York, PA Car Insurance

Compared to their surrounding area, how do rates in York stack up? What about against the rest of Pennsylvania? What can York residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in York?

Based on the chart above, you can see that coverage in York typically costs about $17 a month less than it does in the rest of Pennsylvania.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in York is rather affordable. You can expect to pay about $27 below the national average for auto insurance in York.

While these are the average costs to insure your vehicle in York, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

We've done the heavy lifting for you and broken down the average rate for York so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in York may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. In York, although women do pay a bit less on their monthly insurance rates, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in York with one accident will pay around $66 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $66.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in York, with drivers paying around $49 per month for auto insurance coverage.

Truck and van drivers will see rates of about $54 for auto insurance, while car owners typically pay around $57 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In York, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

More often than not, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in York can be as much as $13 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. Renters can expect to pay around $9 a month more than homeowners in York. But those who live at home with their parents can expect to pay significantly more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in York, PA

Recent trends in car insurance for York drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Auto insurance rates in York decreased from 2017-2018, before steadying out in 2019. They finished down in 2022, at $49 a month

How does York compare to neighboring areas?

Why are car insurance rates in York different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

• Local crime rates
• Off-street parking access
• Total amount of drivers in the area
• Frequency of car accidents
• Community regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in York?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in York in no time.

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York Insurance FAQs

What factors affect car insurance quotes in York?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in York different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in York?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to York?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to York or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?