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Cheapest Car Insurance In Lancaster, PA

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Updated: 15 September 2023
Written by
Doug Schaffer

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If you’re after the best value for car insurance, look no further. My research reveals Travelers as offering the cheapest car insurance in Lancaster.

It’s not just about saving money each month – getting the right coverage is crucial for your financial well-being. You don’t want to be caught in a tough spot if you’re in an accident, and someone gets hurt or worse. It’s all about protecting yourself when it matters most.

With 15 years as a licensed insurance agent and over 35 years buying car insurance, I’ve seen it all. Each company is top-notch, but they cater to different needs. Travelers, however, takes the crown for the best cheap car insurance in Lancaster.

Cheapest And Best Car Insurance Companies In Lancaster, PA 2023

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Cheapest overall - Travelers
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Cheapest for driving violations - State Farm
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Cheapest for full coverage - Travelers
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Cheapest for minimum coverage - Travelers
nationwide-icon-logo
Cheapest for teens - Nationwide
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Cheapest for adults - Travelers
Best Car Insurance, Lancaster 2023

Compare The Cheapest Car Insurance Companies In Lancaster

J.D. Power Rating Cheapest For A.M. Best Rating Overall Rating Online Experience Get A Quote
State Farm

843

Driving Violations

A++
4.8

9.7

 Instant Quote
Travelers

822

Full Coverage

A++
4.8

9.5

 Instant Quote
Travelers

822

Minimum Coverage

A+
4.9

9.5

 Instant Quote
Travelers

822

Cheapest Overall

A+
4.9

9.5

 Instant Quote
Nationwide

820

Teens

A+
4.7

9.6

 Instant Quote
Travelers

822

Seniors

A+
4.9

9.5

 Instant Quote
Scroll to see comparisons ⇄

Our Methodology

I've got you covered with my thorough approach! I've considered everything – customer service ratings, product choices, prices, and the online experience. And guess what? My expertise comes from over 15 years as a licensed agent, buying car insurance, and chatting with agents from different companies. This gives me the inside scoop on what works and what doesn't for each insurer. You can trust me to find those strengths and weaknesses!

72

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

34+

Research Hours

Reviews Of The Best Cheap Car Insurance Companies In Lancaster


Cheapest Overall

Overall Rating
4.9
Get A Quote ›

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

⇅

Travelers has got some fantastic deals for you. They not only offer the cheapest car insurance rates, but also excel when it comes to customer service. Their overall satisfaction reputation may be average, but they’re excellent at handling complaints, meaning they get way fewer grumbles from customers.

Most insurers like to keep their premium calculations method a secret, leaving us scratching our heads about why some drivers pay more than others. But not Travelers! They play it fair and square, giving each factor its due consideration without going overboard on any of them. The result? Super competitive rates for all drivers.

Benefits & Drawbacks

⇅
Benefits
  • Cheapest rates for most drivers in Lancaster
  • Unique discounts include new vehicle, loyalty, homeowners, and hybrid vehicle
  • Add-on coverages such as roadside assistance, accident forgiveness, new car replacement, and gap insurance
    • ✓
Drawbacks
  • No deductible modification or better car replacement
  • No rideshare insurance available in Pennsylvania
    • ✘

Rates For The Cheapest Car Insurance In Lancaster

Insurance company Monthly rate for full coverage
Travelers $89
Nationwide $112
Auto-Owners $103
State Farm $114
Erie $116

Cheapest For Driving Violations

Overall Rating
4.8
Get A Quote ›

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
7/10 Coverage Level

Why We Like Them

⇅

You know how it is with our heavy traffic – violations and accidents happen more often than we’d like. And here’s the not-so-great news – after you get a ticket for a moving violation, a DUI, or an at-fault accident, insurers usually raise your rates.

State Farm comes to the rescue with some sweet deals for drivers with violations and at-fault accidents. They’ve got the cheapest rates in town, and they have the biggest sales force of any insurer in the whole country. Plus, all these agents have offices right here in our neighborhoods! It’s like having a friendly helping hand just around the corner.

Benefits & Drawbacks

⇅
Benefits
  • Boasts a good selection of discounts, encompassing student and good driver discounts, catering to different customer groups.
  • Provides rideshare insurance, addressing the needs of rideshare drivers seeking coverage.
    • ✓
Drawbacks
  • Does not provide accident forgiveness, new car replacement, gap insurance, deductible modification, or better car replacement options, limiting policyholder benefits.
  • Lacks unique coverages, such as OEM replacement parts, which may not suit individuals seeking specialized protection for their vehicles.
    • ✘

Rates For The Cheapest Car Insurance In Lancaster After A Violation

Insurance company Monthly rate after a DUI
State Farm $128
Allstate $126
Travelers $123
American National P&C $187
Erie $192

Cheapest For Teens

Overall Rating
4.7
Get A Quote ›

Key Statistics

10/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

⇅

If you’re a teen driver, listen up – Nationwide’s got some good news for you. The cheapest option is to hop on your parent’s policy, AKA a family policy. It’s way more budget-friendly for teenagers like you.

If you go solo and buy an individual plan, you’ll be staring at a whopping $10,149 per year with Nationwide.

There’s a better way; Add yourself to your parent’s policy with Nationwide, and voila! The premium drops to a much friendlier $2,750 annually.

Benefits & Drawbacks

⇅
Benefits
  • Common discounts available (bundling, multi-car, good student, safe driver, anti-theft, paperless, and defensive driving).
  • Additional discount for automatic payments.
  • Add-ons for mechanical breakdown assistance and identity theft coverage.
    • ✓
Drawbacks
  • No new car or better replacement coverage.
  • No discounts for paying in full or having airbags installed.
    • ✘

Rates For The Cheapest Car Insurance For Teens In Lancaster

Insurance company Family Plan Annual Premium Individual Plan Annual Premium
Nationwide $2,752 $10,141
Travelers $2,944 $10,743
Auto Owners $3,203 $11,182
State Farm $3,895 $7,858
Allstate $3,939 $11,972

Best For Full Coverage

Overall Rating
4.9
Get A Quote ›

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

⇅

When it comes to car insurance, here’s a wise move – think beyond the bare minimum. If you own a shiny newer car worth more than your annual premium, full coverage might be the way to go. It’s like wrapping your ride in an extra layer of protection.

And guess what? Travelers has got you covered with the most affordable full coverage option in town.

To keep your premium in check, Travelers has some cool discounts up their sleeve. Check it out – bundling, multi-car, good student, safe driving, and paperless communications all get you sweet savings. Hybrid drivers, you’re in luck too – you could snag the alternative energy discount.

Benefits & Drawbacks

⇅
Benefits
  • Offers the most affordable rates for full coverage in Lancaster, providing excellent value for customers.
  • Demonstrates a superior track record with fewer complaints compared to the national average, as reported by the NAIC.
    • ✓
Drawbacks
  • Lacks a mobile app, which may inconvenience some policyholders seeking easy access to their insurance information.
  • Does not offer the convenience of purchasing coverage online, potentially limiting options for tech-savvy customers.
    • ✘

Rates For The Cheapest Monthly Full Coverage Car Insurance In Lancaster

Insurance company Monthly rate for full coverage
Travelers $74
Nationwide $112
Auto-Owners $136
State Farm $103
Erie $119

Cheapest Minimum Coverage

Overall Rating
4.9
Get A Quote ›

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

⇅

Travelers is taking home not one, but two prizes! They’ve got the cheapest full coverage car insurance in town, as well as the most affordable minimum coverage.

Sometimes, buying the minimum coverage is the right call. Here’s the deal – Pennsylvania law requires minimum liability coverage of $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for property damage. It might be the perfect fit for you if you own an older model car outright with no lienholder, and its value is lower than a full coverage premium.

Benefits & Drawbacks

⇅
Benefits
  • Offers the cheapest rates for full coverage in Lancaster, ensuring cost-effectiveness for customers.
  • Demonstrates a commendable track record with fewer complaints compared to the national average, based on the NAIC data.
    • ✓
Drawbacks
  • Lacks a mobile app, which may inconvenience some policyholders seeking seamless access to their insurance details.
  • Does not provide the option to purchase coverage online, potentially limiting the convenience for customers who prefer digital interactions.
    • ✘

Rates For The Cheapest Minimum Car Insurance In Lancaster

Insurance company Monthly rate for minimum coverage
Travelers $37
Erie $45
Westfield $43
State Farm $54
American National P&C $51

Cheapest For Seniors

Overall Rating
4.9
Get A Quote ›

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

⇅

As we get older, our car insurance tends to go up. It’s just the way it works.

But hold on – for seniors in our city, finding low rates is a top priority. Living costs are high, and many are on a fixed income. So, switching carriers to save money is a smart move!

And guess what? Travelers is the go-to choice for our growing senior population. With over 10,000 Baby Boomers turning 65 every day in America, they’re taking charge of their retirement income and battling inflation. Travelers steps up, making car insurance affordable for these older drivers.

