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Cheapest car insurance in Millersville, Pennsylvania (Nov 2024)
Cheapest car insurance in Millersville, Pennsylvania (Nov 2024)
Compare 55+ insurance companies, including Progressive, Travelers, AAA, Nationwide (and more!), to find the best and cheapest car insurance in Millersville, Pennsylvania.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Millersville
- Best car insurance companies in Millersville
- Best cheap car insurance quotes in Millersville
- Car insurance quotes in Millersville by rating factors
- How do different factors impact your car insurance costs in Millersville?
- Cheap car insurance quotes in Millersville after driving violations
- Cheap car insurance quotes in Millersville by age
- Cheap car insurance quotes in Millersville based on insurance history
- Cheap car insurance quotes in Millersville for popular cars
- How to lower car insurance costs in Millersville
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Millersville
On average,
auto insurance
in Millersville costs about $54 per month for minimum coverage liability insurance, and about $112 per month for full coverage insurance. Millersville drivers pay 17% less than the Pennsylvania
average. If you want to find the best rate on
auto insurance
in Millersville, Pennsylvania, you’ll want to shop around
and compare rates from multiple providers before making any decisions. With dozens of reputable providers offering coverage, shopping around can feel overwhelming.Don’t settle for less than the right policy—shopping with the Jerry app saves you time and stress by finding personalized quotes from 55+ top providers in under a minute. After signing up, the app will walk you through creating a profile, which is used to find individualized quotes.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $108 | Todd, 28 Zip: 17551 | BMW 335 XI | • 50,000/100,000 Liability • Comp / Collision |
| Infinity | $152 | Larry, 33 Zip: 17551 | Mitsubishi Outlander Sport ES | • State Minimum Liability • Comp / Collision |
| National General | $121 | Virginia, 29 Zip: 17551 | Chrysler 200 Limited | • State Minimum Liability • Comp / Collision |
| Bristol West | $120 | Lilly, 18 Zip: 17551 | Honda Civic LX | • State Minimum Liability |
Last Updated Nov 21, 2024Best car insurance companies in Millersville
Jerry experts recently administered the nation’s largest insurance shopping survey, interviewing over 15,000 real policyholders about their experience with their current provider.
As a result, we found that
Kemper Auto Premium
, Farmers
, Embark General, and Assurance America
are some of Millersville's most popular insurance companies, receiving perfect overall scores.However, they weren’t the only ones. Check out a few other high scoring insurers in Millersville in terms of cost effectiveness, claims handling, and customer service.
| 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 Millersville
Pennsylvania car insurance laws
require all Millersville drivers carry insurance that meets or exceeds the state-mandated requirements. In PA, that means having liability insurance
and personal injury protection
(PIP). However, many drivers opt for a full coverage policy for better financial and legal protection in the event of an accident.Cheap minimum liability insurance quotes in Millersville
- $30,000 in bodily injury liability per accident
- $5,000 in personal injury protection (PIP)
These requirements are referred to as 15/30/5 coverage. See how Jerry helped some Millersville drivers find cheap minimum coverage to comply with state minimum car insurance requirements.
Virginia (29 years old)
$121
per month
Eliza (18 years old)
$152
per month
Do you need more than minimum coverage in Millersville?
It’s not legally required, but buying more than the minimum is highly recommended.
Pennsylvania minimum insurance requirements are low compared to most states, meaning they likely won’t offer sufficient coverage in the event of an accident, especially if multiple people are injured or a vehicle is totaled. If your limits are exhausted, you’ll be on the hook for costs that exceed your coverage.
If you’re not purchasing additional coverage that includes physical damage, most experts recommend increasing liability limits to at least 50/100/50 (but 100/300/100 is even better).
Cheap full coverage car insurance quotes in Millersville
Minimum liability insurance coverage protects you from at-fault bodily injury or physical damage expenses for the other party involved, but it doesn’t cover your costs—however, investing in a full coverage policy does.
“Full coverage” isn’t a specific type of policy. Rather, it’s an umbrella term used to describe any insurance policy that includes liability coverage and coverage for physical damages (comprehensive and collision insurance).
- Collision coveragepays for repairs or replacement of your vehicle after an accident with another vehicle or stationary object.
- Comprehensive coveragepays for repair or replacement costs in non-collision-related incidents like theft, vandalism, or severe weather events.
It’s also important to note that most lenders will require collision and comprehensive coverage if you lease or finance your vehicle for the duration of your lease or auto loan. And with a full coverage policy, you can get access to additional coverage, including roadside assistance.
Reminder: Collision and comprehensive coverage are both subject to deductibles. Increasing your deductible to the highest amount you can reasonably afford in the event of an accident can help reduce your monthly car insurance payments.
Full coverage policies are more expensive than minimum coverage due to additional protection, but you’ll likely find they’re not as expensive as you think.
The table below shows some of the best rates Millersville drivers found on full coverage policies using the Jerry app.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $108 | Todd, 28 Zip: 17551 | BMW 335 XI |
• State Minimum Liability • Comp / Collision | Bristol West | $120 | Lester, 18 Zip: 17551 | Honda Civic LX |
• State Minimum Liability • Comp / Collision | Clearcover | $131 | Howard, 33 Zip: 17551 | Mitsubishi Outlander Sport ES |
• 50,000/100,000 Liability • Comp / Collision | State Auto | $92 | Julia, 39 Zip: 17551 | Chevrolet Equinox LT |
Last Updated Nov 21, 2024
"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 Millersville
From helping thousands of Millersville insurance policyholders find the right coverage for their needs, we’ve observed that minimum liability coverage costs an average of $54 per month or $648 per year. On the other hand, full coverage in Millersville can amount to $112 per month or $1,344 per year.
Understanding city averages can give you an idea of how much you’ll pay for car insurance, but they’re just estimates. Car insurance rates are highly individualized and calculated using several rating factors that vary between companies and drivers. Some of these factors include age, ZIP code, driving history, car make/model, claims record, driving habits, and other demographics.
Car insurance quotes in Millersville by rating factors
- Your driving record and claims history: Drivers with a history ofcar accidentsand other moving violations will see higher premiums than those with a clean driving record.
- Where you keep your car: If you park in a public space where crime, theft, and vandalism are more likely, expect to pay higher insurance rates.
- The type of vehicle you drive: Luxury, sports, and high-performance vehicles see higher insurance rates due to increased repair and replacement costs.
- How you use your car: Drivers who use their car for leisure typically pay less than drivers who use it for business purposes.
- Your credit score: Insurance companies in Pennsylvania can use credit-based ratings when determining your rates. Drivers with lower credit scores (under 600) tend to pay more for coverage.
How do different factors impact your car insurance costs in Millersville?
How do different factors impact your car insurance costs in Millersville?
Allowed (with applicable limitations): Driving experience, age, occupation, credit history, education, marital status, employment status, residential status.
Prohibited (or effectively prohibited): Gender.
Learn more about the car insurance rating factors in Millersville:
Cheap car insurance quotes in Millersville after driving violations
Your
Pennsylvania driving record
is one of the biggest factors insurers consider when calculating insurance rates. Individuals with a history of moving violations—or even a single speeding ticket or accident—are a bigger risk for insurers, meaning they pay higher rates than drivers with a clean driving record
. Some common violations that can increase insurance rates include:
Cheapest car insurance in Millersville after speeding ticket
Repercussions for a
Pennsylvania speeding ticket
vary based on how fast the driver was going, but even a minor speeding ticket can result in insurance increases. In Pennsylvania, auto insurance rates increase by an average of 16% following a speeding conviction. Luckily, Jerry has helped many drivers in Millersville find affordable car insurance after a speeding ticket.
Cheapest car insurance in Millersville 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. In Pennsylvania, drivers pay around 80% more for car insurance after a DUI.
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 Millersville drivers with DUIs find affordable car insurance rates following their violations.
Cheapest car insurance in Millersville after an at-fault accident
A history of accidents, especially at-fault accidents, flags you as a high-risk driver and will increase insurance rates.
Although Pennsylvania is a
no-fault state
, you can still be considered at-fault in an accident and may be responsible for paying for property damages.If you’ve recently added an accident to your driving record—at fault or not—Jerry can help you find insurance that doesn’t break the bank. Take a look at the table below to see the cheapest rates for Millersville drivers with an accident on their record.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $166 | Carl, 41 Zip: 17551 | Jeep Patriot Latitude | • 25,000/50,000 Liability • Comp / Collision |
Not At Fault | Safeco | $102 | Rosie, 38 Zip: 17551 | Chevrolet Equinox LT | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Bristol West | $143 | Gerald, 40 Zip: 17551 | Jeep Patriot Latitude | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest car insurance in Millersville after other driving violations
DUIs, speeding tickets, and accidents aren’t the only violations that can lead to insurance rate increases. Other offenses, such as
reckless driving
or driving without insurance, can result in high car insurance costs in Millersville. Thanks to Jerry, Millersville drivers can still find cheap auto insurance with moving violations on their record.
Last Updated Nov 21, 2024Cheap car insurance quotes in Millersville by age
Age is another significant rating factor insurers use to determine car insurance costs. Drivers under 25 and new drivers typically see higher rates due to less experience on the road. Likewise, drivers in their mid-70s can also expect higher insurance rates compared to middle-aged drivers.
Cheapest car insurance in Millersville for young drivers
New drivers
between the ages of 16 and 24 generally pay the highest insurance premiums in Millersville. Full coverage is a good idea for those with limited driving experience as it offers broader financial protection in case of an accident.Millersville drivers under the age of 21 could pay around $152 a month for minimum liability coverage and $236 a month for full coverage. However, those costs are about 41% lower for young drivers who remain on a parents’ policy.
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 Millersville find affordable premiums. 
Lilly (18 years old)
$120
per month
Cheapest car insurance in Millersville 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.On average, drivers 65 and up in Millersville pay around $38 a month for minimum liability insurance and around $81 a month for full coverage. Here are some real quotes Jerry found for senior drivers in Millersville.
Cheap car insurance quotes in Millersville based on insurance history
Your insurance history significantly influences your car insurance rates. When insurers calculate your premium, they consider how long you’ve been continuously insured. In most cases, drivers with a long history of continuous insurance are offered lower rates than drivers with minimal insurance history or who have had a
lapse in coverage
.Whether you’re a new driver with a limited history or have been uninsured for a specific period, Jerry can help you find affordable car insurance.
Cordelia (41 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Millersville, PA (Zip Code: 17551)
$166
per month
Albert (27 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Millersville, PA (Zip Code: 17551)
GMC Acadia SLT-2$90
per month
Teresa (21 years old)
$303
per month
Josephine (32 years old)
Currently Insured
CoverageState Minimum
Millersville, PA (Zip Code: 17551)
Mitsubishi Outlander Sport ES$152
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 Millersville 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 |
|---|---|---|---|---|---|
550 - 659 | Progressive | $166 | Kenneth, 41 Zip: 17551 | Jeep Patriot Latitude | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Millersville for popular cars
Your vehicle make, model, and year also influence how much you’ll pay for car insurance. Vehicles with higher repair and replacement costs—new, luxury, sports, or high-performance—have higher premiums than older, non-luxury cars.
Take a look at the table below for insurance rates for some of the most popular cars in Millersville.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic | Nationwide | $54 | Francis, 38 Zip: 17551 | • 50,000/100,000 Liability • Comp / Collision |
| Honda Honda_cr-V | AAA | $60 | Brian, 44 Zip: 17551 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024How to lower car insurance costs in Millersville
1. Shop around and compare quotes
Insurers use different algorithms to calculate insurance rates, so obtaining quotes from at least three providers is important before signing an auto insurance policy. And because your driver profile and insurer criteria are constantly changing, you can stay on top of the cheapest rates by
shopping around every six months
. With dozens of insurers in Millersville, shopping for different quotes with different insurance agents can be laborious. Use the Jerry app to help simplify the process. In under a minute, Jerry pulls free quotes from a pool of 55+ top providers to find you the best rate.
2. Hunt for car insurance discounts
Car insurance discounts
are a quick and straightforward way to save. Almost every insurer offers discounts, but what’s offered varies between providers.Here are some standard discounts you may qualify for:
- Good driver discounts: Most insurers offer up to 20% savings on your premium by maintaining aclean driving recordwith no points or at-fault accidents in the last few years.
- Good student discounts: Full-time high school or college students can earn a discount on their premium by maintaining a B average or higher.
- Customer loyalty discounts: Many insurers offer savings for policyholders who take advantage of multiple policies with the same provider. This can includebundling auto and homeowners insurance, insuring multiple vehicles in your household with the same provider, or combining other insurance products available through a single provider.
- Low mileage discounts: Driving your car less puts you at a lower risk of getting into an accident and filing a claim, leading to lower insurance rates.
3. Increase your deductible for comprehensive and collision coverage
Another way to cut monthly car insurance costs is to request a higher deductible for your comprehensive and collision coverage. The higher your deductible, the lower your payments. But be sure to choose a deductible you can reasonably afford in the event of an accident.
Why is car insurance in Millersville so expensive?
Millersville car insurance rates are high compared to some areas for several reasons:
- Traffic: As the population trends upward in Millersville, more cars on the road lead to heavier traffic and increased accident risk.
- Uninsured drivers: More than 12% of drivers in Pennsylvania are uninsured. The additional costs of being in an accident with an uninsured/underinsured driver often translates into higher premiums. Purchasing uninsured motorist coverage can help offset these costs.
- Expensive healthcare: Healthcare costs in Pennsylvania are significantly higher than in other states. Insurers charge higher premiums to compensate for increased medical costs.
- Car thefts and crime: Pennsylvania saw a 25% increase in car thefts from 2019 to 2020. More drivers filing comprehensive claims leads to higher premiums.
- Northern weather conditions: Millersville gets its fair share of snow, making for treacherous winter driving conditions. With a higher risk of accidents and subsequent damage, insurance costs go up.
FAQ
How much is car insurance in Millersville?
People living in Millersville pay on average $54 per month – or $648 per year – on state-minimum liability coverage. Full coverage in Millersville costs on average $112 per month or $1,344 per year.
What is the minimum car insurance in Millersville, Pennsylvania?
All Millersville drivers must carry at least $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, $5,000 in
property damage liability
per accident, and $5,000 in personal injury protection (PIP).What is the cheapest car insurance in Millersville?
Based on thousands of Millersville drivers Jerry has worked with, car insurance in Millersville costs an average of $54 per month for state-minimum coverage and $112 per month for full coverage.
No single provider will offer the ‘cheapest’ policy for all drivers—however, most Millersville motorists can find affordable coverage with providers including Travelers, National General, and Infinity.
What is the best car insurance in Millersville?
Coverage and price are two important factors when shopping for car insurance, but they’re not the only factors. Farmers, Infinity, and Travelers received some of the highest scores in our recent survey for not only customer service, but also policy cost, buying process, and claims handling.
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.
Sources
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.