Cheap Car Insurance in Lancaster, PA, Starting at $43 (2024)

FAQs

Who has the cheapest auto insurance in PA? ›

Among nationally available providers, USAA offers the cheapest minimum liability car insurance at 46% below average. If you don't have any military affiliation, Geico will be the most affordable option.

USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.

So it's important to understand insurance groups – after all, there are 50 of them in total. Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure. Those in group 50 are the riskiest and most expensive – usually higher performance models and luxury SUVs.

Key Takeaways: Geico is best for you if you're simply looking for the cheapest option, as the provider has a cheaper average rate estimate in 82% of states across the U.S. Progressive is best for you if you're looking for more coverage options, add-ons and customizations.

Geico is the less expensive of these two insurers for most drivers, but Allstate scores points for its large agent network and for its Claim Satisfaction guarantee.

Brooklyn, New York, is the most expensive city in the U.S. for full coverage car insurance according to our research. Many of the cheapest cities for full coverage are in Massachusetts, Ohio and Vermont.

Increase your deductible

Depending on your insurance provider, paying a higher deductible (the amount you pay out of pocket before your insurance coverage kicks in, in the event of an incident) is typically a quick and easy way you can decrease your auto insurance payments.

What is the cheapest auto insurance for seniors? ›

USAA is the cheapest car insurance company for seniors age 65, costing an average of $1,322 a year or $110 a month, according to our analysis. USAA is available only to customers with a military affiliation. Nationwide is the cheapest auto insurer available to all drivers.

Young drivers ages 16 to 24 tend to have the most expensive car insurance. Drivers in this age group are often inexperienced and are more likely to get into car accidents and file insurance claims. As a result, car insurance companies often charge higher premiums to young drivers.

According to our research, the best car insurance companies in Pennsylvania are Travelers, Erie Insurance, Nationwide, State Farm and USAA. Each company receives high marks in consumer studies, offers some of the cheapest rates in the state and provides a variety of auto coverage options.

Drivers pay a monthly average of $174 for full-coverage car insurance in Pennsylvania, while liability-only policies average $91. Liability-only coverage will meet the state's minimum coverage requirements for property damage or injuries you might cause in an accident.

The minimum limits for Pennsylvania auto insurance are: Bodily injury liability coverage: $15,000 per person, $30,000 per accident. Property damage liability coverage: $5,000. Uninsured motorist coverage: $15,000 per person, $30,000 per accident*