Cheapest Auto Insurance in York, Pennsylvania (2025)

If you live in York, you’re in an excellent position for cheap car insurance rates. The average monthly premium here is just $123. That’s less than the national average of $144. York County, despite its low rates, has a high number of car accidents compared to other parts of the state and ranks third for traffic-related deaths.1

Here’s what you should know about the auto insurance market in York, as well as ways you can reduce your expenses as much as possible.

Cheapest car insurance companies in York

Your search for affordable auto insurance is about more than grabbing the cheapest deal. It’s about finding a plan that fits your individual needs and lifestyle. Drivers have different circumstances, cars, and driving habits, and your coverage should reflect that. 

The best way to find the right coverage for you is to compare quotes from several insurers. As you begin your search, keep these three in mind. Their statewide quotes for full and liability coverage are included below.

Best insurer for liability-only coverage: Foremost

Best insurer for commuters: Erie Insurance

Best insurer for young drivers: State Farm

How to get the cheapest car insurance in York

Cheap car insurance is tricky to find because so many factors are at play. Your driving history, vehicle type, and even ZIP code can all influence your premium. Each insurance company weighs these details differently. Here are some ways you can save money:

• Bundle up. Combine multiple insurance policies, like car and home insurance, to get a bundling discount for better rates.

• Drive safely. Keep a clean driving record to qualify for the lowest premiums.

• Choose a higher deductible. Agreeing to pay a higher deductible can lower your car insurance bill.

• Ask for discounts. Always ask your insurer what discounts you may qualify for.

Cheapest liability-only car insurance in York: National General

Liability-only car insurance is the most basic level of coverage available. It helps pay for the other person’s injuries and damages in an accident you cause. It also meets Pennsylvania’s minimum auto insurance requirements. However, the protection doesn’t extend to your car. It’s cheaper than other coverages, making it a good option if cost is your primary consideration.

National General offers the best insurance rates for liability coverage in York, with rates of just $63 per month.

The table below offers average monthly quotes for other York insurers.

Cheapest full-coverage car insurance in York: State Farm

Liability insurance takes care of the other person when you cause an accident, while full coverage also looks out for your car. It’s a good option if your car is newer or you’re still paying it off. You may also want to consider upgrading to full coverage if you spend a lot of time on the road since you may need full coverage before adding towing coverage.

State Farm stands out for budget-friendly full-coverage insurance, with monthly rates of $76, and you can compare other insurers in the table below.

Car insurance requirements in Pennsylvania

Pennsylvania requires drivers to carry a 15/30/5 auto insurance policy.4 Policies must also include a minimum of $5,000 in medical benefits. If you fail to maintain these standards and let your car insurance lapse, you could lose your vehicle registration privileges for three months.

The state of Pennsylvania also gives you the option to choose full or limited tort coverage. Limited tort policies are cheaper, but they don’t let you claim pain and suffering in most cases. However, you can recover any medical expenses you paid.5

The coverages above meet the state minimum. However, if you’re looking to enhance your coverage, a variety of options are available, including:

Pennsylvania Assigned Risk Plan

Cheapest car insurance for drivers with an incident

If you have an incident on your record, it means you’ve had a speeding ticket, at-fault accident, DUI, or another moving violation. Incidents signal to insurers that your driving behavior is riskier, and you’ll likely pay higher premiums because of it.

In the sections that follow, you’ll see how each incident type can affect your rates.

Cheapest car insurance for drivers with a speeding ticket: National General

In Pennsylvania, speeding causes the greatest number of car accidents and traffic fatalities.1 With that in mind, it’s no surprise that speeding tickets on your record can drive up auto insurance premiums. In fact, drivers with a speeding ticket on their record pay an average monthly premium of $165.

Below, you’ll see the average cost of car insurance for drivers with a speeding ticket from several York auto insurance companies, compared to drivers with a clean record.

Cheapest car insurance for drivers with an at-fault accident: National General

Insurers face additional liability and claim costs from at-fault accidents. The increased risk leads companies to charge higher premiums. Although York County has the fewest reported car crashes in the state, it ranked third for the most traffic-related deaths, according to the 2022 Pennsylvania Crash Facts and Statistics report from the Pennsylvania Department of Transportation.1

The average monthly premium for drivers in York with an accident on their record is $143.

The following table provides an overview of average quotes for drivers with and without an at-fault accident in York.

Cheapest car insurance for drivers with a DUI: National General

A DUI is a serious incident that can affect your insurance rates dramatically. If you’re found guilty of driving under the influence, your insurer might cancel or refuse to renew your policy altogether. Even if you keep your insurer, you’ll see a significant jump in your auto insurance bill.

Drivers with a DUI on their record pay an average of $198 per month for coverage in York.

To see the different average prices for a York driver with a clean record compared to one with a DUI, consider the table below.

Cheapest car insurance for seniors: National General

As of 2022, more than 900,000 drivers in Pennsylvania are age 75 and older.1 Of the accidents that this demographic had in 2022, 22% were single-car accidents, and an alarming 78% were multi-car accidents, according to data from the Pennsylvania Department of Transportation.1 The increased crash risk is one reason drivers see rising car insurance rates around age 70.

York area seniors pay an average of $110 per month for car insurance, and you can check out low-cost insurers in the table below to get the best deal.

Cheapest car insurance for teens: National General

A hefty car insurance bill often overshadows the thrill of getting a driver’s license as a teen. The Pennsylvania Department of Transportation reports that in 2022, young drivers were in nearly 25,000 crashes, 65% of which were multi-vehicle crashes.1

Teens have little experience behind the wheel. Combine that with youthful impulsiveness and peer pressure, and it all leads to riskier driving choices.

To ease the financial burden of high insurance costs, teens can remain on their parents’ insurance policy, choose a vehicle that gets high marks for safety, and improve their grades to qualify for a good student discount.

Teens pay an average of $241 per month for car insurance in York. Below, you’ll see a quote comparison for teens from various insurers to help you find the right coverage for you.

York car insurance quotes by credit tier

Insurance companies review your credit history when setting your premiums. However, though companies can weigh credit information differently, it’s in your best interest to have a higher credit score.

Insurity data shows that drivers with excellent or good credit in York can save an average of up to $1,200 every year compared to drivers with poor credit.

Is car insurance more expensive in York?

Car insurance rates vary across Pennsylvania. Even identical policies can have different price tags based on location. At $123 per month, York has some of the cheapest car insurance in the state, and it’s also cheaper than the national average of $144.

More cities in Pennsylvania

How does York compare to other cities in Pennsylvania? The table below shows you average monthly quotes for liability and full coverage in cities across the Keystone State.