Best York, PA Car Insurance in 2025
Car insurance in York, PA averages $307 a month. York, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap York car insurance rates, compare quotes from the top car insurance companies in York, PA.
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Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated October 2024
- Average car insurance rates in York, PA after a DUI are $4,056/year
- The cheapest car insurance company in York is USAA
- The cheapest car insurance company in York for teen drivers is USAA
If you need to buy York, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in York, PA is right here.
You’ll find York car insurance rates, the cheapest York, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare York, Pennsylvania car insurance rates to Pittsburgh car insurance rates, Reading car insurance rates, and Bethlehem car insurance rates.
Ready to find affordable York, PA car insurance today? Enter your ZIP code for fast, free York car insurance quotes.
Cheapest York, PA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect York, PA car insurance rates? Every York, Pennsylvania car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,125 | $2,125 | $1,971 | $1,971 | $7,176 | $7,176 | $2,325 | $2,325 |
| Geico | $1,778 | $1,540 | $1,688 | $1,463 | $4,520 | $3,922 | $1,784 | $1,546 |
| Liberty Mutual | $3,403 | $3,403 | $3,120 | $3,120 | $9,880 | $9,880 | $4,312 | $4,312 |
| Nationwide | $1,855 | $1,855 | $1,761 | $1,761 | $5,323 | $5,323 | $2,087 | $2,087 |
| Progressive | $2,536 | $2,536 | $2,269 | $2,269 | $8,297 | $8,297 | $3,225 | $3,225 |
| State Farm | $1,670 | $1,670 | $1,483 | $1,483 | $6,141 | $6,141 | $1,851 | $1,851 |
| Travelers | $1,631 | $1,631 | $1,775 | $1,775 | $24,442 | $24,442 | $1,950 | $1,950 |
| USAA | $1,007 | $1,007 | $914 | $914 | $3,067 | $3,067 | $1,330 | $1,330 |
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Minimum Car Insurance in York, PA
Every driver must carry the minimum car insurance required by the state in York, PA. Take a look at the Pennsylvania car insurance requirements.
| 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 |
Cheapest York, PA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in York, PA. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in York from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,347 | $3,239 | $2,612 |
| Geico | $3,416 | $1,930 | $1,494 |
| Liberty Mutual | $6,608 | $4,740 | $4,187 |
| Nationwide | $3,225 | $2,665 | $2,379 |
| Progressive | $5,397 | $3,798 | $3,050 |
| State Farm | $3,969 | $2,455 | $1,936 |
| Travelers | $8,080 | $7,330 | $6,939 |
| USAA | $1,966 | $1,468 | $1,304 |
Cheapest York, PA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in York, PA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,254 | $3,834 | $3,254 | $3,254 |
| Geico | $1,683 | $2,884 | $2,240 | $2,314 |
| Liberty Mutual | $4,704 | $5,433 | $5,289 | $5,289 |
| Nationwide | $1,994 | $2,671 | $3,706 | $2,654 |
| Progressive | $3,696 | $5,128 | $3,801 | $3,702 |
| State Farm | $2,534 | $3,039 | $2,786 | $2,786 |
| Travelers | $5,258 | $7,521 | $9,498 | $7,521 |
| USAA | $1,270 | $1,756 | $1,873 | $1,418 |
Cheapest York, PA Car Insurance for Teen Drivers
Teen car insurance in York, PA can be expensive. Take a look at rates from the top car insurance companies in York for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,176 | $7,176 |
| Geico | $4,520 | $3,922 |
| Liberty Mutual | $9,880 | $9,880 |
| Nationwide | $5,323 | $5,323 |
| Progressive | $8,297 | $8,297 |
| State Farm | $6,141 | $6,141 |
| Travelers | $24,442 | $24,442 |
| USAA | $3,067 | $3,067 |
Cheapest York, PA Car Insurance for Seniors
Take a look at York, PA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,971 | $1,971 |
| Geico | $1,688 | $1,463 |
| Liberty Mutual | $3,120 | $3,120 |
| Nationwide | $1,761 | $1,761 |
| Progressive | $2,269 | $2,269 |
| State Farm | $1,483 | $1,483 |
| Travelers | $1,775 | $1,775 |
| USAA | $914 | $914 |
Cheapest York, PA Car Insurance Rates After a DUI
A DUI in York, PA increases car insurance rates. Compare York, Pennsylvania car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,254 |
| Geico | $2,240 |
| Liberty Mutual | $5,289 |
| Nationwide | $3,706 |
| Progressive | $3,801 |
| State Farm | $2,786 |
| Travelers | $9,498 |
| USAA | $1,873 |
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Cheapest York, PA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in York, PA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,331 | $3,467 |
| Geico | $2,246 | $2,314 |
| Liberty Mutual | $5,047 | $5,310 |
| Nationwide | $2,756 | $2,756 |
| Progressive | $4,082 | $4,082 |
| State Farm | $2,704 | $2,869 |
| Travelers | $7,450 | $7,450 |
| USAA | $1,535 | $1,624 |
The Best Cheap Car Insurance Companies in York, PA
Take a look at a side-by-side comparison of the top car insurance companies in York, PA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,399 |
| Geico | $2,280 |
| Liberty Mutual | $5,179 |
| Nationwide | $2,756 |
| Progressive | $4,082 |
| State Farm | $2,786 |
| Travelers | $7,450 |
| USAA | $1,579 |
Category Winners: Cheapest Car Insurance in York, Pennsylvania
Find the cheapest car insurance companies in York, PA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest York, PA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your York car insurance rates. Find the cheapest York, PA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,238 | $3,422 | $3,537 |
| Geico | $2,087 | $2,304 | $2,449 |
| Liberty Mutual | $4,912 | $5,218 | $5,406 |
| Nationwide | $2,741 | $2,799 | $2,729 |
| Progressive | $3,703 | $4,122 | $4,420 |
| State Farm | $2,586 | $2,830 | $2,943 |
| Travelers | $7,491 | $7,474 | $7,384 |
| USAA | $1,452 | $1,596 | $1,689 |
What affects car insurance rates in York, Pennsylvania?
What are the factors that affect car insurance rates in York, PA? There are several reasons why York car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in York, Pennsylvania.
Commute Time in York
The more time you spend in your car the higher the risk of an accident. The average commute length in York, PA is 26.1 minutes according to City-Data.
Traffic in York
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. York, PA traffic data from INRIX ranks York as the 3rd-most congested in the world.
Compare Car Insurance Quotes in York, PA
Ready to find affordable York, Pennsylvania car insurance today? Enter your ZIP code for fast, free York, PA car insurance quotes.
Frequently Asked Questions
How often should I review my car insurance policy in York, PA?
Review your car insurance policy in York, PA at least once a year or when significant changes occur, such as buying a new vehicle or moving. Regular reviews ensure coverage meets your needs.
Does my car insurance cover rental cars in York, PA?
Car insurance policies vary, but many include coverage for rental cars. Review your policy or contact your provider to understand the specifics and limitations for renting in York, PA.
What to do after a car accident in York, PA?
After a car accident in York, PA, prioritize safety, exchange insurance info, document the scene, and promptly notify your insurance provider to initiate the claims process.
Can I transfer out-of-state car insurance to York, PA?
When moving to York, PA, you’ll likely need a new car insurance policy that complies with Pennsylvania requirements. Temporary coverage during the transition may be possible, but check with your insurer.
Are there discounts to lower car insurance rates in York, PA?
Yes, insurers in York, PA often offer discounts such as safe driver, multi-policy, good student, and safety feature discounts. Inquire about available discounts when shopping for insurance.
Can I cancel my car insurance policy anytime in York, PA?
Generally, you can cancel car insurance anytime in York, PA, but there may be penalties or fees for early cancellation. Review your policy or contact your provider for details.
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