Benefits & Drawbacks

⇅
Benefits
  • Wallet-friendly rates tailored for seniors
  • Impressive array of discounts up for grabs
  • Countless coverage choices and supplementary features
    • ✓
Drawbacks
  • The numbers on the price tag might climb as drivers journey into their 70s and 80s
    • ✘

Rates For The Cheapest Car Insurance In Lancaster For seniors

Insurance company Monthly rate for full coverage for seniors
Travelers $82
Nationwide $88
State Farm $99
Auto Owners $101
Allstate $108

Average Cost Of Car Insurance In Lancaster

This is the average cost of car insurance in Lancaster across several categories:

Average Cost In Lancaster – By Age

Age group Average 6 month premium for full coverage
Teens $1,421
20s $1,035
30s $719
40s $647
50s $641
60s $643
70s $758

Average Cost In Lancaster – By Marital Status

Marital Status Average annual rate
Single $1,392
Married $1,343
Divorced $1,408
Widowed $1,379

Average Cost In Lancaster – By Gender

Driver’s gender Annual cost
Female $2,638
Male $2,638
Difference $0

Average Cost In Lancaster – By Accident And Violation History

Violation Average yearly rate
DWI/DUI $2,519
Speeding $1,604
At-fault accident $2,152

Average Cost In Lancaster – By Credit Tier

Credit Tier Average annual rate
Very Poor (300-579) $2,591
Fair (580-669) $2,176
Good (670-739) $1,803
Very Good (740-799) $1,474
Exceptional (800-850) $1,211

Average Cost In Lancaster – By Zip Code

Zip code Monthly cost
19118 $2,466
19128 $2,545
19113 $2,565
19127 $2,614
19154 $2,755

Minimum Car Insurance Requirements In Lancaster

The minimum liability insurance you need in Lancaster is as follows:

● $15,000 for injury/death to one person

● $30,000 for injury/death to more than one person

● $5,000 for damage to property

Now, what does this liability insurance do? It covers the costs for someone else if you cause personal or property damage. But wait, there’s more! Full coverage goes the extra mile – it also protects you, the policyholder.

How To Buy Car Insurance In Lancaster

Car insurance seekers, listen up – each company’s got policies to fit your needs. But here’s the catch – one might be more awesome for you than the others:

If you’re 65, Travelers could be your best buddy with its great deals for seniors. On the other hand, if you’re 17, Nationwide might be your go-to choice, shining bright for younger drivers.

Now, how to pick the perfect fit? Ask yourself these five questions:

1. What’s the company’s financial rating?

2. Do they offer the coverage you need?

3. Do you prefer a local agent or an online search?

4. Are their rates competitive for your age group?

5. Are most online reviews positive?

One more thing – what’s hot now may not be later. So, every six or twelve months, compare rates and coverage when your policy renews.

Factors That Impact The Cost Of Your Car Insurance Policy In Lancaster

Let’s talk car insurance and what affects those rates. Here’s the scoop:

Age: Your age can make a big difference – rates can vary up to 367% based on how old you are.

Car make and model: Different vehicles, different prices! For instance, trucks are about 3% cheaper to insure than sedans, on average.

High-risk violations: Uh-oh, traffic violations and accidents can hike up your insurance cost by 20% to 200%.

Yearly mileage: How much you drive matters – the more you’re on the road, the higher the risk.

Zip code: Yep, where you live affects those rates too – your zip code can cause your rates to go up or down.

Marital status: If you’re married, you’re in luck – it usually means lower premiums because married drivers are less risky statistically.

Lancaster Car Insurance Laws To Know

In Lancaster, every driver must have at least the minimum car insurance required by the state. And don’t forget to carry proof of coverage while driving.

In The News

Lancaster, here’s a concerning update from Billy Penn at WHYY (October 2021). As shootings continue, many folks are dealing with bullet damage to their cars. It’s tough, especially in a city where over a quarter of residents live below the poverty rate, and many are living paycheck to paycheck. This adds major financial strain for those affected.

Car Insurance Discounts In Lancaster

Lots of car insurance companies in our city offer fantastic money-saving discounts! Check these out:

● Having safety equipment like airbags, anti-lock brakes, daytime running lights, or an anti-theft system.

● Owning a vehicle that’s three model years old or newer.

● Driving for five years with no accidents.

● Using seat belts – safety first!

● Completing a defensive driving course – being a smart driver pays off!

● Having good grades – keep up that hard work, students!

● Insuring more than one vehicle – save when you bundle!

● Bundling homeowners, renters, condo, or mobile home insurance with a car insurance policy – combo deals rock!

● Being active-duty or retired military – thank you for your service!

Looking For Car Insurance In Other Cities In Pennsylvania?

FAQs

Why is Pennsylvania car insurance so high?

In Pennsylvania, car insurance rates can increase due to a couple of factors. One is the number of uninsured drivers on the road, which adds to the risk. Another factor is the weather – snow, ice, and intense rain storms can lead to more accidents and affect insurance costs.

How much is car insurance in Pennsylvania a month?

On average, car insurance in our state costs about $1,672 per year.

Which company offers the cheapest car insurance?

If you’re on the hunt for the most affordable car insurance, check out Travelers. They offer the cheapest rates in town.

Sources

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