Cheapest Auto Insurance in York, Pennsylvania (2024)
State Farm offers the cheapest car insurance in York, with rates starting at $45 per month.
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Updated November 21, 2024
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Table of contents
If you live in York, you’re in an excellent position for cheap car insurance rates. The average monthly premium here is just $117. That’s less than the national average of $154. York County, despite its low rates, has a high number of car accidents compared to other parts of the state and ranks third for traffic-related deaths.[1]
Here’s what you should know about the auto insurance market in York, as well as ways you can reduce your expenses as much as possible.
Quick Facts
State Farm, Mile Auto, and Erie offer the lowest rates in York.
Drivers in York pay an average of $1,813 per year for a full-coverage insurance policy.
You can choose full or limited tort coverage to personalize your auto policy.
Cheapest car insurance companies in York
Your search for affordable auto insurance is about more than grabbing the cheapest deal. It’s about finding a plan that fits your individual needs and lifestyle. Drivers have different circumstances, cars, and driving habits, and your coverage should reflect that.
The best way to find the right coverage for you is to compare quotes from several insurers. As you begin your search, keep these three in mind. Their statewide quotes for full and liability coverage are included below.
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 ▲▼ |
|---|---|---|---|---|
| Foremost | 7.4 | $207 | $86 | Liability-only coverage |
| Erie | 9.0 | $127 | $59 | Commuters |
| State Farm | 9.3 | $110 | $51 | Young drivers |
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.
Best insurer for liability-only coverage: 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. | $72/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. | $182/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
Pennsylvania is home to more than 9 million licensed drivers.[2] And as you join them, you want to do so affordably. Foremost stands out by offering some of the most affordable rates among York car insurance companies. It also has 28 local agents in the area.
Pros
Towing and roadside service
Rideshare driver coverage available
Backed by Farmers Insurance
Cons
Doesn’t provide quotes online
Missing common vehicle safety discounts
Mixed reviews about mobile app
Best insurer for commuters: Erie Insurance
| User Reviews | 4.1 |
|---|---|
| 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. | $52/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. | $112/mo |
4.1
Best choiceBased on 240 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.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
York drivers spend an average of 27 minutes traveling to work, according to the Center for Rural Pennsylvania.[3] If you’re among them, consider Erie Insurance. The insurance agency has 24 agents in York, with locations throughout the city, and offers a slew of policy options to make your driving and the costs associated with it a little more enjoyable.
Pros
Diminishing deductible option
Higher policy limits available
Personalize policy with discounts and coverage types
Cons
Poor reviews for mobile app
Low rating for customer service, according to the Better Business Bureau
History of complaints, according to the National Association of Insurance Commissioners (NAIC)
Best insurer for young drivers: 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. | $45/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. | $97/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
If you’re one of the more than 900,000 Pennsylvania drivers who are younger than 25, State Farm could be especially appealing to you. Young drivers in York pay $190 on average for coverage. However, the average cost with State Farm for York drivers is just $86 per month for liability coverage. You also have access to 25 local State Farm insurance agents for personalized service.
Pros
One of the cheapest car insurance companies in York
Discounts for driver training, being a good student, and being away at college
Rideshare driver coverage available
Cons
No gap insurance coverage
Must purchase a policy from a local agent
Can be more expensive for drivers with an incident on their record
How to get the cheapest car insurance in York
Cheap car insurance is tricky to find because so many factors are at play. Your driving history, vehicle type, and even ZIP code can all influence your premium. Each insurance company weighs these details differently. Here are some ways you can save money:
Bundle up. Combine multiple insurance policies, like car and home insurance, to get a bundling discount for better rates.
Drive safely. Keep a clean driving record to qualify for the lowest premiums.
Choose a higher deductible. Agreeing to pay a higher deductible can lower your car insurance bill.
Ask for discounts. Always ask your insurer what discounts you may qualify for.
Find Cheap Car Insurance in York, Pennsylvania
Liability rates start as low as $45 per month
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Based on 3,806+ reviews
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Cheapest liability-only car insurance in York: State Farm
Liability-only car insurance is the most basic level of coverage available. It helps pay for the other person’s injuries and damages in an accident you cause. It also meets Pennsylvania’s minimum auto insurance requirements. However, the protection doesn’t extend to your car. It’s cheaper than other coverages, making it a good option if cost is your primary consideration.
State Farm offers the best insurance rates for liability coverage in York, with rates of just $45 per month.
The table below offers average monthly quotes for other York insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $45 |
| Mile Auto | $47 |
| Erie | $52 |
| Auto-Owners | $55 |
| National General | $58 |
| Plymouth Rock | $58 |
| Travelers | $68 |
| GEICO | $69 |
| Progressive | $70 |
| Foremost | $72 |
| Allstate | $78 |
| Safeco | $83 |
| Direct Auto | $84 |
| The General | $84 |
| Nationwide | $89 |
| USAA | $91 |
| Chubb | $106 |
| Bristol West | $110 |
| Dairyland | $112 |
| CSAA | $118 |
| State Auto | $122 |
| Liberty Mutual | $142 |
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 York: Mile Auto
Liability insurance takes care of the other person when you cause an accident, while full coverage also looks out for your car. It’s a good option if your car is newer or you’re still paying it off. You may also want to consider upgrading to full coverage if you spend a lot of time on the road since you may need full coverage before adding towing coverage.
Mile Auto stands out for budget-friendly full-coverage insurance, with monthly rates of $65, and you can compare other insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $65 |
| State Farm | $97 |
| Erie | $112 |
| Plymouth Rock | $118 |
| Auto-Owners | $122 |
| National General | $136 |
| Safeco | $139 |
| GEICO | $145 |
| Travelers | $145 |
| Progressive | $148 |
| CSAA | $155 |
| Allstate | $165 |
| Direct Auto | $166 |
| Foremost | $182 |
| Nationwide | $187 |
| Liberty Mutual | $190 |
| USAA | $191 |
| Bristol West | $204 |
| Infinity | $209 |
| The General | $214 |
| Chubb | $223 |
| Dairyland | $260 |
| State Auto | $266 |
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 York, Pennsylvania
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $84/mo for full coverage in York and other Pennsylvania cities.
*Quotes generated for Insurify users in and around York, 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 York, 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 requires drivers to carry a 15/30/5 auto insurance policy.[4] Policies must also include a minimum of $5,000 in medical benefits. If you fail to maintain these standards and let your car insurance lapse, you could lose your vehicle registration privileges for three months.
The state of Pennsylvania also gives you the option to choose full or limited tort coverage. Limited tort policies are cheaper, but they don’t let you claim pain and suffering in most cases. However, you can recover any medical expenses you paid.[5]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 |
The coverages above meet the state minimum. However, if you’re looking to enhance your coverage, a variety of options are available, including:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay for injuries if you’re hit by someone who lacks insurance or if the person who hits you doesn’t have enough insurance to cover the associated costs.
Funeral benefit
This covers funeral costs if you or a family member dies in an auto accident.
Income loss
If you can’t work because of accident injuries, this helps cover some lost pay.
Collision coverage
Collision coverage pays to fix your car if it gets damaged. If you have a car loan or lease, your bank or lender might require this coverage type.
Comprehensive coverage
Comprehensive insurance covers car theft and damage from things like fire, floods, or hitting an animal. Also, your lender will usually require it if you have a loan or lease.
Rental reimbursement
Rental reimbursement coverage helps pay for the cost of a rental car if yours is being fixed due to covered damage.
Towing coverage
Towing coverage helps with costs if your car needs to be towed. You might need a policy with comprehensive or collision coverage to add this.
Gap coverage
If your car is totaled, gap insurance pays the difference between your car’s value and what you still owe on it.
Pennsylvania Assigned Risk Plan
Assigned Risk Plan
If you’re struggling to get car insurance because of a spotty driving record or another reason, auto insurance coverage from the Pennsylvania Assigned Risk Plan might be the right choice. The state requires every Pennsylvania car insurance company to be a part of this plan.
You can contact an agent or broker to apply for coverage, and they’ll submit your application. You don’t get the option to select which insurance company to use, but coverage can begin immediately.
Cheapest car insurance for drivers with an incident
If you have an incident on your record, it means you’ve had a speeding ticket, at-fault accident, DUI, or another moving violation. Incidents signal to insurers that your driving behavior is riskier, and you’ll likely pay higher premiums because of it.
In the sections that follow, you’ll see how each incident type can affect your rates.
Shop for Car Insurance in York, PA
Monthly rates start at $53 for drivers with an incident
Secure. Free. Easy-to-use.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
In Pennsylvania, speeding causes the greatest number of car accidents and traffic fatalities.[1] With that in mind, it’s no surprise that speeding tickets on your record can drive up auto insurance premiums. In fact, drivers with a speeding ticket on their record pay an average monthly premium of $146.
Below, you’ll see the average cost of car insurance for drivers with a speeding ticket from several York auto insurance companies, compared to drivers with a clean record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $45 | $54 |
| Mile Auto | $47 | $58 |
| Erie | $52 | $65 |
| Auto-Owners | $55 | $68 |
| National General | $58 | $71 |
| Plymouth Rock | $58 | $76 |
| Travelers | $68 | $84 |
| GEICO | $69 | $84 |
| Progressive | $70 | $85 |
| Foremost | $72 | $95 |
| Allstate | $78 | $95 |
| Safeco | $83 | $103 |
| Direct Auto | $84 | $103 |
| The General | $84 | $105 |
| Nationwide | $89 | $110 |
| USAA | $91 | $111 |
| Chubb | $106 | $131 |
| Bristol West | $110 | $135 |
| Dairyland | $112 | $137 |
| CSAA | $118 | $147 |
| State Auto | $122 | $161 |
| Liberty Mutual | $142 | $187 |
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: State Farm
Insurers face additional liability and claim costs from at-fault accidents. The increased risk leads companies to charge higher premiums. Although York County has the fewest reported car crashes in the state, it ranked third for the most traffic-related deaths, according to the 2022 Pennsylvania Crash Facts and Statistics report from the Pennsylvania Department of Transportation.[1]
The average monthly premium for drivers in York with an accident on their record is $154.
The following table provides an overview of average quotes for drivers with and without an at-fault accident in York.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $45 | $58 |
| Mile Auto | $47 | $62 |
| Erie | $52 | $69 |
| Auto-Owners | $55 | $72 |
| National General | $58 | $75 |
| Plymouth Rock | $58 | $80 |
| Travelers | $68 | $89 |
| GEICO | $69 | $90 |
| Progressive | $70 | $91 |
| Foremost | $72 | $100 |
| Allstate | $78 | $101 |
| Safeco | $83 | $107 |
| Direct Auto | $84 | $111 |
| The General | $84 | $111 |
| Nationwide | $89 | $116 |
| USAA | $91 | $118 |
| Chubb | $106 | $138 |
| Bristol West | $110 | $142 |
| Dairyland | $112 | $144 |
| CSAA | $118 | $159 |
| State Auto | $122 | $172 |
| Liberty Mutual | $142 | $196 |
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
A DUI is a serious incident that can affect your insurance rates dramatically. If you’re found guilty of driving under the influence, your insurer might cancel or refuse to renew your policy altogether. Even if you keep your insurer, you’ll see a significant jump in your auto insurance bill.
Drivers with a DUI on their record pay an average of $178 per month for coverage in York.
To see the different average prices for a York driver with a clean record compared to one with a DUI, consider the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $45 | $71 |
| Mile Auto | $47 | $74 |
| Erie | $52 | $82 |
| Auto-Owners | $55 | $87 |
| National General | $58 | $92 |
| Plymouth Rock | $58 | $92 |
| Travelers | $68 | $108 |
| GEICO | $69 | $109 |
| Progressive | $70 | $111 |
| Foremost | $72 | $114 |
| Allstate | $78 | $123 |
| Safeco | $83 | $121 |
| Direct Auto | $84 | $133 |
| The General | $84 | $133 |
| Nationwide | $89 | $141 |
| USAA | $91 | $144 |
| Chubb | $106 | $168 |
| Bristol West | $110 | $174 |
| Dairyland | $112 | $177 |
| CSAA | $118 | $167 |
| State Auto | $122 | $193 |
| Liberty Mutual | $142 | $225 |
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
As of 2022, more than 900,000 drivers in Pennsylvania are age 75 and older.[1] Of the accidents that this demographic had in 2022, 22% were single-car accidents, and an alarming 78% were multi-car accidents, according to data from the Pennsylvania Department of Transportation.[1] The increased crash risk is one reason drivers see rising car insurance rates around age 70.
York area seniors pay an average of $94 per month for car insurance, and you can check out low-cost insurers in the table below to get the best deal.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $34 | $74 |
| Mile Auto | $35 | $48 |
| Erie | $39 | $84 |
| Auto-Owners | $43 | $95 |
| National General | $44 | $102 |
| Plymouth Rock | $44 | $89 |
| Progressive | $50 | $105 |
| Travelers | $52 | $112 |
| GEICO | $54 | $114 |
| Foremost | $57 | $143 |
| Allstate | $62 | $130 |
| Direct Auto | $64 | $127 |
| Nationwide | $65 | $137 |
| The General | $67 | $171 |
| Safeco | $70 | $117 |
| USAA | $72 | $150 |
| Chubb | $76 | $160 |
| Bristol West | $87 | $161 |
| Dairyland | $88 | $204 |
| CSAA | $89 | $117 |
| State Auto | $90 | $196 |
| Liberty Mutual | $117 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
A hefty car insurance bill often overshadows the thrill of getting a driver’s license as a teen. The Pennsylvania Department of Transportation reports that in 2022, young drivers were in nearly 25,000 crashes, 65% of which were multi-vehicle crashes.[1]
Teens have little experience behind the wheel. Combine that with youthful impulsiveness and peer pressure, and it all leads to riskier driving choices.
