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Cheap Auto Insurance Quotes in Lancaster, PA (2023)
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Written by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated August 31, 2022
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Car Insurance in Lancaster, PA
The average cost of Pennsylvania car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lancaster, PA to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Lancaster is $131 per month, or $1572 annually.
Car insurance in Lancaster is $19 less than the average cost of car insurance in Pennsylvania.
The cheapest car insurance provider in Lancaster on average is Travelers, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$66
Allstate$106
GEICO$120
Travelers$123
American Family$153
See More:
Cheapest Car Insurance in Lancaster, PA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Lancaster | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Progressive | $66 /mo |
| Allstate | $106 /mo |
| GEICO | $120 /mo |
| Travelers | $123 /mo |
| American Family | $153 /mo |
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Average Car Insurance Cost
| Pennsylvania Cities | |
|---|---|
| Philadelphia | $246/mo |
| Pittsburgh | $144/mo |
| Allentown | $153/mo |
| Erie | $137/mo |
| Lancaster | $128/mo |
| Pennsylvania | $162/mo |
Lancaster$128
Erie$137
Pittsburgh$144
Allentown$153
Average for PA$162
Philadelphia$246
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Pennsylvania
All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Pennsylvania[1] are:
$15,000 per person for bodily injury
$30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
$5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$5,000 per accident for Medical Benefits
Medical Benefits, similar to PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
Find local Lancaster agents
Murray Insurance Assoc Inc
39 N Duke St,
Lancaster, PA 17602-2842Susquehanna Insurance Mgt Ltd
650 Delp Rd,
Lancaster, PA 17601-3035Gunn Mowery
205 Granite Run Road,
Lancaster, PA 17601HomeSale Insurance Services LLC
215 S Centerville Rd,
Lancaster, PA 17603Horst Insurance
320 Granite Run Drive,
Lancaster, PA 17601-6806Hinkle Insurance Agency Inc
600 Olde Hickory Rd,
Ste 200, Lancaster, PA 17601-4959Community Insurance Services Inc
101 Good Drive,
Lancaster, PA 17603-4349BCF Group Inc
2101 Oregon Pike,
Ste 300, Lancaster, PA 17601-4624Spiziri Insurance
226 West Chestnut Street,
Lancaster, PA 17603-3520Cornerstone Agency Services
2221 Dutch Gold Drive,
Lancaster, PA 17601
For more detailed Pennsylvania city level guides, check out these below.
FAQs - Lancaster, PA Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
Insurify Insights
How Lancaster Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Lancaster, Pennsylvania below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Lancaster drivers measure up to their fellow motorists across Pennsylvania in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Lancaster
#42
City with the Most Speeding Tickets Rank in Pennsylvania
#48
City with the Most Moving Violations Rank in Pennsylvania
#64
City with the Most DUIs Rank in Pennsylvania
#40
City with the Most Suspended Licenses in Pennsylvania
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lancaster drivers rank 62 in the number of car accidents per driver across all cities in Pennsylvania.
- Rank within state: #62
- Percent of drivers in Lancaster with an accident: 8.6%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lancaster drivers rank 64 in the number of DUI’s per driver across all cities in Pennsylvania.
- Rank within state: #64
- Percent of drivers in Lancaster with a DUI: 1.1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Pennsylvania, Lancaster drivers rank 60 in the number of reckless driving offenses per driver.
- Rank within state: #60
- Percent of drivers in Lancaster with a reckless driving offense: 1%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Pennsylvania, Lancaster drivers rank 47 in rude driving infractions.
- Rank within state: #47
- Percent of drivers in Lancaster with a reckless driving violation: 1.4%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Pennsylvania, Lancaster drivers rank 42 in the number of speeding infractions per driver.
- Rank within state: #42
- Percent of drivers in Lancaster with a speeding ticket: 7%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lancaster drivers rank 43 in clean driving records across all cities in Pennsylvania.
- Rank within state: #43
- Percent of drivers in Lancaster with clean record: 78.6%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lancaster drivers rank 28 in hybrid and electric vehicle ownership across all cities in Pennsylvania.
- Rank within state: #28
- Percent of drivers in Lancaster with a hybrid/electric vehicle: 0.91%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Pennsylvania Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
