Lebanon, PA Car Insurance

Residents of Lebanon pay around $53 monthly for their car insurance coverage. Read our guide below to learn more about your specific rates.
How does Lebanon compare to the surrounding area and the rest of Pennsylvania? What rates can residents of Lebanon expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Lebanon?

Area Average Monthly Car Insurance Premium
Lebanon$53
PA$71
United States$81

As you can see in the chart above, it is around $18 a month cheaper to insure your vehicle in Lebanon than it is in the rest of Pennsylvania.

Likewise, car insurance rates in Lebanon are more affordable than the national average. You can expect to pay about $28 less for your policy in Lebanon than in the rest of United States.

Bear in mind that while these rates represent the expected monthly payments for Lebanon drivers, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Lebanon so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$84
25-34$49
35-44$45
45-54Not Enough Data
55-64$39
65+$43

Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Lebanon drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$52

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Lebanon, although women do pay a bit less on their monthly auto coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$59
Multiple Accidents$55
1 Ticket$62
Multiple Tickets$62

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Lebanon with one accident will pay around $59 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $62 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$38
2-3 Years$51
4-5 Years$50
6-7 Years$50
8-10 Years$52
11-14 Years$58
15 Years or Older$50

As you can see in the first table above, the cheapest vehicles to insure in Lebanon are usually SUVs, trucks, and vans, which run about $48 per month.

On the other hand, car owners, can expect to pay about $55 per month for insurance coverage.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. 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)$55
Married$43
Divorced$46
Widowed$48

Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Lebanon, with married couples paying about $12 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$52
Live with parents$73

Your housing status is another factor that affects your monthly rate. Those who own their own home in Lebanon can expect to pay around $3 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Lebanon, PA

Recent trends in car insurance for Lebanon drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

In Lebanon, the rates for auto insurance dropped from 2017-2018, before steadying out in 2019. Insurance rates finished down in 2022, at $35 a month

How does Lebanon compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Amount of off-street parking
  • Road safety
  • Number of drivers in the community
  • Area laws
  • Local crime rates

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Lebanon?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Lebanon.

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Lebanon Insurance FAQs

What factors affect car insurance quotes in Lebanon?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Lebanon different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

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 Lebanon?

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?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Lebanon or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes