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

  • The cheapest car insurance company in Mechanicsburg after a DUI is USAA
  • The cheapest car insurance company in Mechanicsburg for teen drivers is USAA
  • Average car insurance rates in Mechanicsburg, PA for senior drivers are $1,659/year

Average car insurance rates in Mechanicsburg, Pennsylvania are $274 a month. But with a little research you can get a great deal from the top car insurance companies in Mechanicsburg, PA. Before you buy Mechanicsburg, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

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

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

Mechanicsburg, PA Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Mechanicsburg, Pennsylvania

Insurance Company Low Medium High
Allstate $3,158 $3,326 $3,432
GEICO $1,711 $1,918 $2,065
Liberty Mutual $4,124 $4,400 $4,570
Nationwide $2,253 $2,288 $2,222
Progressive $3,529 $3,907 $4,170
State Farm $2,203 $2,409 $2,507
Travelers $6,789 $6,711 $6,610
USAA $1,435 $1,577 $1,672

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mechanicsburg, 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 $2,078 $2,078 $1,925 $1,925 $6,943 $6,943 $2,276 $2,276
GEICO $1,492 $1,295 $1,431 $1,242 $3,713 $3,224 $1,492 $1,295
Liberty Mutual $2,872 $2,872 $2,634 $2,634 $8,316 $8,316 $3,636 $3,636
Nationwide $1,524 $1,524 $1,445 $1,445 $4,336 $4,336 $1,712 $1,712
Progressive $2,397 $2,397 $2,143 $2,143 $7,878 $7,878 $3,056 $3,056
State Farm $1,422 $1,422 $1,263 $1,263 $5,233 $5,233 $1,575 $1,575
Travelers $1,500 $1,500 $1,623 $1,623 $21,892 $21,892 $1,800 $1,800
USAA $997 $997 $905 $905 $3,027 $3,027 $1,315 $1,315

Mechanicsburg, PA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Mechanicsburg, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,943 $6,943
GEICO $3,713 $3,224
Liberty Mutual $8,316 $8,316
Nationwide $4,336 $4,336
Progressive $7,878 $7,878
State Farm $5,233 $5,233
Travelers $21,892 $21,892
USAA $3,027 $3,027

Mechanicsburg, PA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Mechanicsburg, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,925 $1,925
GEICO $1,431 $1,242
Liberty Mutual $2,634 $2,634
Nationwide $1,445 $1,445
Progressive $2,143 $2,143
State Farm $1,263 $1,263
Travelers $1,623 $1,623
USAA $905 $905

Mechanicsburg, PA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Mechanicsburg, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,231 $3,147 $2,538
GEICO $2,834 $1,610 $1,251
Liberty Mutual $5,565 $3,997 $3,531
Nationwide $2,640 $2,178 $1,945
Progressive $5,115 $3,600 $2,891
State Farm $3,378 $2,091 $1,650
Travelers $7,280 $6,592 $6,238
USAA $1,943 $1,452 $1,289

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Mechanicsburg, PA Car Insurance Rates by Driver History

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

Annual Mechanicsburg, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,166 $3,724 $3,166 $3,166
GEICO $1,407 $2,380 $1,874 $1,930
Liberty Mutual $3,967 $4,576 $4,457 $4,457
Nationwide $1,633 $2,182 $3,029 $2,173
Progressive $3,504 $4,864 $3,602 $3,506
State Farm $2,158 $2,588 $2,373 $2,373
Travelers $4,747 $6,770 $8,528 $6,770
USAA $1,257 $1,736 $1,850 $1,403

Mechanicsburg, PA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Mechanicsburg, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,166
GEICO $1,874
Liberty Mutual $4,457
Nationwide $3,029
Progressive $3,602
State Farm $2,373
Travelers $8,528
USAA $1,850

Mechanicsburg, PA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Mechanicsburg, Pennsylvania

ZIP Code Average Annual Rates
17050 $4,110
17055 $4,121

Mechanicsburg, PA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Mechanicsburg, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,240 $3,371
GEICO $1,869 $1,927
Liberty Mutual $4,254 $4,475
Nationwide $2,254 $2,254
Progressive $3,869 $3,869
State Farm $2,303 $2,443
Travelers $6,704 $6,704
USAA $1,517 $1,605

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Mechanicsburg, PA Cheapest Car Insurance Rates

How do the top Mechanicsburg, Pennsylvania car insurance companies’ average rates stack up against the Mechanicsburg average monthly car insurance rates of $274? Take a look and see.

Best Annual Car Insurance Rates by Company in Mechanicsburg, Pennsylvania

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

Mechanicsburg, PA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Mechanicsburg, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,305
GEICO $1,898
Liberty Mutual $4,364
Nationwide $2,254
Progressive $3,869
State Farm $2,373
Travelers $6,704
USAA $1,561

Other Factors Affecting Mechanicsburg, PA Car Insurance Rates

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

Mechanicsburg, PA Commute Time

How does your Mechanicsburg, PA commute time compare with the average driver? In Mechanicsburg, the average commute is 20.9 minutes.

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Mechanicsburg, PA Car Insurance Quotes

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