Lancaster, PA Car Insurance

Are rates in Lancaster higher or lower than those in neighboring areas? How do they compare to the rest of Pennsylvania? What rates should residents of Lancaster expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Lancaster?

Car insurance coverage in Lancaster is about $16 cheaper than it is in the rest of Pennsylvania.

When stacked up against the national average, the average monthly policy payment for Lancaster is more affordable. Car insurance rates for the U.S. as a whole are, on average, $26 more expensive than the rates you'd pay in Lancaster.

Bear in mind that while these are the average car insurance rates for Lancaster, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 worry not, we've done the heavy lifting and broken down the average rate for Lancaster to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

The Cheapest Car Insurance Companies in Lancaster, Pennsylvania

While they may not be the cheapest for everyone, the insurers listed below are a great place to start if you’re looking for more affordable coverage in Lancaster.

The below rates in Lancaster, PA, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 

Company	Average Monthly Premium
Mile Auto	$41
State Farm	$42
Progressive	$47
Erie	$49
Auto-Owners	$50
State Farm	$54
Commonwealth Casualty	$54
GEICO	$54
USAA	$55
The General	$56
Certainly	$57
Safeco	$57
National General	$58
American Family	$60
State Farm	$61
First Acceptance	$61
The General	$61
Erie	$62
Nationwide	$63
Auto-Owners	$67
AssuranceAmerica	$67
Trexis	$68
Trexis One	$71
First Acceptance	$75
USAA	$77
Elephant	$77
Direct Auto	$78
Clearcover	$80
GAINSCO	$80
Auto-Owners	$82
Travelers	$82
GEICO	$83
Bristol West	$83
State Farm	$84
Allstate	$87
Safeco	$87
Mile Auto	$88
Dairyland	$88
Progressive	$89
Root	$89
Direct Auto	$91
Allstate	$93
National General	$93
Allstate	$94
CSAA	$96
GEICO	$99
Foremost	$99
Liberty Mutual	$99
Bristol West	$100
USAA	$100
Travelers	$101
Farmers	$103
Aspire General	$105
Nationwide	$106
Root	$106
USAA	$109
USAA	$110
Sun Coast	$111
National General	$112
GEICO	$113
Dairyland	$115
Mercury	$115
GEICO	$117
Mercury	$119
Dairyland	$122
Nationwide	$125
First Acceptance	$125
The General	$126
Chubb	$127
Alinsco	$130
Allstate	$131
Liberty Mutual	$131
Foremost	$131
Lone Star	$133
Root	$134
GAINSCO	$135
Nationwide	$137
Commonwealth Casualty	$138
Freedom National	$138
Allstate	$138
Dairyland	$139
Travelers	$141
GAINSCO	$141
Clearcover	$142
Direct Auto	$142
Bristol West	$143
State Auto	$143
Farmers	$143
Root	$144
Anchor	$145
Progressive	$147
Covercube	$147
Mendota	$148
State Auto	$148
Safeco	$152
AssuranceAmerica	$153
Bristol West	$154
State Farm	$154
Kemper Special	$155
Sun Coast	$156
Safeco	$157
Travelers	$161
Direct Auto	$162
CSAA	$162
National General	$165
Loop	$167
Elephant	$171
State Auto	$172
Kemper Rsvp	$173
National General	$174
21st Century	$176
Root	$177
Direct Auto	$180
Chubb	$186
Trexis One	$191
Dairyland	$195
The General	$199
Liberty Mutual	$203
GAINSCO	$204
AssuranceAmerica	$213
21st Century	$215
First Acceptance	$231
Liberty Mutual	$259
Bristol West	$280

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $36 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may begin to go back up in Lancaster.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. In Lancaster, although men do pay slightly less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Lancaster with a single accident will pay around $67 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $58.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Lancaster, with drivers paying around $50 per month to insure their vehicle.

Truck and van drivers will see rates of about $59, while the rates for car owners average out to about $57 a month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Lancaster, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Generally, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Lancaster is about $14 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing situation. In Lancaster, homeowners can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Recent trends in car insurance for Lancaster drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Auto insurance rates in Lancaster declined from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $42.

How does Lancaster compare to neighboring areas?

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

Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:

• Road Safety (frequency of local car accidents)

• Regional crime rates

• Amount of drivers

• Local laws

• Off-street parking availability

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?

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

Fortunately, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Lancaster.

Lancaster Insurance FAQs