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

  • Average car insurance rates in York, PA are $307/month
  • The cheapest car insurance company in York for teen drivers is USAA
  • Average car insurance rates in York, PA for senior drivers are $1,858/year

Average car insurance rates in York, Pennsylvania are $307 a month. But with a little research you can get a great deal from the top car insurance companies in York, PA. Before you buy York, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

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

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

York, PA Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in York, Pennsylvania

Insurance Company Low Medium High
Allstate $3,238 $3,422 $3,537
GEICO $2,087 $2,304 $2,449
Liberty Mutual $4,912 $5,218 $5,406
Nationwide $2,741 $2,799 $2,729
Progressive $3,703 $4,122 $4,420
State Farm $2,586 $2,830 $2,943
Travelers $7,491 $7,474 $7,384
USAA $1,452 $1,596 $1,689

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in York, 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 $2,125 $2,125 $1,971 $1,971 $7,176 $7,176 $2,325 $2,325
GEICO $1,778 $1,540 $1,688 $1,463 $4,520 $3,922 $1,784 $1,546
Liberty Mutual $3,403 $3,403 $3,120 $3,120 $9,880 $9,880 $4,312 $4,312
Nationwide $1,855 $1,855 $1,761 $1,761 $5,323 $5,323 $2,087 $2,087
Progressive $2,536 $2,536 $2,269 $2,269 $8,297 $8,297 $3,225 $3,225
State Farm $1,670 $1,670 $1,483 $1,483 $6,141 $6,141 $1,851 $1,851
Travelers $1,631 $1,631 $1,775 $1,775 $24,442 $24,442 $1,950 $1,950
USAA $1,007 $1,007 $914 $914 $3,067 $3,067 $1,330 $1,330

York, PA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in York, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,176 $7,176
GEICO $4,520 $3,922
Liberty Mutual $9,880 $9,880
Nationwide $5,323 $5,323
Progressive $8,297 $8,297
State Farm $6,141 $6,141
Travelers $24,442 $24,442
USAA $3,067 $3,067

York, PA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in York, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,971 $1,971
GEICO $1,688 $1,463
Liberty Mutual $3,120 $3,120
Nationwide $1,761 $1,761
Progressive $2,269 $2,269
State Farm $1,483 $1,483
Travelers $1,775 $1,775
USAA $914 $914

York, PA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in York, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,347 $3,239 $2,612
GEICO $3,416 $1,930 $1,494
Liberty Mutual $6,608 $4,740 $4,187
Nationwide $3,225 $2,665 $2,379
Progressive $5,397 $3,798 $3,050
State Farm $3,969 $2,455 $1,936
Travelers $8,080 $7,330 $6,939
USAA $1,966 $1,468 $1,304

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York, PA Car Insurance Rates by Driver History

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

Annual York, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,254 $3,834 $3,254 $3,254
GEICO $1,683 $2,884 $2,240 $2,314
Liberty Mutual $4,704 $5,433 $5,289 $5,289
Nationwide $1,994 $2,671 $3,706 $2,654
Progressive $3,696 $5,128 $3,801 $3,702
State Farm $2,534 $3,039 $2,786 $2,786
Travelers $5,258 $7,521 $9,498 $7,521
USAA $1,270 $1,756 $1,873 $1,418

York, PA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in York, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,254
GEICO $2,240
Liberty Mutual $5,289
Nationwide $3,706
Progressive $3,801
State Farm $2,786
Travelers $9,498
USAA $1,873

York, PA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in York, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,331 $3,467
GEICO $2,246 $2,314
Liberty Mutual $5,047 $5,310
Nationwide $2,756 $2,756
Progressive $4,082 $4,082
State Farm $2,704 $2,869
Travelers $7,450 $7,450
USAA $1,535 $1,624

York, PA Cheapest Car Insurance Rates

How do the top York, Pennsylvania car insurance companies’ average rates stack up against the York average monthly car insurance rates of $307? Take a look and see.

Best Annual Car Insurance Rates by Company in York, 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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York, PA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in York, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,399
GEICO $2,280
Liberty Mutual $5,179
Nationwide $2,756
Progressive $4,082
State Farm $2,786
Travelers $7,450
USAA $1,579

Other Factors Affecting York, PA Car Insurance Rates

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

York, PA Commute Time

How does your York, PA commute time compare with the average driver? In York, the average commute is 26.1 minutes.

York, PA Traffic

Spending time in York traffic can lead to higher car insurance rates. According to INRIX data, York, PA ranks as the 3rd-most congested with traffic in the world.

York, PA Car Insurance Quotes

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