Best Auto Insurance Rates in Lancaster, Pennsylvania

On average, your neighbors pay $73 a month.

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Friday, January 11 2019 By Shantae Young

Whether you call it the "Red Rose City" or "Dutch Country," Lancaster, Pennsylvania is a quaint place filled with small-town charm. Lancaster has a lot of farmland, most of which is owned by the Amish and Mennonite communities. If your buggy doesn’t come with a horse but four tires and an engine, you're going to need cheap car insurance rates.

Average Lancaster Car Insurance Rates

How much is car insurance in Lancaster, PA? It's probably no surprise to learn that rates here are expensive. Many drivers in Lancaster pay more than the state and national average. The average cost of auto insurance in Pennsylvania is $878.18 per year. The national average price is $889.01.

Prices can vary depending on several factors. These include your driving record, claims history, your car make and model, and more.

Pennsylvania Average Annual Car Insurance Rates
Coverage Rates
Liability $499.06
Collision $327.24
Comprehensive $144.21
Total Cost Per Year $878.18
Price Per Month $73.18
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Pennsylvania insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Pennsylvania car insurance rates increased from $812 in 2011 to $878 in 2015, a jump of $65, or 8.05 percent.

Pennsylvania average car insurance rates

With QuoteWizard, you can compare quotes from a number of companies and insurance agents. Comparing quotes can help you find cheap car insurance rates near Lancaster, Pennsylvania and save up to 40% on your premium.

Last year, 1,317 people used QuoteWizard to compare car insurance quotes in Lancaster, PA from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Lancaster, PA

These were the most common car insurance companies reported by QuoteWizard users living in Lancaster last year. Out of these 1,317 people, only 83 were uninsured.

  1. State Farm
  2. Progressive
  3. GEICO
  4. Allstate
  5. Nationwide
  6. Liberty Mutual
  7. Erie
  8. Farmers
  9. Esurance
  10. AAA

Other popular Lancaster, Pennsylvania, car insurance companies: AIG, USAA, Safeco, MetLife, Hartford, Infinity, Travelers, Amica, and Country Financial.

Top 10 Vehicles in Lancaster

These are the most common car makes and models owned by Lancaster drivers who requested quotes through QuoteWizard last year.

  1. Ford Explorer
  2. Honda Accord EX/LX
  3. Honda CR-V EX
  4. Toyota Camry LE/XLE/SE
  5. Jeep Grand Cherokee Limited
  6. Chevrolet Blazer
  7. Ford F150
  8. Honda Civic
  9. Toyota Corolla CE/LE/S
  10. Ford Fusion SE  

Minimum Car Insurance Requirements

Lancaster, Pennsylvania has a minimum liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most your insurer will pay for a single person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurance carrier will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The most your provider will pay for property damage caused by a car accident.
  • Medical Payments: $5,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident, regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

Weather

Lancaster, like the rest of Pennsylvania, enjoys warm summers. On average, it sees around 202 days of either sunny or partial sunshine. It also experiences a good number of wet days. Around 117 days each year receive some amount of precipitation. In fact, Lancaster usually gets about 42 inches of rainfall annually. Winters here often pose a driving threat because snow and ice can make the roads slick. Lancaster sees an average of 25 inches of snow every year.  

Road Conditions

According to TRIP, around 59 percent of Lancaster’s roads are in poor or mediocre condition. Only 19 percent of them are in good shape. These poorly maintained roads cost drivers a total of $547 in extra vehicle operating costs.

To report a pothole problem in your area, call the Bureau of Streets at 717-291-4835.

Traffic Congestion

According to Inrix 2015 Scorecard, Lancaster commuters spend 18 extra hours each in traffic annually. On top of the extra vehicle operating costs of the poor road conditions, Lancaster commuters also spend around $441 each on extra congestion costs.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You'll pay a lot more for car insurance and may need to purchase cheap high-risk auto insurance.

Traffic Tickets

The Pennsylvania ePay website allows drivers to pay any fines or fees to the state’s county court.

Lancaster DUIs

Getting a DUI can cause all kinds of problems. One example is it can increase your car insurance rates. Other legal and financial woes can stick around for months. At the end of the day, a DUI can cost anywhere between $300 and $10,000.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Lancaster DUI insurance.

Car Accident Fatalities

Lancaster County ranks as one of the top 10 counties with the most reported traffic crashes and traffic-related deaths in 2014.

All traffic deaths are a tragic loss, and considering Lancaster's estimated population of 59,708, this is one of the nation's least safe cities in terms of traffic fatalities.

Lancaster County reported 5,339 traffic accidents that year. Of these 5,339 accidents, 2,481 caused personal injuries and 57 ended in fatalities.

Vehicle Theft Rates

Lancaster reported 105 motor vehicle thefts in 2017. That's a rate of 1.76 per 1,000 residents, which is well below the national average of 2.37 per 1,000.

Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Lancaster, PA.

  1. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  2. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  3. Are you married or getting married soon? Some insurers offer a discount to married couples
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  6. Take a defensive driving course from an accredited driving safety school

Sources:

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