Best Cheap Auto Insurance in Lancaster, PA (2021)

The average Lancaster, PA auto insurance rates are $299 per month. The minimum auto insurance in Lancaster is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Lancaster, Pennsylvania, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Lancaster is USAA
  • The minimum auto insurance required in Lancaster, Pennsylvania is 15/30/5
  • The most expensive auto insurance company in Lancaster for teen drivers is Travelers

Lancaster, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania auto insurance laws. Finding cheap auto insurance in Lancaster can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lancaster, Pennsylvania, including driving record, credit, commute time, and more.

Compare auto insurance in Lancaster to other Pennsylvania cities, including Pittsburgh auto insurance rates, Philadelphia auto insurance rates, and York auto insurance rates to see how Lancaster, Pennsylvania auto insurance rates stack up.

Before you buy Lancaster, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lancaster, Pennsylvania auto insurance quotes.

Minimum Auto Insurance in Lancaster, Pennsylvania

Lancaster, Pennsylvania auto insurance laws require that you have at least the Pennsylvania minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lancaster, Pennsylvania.

Minimum Required Auto Insurance Coverage in Lancaster, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Lancaster, Pennsylvania Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lancaster, Pennsylvania are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lancaster, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,261 $2,261 $2,105 $2,105 $7,868 $7,868 $2,466 $2,466
GEICO $1,782 $1,544 $1,699 $1,473 $4,485 $3,889 $1,783 $1,545
Liberty Mutual $3,190 $3,190 $2,926 $2,926 $9,243 $9,243 $4,039 $4,039
Nationwide $1,646 $1,646 $1,562 $1,562 $4,685 $4,685 $1,850 $1,850
Progressive $2,567 $2,567 $2,295 $2,295 $8,443 $8,443 $3,272 $3,272
State Farm $1,484 $1,484 $1,319 $1,319 $5,441 $5,441 $1,644 $1,644
Travelers $1,586 $1,586 $1,725 $1,725 $23,706 $23,706 $1,895 $1,895
USAA $1,022 $1,022 $927 $927 $3,122 $3,122 $1,348 $1,348

Cheap Lancaster, Pennsylvania Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lancaster, Pennsylvania is a challenge. Take a look at the annual teen auto insurance rates in Lancaster, Pennsylvania.

Annual Auto Insurance Rates for Teen Drivers in Lancaster, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,868 $7,868
GEICO $4,485 $3,889
Liberty Mutual $9,243 $9,243
Nationwide $4,685 $4,685
Progressive $8,443 $8,443
State Farm $5,441 $5,441
Travelers $23,706 $23,706
USAA $3,122 $3,122

Cheap Lancaster, Pennsylvania Auto Insurance for Seniors

What are senior auto insurance rates in Lancaster, Pennsylvania? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Lancaster, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,105 $2,105
GEICO $1,699 $1,473
Liberty Mutual $2,926 $2,926
Nationwide $1,562 $1,562
Progressive $2,295 $2,295
State Farm $1,319 $1,319
Travelers $1,725 $1,725
USAA $927 $927

Cheap Lancaster, Pennsylvania Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lancaster, Pennsylvania compared to the annual auto insurance rates with a clean record in Lancaster, Pennsylvania.

Annual Lancaster, Pennsylvania Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,515 $4,156 $3,515 $3,515
GEICO $1,688 $2,849 $2,244 $2,320
Liberty Mutual $4,401 $5,092 $4,953 $4,953
Nationwide $1,762 $2,358 $3,274 $2,348
Progressive $3,752 $5,215 $3,856 $3,754
State Farm $2,248 $2,695 $2,472 $2,472
Travelers $5,099 $7,299 $9,214 $7,299
USAA $1,291 $1,786 $1,902 $1,441

Cheap Lancaster, Pennsylvania Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lancaster, Pennsylvania is not easy. Compare the annual rates for DUI auto insurance in Lancaster, Pennsylvania to find the best deal.

Annual Auto Insurance Rates After a DUI in Lancaster, Pennsylvania

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,515
GEICO $2,244
Liberty Mutual $4,953
Nationwide $3,274
Progressive $3,856
State Farm $2,472
Travelers $9,214
USAA $1,902

Cheap Lancaster, Pennsylvania Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lancaster, Pennsylvania annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Lancaster, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,688 $3,509 $2,829
GEICO $3,408 $1,926 $1,491
Liberty Mutual $6,187 $4,440 $3,922
Nationwide $2,854 $2,353 $2,100
Progressive $5,479 $3,856 $3,097
State Farm $3,518 $2,178 $1,719
Travelers $7,836 $7,112 $6,736
USAA $1,996 $1,493 $1,326

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Lancaster, Pennsylvania Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lancaster, Pennsylvania can vary. Compare the annual cost of auto insurance by ZIP code in Lancaster, Pennsylvania to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lancaster, Pennsylvania

ZIP Code Average Annual Rates
17601 $4,467
17602 $4,644
17603 $4,511
17611 $4,487

Cheap Lancaster, Pennsylvania Auto Insurance Rates By Commute

Commute length and annual mileage affect Lancaster, Pennsylvania auto insurance. Find the cheapest annual Lancaster, Pennsylvania auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lancaster, Pennsylvania

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,599 $3,751
GEICO $2,242 $2,308
Liberty Mutual $4,727 $4,973
Nationwide $2,436 $2,436
Progressive $4,144 $4,144
State Farm $2,399 $2,545
Travelers $7,228 $7,228
USAA $1,559 $1,650

Cheap Lancaster, Pennsylvania Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lancaster, Pennsylvania? Check out the comparison of annual Lancaster, Pennsylvania auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lancaster, Pennsylvania

Insurance Company Low Medium High
Allstate $3,501 $3,701 $3,824
GEICO $2,075 $2,299 $2,452
Liberty Mutual $4,590 $4,889 $5,070
Nationwide $2,441 $2,471 $2,395
Progressive $3,779 $4,186 $4,467
State Farm $2,290 $2,510 $2,615
Travelers $7,290 $7,249 $7,145
USAA $1,480 $1,621 $1,713

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Lancaster, Pennsylvania

Compare the cheapest auto insurance companies in Lancaster, Pennsylvania in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Lancaster, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Lancaster, Pennsylvania Auto Insurance Companies

What auto insurance companies in Lancaster, Pennsylvania are the cheapest? Compare the top Lancaster, Pennsylvania auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Lancaster, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,675
GEICO $2,275
Liberty Mutual $4,850
Nationwide $2,436
Progressive $4,144
State Farm $2,472
Travelers $7,228
USAA $1,605

What affects auto insurance rates in Lancaster, Pennsylvania?

There are a lot of reasons why auto insurance rates in Lancaster, Pennsylvania are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lancaster, Pennsylvania. Many local factors may affect your Lancaster auto insurance rates.

Lancaster Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lancaster, Pennsylvania commute length is 21.0 minutes according to City-Data.

Lancaster Traffic

How does Lancaster, Pennsylvania rank for traffic? According to Inrix Lancaster, Pennsylvania is the 297th most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Lancaster, Pennsylvania Auto Insurance Quotes

Before you buy Lancaster, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lancaster, Pennsylvania auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption