Carlisle, PA Car Insurance

Carlisle drivers pay, on average, around $45 a month for their car insurance. To learn more about car insurance rates in the Carlisle area, read our guide below.
How much can residents of Carlisle expect to pay for their car insurance? How does Carlisle compare to the surrounding area and the rest of Pennsylvania? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Carlisle?

Area Average Monthly Car Insurance Premium
Carlisle$45
PA$71
United States$80

According to the chart above, the average cost of auto insurance in Pennsylvania is about $26 a month more expensive than it is in Carlisle.

If you're thinking of moving to Carlisle from out of state, you may still be in luck. Car insurance rates for the U.S. as a whole are, on average, $35 more expensive than the rates you'd pay in Carlisle.

While these numbers are the average rates for auto insurance in Carlisle, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Carlisle residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$68
25-34$42
35-44$44
45-54$37
55-64$30
65+$35

The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $33 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates climb back up a bit in Carlisle.

Average Car Insurance Rates by Gender

Gender Average
Male$42
Female$48

Although female drivers pay, on average, less than male drivers for auto insurance coverage, Carlisle actually defies this trend. While female drivers pay $48 a month for car insurance coverage, males only pay about $42.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$46
1 TicketNot Enough Data
Multiple Tickets$78

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Carlisle, a driving record with a single accident will usually get you a rate around $63 a month.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$39
2-3 Years$39
4-5 Years$42
6-7 Years$39
8-10 Years$53
11-14 Years$47
15 Years or Older$43

As you can see in the first table above, the cheapest vehicles to insure in Carlisle are usually trucks and vans, which run about $35 per month.

Car owners can expect to pay an average of around $45 a month for their policy, while SUVs usually cost around $48 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Carlisle, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$47
Married$38
Divorced$37
Widowed$47

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Carlisle can be as much as $9 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$45
Live with parents$66

One other element taken into consideration is your housing situation. Homeowners in Carlisle can expect to pay around $2 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Carlisle, PA

Recent trends in car insurance for Carlisle drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The cost of car insurance coverage in Carlisle rose from 2016-2018, before leveling out in 2019. Rates had been increasing again recently, reaching a high of $53 in 2021.

How does Carlisle compare to neighboring areas?

Why are car insurance rates in Carlisle different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Total amount of drivers in the area
  • Number of car accidents
  • Area regulations
  • Rate of crime
  • Off-street parking accessibility

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Carlisle?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Carlisle.

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Carlisle Insurance FAQs

What factors affect car insurance quotes in Carlisle?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Carlisle different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Carlisle?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Carlisle?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Carlisle or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes