennsylvania Insurance Department. "How Credit Relates to Insurance: A Fact Sheet for Pennsylvania Consumers."
  12. III. "What determines the price of an auto insurance policy?."
Nick Dauk
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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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