Lancaster, PA Car Insurance

The average monthly cost for car insurance in Lancaster is about $55. To learn more about policy rates and coverage in the Lancaster area, continue reading our guide below.
What rates can residents of Lancaster expect to pay for their car insurance? Are rates in Lancaster higher or lower than those in neighboring areas? How do they compare to the rest of Pennsylvania? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Lancaster?

Area Average Monthly Car Insurance Premium
Lancaster$55
PA$71
United States$80

Based on the above chart, auto insurance policies in Lancaster are about $16 a month cheaper than in the rest of Pennsylvania.

Likewise, when compared to the national average, the cost for auto insurance in Lancaster is lower. Car insurance rates for the United States as a whole are, on average, $25 more expensive than the rates you'd pay in Lancaster.

These may be the average auto insurance rates for Lancaster, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down average rates for Lancaster residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$81
18-24$79
25-34$50
35-44$47
45-54Not Enough Data
55-64$40
65+$44

Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $35 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Lancaster.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$58

While women typically pay less than men do for auto insurance, Lancaster defies this trend. Female drivers typically pay around $5 more per month for insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$65
Multiple Accidents$59
1 Ticket$54
Multiple Tickets$70

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. The rate for drivers in Lancaster with a single accident on their record is about $65 a month. Similarly, drivers with one ticket will typically pay around $54 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$50
2-3 Years$45
4-5 Years$50
6-7 Years$49
8-10 Years$58
11-14 Years$54
15 Years or Older$58

In terms of affordable coverage, the cheapest vehicles to insure in Lancaster are typically SUVs, at $51 per month.

SUV owners will see rates of about $51, while truck and van owners usually pay around $59 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Lancaster, vehicles fifteen years and older and eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$43
Divorced$51
Widowed$54

More often than not, those who are currently married will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Lancaster follows that pattern, with the difference totaling to around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$57
Live with parents$65

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $7 a month more than drivers who own property in Lancaster. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Lancaster, PA

Recent trends in car insurance for Lancaster 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.

Insurance rates in Lancaster have been mixed recently. They rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $61 in 2021.

How does Lancaster compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Frequency of car accidents
  • Community regulations
  • Access to off-street parking
  • Crime
  • Total drivers

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Lancaster?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Lancaster.

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Lancaster Insurance FAQs

What factors affect car insurance quotes in Lancaster?

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

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lancaster or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes