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Cheapest car insurance in Hummelstown, Pennsylvania (Sep 2024)
Cheapest car insurance in Hummelstown, Pennsylvania (Sep 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hummelstown, Pennsylvania.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Cheapest Car Insurance Quotes in Hummelstown
- Best Car Insurance Companies in Hummelstown
- Best cheap car insurance quotes in Hummelstown
- Car insurance quotes in Hummelstown by rating factors
- How do different factors impact your car insurance costs in Hummelstown?
- Cheap car insurance quotes in Hummelstown after driving violations
- Cheap car insurance quotes in Hummelstown by age
- Cheap car insurance quotes in Hummelstown based on insurance history
- Cheap car insurance quotes in Hummelstown for popular cars
- How to lower car insurance costs in Hummelstown
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest Car Insurance Quotes in Hummelstown
On average,
auto insurance
in Hummelstown costs about $90 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Hummelstown drivers pay 33% less than the Pennsylvania
average. There is a common misconception that popular car insurance providers consistently offer better rates than others—but in reality, no one company provides the best rates for everyone. To unlock the best insurance rates, you should
shop around
and collect quotes from multiple sources and choose the most suitable option for your needs.Every month,
Jerry
Insurance Agency helps savvy car insurance shoppers in Hummelstown streamline the insurance comparison process and purchase affordable coverage. Here are some of the cheapest quotes we found. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $100 | Matthew, 30 Zip: 17036 | Volkswagen Taos SE IQ Drive | • State Minimum Liability • Comp / Collision |
| Safeco | $149 | Ola, 34 Zip: 17036 | Honda Civic Sport | • State Minimum Liability • Comp / Collision |
| National General | $70 | Madge, 52 Zip: 17036 | Audi A4 Premium | • 25,000/50,000 Liability |
| Bristol West | $136 | Johanna, 41 Zip: 17036 | Jeep Compass Limited | • State Minimum Liability • Comp / Collision |
| The General | $89 | Bessie, 26 Zip: 17036 | Subaru BRZ Premium | • State Minimum Liability |
Last Updated Sep 4, 2024Best Car Insurance Companies in Hummelstown
Jerry administered the nation’s largest insurance shopping survey to uncover the truths about finding affordable insurance—including who offers the cheapest car insurance rates in Hummelstown.
What we found: affordable car insurance rates aren’t housed by just one company. Each car insurance provider offers unique rates for their policyholders, so the cheapest provider for one driver may not be the cheapest provider for another. Factors like customer service and claims handling are also important to consider when choosing an insurer.
While State Auto,
Safeco
, Progressive
, National General, and Travelers
are all popular insurance companies in Hummelstown, let’s take a look at how Hummelstown drivers reviewed them on a scale of 0 to 5.| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.3 | 3.7 | 4.3 | 4.4 |
| Allstate | 4.1 | 2.8 | N/A | 4.3 |
| State Farm | 3.9 | 3.1 | 3.9 | 3.6 |
Liberty Mutual | 3.6 | 3.5 | 3.8 | 3.5 |
| Geico | 3.3 | 2.6 | 3 | 3.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Hummelstown
Pennsylvania’s minimum car insurance requirements
reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Hummelstown. However, minimum liability coverage provides minimal financial protection.You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Keystone State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Pennsylvania, and how it could affect your policy choices in Hummelstown.
Cheap minimum liability insurance quotes in Hummelstown
To legally operate a vehicle on Hummelstown roads, residents must meet the state’s
minimum car insurance coverage requirements
.Pennsylvania drivers must hold $5,000 in personal injury protection (PIP), $5,000 in
property damage liability
per accident, $15,000 in bodily injury liability
per person, and $30,000 in bodily injury liability per accident.Here are some instances where Jerry helped Hummelstown car owners find minimum liability coverage.
Matthew (30 years old)
$100
per month
Johanna (41 years old)
$136
per month
John (63 years old)
$79
per month
Do you need more than minimum coverage in Hummelstown?
Hummelstown drivers aren’t required to purchase more than minimum coverage—but you may need additional coverage to keep yourself fully protected on the roads.
If an at-fault accident occurs, you could face vehicle repair or replacement costs, as well as medical expenses that exceed the minimum limits of your state-required coverage. Serious injuries to another person or hefty vehicle damages can result in expenses of over $50,000 in some cases.
The bottom line: Consider medical benefits,
full coverage
with collision and comprehensive coverage, uninsured motorist coverage
, or at least 50/100/50 or 100/300/100 liability coverage for better financial protection.Cheap full coverage car insurance quotes in Hummelstown
In the event of an accident that requires extreme repairs or replacing your vehicle, full coverage is the best car insurance for covering your financial bases.
- Collision coverage covers the expenses associated with repairing or replacing your car
- Comprehensive coverage provides coverage if your car is stolen or damaged by non-collision incidents like theft or natural disasters
If you drive a leased vehicle, your lender will typically mandate full coverage with collision and comprehensive insurance.
Jerry's agents have assisted customers in finding the most affordable full-coverage policies available to them.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $100 | Matthew, 30 Zip: 17036 | Volkswagen Taos SE IQ Drive |
• State Minimum Liability • Comp / Collision | Safeco | $149 | Ola, 34 Zip: 17036 | Honda Civic Sport |
• State Minimum Liability • Comp / Collision | Plymouth Rock | $79 | John, 63 Zip: 17036 | Nissan Murano S |
• State Minimum Liability • Comp / Collision | Bristol West | $136 | Johanna, 41 Zip: 17036 | Jeep Compass Limited |
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $66 | Benjamin, 33 Zip: 17036 | Acura RDX |
Last Updated Sep 7, 2024To effectively and efficiently compare
car insurance quotes
online, it’s best to use a car insurance comparison app or website.Jerry, a
top insurance agency
, has a handy, free app that compares car insurance quotes and offers personalized service to customers through a team of over 100 licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Hummelstown
From helping thousands of Hummelstown insurance policyholders find the right coverage for their needs, we’ve observed that minimum liability coverage costs an average of $90 per month or $1,080 per year. On the other hand, full coverage in Hummelstown can amount to $150 per month or $1,800 per year.
Average insurance rates are a great tool to help you get an idea of what your insurance costs could look like, but they won’t necessarily depict the reality of your premiums. Remember that each driver gets a unique rate determined by factors including the type of car, demographics, and driving and claims records.
Car insurance quotes in Hummelstown by rating factors
- Where you keep your car: Your location and garaging/parking address will impact your premiums. Drivers who live in areas with higher incidences of claims typically pay more for insurance.
- The kind of car you have: Luxury vehicles, sports cars, and high-performance vehicles will incur higher costs for collision and comprehensive coverage.
- How you use your car: Drivers who use their car for leisure typically pay less than drivers who take their car to and from work.
- Your credit score: Insurance companies in Pennsylvania can use your credit score to assess your risk level. Those with lower credit scores tend to pay higher for insurance.
How do different factors impact your car insurance costs in Hummelstown?
How do different factors impact your car insurance costs in Hummelstown?
Allowed (with applicable limitations): Driving experience, age, occupation, credit history, education, marital status, employment status, residential status.
Prohibited (or effectively prohibited): Gender.
Learn more abut the car insurance rating factors in Hummelstown:
Cheap car insurance quotes in Hummelstown after driving violations
Your driving history is one of the most influential factors when it comes to your insurance rate. Insurance companies are likely to charge you higher premiums if you have a history of violations that indicate a greater risk of insuring you and your vehicle.
Common driving violations in Hummelstown include:
Cheapest car insurance in Hummelstown after DUI
A
DUI offense
in Pennsylvania can lead to a higher increase in car insurance premiums compared to other infractions.Having a DUI offense on your record can mean significantly different car insurance rates between insurance companies, too. To find affordable options following a DUI, it’s therefore best to compare rates from multiple insurance providers before settling on a policy.
Jerry has helped many Hummelstown drivers with DUIs find affordable car insurance rates following their violations.
Cheapest car insurance in Hummelstown after an at-fault accident
Insurance providers look at your history of at-fault accidents to assess your level of risk. A recent at-fault accident can increase your car insurance rates significantly.
While Pennsylvania is a
no-fault state
, you can still be deemed at fault in a collision and responsible for paying property damages for another driver’s vehicle—even if you aren’t typically responsible for bodily injury damages. Filing a property damage liability claim for an at-fault collision can increase your rates. But Jerry has been able to help Hummelstown drivers save on car insurance with at-fault accidents in their driving record.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Bristol West | $65 | Lillie, 52 Zip: 17036 | Audi A4 Premium | • 25,000/50,000 Liability |
Not At Fault | Progressive | $80 | Katherine, 29 Zip: 17036 | Toyota Yaris L | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | National General | $70 | Jennie, 52 Zip: 17036 | Audi A4 Premium | • 25,000/50,000 Liability |
Last Updated Sep 10, 2024Cheapest car insurance in Hummelstown after other driving violations
Apart from speeding tickets and DUIs, other violations—like
reckless driving
—can also result in high car insurance costs in Hummelstown. But Jerry has helped affected drivers reduce their monthly insurance expenses.| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Careless Driving | Clearcover | $66 | Juan, 33 Zip: 17036 | Acura RDX | • 100,000/300,000 Liability • Comp / Collision |
Driving on Sus. License | Bristol West | $65 | Cody, 52 Zip: 17036 | Audi A4 Premium | • 25,000/50,000 Liability |
Last Updated Sep 10, 2024Cheap car insurance quotes in Hummelstown by age
Your age will impact your Hummelstown car insurance rates. If you’re a teen driver under 25, you can expect to pay higher premiums. Likewise, once you turn 75 you can expect your insurance rates to increase again.
Cheapest car insurance in Hummelstown for young drivers
New drivers
between the ages of 16 and 24 generally pay the highest insurance premiums in Hummelstown. Full coverage is a good idea for those with limited driving experience as it offers broader financial protection in case of an accident.One way to lower
teen car insurance rates
is to keep newer drivers on a parent or guardian’s policy. Jerry has helped both parents and young drivers in Hummelstown find affordable premiums. 
Cheapest car insurance in Hummelstown for senior drivers
Car insurance rates tend to rise again once drivers reach their mid-70s. Older drivers are statistically more likely to be in an accident and experience serious injuries after a collision. Higher medical expenses encourage insurance providers to charge
senior drivers
steeper premiums.Cheap car insurance quotes in Hummelstown based on insurance history
Your insurance history plays a significant role in your car insurance rates. This includes whether you currently have an active insurance policy or not. A
lapse in your insurance coverage
can mean a higher premium.You can sign up for payment reminders with Jerry to make sure you never miss a car insurance payment. If your coverage has lapsed or you’re currently uninsured, however, Jerry can help you track down savings on a new policy.
David (30 years old)
$100
per month
Lois (28 years old)
$166
per month
Clearcover
Isabella (33 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Hummelstown, PA (Zip Code: 17036)
$66
per month
Tommy (30 years old)
$100
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Never had an issue. Can't say I've had to make a claim or anything but they're easy to get ahold of and willing to help
Meghan
Awesome customer service and great cheap insurance super happy with my choice!
Brittany
Good company...fast towing services.
Ingrid
I love this insurance! They prices are reasonable and you can get everything you need just under an affordable rate.
Dakiyah
Cheap car insurance quotes in Hummelstown for drivers with poor credit
Insurance companies in Pennsylvania are permitted to use
credit scores
when setting premiums. In general, drivers with poor credit scores are more likely to file claims and therefore pay more for insurance than those with good credit.Our data shows that drivers with credit scores over 750 tend to pay 20% less than drivers with credit scores under 550.
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Safeco | $130 | Marcus, 28 Zip: 17036 | BMW M3 | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | National General | $70 | Brett, 52 Zip: 17036 | Audi A4 Premium | • 25,000/50,000 Liability |
550 - 659 | Progressive | $100 | Barbara, 30 Zip: 17036 | Volkswagen Taos SE IQ Drive | • State Minimum Liability • Comp / Collision |
Last Updated Sep 10, 2024Cheap car insurance quotes in Hummelstown for popular cars
Car insurance premiums vary depending on the type of vehicle you have. Different repair and replacement costs, theft rates, and safety ratings all play a role in your premium.
In Hummelstown, common car models include:
- Honda Civic
- Honda CR-V
- Toyota RAV4
- Jeep Cherokee
- Honda Accord
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic Sport | Progressive | $129 | Theresa, 35 Zip: 17036 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 10, 2024Cheapest car insurance in Hummelstown for new vs. old car
New vehicles usually have higher insurance costs than older ones. On average, a car that’s 10+ years old costs around $150 per year to insure in Hummelstown. Cars less than 4 years old generally cost an average of $150 per year.
Rosetta (50 years old)
$66
per month
Ola (34 years old)
$149
per month
John (63 years old)
$79
per month
Clearcover
Benjamin (33 years old)
2019 Acura RDX
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Hummelstown, PA (Zip Code: 17036)
$66
per month
Dorothy (28 years old)
$166
per month
How to lower car insurance costs in Hummelstown
1. Shop around and compare quotes
You can't get the best deal on auto insurance without comparing quotes from at least three different companies. Experts recommend comparison
shopping for car insurance quotes
every six months.Take a look at the most competitive plans in five minutes or less with Jerry. Download the app, sign up, and get five to seven quotes delivered straight to your phone. It’s the best money you’ll never spend—because our five-star-rated app is free!
In just 45 seconds, Jerry collects quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
You’ll have the option to compare different coverage levels or even build your own custom policy before you buy.
2. Hunt for car insurance discounts
Getting the right
car insurance discount
can transform a good rate into a great one. You could save by joining a program for:- Good drivers. If you’ve held aclean driving recordfor at least three years, you’re due for some sweet discounts.
- Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
Once you know which discounts you qualify for, check out the Jerry app to help you achieve even lower premiums.
When you shop for a policy with Jerry, we’ll automatically give you the chance to turn on discounts and save even more.
But don’t forget to reach out to your provider directly to ask about other discounts you may be eligible for!
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
The most common full coverage deductibles are $500 and $1,000.
If your current deductible is $500 or less, start by raising your deductible to $1,000.
Deductibles higher than $1,000 are possible, but typically aren’t worth the savings.
Why is car insurance in Hummelstown so expensive?
Hummelstown car insurance rates can be pretty steep for a few reasons:
- Insurance requirements: Because Pennsylvania is a no-fault state, Hummelstown drivers must purchase car insurance with higher (and pricier) minimum insurance requirements than other areas.
- Bad traffic: As population trends upward in Hummelstown, more cars on the road leads to busier traffic and increased accident risk.
- Uninsured drivers: The rate of uninsured drivers in Hummelstown is relatively high compared to some other cities. The extra costs of an accident with an uninsured driver often translate into higher premiums.
- Expensive healthcare: Healthcare costs can be high in Hummelstown, with some residents opting out of health insurance. In anticipation of increased medical expenses after an accident, insurers raise their rates.
- Car thefts and crime: As a state, Pennsylvania saw a 25% increase in car thefts from 2019 to 2020. More vehicles filing comprehensive claims for repairs or market pay-outs create higher premiums.
- Northern weather conditions: Hummelstown gets its fair share of snowy roads, making it hard for drivers to avoid difficult winter driving conditions. Since this increases the risk of accidents and damage, insurance costs go up.
FAQ
How much is car insurance in Hummelstown?
People living in Hummelstown pay on average $90 per month – or $1,080 per year – on state-minimum liability coverage. Full coverage in Hummelstown costs on average $150 per month or $1,800 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the minimum car insurance in Hummelstown, Pennsylvania?
The state-minimum car insurance in Hummelstown, Pennsylvania is as follows:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.
What is the cheapest car insurance in Hummelstown?
Based on thousands of Hummelstown drivers Jerry has worked with, car insurance in Hummelstown costs an average of $90 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Hummelstown?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Hummelstown drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.