Best Cheap Auto Insurance in Lancaster, Pennsylvania (2024)
State Farm offers the cheapest car insurance in Lancaster, with minimum-coverage policies as low as $39 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
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Updated November 21, 2024
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Table of contents
State Farm, Travelers, and Foremost offer some of the cheapest rates in Lancaster. Policies are available for an average rate of $101 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 | $110 | $51 | Full coverage |
| Travelers | 9.0 | $165 | $77 | Teens and seniors |
| Foremost | 3.3 | $207 | $86 | 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.
Cheapest full-coverage insurance: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | 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. | $39/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. | $84/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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++Why we picked this company
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
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Cheapest insurance for teens and seniors: Travelers
| User Reviews | 4.7 |
|---|---|
| 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. | 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. | $58/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. | $125/mo |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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++Why we picked this company
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
Offers discount for hybrid and electric cars
A++ (Superior) financial strength rating from AM Best
Cons
Rideshare coverage not available in all states
High number of negative customer reviews with the Better Business Bureau
Higher-than-average number of complaints with the National Association of Insurance Commissioners
Cheapest insurance with a poor driving record: Foremost
| User Reviews | 3.6 |
|---|---|
| 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. | 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. | $62/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. | $157/mo |
3.6
A solid optionBased on 18 verified guest reviews and ratings
How drivers feel about Foremost
Drivers appreciate the patient customer service and flexible payment options but dislike the roadside service and inconsistent pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
How drivers feel about Foremost
Drivers appreciate the patient customer service and flexible payment options but dislike the roadside service and inconsistent pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
Reviews (12)
Kenneth
November 19, 2024
Verified Review
Not Worth It
They are not satisfactory. I have never made a claim, yet they raised my rate by 400 dollars. The coverage they provide is also insufficient. They are not worth it.
Barbara
October 22, 2024
Verified Review
Foremost Takes Care of My Home
I haven't had much contact with Foremost, but the interactions I've had have been very good and professional.
Tayla
October 8, 2024
Verified Review
Average
I could never get a hold of anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4A.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).
AWhy we picked this company
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
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 $39 per month. The table below lists more top carriers for liability insurance in Lancaster.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $39 |
| Mile Auto | $40 |
| Erie | $45 |
| Auto-Owners | $48 |
| National General | $50 |
| Plymouth Rock | $50 |
| Travelers | $58 |
| GEICO | $60 |
| Progressive | $61 |
| Foremost | $62 |
| Allstate | $68 |
| Safeco | $71 |
| Direct Auto | $72 |
| The General | $72 |
| Nationwide | $77 |
| USAA | $79 |
| Chubb | $91 |
| Bristol West | $95 |
| Dairyland | $96 |
| CSAA | $102 |
| State Auto | $106 |
| Liberty Mutual | $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 $56 per month. The table below lists other top carriers for full-coverage insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $56 |
| State Farm | $84 |
| Erie | $96 |
| Plymouth Rock | $102 |
| Auto-Owners | $106 |
| National General | $118 |
| Safeco | $120 |
| GEICO | $125 |
| Travelers | $125 |
| Progressive | $128 |
| CSAA | $134 |
| Allstate | $142 |
| Direct Auto | $144 |
| Foremost | $157 |
| Nationwide | $162 |
| Liberty Mutual | $164 |
| USAA | $165 |
| Bristol West | $176 |
| Infinity | $181 |
| The General | $185 |
| Chubb | $192 |
| Dairyland | $224 |
| State Auto | $229 |
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 Honda, Mazda, Toyota , and more.
