rated well among York drivers. However, the best company for you might not be on this list. For instance, Progressive insurance in York, PA is a popular choice for local drivers.

Affordable rates can be found at every company—it all depends on the driver’s circumstances. The cheapest company for your neighbor may not be the cheapest one for you!

Before you pick the right coverage, think about the criteria that matter most to you: cost, customer service, claims handlings, and languages of service. It might be Progressive in York, PA this time, or another company in six months when rates change.

Here’s what local policyholders had to say when asked to rank top providers on a scale of 0 to 5.

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost	Cost rating	Overall Jerry rating
State Auto	$22	$112	4.3	4.4
Clearcover	$26	$61	N/A	4.6
Travelers	$26	$111	4.2	4.5
Kemper	$26	$95	4.5	4.1

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Cheapest car insurance quotes in York

Auto insurance in York, PA, costs about $51 per month for minimum protection, or $612 per year. Full coverage costs about $125 per month, or $1,500 per year. On both counts, York drivers pay slightly cheaper rates than the state average in Pennsylvania.

Coverage type	York, PA	Pennsylvania	United States
State minimum	$51	$53	$77
Full coverage	$125	$133	$165

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.

Affordable rates are still possible, but to find your cheapest rate, you need to get quotes customized to your specific driver history. There is no single cheapest company in York, so you should use a

comparison app

to get free quotes and find the lowest possible rate for your preferred coverage options.

Best cheap car insurance quotes in York

All York drivers are subject to

Pennsylvania car insurance laws

, which mandate minimum coverage for

liability

and

personal injury protection (PIP)

. You can exceed these limits, but you can’t go below them, which is why Jerry’s experts have put together all the tips you need to find the best coverage at the best price.

Cheap minimum liability insurance quotes in York

Liability coverage protects other people. It pays out if you injure people or damage property. The basic liability limits in Pennsylvania are 15/30/5:1

$15,000 in

bodily injury liability

per person

$30,000 in bodily injury liability per accident

$5,000 in

property damage liability

per accident

PIP (called First Party Benefits (FPB) in Pennsylvania) covers medical expenses for you and your passengers up to the policy limit:

$5,000 in personal injury protection

Looking for affordable minimum coverage in Pennsylvania? Here are real rates from York drivers who found coverage with Jerry.

Insurance company	Monthly minimum coverage cost
State Auto	$22
Clearcover	$26
Travelers	$26

Do you need more than minimum coverage in York?

Most York drivers opt to get more coverage than the bare minimum in Pennsylvania. That’s because 15/30/5 liability is unlikely to cover all the costs in a serious accident—which may happen on a winter road or a highly congested York County intersection.

Here’s an example. The state minimum policy gives you $5,000 of property damage coverage. If you total someone’s brand new car, you’ll owe them about $48,000 (the average cost of a new car) to replace it.

You have two options for increasing your protection.

You can increase your liability limits to 50/100/50 or 100/300/100, which is what Jerry experts recommend. You can also opt for full coverage auto insurance in York, PA, which pays out to repair and replace your own vehicle.

Some drivers opt for additional protection with roadside assistance or

uninsured motorist protection

for ultimate peace of mind. Your insurance needs are totally unique to you.

Cheap full coverage car insurance quotes in York

Full coverage

pays to repair or replace your car if it gets damaged in a covered incident. It’s a popular policy that includes two types of protection:

Collision coverage

: This covers collision-related damages, such as accidents with another vehicle or stationary object.

Comprehensive coverage

: This covers non-collision damages, like theft, vandalism, and weather damage.

Be aware that Pennsylvania drivers can be required to carry full coverage by a lender, even though state law doesn’t require this kind of coverage. If you’re driving a leased or financed vehicle, check your agreement carefully before buying a policy.

Insurance company	Monthly full coverage cost
Clearcover	$61
Kemper	$95
Travelers	$111

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| Verified Jerry Customer

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Average cost of car insurance in York

The average York driver pays about $51 per month for minimum coverage. That’s cheaper than the national average by about $20!

For full coverage, average costs in York are about $125 per month.

York drivers are facing a tricky insurance situation. PA insurance rates have increased nearly 25%2 in recent years, according to S&P Global.

There are a few reasons for this. Pennsylvania is facing more extreme weather patterns like flooding3, due to climate change. Car thefts are also on the rise4 in nearby major cities like Philadelphia, and congestion rates5 in York are high—although not the highest in the region.

The good news is that average rates are just a starting point. You should expect your rate to be higher or lower, depending on your driving history, your location, and the kind of car you drive.

Average cost of car insurance in York by ZIP code

There are nearly 45,000 people living in York, and not all neighborhoods are alike. Some areas have higher theft rates or traffic accident rates. Drivers in these areas pay more for insurance since their cars are at higher risk.

Take a look at the rates of York drivers who live in various neighborhoods.

ZIP codes	Monthly minimum coverage cost
17404	$54
17408	$58
17406	$63
17401	$75
17402	$75
17403	$97

Compare car insurance costs in other states

Maryland car insurance

New Jersey car insurance

Delaware car insurance

New York car insurance

Connecticut car insurance

West Virginia car insurance

Virginia car insurance

Rhode Island car insurance

Car insurance quotes in York by rating factors

Companies use highly complex formulas to assess a driver’s risk and

assign insurance rates

. However, all providers care about the same core risk factors:

The kind of car you have: Expect to pay more to cover vehicles that cost more to repair and replace, like sports cars and luxury models.

Where you keep your car: Your ZIP code has a risk profile that affects your rate. It also matters whether you park on the road or in a garage overnight.

Your driving record and claims history: Violations, traffic tickets, and past accident claims can raise your rates for coverage.

How you use your car: Leisure drivers pay less for coverage because of infrequent use, where commuters tend to pay more.

Your credit score: York drivers with lower credit tend to pay more for coverage.

Cheap car insurance quotes in York after driving violations

York drivers with a past violation can expect to pay higher-than-average rates for coverage. That’s because past infractions predict future risk. A history of multiple violations means even higher rates.

Here are some driving violations that can trigger higher rates in York:

Speeding

DUI

Reckless driving

Driving with a suspended license

Texting and driving

Cheapest car insurance in York after speeding ticket

Speeding fines in Pennsylvania are incremental6, based on how many miles per hour over the limit you were traveling. For instance, you’ll pay $45 for traveling 10 mph over the limit and $95 for traveling 35 mph over the limit. That doesn’t include additional surcharges if you were speeding in a protected zone or if it was a second offense.

Speeding is a risk factor—and speeding tickets are guaranteed to raise your rates in York.

You can still compare quotes to find the lowest possible rate after a speeding ticket. Here’s what Jerry drivers in York pay for coverage after one or more tickets.

Violation	Monthly coverage cost	Rate increase (%)
Minor speeding	$189	115%
Major speeding	$283	221%

Cheapest car insurance in York after DUI

DUIs in Pennsylvania

carry serious consequences, and they’re a real red flag to insurance companies.

On top of license suspension, fines, and possible jail time, expect your premium to nearly double after a DUI in York.

Here’s how much you can expect to pay for coverage after a DUI charge in PA.

Violation	Monthly coverage cost	Rate increase (%)
DUI	$167	90%

Cheapest car insurance in York after an at-fault accident

If you’ve caused one or more

auto accidents

in the past, you can expect to pay much more for coverage. Ultimately, you’re looking at a rate hike that can last for about three years, until you demonstrate safe driving behavior.

Driving record	Monthly coverage cost	Rate increase (%)
At-fault accident	$112	27%

How do different factors impact your car insurance costs in York?

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 York:

Cheapest car insurance in York after other driving violations

Get a ticket, get a rate hike. From failing to use your turn signal to

reckless driving

, driving violations on your

Pennsylvania driving record

will result in higher insurance premiums.

Violation	Monthly coverage cost	Rate increase (%)
Wrong way	$126	43%
Driving on suspended license	$133	51%
Failure to show documents	$164	86%

Cheap car insurance quotes in York by age

Age is a strong indicator of risk. That’s why young drivers and old drivers usually pay high rates for coverage, in Pennsylvania and elsewhere.

Cheapest car insurance in York for young drivers

New drivers

have the least experience behind the wheel. Even if they have a clean record, York

teen drivers

can expect to pay the highest car insurance rates out of all age groups.

Jerry recommends that all young drivers consider full coverage to protect their vehicles.

At age 25, premiums tend to drop again. Until that time, young drivers should stay on a parent or guardian’s policy to get lower rates.

Here are real rates that young drivers in York are paying.

Age	Monthly minimum coverage cost	Monthly full coverage cost
18-21	$121	$204

Cheapest car insurance in York for middle-aged drivers

Middle aged drivers pay some of the lowest rates for coverage, all other factors aside.

Age	Monthly minimum coverage cost	Monthly full coverage cost
22-25	$93	$156
26-34	$64	$125
35-44	$55	$104
45-54	$46	$87

While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in York for senior drivers

Around age 75, rates tend to spike to compensate for the slower reflexes and vision loss that tend to accompany old age. Plus,

senior drivers

are more susceptible to serious injury in an accident, leading to higher payouts.

Age	Monthly minimum coverage cost	Monthly full coverage cost
55-64	$50	$88
65+	$42	$83

Cheap car insurance quotes in York based on insurance history

Companies prefer to see continuous insurance—but many drivers have a gap or lapse in coverage. Perhaps you missed a payment or renewal accidentally, or you went overseas and let your policy lapse.

Expect higher rates if you’ve had a

past lapse

or if you’re currently uninsured.

Insurance history	Monthly coverage cost	Rate increase (%)
With coverage lapses	$112	27%

It’s not the end of the world, though! Jerry has helped York drivers find coverage, either after a lapse or when they don’t currently have coverage. Jerry users can also opt into reminders so they get help remembering to renew their coverage and avoid future lapses.

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 York for drivers with poor credit

Data shows that low credit drivers tend to file more claims, which cost companies more money. Plus, low

credit scores

indicate you may have had trouble paying bills on time.

Have a look at how much the average PA driver pays based on their credit score.

Credit score	Monthly coverage cost
< 600	$197
601-699	$175
700+	$137

Cheap car insurance quotes in York for popular cars

The type of car you drive is a risk factor, according to insurance companies. If you drive a car with excellent safety features, low theft rates, and affordable replacement costs, you’ll enjoy low premiums.

These models are the most common cars in York:

Vehicle type	Monthly minimum coverage cost
Honda Civic	$63
Honda CR-V	$112
Toyota RAV4	$82
Jeep Cherokee	$99
Honda Accord	$71

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in York

1. Shop around and compare quotes

Every six months, you’re eligible to renew your coverage—but there’s no guarantee that your rate is still the cheapest rate on the market. Companies use algorithms to calculate rates, and these algorithms change frequently.

Get a quote every six months when your policy is up for renewal. It’s a fast, free way to find out if another company offers cheaper rates for the same auto insurance coverage. You could save money just by switching, without losing any coverage.

Compare car insurance quotes now

2. Hunt for car insurance discounts

Companies like to reward safe driving behavior and loyalty with discounts. Most companies offer the same suite of

car insurance discounts

. Here are the most common ones:

Low mileage discounts: If you’re putting less than 10,000 miles per year on your car, most companies will give you a low-mileage discount.

Good driver discounts: You could save about 20% off your premium if you go several years without filing a claim, getting into an accident, or accruing points on your license.

Customer loyalty discounts: When you

bundle multiple policies

(like auto with home insurance) at the same company, you’ll get a loyalty discount.

Good student discounts: Most insurers reward you with the best rates if you’re a full-time student with a B average or higher.

MORE:

11 ways to lower car insurance

3. Increase your deductible for comprehensive and collision coverage

Before your full coverage kicks in, you have to pay an out-of-pocket deductible. The higher the deductible, the lower your monthly payment.

If you can comfortably afford a higher deductible (like $1,000 versus $500), you can enjoy a slightly cheaper monthly rate without sacrificing any coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in York so expensive?

Rates in York are cheaper than the state average and the national average. However, rates are on the rise due to several reasons

Insurance requirements: Pennsylvania is a choice no-fault state where all drivers are required to carry some form of medical benefits coverage for themselves and their passengers, up to $5,000. This typically leads to higher-than-average insurance prices.

Expensive cost of living: Although York prices are more affordable than other major cities in PA, car repair costs and healthcare costs are increasing. Insurers must raise their rates in order to cover these costs.

Uninsured drivers: Although only 6%7 of Pennsylvania drivers are uninsured, that still presents a risk factor to other drivers on the road. The extra costs of an accident with an uninsured driver often translate into higher premiums.

Weather conditions: Since York is in the southern area of PA, it gets less snow than other regions. However, winter driving conditions can still be hazardous. Since this increases the risk of accidents and damage, insurance costs go up.

FAQs

How much is car insurance in York?

The average York driver pays about $51 per month for minimum coverage, or $125 per month for full coverage protection. You should expect to pay more or less, depending on your driver profile and risk factors.

What is the minimum car insurance in York, Pennsylvania?

All drivers must carry at least the state minimum required coverage. That’s $15,000 per person and $30,000 per accident in bodily injury liability coverage plus $5,000 in property damage liability.

You must also carry at least $5,000 in medical expenses protection.

What is the cheapest car insurance in York?

State Auto, Clearcover, and Travelers tend to offer the cheapest rates in York with the average monthly premium ranging from $51 for minimum coverage to $125 for full coverage.

Keep in mind that finding the right company for you is like matchmaking—there’s only one best company for you! It’s unlikely that you and your neighbor will get the cheapest rates from the same company.

What is the best car insurance in York?

State Auto, Clearcover, and Kemper earned great ratings from real York drivers in a recent survey of policyholders. Cost is important, but so are customer service and claims handling performance. Pull custom quotes and get help comparing your options with the free

Jerry

app.

How much is car insurance in PA per month?

The Pennsylvania state average cost of car insurance is $53 per month for minimum coverage, or $133 for full coverage. In York, costs are slightly cheaper at $51 per month and $125 per month.

Why is car insurance so high in Pennsylvania?

PA is a choice no-fault state, which raises rates for everybody. Plus, PA is about in the middle of the pack when it comes to state fatality rates8 for auto accidents—and rates are on the rise.

Inflation is another factor that’s influencing car insurance rates nationwide.9 Even if you’ve had no changes in your driving history, you may still notice an increase in your premium because of changes in the cost of car repairs and healthcare.

How long can you go without car insurance before being penalized in PA?

You have 31 days before your vehicle registration is suspended in PA after a lapse in coverage. That’s only available to you if you can prove that your vehicle was not operated during that 31-day period, according to PennDOT.10

Can someone else drive my car in Pennsylvania?

Yes, under

permissive use

, other drivers are considered temporarily covered under your insurance if you gave them permission to use your vehicle. It’s not against the law. However, if someone is driving your vehicle regularly—especially if you live together—this person should be added as a named driver to your policy.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.

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.

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

https://www.dmv.pa.gov/VEHICLE-SERVICES/Insurance/Insurance%20Overview/Pages/default.aspx

https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/us-private-auto-insurance-rates-see-double-digit-jump-in-2023-77178794

https://gis.dep.pa.gov/ClimateChange/index.html

https://www.cbsnews.com/philadelphia/news/philadelphia-car-thefts-skyrocketing/

https://www.wgal.com/article/where-are-the-most-congested-roads-in-york-lebanon-counties/26431273

https://www.penndot.pa.gov/TravelInPA/Safety/TrafficSafetyAndDriverTopics/Documents/TIPP-Fine-Card.pdf

https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

https://www.cdc.gov/nchs/pressroom/sosmap/accident_mortality/accident.htm

https://6abc.com/car-insurance-rates-rising-information-institute/12867143/

https://www.dmv.pa.gov/Pages/FAQ%20Pages/Insurance-Law-FAQ.aspx#:~:text=A%20lapse%20in%20insurance%20coverage,this%20short%20lapse%20in%20coverage

Meet our experts

Bonnie Stinson

Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.

Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.

Maria Cruz

Expert Insurance Writer & Editor

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

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.