120+ more*Quotes generated for Insurify users in and around York, Pennsylvania within the last 10 days. Last updated on September 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around York, Pennsylvania within the last 10 days. Last updated on September 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
Updated
Average monthly car insurance rates in York, Pennsylvania, are $146 for full coverage and $81 for state-minimum coverage. That’s slightly more than what drivers in neighboring Lancaster pay: $137 and $77, respectively. Average car insurance rates in Philadelphia are much higher, at $281 and $152 per month.
With a population of more than 45,000, York isn’t a small city. But its population density is small compared to Philadelphia. Population density plays a role in accident frequency. In 2025, Philadelphia saw 7,033 crashes, while York had just 440. Fewer accident claims in an area can help keep car insurance costs lower for everyone.
The cheapest insurer in York, Pennsylvania, is State Farm for both full-coverage and liability-only car insurance. York’s average car insurance rates are slightly lower than the Pennsylvania average.
Pennsylvania requires drivers to have a minimum amount of liability insurance and medical benefits to stay road legal.[1] But York drivers should consider buying collision coverage and comprehensive coverage as well.
Deer caused 78 crashes in York between 2020 and 2024, according to Pennsylvania Department of Transportation data. The comprehensive portion of a full-coverage policy pays for collisions with animals, including deer.
Here are the cheapest liability-only and full-coverage car insurance rates in York:
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full-Coverage |
|---|---|---|
| State Farm | $45 | $76 |
| National General | $50 | $112 |
| Erie | $52 | $88 |
| First Acceptance | $54 | $135 |
| Auto-Owners | $56 | $94 |
| The General | $61 | $239 |
| Progressive | $62 | $130 |
| Travelers | $67 | $114 |
| GEICO | $70 | $117 |
| Safeco | $73 | $117 |
| Direct Auto | $75 | $147 |
| Allstate | $79 | $132 |
| Bristol West | $81 | $150 |
| Root | $92 | $148 |
| USAA | $92 | $153 |
| Dairyland | $98 | $242 |
| Chubb | $107 | $177 |
| Liberty Mutual | $113 | $130 |
| GAINSCO | $114 | $204 |
| State Auto | $124 | $206 |
| CSAA | $149 | $215 |
Comparing rates through Insurify could cut your bill up to 50%
State College and Hanover tend to have the cheapest car insurance rates in Pennsylvania, possibly due to their relatively low crash rates. In 2025, State College had 177 accidents, and Hanover logged 219, according to PennDOT data. York had 440 crashes.
The most expensive car insurance rates in Pennsylvania, on average, are in Philadelphia, which has a high crash rate (7,033 crashes in 2025) and the most vehicle thefts in the state by far.[2] Chester also has expensive car insurance, likely because it’s a suburb of Philadelphia.
Car insurance rates in York are slightly below the state average, but a few elements keep rates elevated. Drivers tend to drive more miles per year and have more tickets and at-fault accidents compared to most other Pennsylvania cities, according to Insurify data. And York County has some of the highest crash rates in the state.
The table below shows the average car insurance rates in Pennsylvania cities:
City | Average Monthly Quote |
|---|---|
| State College | $95 |
| Hanover | $99 |
| Altoona | $106 |
| Chambersburg | $107 |
| Lancaster | $107 |
| Pottsville | $111 |
| Bethlehem | $113 |
| Wilkes-Barre | $115 |
| Erie | $116 |
| Pittsburgh | $117 |
| Harrisburg | $121 |
| Phoenixville | $124 |
| Scranton | $127 |
| Reading | $129 |
| Allentown | $143 |
| Bristol | $143 |
| Chester | $184 |
| Philadelphia | $217 |
York drivers should prepare for changing road and parking conditions, particularly in the city’s downtown area and during winter weather. Fortunately, the city government posts scheduled road closures and parking restrictions on its website each month.[3]
Know your downtown parking options. York has more than 1,000 metered parking spaces, and drivers can pay through the ParkMobile app. Downtown garages provide another option when street parking is hard to find.
Watch for snow emergencies. Drivers who park along designated routes must move their vehicles during declared snow emergencies.
Use free parking during snow emergencies. York allows residents to temporarily park for free in designated city lots and garages during snow emergencies, helping keep major streets clear for plows.[4]
Give yourself extra time in winter. Snow and ice can make local roads slippery, so reduce your speed, increase following distance, and allow additional travel time when conditions deteriorate.
Your driving history can significantly affect your car insurance rates.
In York, 3.3% of drivers have a traffic ticket on record, while 5.3% have an at-fault accident, according to Insurify data. If you’re responsible for a crash, your car insurance rate increases by an average of 23% in York. Tickets, accidents, and other infractions can signal greater risk to insurers, potentially resulting in higher premiums.
The table below shows car insurance quotes in York based on driving record:
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $114 |
| Speeding ticket | $129 |
| At-fault accident | $140 |
| DUI | $184 |
In York, young drivers pay the highest car insurance rates, and senior drivers pay the lowest. On average, full-coverage car insurance costs York teens $251 per month, while the average for seniors in the city is $127 monthly.
Teen drivers in York are in dozens of crashes each year and are therefore more likely to file a claim. From 2020 to 2024, York recorded 674 crashes involving drivers aged 16–19, according to PennDOT data. Statewide, more than 78,000 crashes involved teen drivers during this time frame.
The frequency of crashes involving teen drivers is one reason Pennsylvania requires drivers younger than 18 to complete at least 65 hours of supervised driving, including 10 hours at night and five hours in poor weather.[5]
The table below shows the cheapest liability rates for York drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $162 |
| 20s | $114 |
| 30s | $102 |
| 40s | $98 |
| 50s | $86 |
| 60s | $81 |
| 70+ | $79 |
*Quotes generated for Insurify users in and around York, Pennsylvania within the last 10 days. Last updated on September 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around York, Pennsylvania within the last 10 days. Last updated on September 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
){kind=small}
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
){kind=small}
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
York drivers looking for the cheapest and best car insurance available to them may find these commonly asked questions helpful.
State Farm has the cheapest car insurance in York, Pennsylvania. On average, State Farm costs $76 per month for full coverage and $45 per month for minimum coverage. Regional insurer Erie also has cheap car insurance in York.
Car insurance costs $146 per month for full coverage and $81 monthly for minimum coverage in York, Pennsylvania. This is slightly below the monthly state averages of $161 and $90, respectively.
Car insurance rates in York are slightly elevated because drivers in the city tend to drive more miles per year and have more tickets and at-fault accidents compared to many other Pennsylvania cities. Additionally, York County has some of the highest crash rates in the state.
If you’re looking to save money, get a quote from several insurance companies to compare rates. Car insurance rates vary with each company.
Pennsylvania drivers must carry bodily injury liability car insurance with limits of at least $15,000 per person and $30,000 per accident, a minimum of $15,000 in property damage liability insurance, and $5,000 in medical benefits coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
