Lancaster, PA Car Insurance
On average, Lancaster drivers pay a monthly average rate of around $55 for their car insurance. Learn more in our handy guide below.
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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?
Area | Average Monthly Car Insurance Premium |
|---|---|
| Lancaster | $55 |
| PA | $71 |
| United States | $81 |
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, August 10 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $41 |
| State Farm | $42 |
| Progressive | $46 |
| Auto-Owners | $48 |
| Erie | $48 |
| State Farm | $52 |
| Commonwealth Casualty | $53 |
| GEICO | $53 |
| USAA | $53 |
| Safeco | $56 |
| The General | $56 |
| Certainly | $58 |
| National General | $58 |
| American Family | $60 |
| Erie | $60 |
| First Acceptance | $61 |
| Hugo | $63 |
| Auto-Owners | $64 |
| State Farm | $67 |
| Trexis | $67 |
| AssuranceAmerica | $68 |
| Allstate | $69 |
| Trexis One | $71 |
| First Acceptance | $72 |
| Progressive | $72 |
| The General | $72 |
| Allstate | $77 |
| Direct Auto | $77 |
| GAINSCO | $77 |
| Elephant | $78 |
| Travelers | $78 |
| Clearcover | $80 |
| GEICO | $80 |
| USAA | $80 |
| Bristol West | $83 |
| Safeco | $84 |
| Direct Auto | $85 |
| Auto-Owners | $86 |
| Dairyland | $87 |
| Root | $89 |
| State Farm | $89 |
| National General | $92 |
| Liberty Mutual | $94 |
| Progressive | $95 |
| Bristol West | $96 |
| Mile Auto | $96 |
| Travelers | $99 |
| Farmers | $101 |
| GEICO | $104 |
| USAA | $104 |
| Aspire General | $106 |
| Foremost | $106 |
| USAA | $106 |
| Root | $109 |
| Sun Coast | $110 |
| GEICO | $111 |
| Dairyland | $113 |
| Mercury | $115 |
| National General | $116 |
| Foremost | $118 |
| USAA | $120 |
| Chubb | $122 |
| GEICO | $122 |
| Insurify Car | $122 |
| Dairyland | $127 |
| First Acceptance | $127 |
| Mercury | $130 |
| Liberty Mutual | $131 |
| GAINSCO | $132 |
| The General | $132 |
| Alinsco | $133 |
| Direct Auto | $135 |
| Root | $135 |
| Lone Star | $138 |
| Progressive | $138 |
| GAINSCO | $140 |
| State Auto | $140 |
| State Auto | $142 |
| Commonwealth Casualty | $143 |
| Covercube | $146 |
| Farmers | $146 |
| Anchor | $148 |
| Bristol West | $149 |
| Clearcover | $149 |
| Travelers | $149 |
| Root | $150 |
| Dairyland | $154 |
| AssuranceAmerica | $157 |
| Mendota | $158 |
| Safeco | $158 |
| Sun Coast | $158 |
| Bristol West | $159 |
| State Farm | $159 |
| Excepsure | $162 |
| Kemper Special | $162 |
| Allstate | $163 |
| Safeco | $164 |
| Allstate | $167 |
| Direct Auto | $167 |
| Travelers | $167 |
| CSAA | $168 |
| Loop | $173 |
| Direct Auto | $174 |
| Elephant | $176 |
| National General | $176 |
| Kemper Rsvp | $178 |
| State Auto | $180 |
| National General | $181 |
| 21st Century | $182 |
| Root | $188 |
| GAINSCO | $195 |
| Chubb | $204 |
| Dairyland | $205 |
| The General | $205 |
| Trexis One | $206 |
| AssuranceAmerica | $207 |
| Liberty Mutual | $207 |
| Insurify Car | $222 |
| First Acceptance | $232 |
| 21st Century | $236 |
| First Acceptance | $243 |
| Hugo | $243 |
| Hugo | $262 |
| Liberty Mutual | $273 |
| Chubb | $283 |
| Bristol West | $286 |
| Foremost | $326 |
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
Age Range | Average Premium |
|---|---|
| Under 18 | $81 |
| 18-24 | $79 |
| 25-34 | $50 |
| 35-44 | $47 |
| 45-54 | $49 |
| 55-64 | $39 |
| 65+ | $43 |
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
Gender | Average |
|---|---|
| Male | $55 |
| Female | $56 |
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
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $67 |
| Multiple Accidents | $62 |
| 1 Ticket | $58 |
| Multiple Tickets | $70 |
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
Category | Price |
|---|---|
| Car | $57 |
| SUV | $50 |
| Truck/Van | $59 |
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $50 |
| 2-3 Years | $54 |
| 4-5 Years | $50 |
| 6-7 Years | $50 |
| 8-10 Years | $61 |
| 11-14 Years | $53 |
| 15 Years or Older | $57 |
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
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $57 |
| Married | $43 |
| Divorced | $51 |
| Widowed | $54 |
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
Housing Status | Average Monthly Premium |
|---|---|
| Own | $50 |
| Rent | $56 |
| Live with parents | $71 |
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
Category | Price |
|---|---|
| 2017 | $72 |
| 2018 | $49 |
| 2019 | $46 |
| 2020 | $52 |
| 2021 | $61 |
| 2022 | $42 |
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?
Category | Price |
|---|---|
| HARRISBURG | $53 |
| YORK | $55 |
| LEBANON | $55 |
| PHILADELPHIA | $106 |
| READING | $64 |
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
Why is the cost of car insurance in Lancaster different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lancaster?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
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.
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