Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Lancaster for teen drivers is USAA
  • The cheapest car insurance company in Lancaster after a DUI is USAA
  • Average car insurance rates in Lancaster, PA for senior drivers are $1,806/year

Average car insurance rates in Lancaster, Pennsylvania are $299 a month. But with a little research you can get a great deal from the top car insurance companies in Lancaster, PA. Before you buy Lancaster, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

It may even be helpful to compare Lancaster car insurance rates with Reading car insurance rates, Scranton car insurance rates, or Altoona car insurance rates to make sure you’re getting the best Lancaster, PA car insurance quotes available.

Need affordable Lancaster, PA car insurance? Enter your ZIP code to compare Lancaster car insurance quotes from multiple car insurance companies near you.

Lancaster, PA Minimum Car Insurance Coverage

Lancaster, Pennsylvania law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lancaster, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Lancaster, PA Car Insurance Rates by Coverage Level

Some Lancaster drivers can get by with the Pennsylvania minimum coverage of 15/30/5. Other drivers may need more. See how much your Lancaster, Pennsylvania car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lancaster, Pennsylvania

Insurance Company Low Medium High
Allstate $3,501 $3,701 $3,824
GEICO $2,075 $2,299 $2,452
Liberty Mutual $4,590 $4,889 $5,070
Nationwide $2,441 $2,471 $2,395
Progressive $3,779 $4,186 $4,467
State Farm $2,290 $2,510 $2,615
Travelers $7,290 $7,249 $7,145
USAA $1,480 $1,621 $1,713

Lancaster, PA Car Insurance Rates by Age, Gender, and Marital Status

Lancaster, Pennsylvania car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lancaster, PA car insurance, get quotes from multiple car insurance companies in the Lancaster area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lancaster, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,261 $2,261 $2,105 $2,105 $7,868 $7,868 $2,466 $2,466
GEICO $1,782 $1,544 $1,699 $1,473 $4,485 $3,889 $1,783 $1,545
Liberty Mutual $3,190 $3,190 $2,926 $2,926 $9,243 $9,243 $4,039 $4,039
Nationwide $1,646 $1,646 $1,562 $1,562 $4,685 $4,685 $1,850 $1,850
Progressive $2,567 $2,567 $2,295 $2,295 $8,443 $8,443 $3,272 $3,272
State Farm $1,484 $1,484 $1,319 $1,319 $5,441 $5,441 $1,644 $1,644
Travelers $1,586 $1,586 $1,725 $1,725 $23,706 $23,706 $1,895 $1,895
USAA $1,022 $1,022 $927 $927 $3,122 $3,122 $1,348 $1,348

Lancaster, PA Car Insurance Rates for Teens

How much is Lancaster, Pennsylvania car insurance for teens? Compare rates from top Lancaster car insurance companies below to help find the cheapest teen car insurance in Lancaster, PA.

Annual Car Insurance Rates for Teen Drivers in Lancaster, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,868 $7,868
GEICO $4,485 $3,889
Liberty Mutual $9,243 $9,243
Nationwide $4,685 $4,685
Progressive $8,443 $8,443
State Farm $5,441 $5,441
Travelers $23,706 $23,706
USAA $3,122 $3,122

Lancaster, PA Car Insurance Rates for Seniors

Before seniors buy Lancaster, Pennsylvania car insurance, they should make sure to shop around. Some Lancaster, PA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lancaster, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,105 $2,105
GEICO $1,699 $1,473
Liberty Mutual $2,926 $2,926
Nationwide $1,562 $1,562
Progressive $2,295 $2,295
State Farm $1,319 $1,319
Travelers $1,725 $1,725
USAA $927 $927

Lancaster, PA Car Insurance Rates by Credit History

How does your credit history affect Lancaster, PA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lancaster, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,688 $3,509 $2,829
GEICO $3,408 $1,926 $1,491
Liberty Mutual $6,187 $4,440 $3,922
Nationwide $2,854 $2,353 $2,100
Progressive $5,479 $3,856 $3,097
State Farm $3,518 $2,178 $1,719
Travelers $7,836 $7,112 $6,736
USAA $1,996 $1,493 $1,326

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Lancaster, PA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lancaster, Pennsylvania car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lancaster.

Annual Lancaster, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,515 $4,156 $3,515 $3,515
GEICO $1,688 $2,849 $2,244 $2,320
Liberty Mutual $4,401 $5,092 $4,953 $4,953
Nationwide $1,762 $2,358 $3,274 $2,348
Progressive $3,752 $5,215 $3,856 $3,754
State Farm $2,248 $2,695 $2,472 $2,472
Travelers $5,099 $7,299 $9,214 $7,299
USAA $1,291 $1,786 $1,902 $1,441

Lancaster, PA Car Insurance Rates With a DUI

Even a single DUI can increase your Lancaster, PA car insurance rates. Compare rates below to see which Lancaster car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lancaster, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,515
GEICO $2,244
Liberty Mutual $4,953
Nationwide $3,274
Progressive $3,856
State Farm $2,472
Travelers $9,214
USAA $1,902

Lancaster, PA Car Insurance Rates by ZIP Code

Just like Lancaster car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Lancaster, PA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Lancaster, Pennsylvania

ZIP Code Average Annual Rates
17601 $4,467
17602 $4,644
17603 $4,511
17611 $4,487

Lancaster, PA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lancaster, PA car insurance rates may be. Let’s take a look at average car insurance rates from top Lancaster companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lancaster, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,599 $3,751
GEICO $2,242 $2,308
Liberty Mutual $4,727 $4,973
Nationwide $2,436 $2,436
Progressive $4,144 $4,144
State Farm $2,399 $2,545
Travelers $7,228 $7,228
USAA $1,559 $1,650

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Lancaster, PA Cheapest Car Insurance Rates

How do the top Lancaster, Pennsylvania car insurance companies’ average rates stack up against the Lancaster average monthly car insurance rates of $299? Take a look and see.

Best Annual Car Insurance Rates by Company in Lancaster, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Lancaster, PA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lancaster, Pennsylvania car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Lancaster, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,675
GEICO $2,275
Liberty Mutual $4,850
Nationwide $2,436
Progressive $4,144
State Farm $2,472
Travelers $7,228
USAA $1,605

Other Factors Affecting Lancaster, PA Car Insurance Rates

Before you buy Lancaster, Pennsylvania car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lancaster, PA Commute Time

How does your Lancaster, PA commute time compare with the average driver? In Lancaster, the average commute is 21.0 minutes.

Lancaster, PA Traffic

Spending time in Lancaster traffic can lead to higher car insurance rates. According to INRIX data, Lancaster, PA ranks as the 297th-most congested with traffic in the world.

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Lancaster, PA Car Insurance Quotes

Compare Lancaster, PA car insurance quotes from multiple companies by entering your ZIP code now.