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How much is car insurance in York?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in York is about $18 a month cheaper than it is for the rest of Pennsylvania.
Drivers relocating from out of state may enjoy some cost savings in York. Car insurance rates for the United States as a whole are, on average, $27 more expensive than the rates you'd pay in York.
Bear in mind that while these rates represent the expected monthly payments for residents of York, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for York residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may climb back up in York.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in York is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In York, having a single accident on your record will usually get you rates around $65 a month. In addition, drivers with one ticket can expect to pay around $75 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$50|
In terms of affordable coverage, the cheapest vehicles to insure in York are usually SUVs, at $49 per month.
Truck and van drivers will see rates of about $51 for car insurance coverage, while car owners by and large pay around $56 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In York, 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)||$56|
Generally speaking, married policyholders will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
The cost of auto insurance in York reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$59|
Another factor taken into consideration is your housing situation. In York, homeowners can expect to pay around $7 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in York, PA
Recent trends in car insurance for York 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.
The cost of insurance in York rose from 2016-2017, before steadying out in 2018. Car insurance rates finished up in 2021, at $57 per month
How does York compare to neighboring areas?
Why are car insurance rates in York different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total drivers
- Local laws
- Road Safety (frequency of car accidents)
- Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in York?
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 does all of that work for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in York.
York Insurance FAQs
What factors affect car insurance quotes in York?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in York different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in York?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to York?
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. 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 York 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?