Best Cheap Auto Insurance in Lancaster, Pennsylvania (2024)

Lancaster drivers searching for cheap car insurance can consider insurers with rates cheaper than the national and state averages. However, the best car insurance will be the insurer that has the coverage options you need to feel secure on the road.

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 February 26, 2024 at 11:00 AM PST

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State Farm, Mile Auto, and Erie offer the cheapest overall auto insurance rates in Lancaster. Policies are available for an average rate of $183 a month. However, drivers with poor credit scores 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
  • Lancaster drivers pay $183 a month, on average, for car insurance — 15% less than the national average and 16% less than the state average.

  • Pennsylvania requires drivers to purchase full or limited tort coverage.[1]

  • Travelers 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.

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Cheapest full-coverage insurance: State Farm

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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.
4.4
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.
$53/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.
$98/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

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.

Cheapest insurance for teens and seniors: Travelers

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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.
4.3
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.
$79/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.
$116/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

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

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 2023
Verified
Read our Travelers review

Travelers has been in the insurance industry since 1864 and has an A.M. 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.

Cheapest insurance with a poor driving record: Foremost

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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.
3.3
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.
$48/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.
$143/mo

Founded in 1952, Foremost is a member of the Farmers Insurance Group and operates in all 50 states. Foremost offers car insurance through its partnership with Bristol West. In addition to car insurance, Foremost offers home insurance, classic car coverage, motorcycle insurance, and more. Its range of insurance products allow Foremost to offer discounts for multiple policies with the insurer, multiple cars, paperless billing, and more. Foremost has an A.M. Best rating of A for financial strength and credit, but more than five times the expected number of complaints in the National Association of Insurance Commissioners Customer Complaint Index.

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

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. It has an A.M. Best financial strength rating of A (Excellent), giving it a solid financial standing. 

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.

Cheapest liability-only car insurance in Lancaster

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.

Insurance CompanyAverage Monthly Quote
Travelers $52
State Auto$53
Foremost$53
Mile Auto$58
State Farm$59
Erie$69
SafeAuto$74
Auto-Owners$74
Safeco$83
GEICO$92
National General$103
Allstate $104
Clearcover$108
Midvale Home & Auto$108
Liberty Mutual$109
Plymouth Rock$113
Progressive$117
Dairyland$117
Direct Auto$120
USAA$121
The General$137
Esurance$142
Bristol West$152
CSAA$276
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

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.[4]

Even though full-coverage policies usually cost more than liability-only policies, you can compare insurance quotes to find the cheapest policy for you. Consider insurers like State Farm, Mile Auto, Erie, and Auto-Owners, which have average full-coverage rates of less than $100 a month.

Insurance CompanyAverage Monthly Quote
State Farm$72
Mile Auto$77
Erie $84
Auto-Owners$90
Travelers $94
Nationwide $102
Geico $112
Allstate $126
Safeco $141
National General$142
State Auto$146
USAA$147
Foremost$152
Clearcover$157
Midvale Home & Auto$159
Direct Auto$166
Plymouth Rock$168
Esurance$172
Liberty Mutual$178
Safeauto$182
Progressive$196
The General$243
Bristol West$261
Dairyland$307
CSAA$370
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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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] [5]

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. 

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Cheapest car insurance for drivers with a speeding ticket

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.[6]

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.

Insurance CompanyAverage Monthly Quote
Travelers$70
Foremost$71
State Auto$71
Mile Auto$78
State Farm$80
Erie$92
Safeauto$99
Auto-Owners$99
Safeco$111
Geico$124
National General$138
Allstate$140
Clearcover$144
Midvale Home & Auto$145
Liberty Mutual$146
Plymouth Rock$152
Dairyland$156
Progressive$157
Direct Auto$161
USAA$163
The General$183
Esurance$190
Bristol West$203
CSAA$369
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

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.

Insurance CompanyAverage Monthly Quote
Travelers$74
Foremost$76
State Auto$76
Mile Auto$83
State Farm$85
Erie$99
Safeauto$106
Auto-Owners$106
Safeco$118
Geico$132
National General$147
Allstate$149
Clearcover$154
Midvale Home & Auto$154
Liberty Mutual$156
Plymouth Rock$162
Dairyland$167
Progressive$168
Direct Auto$172
USAA$173
The General$196
Esurance$203
Bristol West$217
CSAA$394
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

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.[6]

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.[7]

Insurance CompanyAverage Monthly Quote
Travelers$104
Foremost$105
State Auto$106
Mile Auto$115
State Farm$118
Erie$137
Safeauto$147
Auto-Owners$148
Safeco$165
Geico$184
National General$205
Allstate$207
Clearcover$214
Midvale Home & Auto$215
Liberty Mutual$217
Plymouth Rock$226
Dairyland$232
Progressive$233
Direct Auto$239
USAA$241
The General$272
Esurance$282
Bristol West$302
CSAA$548
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

Senior drivers are overrepresented in crashes involving multiple vehicles, possibly due to deterioration of cognitive and physical driving abilities, according to the Pennsylvania DOT.[6]

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 75.[8]

Insurance CompanyAverage Monthly Quote
Travelers$33
Foremost$33
State Auto$34
Mile Auto$37
State Farm$37
Erie$43
Safeauto$47
Auto-Owners$47
Safeco$52
Geico$58
National General$65
Allstate$66
Clearcover$68
Midvale Home & Auto$68
Liberty Mutual$69
Plymouth Rock$71
Dairyland$74
Progressive$74
Direct Auto$76
USAA$76
The General$86
Esurance$89
Bristol West$96
CSAA$174
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

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.[9] 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.

Insurance CompanyAverage Monthly Quote
Travelers$77
Foremost$78
State Auto$78
Mile Auto$85
State Farm$87
Erie$101
Safeauto$109
Auto-Owners$109
Safeco$122
Geico$136
National General$151
Allstate$153
Clearcover$158
Midvale Home & Auto$159
Liberty Mutual$161
Plymouth Rock$167
Dairyland$172
Progressive$172
Direct Auto$177
USAA$178
The General$201
Esurance$208
Bristol West$223
CSAA$405
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.

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:[10]

  • 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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Lancaster car insurance quotes by credit tier

Pennsylvania state law allows insurance companies to review your credit score 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 score indicates that you present a lower insurance risk than drivers with poor credit scores, 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 $183 per month, which is lower than the Pennsylvania state average and national average of $211.

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 Monthly QuoteCompared to Lancaster
Allentown$27024%
Bethlehem$203-6%
Erie$2306%
Harrisburg$2348%
Philadelphia$38376%
Pittsburgh$25216%
Reading$28029%
York$215-1%
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 $217 for full coverage and $127 for liability only.

  • Who has the cheapest car insurance in Lancaster?

    The cheapest car insurance companies in Lancaster, Pennsylvania, are State Farm, Mile Auto, Auto-Owners, 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 score, 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." Accessed June 12, 2023
  2. NAIC. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premiums." Accessed June 12, 2023
  3. J.D. Power. "2022 U.S. Auto Insurance Study." Accessed June 12, 2023
  4. III. "What is covered by collision and comprehensive auto insurance?." Accessed June 12, 2023
  5. Pennsylvania General Assembly. "Title 75 § 1705. Election of tort options.." Accessed June 12, 2023
  6. Pennsylvania Department of Transportation. "2021 Pennsylvania Crash Facts & Statistics." Accessed June 12, 2023
  7. III. "Do auto insurance premiums go up after a claim?." Accessed June 12, 2023
  8. Insurance Institute for Highway Safety. "Older drivers." Accessed June 12, 2023
  9. Insurance Institute for Highway Safety. "Teenagers." Accessed June 12, 2023
  10. III. "How to save money on car insurance." Accessed June 12, 2023
  11. Pennsylvania Insurance Department. "How Credit Relates to Insurance: A Fact Sheet for Pennsylvania Consumers." Accessed June 12, 2023
  12. III. "What determines the price of an auto insurance policy?." Accessed June 12, 2023
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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