For a 40-year-old driver with a clean record, car insurance in Lancaster, PA, averages about $170 a month ($2,041 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 17% under Pennsylvania’s $204 monthly average. Erie has the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $135 a month.
Lancaster drivers pay about 17% less than the Pennsylvania average for full coverage, about $170 a month for our benchmark driver. That’s in line with York and Harrisburg, and about $26 a month less than in Reading, about 30 miles northeast.
Our data covers the three Lancaster ZIP codes, 17601, 17602 and 17603, so these averages are a fair benchmark when you compare car insurance quotes in Lancaster, PA.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Lancaster ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in Lancaster, PA, runs about $170 a month ($2,041 a year), and liability-only coverage at Pennsylvania’s 15/30/5 minimum runs $49 a month, based on rates insurers had filed as of Aug. 31, 2026. The Pennsylvania average is $204 a month, so that figure is 17% lower.
Erie has the lowest full-coverage average among the five insurers in our Lancaster rate data. The seven published 2026 statewide Pennsylvania rate studies we reviewed disagree on the cheapest insurer for full coverage: two rank Travelers first, two Auto-Owners and one each Erie, Encova and State Farm. Four of the seven price Travelers below Erie, and two price Nationwide below it. For liability-only coverage at 15/30/5 limits, averages run from about $28 to $83 a month among these five insurers; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Lancaster
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Erie | $341 | $28 | $1,615 | $135 |
| State Farm | $573 | $48 | $2,016 | $168 |
| Progressive | $508 | $42 | $2,018 | $168 |
| GEICO | $547 | $46 | $2,037 | $170 |
| Allstate | $996 | $83 | $2,519 | $210 |
| Travelers* | $389 | $32 | $1,347 | $112 |
| Nationwide* | $545 | $45 | $1,617 | $135 |
| Westfield Insurance* | $242 | $20 | $1,863 | $155 |
| USAA (military families)* | $499 | $42 | $2,025 | $169 |
| Lancaster average | $593 | $49 | $2,041 | $170 |
This table uses Lancaster ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the three Lancaster ZIP codes we price, full coverage for our driver ranges from about $162 a month in 17601 to $176 in 17602, a gap of $170 a year. 17601, north of downtown, is the least expensive Lancaster ZIP code in our data.
Lowest-priced Lancaster ZIP code
Highest-priced Lancaster ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Lancaster’s average.
| ZIP Code: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 17601 | $580 | $48 | $1,939 | $162 | -5% |
| 17602 | $603 | $50 | $2,109 | $176 | +4% |
| 17603 | $595 | $50 | $2,075 | $173 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $47 a year on average in our Lancaster data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same Lancaster ZIP codes, full coverage averaged $2,081 a year nine months earlier and $2,041 in rates as of Aug. 31, 2026, a 1.9% drop. State Farm cut its Lancaster average 10.0% and Progressive 1.7%, while Allstate raised its average 2.5%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.5%, led by Allstate, which raised its liability-only average 4.7%.
Lancaster County’s roads mix city traffic, visitors heading to the countryside and, on rural routes, Amish horse-drawn buggies. Even so, the rates insurers file with state regulators for Lancaster ZIP codes sit well below the state average, and Lancaster County averages about $169 a month for full coverage in our data.
The insurer you pick matters far more than your ZIP code. Allstate’s Lancaster average is about $75 a month above Erie’s for the same driver and car, while the three Lancaster ZIP codes are about $14 a month apart.
More Pennsylvania cities and towns are in the Pennsylvania rates by city table, and you can compare states on our car insurance rates by state page.
Elsewhere in Lancaster County, Elizabethtown averages about $158 a month in our data and Ephrata $166. Nearby, Lebanon averages about $160 a month, and York, about 23 miles west, about $170. Reading, about 30 miles northeast, averages $196. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in Lancaster follow Pennsylvania’s rules. To register and drive a car, your policy must include at least $15,000 in bodily injury liability for one person, $30,000 for everyone hurt in one crash and $5,000 in property damage liability. Those liability limits are often written as 15/30/5. Your policy must also include $5,000 in medical benefits, which pay your own medical bills after a crash no matter who caused it.
Uninsured and underinsured motorist coverage is optional, letting your coverage lapse can cost you your registration, and every policy asks you to choose full tort or limited tort. Our Pennsylvania requirements guide covers the penalties for driving uninsured, and our Pennsylvania tort guide compares the two tort options side by side. For our benchmark driver, a liability-only policy at those 15/30/5 limits averages $593 a year ($49 a month) in Lancaster, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $1,994 a year.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Pennsylvania Insurance Department and PennDOT. We refresh these figures when new rate data is released.
Car insurance in Lancaster, PA, costs about $170 a month ($2,041 a year) for full coverage and $49 a month for liability-only coverage at Pennsylvania’s 15/30/5 minimum, for a 40-year-old driver with a clean record, in rates insurers had filed as of Aug. 31, 2026. That’s 17% below the Pennsylvania average of $204 a month.
Erie has the lowest full-coverage average among the five major insurers we compared in Lancaster, at about $135 a month, followed by State Farm and Progressive at about $168 each. Travelers, which we list with a *, comes in lower in our table. For liability-only coverage, averages run from about $28 to $83 a month among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. In our data, Lancaster full coverage averages about $170 a month, about $26 a month less than Reading ($196), and 17% below the Pennsylvania average.
In our data, 17601 has the lowest full-coverage average in Lancaster, at about $162 a month, and 17602 the highest, at about $176. The ZIP code table on this page lists all three.
In our Lancaster data, full coverage (100/300/100 with $500 deductibles) averages about $170 a month and liability-only coverage at 15/30/5 limits about $49, a difference of about $121 a month ($1,448 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Pennsylvania law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Lancaster must carry Pennsylvania’s minimums: $15,000 per person and $30,000 per crash in bodily injury liability and $5,000 in property damage liability (15/30/5), plus $5,000 in medical benefits. Uninsured and underinsured motorist coverage is optional, and every policy asks you to choose full tort or limited tort.
Not for full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Lancaster full coverage fell 1.9% over the past nine months, from about $2,081 to $2,041 a year. State Farm cut its Lancaster average 10.0% and Progressive 1.7%, while Allstate raised its average 2.5%. Liability-only coverage at 15/30/5 limits rose 0.5%.
For our benchmark driver, full coverage in Lancaster averages about $170 a month. Nearby, York averages about $170, Reading about $196 and Harrisburg about $170. York and Harrisburg are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
