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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Finding affordable car insurance in York starts with understanding where to find the best rates. The average driver in York pays $123 per month for car insurance, according to our data. York’s lower-than-average rates reflect the city’s mix of urban and suburban driving conditions and lower cost of living.[1] [2]
But several insurance companies offer rates below the citywide average. The three most affordable options are National General, State Farm, and Erie, with rates starting as low as $65 per month.
We’ll discuss the cheapest insurers in York for different driver types, how to pick the right company for your situation, and practical tips to save money on your car insurance.
National General offers the cheapest average rates in York, at $65 per month.
York drivers pay an average of $99 per month for liability coverage and $146 for full coverage.
Pennsylvania requires drivers to have 30/15/5 in liability insurance and $5,000 in medical benefits coverage.[3]
Even with York’s lower average rates, you can still find significant savings by shopping around. Several insurance companies offer rates below the citywide average.
The insurers below are York’s cheapest companies, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| National General | $65 |
| State Farm | $66 |
| Erie | $77 |
| Progressive | $81 |
| Auto-Owners | $82 |
| Safeco | $93 |
| Direct Auto | $96 |
| Foremost | $99 |
| Travelers | $99 |
| GEICO | $108 |
| Root | $108 |
| Bristol West | $113 |
| Allstate | $116 |
| CSAA | $117 |
| Dairyland | $130 |
| Nationwide | $132 |
| USAA | $135 |
| GAINSCO | $155 |
| Chubb | $156 |
| Liberty Mutual | $165 |
| State Auto | $182 |
National General has the cheapest coverage in York, at just $65 per month. The following sections break down the cheapest options by driver type and coverage level.
While the companies above offer great starting rates, your personal costs can swing dramatically due to factors like your driving history, your ZIP code, and the coverage you choose. That’s why it’s smart to compare rates from insurers that specialize in drivers with profiles similar to yours.
We’ll get you started with the cheapest companies for different drivers and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | National General | $65 |
| Full coverage | State Farm | $77 |
| Teens | State Farm | $129 |
| Seniors | National General | $50 |
| Drivers with a speeding ticket | National General | $83 |
| Drivers with an at-fault accident | National General | $79 |
| Drivers with a DUI | National General | $100 |
| Drivers with excellent credit | State Farm | $56 |
| Drivers with poor credit | National General | $80 |
Keep reading to learn more about the best insurance options for specific driver types and coverage levels.
Policies in York start as low as $65 per month.
The average cost for minimum coverage in York is $99 per month, according to Compare.com data. While Pennsylvania drivers need only state-minimum coverage, it may not be enough coverage for most people.
That’s why insurance experts recommend buying more coverage than your state requires, since minimum limits often won’t cover the full cost of a serious accident.[4] If you need only basic coverage, here are the five cheapest options in York.
Many drivers should consider full coverage because it offers greater protection. Full coverage includes the state’s minimum liability requirements plus comprehensive and collision insurance for your own vehicle. It covers other drivers’ injuries and vehicle damage, as well as your own.
Though full coverage is optional for some drivers, if you finance or lease your car, your lender or leasing company will likely require it to protect their investment. Even if you own your car outright, full coverage protects you from expensive repair bills after accidents, theft, or weather damage.[5]
York drivers pay an average of $146 per month for full coverage, but several insurers offer it for close to what you’d pay for liability-only coverage elsewhere.
Here are the five cheapest companies for full coverage in York, according to Compare.com data.
Teen drivers face some of the highest insurance rates of any age group. Insurance companies charge teens more because they have less driving experience and statistically cause more accidents than older drivers.[6]
The average teen in the U.S. pays nearly double the rate of someone 20 or older, according to our data. York teens pay a monthly average of $245, but you can still find good deals if you know where to look.
Check out the cheapest insurers in York for teen drivers, according to Compare.com data.
Senior drivers typically enjoy the lowest insurance rates of any age group. Insurers charge seniors lower rates because they tend to drive more carefully, take fewer risks, and have decades of driving experience.[7]
In York, seniors pay $106 per month on average. Even though senior rates are already low, you can likely find an even better deal if you shop around.
The following chart shows the five cheapest insurers in York for senior drivers, according to Compare.com data.
Getting a speeding ticket leads to steep fines and higher car insurance premiums when your policy renews. Insurance companies consider speeders higher-risk and think speeding is a sign that you’re more likely to file a claim in the future, so companies adjust your rates accordingly.[8]
Our data shows that one speeding ticket causes average rates to jump by 37% nationwide. Drivers with a recent ticket in York pay an average of $165 per month, but several insurers offer lower rates.
The chart below shows the five cheapest insurers in York for drivers with a recent ticket, according to Compare.com data.
At-fault accidents can cause your insurance rates to increase a lot more than a ticket. Insurance companies view accidents as a sign that you’re more likely to file claims in the future. Our research shows that a single at-fault accident causes average rates to increase by 41% nationwide.
If you have a recent accident in York, the average car insurance cost is $144 per month, according to Compare.com data. But you can often find better deals with the five insurers highlighted below.
If you get a DUI, prepare for the steepest increase in car insurance rates of any driving incident. Our research shows average rates increase by 61% nationwide after a DUI conviction. Beyond higher rates, getting a DUI makes it difficult to buy coverage. Many insurance companies won’t insure drivers with recent DUI convictions, leaving you with fewer options.[9]
The good news is that some insurers specialize in high-risk drivers, including drivers with DUIs. In York, drivers with a recent DUI pay an average of $198 per month for car insurance, according to Compare.com data.
But you don’t have to pay high rates forever. Here are the five cheapest insurers in York for drivers with DUI convictions, according to Compare.com data.
Your credit history can also affect your car insurance rates. Some insurance companies consider credit history when calculating rates. Companies will look at your credit-based insurance score to see how you manage debt and your likelihood of filing claims in the future.[10]
Our data shows drivers with poor credit pay 40% more than people with excellent credit. Drivers with poor credit in York pay an average of $154 per month, according to Compare.com data.
But not all companies use credit to determine your rates. The following chart shows the five cheapest insurers in York for drivers with poor credit, according to our data.
Compare personalized quotes from York’s top insurers.
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Pennsylvania, like nearly every state, requires all drivers to have car insurance. Here’s what you need to maintain legal coverage:
Bodily injury liability: $15,000 per person and $30,000 per accident
Property damage liability: $5,000 per accident
Medical benefits coverage: $5,000 per person per accident
The Pennsylvania Department of Transportation doesn’t require uninsured or underinsured motorist coverage, but you can buy it to protect yourself against drivers without coverage.
Meeting Pennsylvania’s minimum requirements is the bare minimum — it’s important to ensure your coverage gives you the most protection. As we mentioned, Pennsylvania’s minimum limits likely won’t provide enough coverage if you get into a serious accident.
Experts recommend buying coverage above the state’s minimum limits, and lenders usually require comprehensive and collision coverage if you finance or lease your car. Imagine causing an accident that seriously injures someone. The medical bills can easily exceed $15,000, and you’d be personally responsible for costs above your policy limits.
If you still have questions about car insurance in York, PA, here are the answers to some common questions to help you get the coverage you need.
York drivers pay an average of $123 per month for car insurance, according to our data. On average, liability coverage costs $99 per month, and full coverage costs $146. Keep in mind that personal factors like your age, driving history, and credit will affect your monthly premium.
No. The average rate in York is $123 per month compared to the national average of $149, according to our data. Remember, your car insurance rates will depend on multiple factors, including your address, driving history, age, and coverage choices.
National General offers the cheapest average insurance rates in York, at $65 per month, according to our data. Shopping around is always worth the effort since car insurance rates can vary by company.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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