To ease the financial burden of high insurance costs, teens can remain on their parents’ insurance policy, choose a vehicle that gets high marks for safety, and improve their grades to qualify for a good student discount.
Teens pay an average of $190 per month for car insurance in York. Below, you’ll see a quote comparison for teens from various insurers to help you find the right coverage for you.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $76 | $163 |
| Erie | $85 | $184 |
| Mile Auto | $89 | $124 |
| Auto-Owners | $90 | $200 |
| Plymouth Rock | $104 | $211 |
| GEICO | $108 | $226 |
| National General | $112 | $263 |
| Progressive | $120 | $254 |
| Travelers | $121 | $257 |
| Foremost | $125 | $316 |
| The General | $130 | $331 |
| Allstate | $136 | $288 |
| USAA | $149 | $313 |
| Direct Auto | $150 | $297 |
| Nationwide | $152 | $320 |
| Safeco | $157 | $262 |
| Dairyland | $176 | $409 |
| Bristol West | $181 | $336 |
| CSAA | $185 | $243 |
| Chubb | $199 | $418 |
| State Auto | $212 | $463 |
| Liberty Mutual | $238 | $319 |
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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York car insurance quotes by credit tier
Insurance companies review your credit history when setting your premiums. However, though companies can weigh credit information differently, it’s in your best interest to have a higher credit score.
Insurity data shows that drivers with excellent or good credit in York can save an average of up to $1,200 every year compared to drivers with poor credit.
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.
Is car insurance more expensive in York?
Car insurance rates vary across Pennsylvania. Even identical policies can have different price tags based on location. At $117 per month, York has some of the cheapest car insurance in the state, and it’s also cheaper than the national average of $154.
More cities in Pennsylvania
How does York compare to other cities in Pennsylvania? The table below shows you average monthly quotes for liability and full coverage in cities across the Keystone State.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Allentown | $113 | $183 |
| Bethlehem | $88 | $149 |
| Erie | $106 | $160 |
| Harrisburg | $90 | $163 |
| Lancaster | $80 | $123 |
| Philadelphia | $167 | $291 |
| Pittsburgh | $95 | $168 |
| Reading | $94 | $190 |
| Wilkes-Barre | $119 | $169 |
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.
York car insurance FAQs
If you’re shopping for car insurance in York, PA, this additional information may help as you research your coverage options.
How much is car insurance in York?
The average rate for car insurance in York is $117 per month. The average rate for liability coverage is $83, and the average rate for full coverage is $151.
Who has the cheapest car insurance in York?
State Farm offers the cheapest car insurance in York, at a rate of $45 per month. Other cheap insurers include Mile Auto and Erie, with monthly liability-only rates of $47 and $52, respectively.
But these insurers may not be the cheapest for you. That’s why it’s always important to compare quotes to find the best insurance policy for your needs.
What are the best car insurance companies in York?
Foremost Signature, Erie Insurance, and State Farm rank as three of the best insurance companies for York drivers. Each of these insurers has earned high marks for their customer service, low prices, or financial stability. As you compare quotes from several insurers, you should consider adding these three to your list.
What is the average cost of car insurance per month in Pennsylvania?
The average rate for car insurance in Pennsylvania is $133 per month. The average rate for full coverage is $173 per month, and the average rate for liability coverage is $93.
What is the minimum auto insurance required in PA?
Pennsylvania requires drivers to carry a 15/30/5 auto insurance policy. That means $15,000 in bodily injury coverage per person, $30,000 in bodily injury coverage per accident, and $5,000 for property damage. Policies must also include a minimum of $5,000 in medical benefits.
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 Department of Transportation. "PENNSYLVANIA CRASH FACTS & STATISTICS."
- PennDOT Driver & Vehicle Services. "Pennsylvania Driver Statistics."
- Center for Rural Pennsylvania. "Average Commute Time to Work."
- PennDOT Driver & Vehicle Services. "Insurance Overview Financial Responsibility."
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
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