On average, your neighbors pay $73 a month.See Your Rates
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.
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.
|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.
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 and find the cheapest rates.
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.
Other popular Lancaster, Pennsylvania, car insurance companies: AIG, USAA, Safeco, MetLife, Hartford, Infinity, Travelers, Amica, and Country Financial.
These are the most common car makes and models owned by Lancaster drivers who requested quotes through QuoteWizard last year.
Lancaster, Pennsylvania has a minimum liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least:
Driving conditions like weather and traffic congestion can influence your insurance rates.
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.
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.
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 such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.
The Pennsylvania ePay website allows drivers to pay any fines or fees to the state’s county court.
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.
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.
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 59,218, 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.
Lancaster reported 86 motor vehicle thefts in 2016. That's a rate of 1.45 per 1,000 residents, which is well below the national average of 2.20 per 1,000.
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.
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