*Quotes generated for Insurify users in and around Lancaster, Pennsylvania within the last 10 days. Last updated on November 21, 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 November 21, 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 November 21, 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 November 21, 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
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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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 $49 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $101 | $47 |
| Erie | $120 | $56 |
| Auto-Owners | $131 | $59 |
| Plymouth Rock | $134 | $66 |
| National General | $145 | $61 |
| Safeco | $149 | $88 |
| GEICO | $153 | $73 |
| Travelers | $154 | $71 |
| Progressive | $155 | $74 |
| CSAA | $167 | $127 |
| Allstate | $173 | $83 |
| Direct Auto | $176 | $88 |
| Nationwide | $200 | $95 |
| USAA | $201 | $96 |
| Foremost | $207 | $82 |
| Liberty Mutual | $216 | $161 |
| Bristol West | $216 | $117 |
| The General | $230 | $90 |
| Chubb | $238 | $113 |
| Dairyland | $273 | $117 |
| State Auto | $302 | $140 |
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 $53 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $108 | $50 |
| Erie | $127 | $60 |
| Auto-Owners | $138 | $62 |
| Plymouth Rock | $141 | $69 |
| National General | $153 | $65 |
| Safeco | $154 | $91 |
| GEICO | $162 | $78 |
| Travelers | $163 | $76 |
| Progressive | $167 | $80 |
| CSAA | $180 | $137 |
| Allstate | $184 | $88 |
| Direct Auto | $191 | $95 |
| Nationwide | $212 | $101 |
| USAA | $214 | $102 |
| Foremost | $217 | $86 |
| Liberty Mutual | $227 | $169 |
| Bristol West | $228 | $123 |
| The General | $244 | $95 |
| Chubb | $250 | $118 |
| Dairyland | $287 | $123 |
| State Auto | $323 | $150 |
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: State Farm
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, State Farm offers the cheapest rates for drivers with a DUI at $62 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $133 | $62 |
| Erie | $152 | $71 |
| Plymouth Rock | $161 | $79 |
| Auto-Owners | $168 | $76 |
| Safeco | $176 | $104 |
| National General | $187 | $79 |
| CSAA | $190 | $145 |
| GEICO | $198 | $95 |
| Travelers | $198 | $92 |
| Progressive | $203 | $97 |
| Allstate | $225 | $108 |
| Direct Auto | $228 | $114 |
| Foremost | $249 | $98 |
| Nationwide | $256 | $122 |
| Liberty Mutual | $260 | $193 |
| USAA | $261 | $125 |
| Bristol West | $279 | $150 |
| The General | $293 | $114 |
| Chubb | $304 | $144 |
| Dairyland | $355 | $152 |
| State Auto | $363 | $168 |
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 $64 per month for liability coverage, and $99 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $42 | $30 |
| State Farm | $64 | $30 |
| Erie | $72 | $34 |
| Plymouth Rock | $77 | $38 |
| Auto-Owners | $82 | $37 |
| National General | $89 | $38 |
| Progressive | $91 | $43 |
| Travelers | $96 | $45 |
| GEICO | $98 | $47 |
| Safeco | $101 | $60 |
| CSAA | $101 | $77 |
| Direct Auto | $111 | $55 |
| Allstate | $112 | $54 |
| Nationwide | $119 | $57 |
| Foremost | $124 | $49 |
| USAA | $130 | $62 |
| Liberty Mutual | $136 | $101 |
| Chubb | $138 | $65 |
| Bristol West | $139 | $75 |
| The General | $148 | $57 |
| State Auto | $168 | $78 |
| Dairyland | $176 | $76 |
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 $66 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $141 | $66 |
| Erie | $157 | $74 |
| Auto-Owners | $174 | $79 |
| Plymouth Rock | $182 | $89 |
| GEICO | $195 | $94 |
| CSAA | $210 | $160 |
| Progressive | $220 | $105 |
| Travelers | $222 | $103 |
| Safeco | $227 | $134 |
| National General | $228 | $97 |
| Allstate | $248 | $119 |
| Direct Auto | $258 | $129 |
| USAA | $270 | $129 |
| Foremost | $273 | $108 |
| Liberty Mutual | $275 | $205 |
| Nationwide | $277 | $132 |
| The General | $286 | $111 |
| Bristol West | $290 | $156 |
| Dairyland | $353 | $151 |
| Chubb | $360 | $171 |
| State Auto | $398 | $184 |
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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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.
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Learn More: 12 Ways to Lower Car Insurance
Is car insurance more expensive in Lancaster?
The average car insurance rate in Lancaster is $101 per month, which is lower than the Pennsylvania state average and national average of $154.
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.
City ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Allentown | $183 | $113 |
| Bethlehem | $149 | $88 |
| Harrisburg | $163 | $90 |
| Philadelphia | $291 | $167 |
| Pittsburgh | $168 | $95 |
| Reading | $190 | $94 |
| York | $151 | $83 |
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 $123 for full coverage and $80 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
- 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.
Related articles
More cities in Pennsylvania
Sources
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
- NAIC. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premiums."
- J.D. Power. "2022 U.S. Auto Insurance Study."
- III. "How to save money on car insurance."
- III. "What is covered by collision and comprehensive auto insurance?."
- Pennsylvania General Assembly. "Title 75 § 1705. Election of tort options.."
- Pennsylvania Department of Transportation. "2021 Pennsylvania Crash Facts & Statistics."
- III. "Do auto insurance premiums go up after a claim?."
- Insurance Institute for Highway Safety. "Older drivers."
- Insurance Institute for Highway Safety. "Teenagers."
- Pennsylvania Insurance Department. "How Credit Relates to Insurance: A Fact Sheet for Pennsylvania Consumers."
- III. "What determines the price of an auto insurance policy?."
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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 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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