Buy Cheap Lancaster, PA Auto Insurance (2022)

Lancaster, PA auto insurance rates average $299 a month. Minimum auto insurance requirements in Lancaster, Pennsylvania are 15/30/5 to comply with Pennsylvania laws. To buy cheap auto insurance in Lancaster, PA, compare Lancaster auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Lancaster, PA after a DUI are $3,928/year
  • Average auto insurance rates in Lancaster, PA for teens drivers are $8,374/year
  • The most expensive auto insurance company in Lancaster is Travelers

Finding affordable Lancaster, Pennsylvania auto insurance can be challenging, but everything you need to know to buy cheap Lancaster, PA auto insurance with confidence is right here. Auto insurance rates in Lancaster are affected by local factors as well as personal ones like your driving record.

See how Lancaster, PA car insurance rates compare to Philadelphia auto insurance rates, Lancaster auto insurance rates, and Reading auto insurance rates before you read more about the cost of auto insurance in Lancaster.

Don’t buy Lancaster, PA auto insurance until you’ve compared rates. Get free Lancaster, Pennsylvania auto insurance quotes when you enter your ZIP code above.

Lancaster, PA Minimum Auto Insurance Requirements

The required auto insurance in Lancaster, PA is 15/30/5 according to the auto insurance laws in Pennsylvania. The minimum auto insurance in Lancaster, Pennsylvania is outlined here.

Minimum Required Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Lancaster, PA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lancaster, PA. Take a look at Lancaster, Pennsylvania auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Lancaster, PA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lancaster, Pennsylvania auto insurance rates? Find out how car insurance rates in Lancaster, PA are impacted by demographics.

Annual Auto 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

Buy Cheap Lancaster, PA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lancaster can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lancaster, PA are listed here.

Annual Auto 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

Buy Cheap Lancaster, PA Auto Insurance for Seniors

You can save on senior auto insurance rates in Lancaster, Pennsylvania by comparing Lancaster senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lancaster, PA here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Lancaster, PA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lancaster, Pennsylvania auto insurance. Compare Lancaster, PA auto insurance rates by coverage level.

Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Lancaster, PA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lancaster. Compare auto insurance rates in Lancaster, PA by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Lancaster, PA Auto Insurance Rates by ZIP Code

Auto insurance rates in Lancaster, Pennsylvania can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lancaster, PA to see how much where you live in Lancaster affects the cost of car insurance.

Annual Auto 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

Find Cheap Lancaster, PA Auto Insurance Rates by Driving Record

Auto insurance rates in Lancaster, Pennsylvania are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lancaster, PA, take a look at the average cost for various violations versus rates for a clean driving record in Lancaster.

Annual Lancaster, Pennsylvania Auto 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

Find Cheap Lancaster, PA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lancaster, Pennsylvania is higher than for a clean driving record. You can buy auto insurance after a DUI in Lancaster for less when you shop around and compare rates from multiple Lancaster, PA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lancaster, Pennsylvania

Insurance Company Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Winners by Category: Where to Buy Cheap Auto Insurance in Lancaster, PA

Compare rates from the cheapest auto insurance companies in Lancaster, PA for your needs. Take a look at how Lancaster, Pennsylvania auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Lancaster, Pennsylvania Auto Insurance Companies

If you’re looking for the cheapest Lancaster, PA auto insurance companies overall, you can compare them here. Find the best price for Lancaster, Pennsylvania car insurance by company.

Average Annual Auto 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

What affects Lancaster, Pennsylvania auto insurance rates?

Local factors affect auto insurance rates in Lancaster, PA, including traffic, theft statistics, and commute length. Take a look at the things that impact Lancaster auto insurance rates.

Commute Times in Lancaster

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lancaster, PA is 21.0 minutes according to City-Data.

Traffic in Lancaster

How is traffic in Lancaster, Pennsylvania? Inrix data shows that Lancaster, PA traffic makes it the 297th-most congested city compared to other cities worldwide.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in Lancaster, PA

You can buy cheap Lancaster, PA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lancaster, Pennsylvania auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption