Lebanon, PA Car Insurance

On average, Lebanon drivers pay a monthly average rate of around $54 for their car insurance. To learn more about car insurance rates in the Lebanon area, read our guide below.
How do rates in Lebanon measure up compared to neighboring areas, including Pennsylvania as a whole? How much can residents of Lebanon expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Lebanon?

Area Average Monthly Car Insurance Premium
Lebanon$54
PA$71
United States$80

According to the chart above, the average cost of auto insurance in Pennsylvania is about $17 a month more expensive than it is in Lebanon.

Similarly, the expected monthly payments for an auto insurance policy in Lebanon are below the national average. It's about $26 cheaper than the national average to insure your vehicle in Lebanon.

Bear in mind that while these rates represent the expected monthly payments for drivers in Lebanon, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

But don't worry, we've broken down average rates for Lebanon residents so that you can get a more accurate idea of what you might pay. 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$82
25-34$50
35-44$46
45-54$40
55-64$41
65+$43

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $39 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Lebanon may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$55

In general, female drivers pay less for car insurance than their male counterparts. In Lebanon, however, men actually pay a bit less than female drivers to insure their vehicle.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$52
1 Ticket$53
Multiple Tickets$44

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Lebanon, a driving record with one accident will usually get you a rate around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $53 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$38
2-3 Years$53
4-5 Years$57
6-7 Years$48
8-10 Years$52
11-14 Years$61
15 Years or Older$49

The cheapest vehicles to insure in Lebanon are by and large SUVs, with each type typically costing about $49 per month.

Truck and van drivers will see rates of about $50, while the rates for car owners average out to about $56 a month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Lebanon, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$42
Divorced$49
Widowed$51

Generally, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Lebanon 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$45
Rent$53
Live with parents$76

Another factor that comes into play is your living accommodations. Those who own their own home in Lebanon can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

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 Lebanon, PA

Recent trends in car insurance for Lebanon drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of car insurance coverage in Lebanon rose from 2016-2017, before leveling out in 2018. Policy premiums finished up in 2021, at $51 per month

How does Lebanon compare to neighboring areas?

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

Car insurance companies will take into account 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:

  • Total number of drivers
  • Crime rates
  • General road safety (how many accidents each locality has)
  • Access to off-street parking
  • Local laws

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Lebanon?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Fortunately, Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing coverage in Lebanon in no time.

Compare the cheapest quotes from dozens of insurance companies

Lebanon Insurance FAQs

What factors affect car insurance quotes in Lebanon?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 Lebanon?

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 Lebanon?

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?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Lebanon or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes