Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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

  • Average car insurance rates in Martinsburg, PA are $301/month
  • The cheapest car insurance company in Martinsburg after a DUI is USAA
  • The cheapest car insurance company in Martinsburg for teen drivers is USAA

Average car insurance rates in Martinsburg, Pennsylvania are $301 a month. But with a little research you can get a great deal from the top car insurance companies in Martinsburg, PA. Before you buy Martinsburg, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

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

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

Martinsburg, PA Minimum Car Insurance Coverage

Martinsburg, 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 Martinsburg, 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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Martinsburg, PA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Martinsburg, Pennsylvania

Insurance Company Low Medium High
Allstate $3,392 $3,550 $3,652
GEICO $2,395 $2,605 $2,749
Liberty Mutual $5,079 $5,334 $5,491
Nationwide $2,523 $2,536 $2,458
Progressive $3,617 $3,942 $4,177
State Farm $2,432 $2,606 $2,694
Travelers $6,805 $6,731 $6,646
USAA $1,595 $1,740 $1,836

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Martinsburg, 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 $2,243 $2,243 $2,063 $2,063 $7,347 $7,347 $2,472 $2,472
GEICO $2,024 $1,752 $1,896 $1,642 $5,114 $4,432 $2,041 $1,765
Liberty Mutual $3,468 $3,468 $3,175 $3,175 $10,156 $10,156 $4,407 $4,407
Nationwide $1,709 $1,709 $1,616 $1,616 $4,784 $4,784 $1,914 $1,914
Progressive $2,473 $2,473 $2,202 $2,202 $7,817 $7,817 $3,156 $3,156
State Farm $1,589 $1,589 $1,395 $1,395 $5,578 $5,578 $1,746 $1,746
Travelers $1,512 $1,512 $1,630 $1,630 $21,950 $21,950 $1,818 $1,818
USAA $1,097 $1,097 $993 $993 $3,351 $3,351 $1,452 $1,452

Martinsburg, PA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Martinsburg, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,347 $7,347
GEICO $5,114 $4,432
Liberty Mutual $10,156 $10,156
Nationwide $4,784 $4,784
Progressive $7,817 $7,817
State Farm $5,578 $5,578
Travelers $21,950 $21,950
USAA $3,351 $3,351

Martinsburg, PA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Martinsburg, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,063 $2,063
GEICO $1,896 $1,642
Liberty Mutual $3,175 $3,175
Nationwide $1,616 $1,616
Progressive $2,202 $2,202
State Farm $1,395 $1,395
Travelers $1,630 $1,630
USAA $993 $993

Martinsburg, PA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Martinsburg, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,520 $3,362 $2,711
GEICO $3,878 $2,184 $1,687
Liberty Mutual $6,766 $4,853 $4,285
Nationwide $2,942 $2,416 $2,160
Progressive $5,196 $3,632 $2,908
State Farm $3,668 $2,271 $1,793
Travelers $7,316 $6,614 $6,252
USAA $2,150 $1,601 $1,419

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Martinsburg, PA Car Insurance Rates by Driver History

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

Annual Martinsburg, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,384 $3,973 $3,384 $3,384
GEICO $1,909 $3,242 $2,543 $2,639
Liberty Mutual $4,855 $5,523 $5,414 $5,414
Nationwide $1,805 $2,414 $3,379 $2,425
Progressive $3,555 $4,879 $3,652 $3,562
State Farm $2,369 $2,786 $2,577 $2,577
Travelers $4,773 $6,791 $8,554 $6,791
USAA $1,386 $1,918 $2,042 $1,548

Martinsburg, PA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Martinsburg, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,384
GEICO $2,543
Liberty Mutual $5,414
Nationwide $3,379
Progressive $3,652
State Farm $2,577
Travelers $8,554
USAA $2,042

Martinsburg, PA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Martinsburg, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,462 $3,600
GEICO $2,543 $2,623
Liberty Mutual $5,165 $5,438
Nationwide $2,506 $2,506
Progressive $3,912 $3,912
State Farm $2,502 $2,653
Travelers $6,727 $6,727
USAA $1,674 $1,772

Martinsburg, PA Cheapest Car Insurance Rates

How do the top Martinsburg, Pennsylvania car insurance companies’ average rates stack up against the Martinsburg average monthly car insurance rates of $301? Take a look and see.

Best Annual Car Insurance Rates by Company in Martinsburg, Pennsylvania

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

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Martinsburg, PA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Martinsburg, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,531
GEICO $2,583
Liberty Mutual $5,302
Nationwide $2,506
Progressive $3,912
State Farm $2,577
Travelers $6,727
USAA $1,723

Other Factors Affecting Martinsburg, PA Car Insurance Rates

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

Martinsburg, PA Commute Time

How does your Martinsburg, PA commute time compare with the average driver? In Martinsburg, the average commute is 25.5 minutes.

Martinsburg, PA Car Insurance Quotes

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