Mechanicsburg, PA Auto Insurance (2024)
The average Mechanicsburg, PA auto insurance rates are $274 per month. The minimum auto insurance in Mechanicsburg is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Mechanicsburg, Pennsylvania, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Mechanicsburg, Pennsylvania is 15/30/5
- The cheapest auto insurance company in Mechanicsburg is USAA
- The most expensive auto insurance company in Mechanicsburg for teen drivers is Travelers
Mechanicsburg, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania auto insurance laws. Finding cheap auto insurance in Mechanicsburg can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Mechanicsburg, Pennsylvania, including driving record, credit, commute time, and more.
Compare auto insurance in Mechanicsburg to other Pennsylvania cities, including Harrisburg auto insurance rates, Reading auto insurance rates, and Philadelphia auto insurance rates to see how Mechanicsburg, Pennsylvania auto insurance rates stack up.
Before you buy Mechanicsburg, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Mechanicsburg, Pennsylvania auto insurance quotes.
Minimum Auto Insurance in Mechanicsburg, Pennsylvania
Mechanicsburg, Pennsylvania auto insurance laws require that you have at least the Pennsylvania minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Mechanicsburg, Pennsylvania.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Cheap Mechanicsburg, Pennsylvania Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Mechanicsburg, Pennsylvania are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,078 | $2,078 | $1,925 | $1,925 | $6,943 | $6,943 | $2,276 | $2,276 |
| Geico | $1,492 | $1,295 | $1,431 | $1,242 | $3,713 | $3,224 | $1,492 | $1,295 |
| Liberty Mutual | $2,872 | $2,872 | $2,634 | $2,634 | $8,316 | $8,316 | $3,636 | $3,636 |
| Nationwide | $1,524 | $1,524 | $1,445 | $1,445 | $4,336 | $4,336 | $1,712 | $1,712 |
| Progressive | $2,397 | $2,397 | $2,143 | $2,143 | $7,878 | $7,878 | $3,056 | $3,056 |
| State Farm | $1,422 | $1,422 | $1,263 | $1,263 | $5,233 | $5,233 | $1,575 | $1,575 |
| Travelers | $1,500 | $1,500 | $1,623 | $1,623 | $21,892 | $21,892 | $1,800 | $1,800 |
| USAA | $997 | $997 | $905 | $905 | $3,027 | $3,027 | $1,315 | $1,315 |
Cheap Mechanicsburg, Pennsylvania Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Mechanicsburg, Pennsylvania is a challenge. Take a look at the annual teen auto insurance rates in Mechanicsburg, Pennsylvania.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,943 | $6,943 |
| Geico | $3,713 | $3,224 |
| Liberty Mutual | $8,316 | $8,316 |
| Nationwide | $4,336 | $4,336 |
| Progressive | $7,878 | $7,878 |
| State Farm | $5,233 | $5,233 |
| Travelers | $21,892 | $21,892 |
| USAA | $3,027 | $3,027 |
Cheap Mechanicsburg, Pennsylvania Auto Insurance for Seniors
What are senior auto insurance rates in Mechanicsburg, Pennsylvania? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,925 | $1,925 |
| Geico | $1,431 | $1,242 |
| Liberty Mutual | $2,634 | $2,634 |
| Nationwide | $1,445 | $1,445 |
| Progressive | $2,143 | $2,143 |
| State Farm | $1,263 | $1,263 |
| Travelers | $1,623 | $1,623 |
| USAA | $905 | $905 |
Cheap Mechanicsburg, Pennsylvania Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Mechanicsburg, Pennsylvania compared to the annual auto insurance rates with a clean record in Mechanicsburg, Pennsylvania.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,166 | $3,724 | $3,166 | $3,166 |
| Geico | $1,407 | $2,380 | $1,874 | $1,930 |
| Liberty Mutual | $3,967 | $4,576 | $4,457 | $4,457 |
| Nationwide | $1,633 | $2,182 | $3,029 | $2,173 |
| Progressive | $3,504 | $4,864 | $3,602 | $3,506 |
| State Farm | $2,158 | $2,588 | $2,373 | $2,373 |
| Travelers | $4,747 | $6,770 | $8,528 | $6,770 |
| USAA | $1,257 | $1,736 | $1,850 | $1,403 |
Cheap Mechanicsburg, Pennsylvania Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Mechanicsburg, Pennsylvania is not easy. Compare the annual rates for DUI auto insurance in Mechanicsburg, Pennsylvania to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,166 |
| Geico | $1,874 |
| Liberty Mutual | $4,457 |
| Nationwide | $3,029 |
| Progressive | $3,602 |
| State Farm | $2,373 |
| Travelers | $8,528 |
| USAA | $1,850 |
Cheap Mechanicsburg, Pennsylvania Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Mechanicsburg, Pennsylvania annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,231 | $3,147 | $2,538 |
| Geico | $2,834 | $1,610 | $1,251 |
| Liberty Mutual | $5,565 | $3,997 | $3,531 |
| Nationwide | $2,640 | $2,178 | $1,945 |
| Progressive | $5,115 | $3,600 | $2,891 |
| State Farm | $3,378 | $2,091 | $1,650 |
| Travelers | $7,280 | $6,592 | $6,238 |
| USAA | $1,943 | $1,452 | $1,289 |
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Cheap Mechanicsburg, Pennsylvania Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Mechanicsburg, Pennsylvania can vary. Compare the annual cost of auto insurance by ZIP code in Mechanicsburg, Pennsylvania to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 17050 | $4,110 |
| 17055 | $4,121 |
Cheap Mechanicsburg, Pennsylvania Auto Insurance Rates By Commute
Commute length and annual mileage affect Mechanicsburg, Pennsylvania auto insurance. Find the cheapest annual Mechanicsburg, Pennsylvania auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,240 | $3,371 |
| Geico | $1,869 | $1,927 |
| Liberty Mutual | $4,254 | $4,475 |
| Nationwide | $2,254 | $2,254 |
| Progressive | $3,869 | $3,869 |
| State Farm | $2,303 | $2,443 |
| Travelers | $6,704 | $6,704 |
| USAA | $1,517 | $1,605 |
Cheap Mechanicsburg, Pennsylvania Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Mechanicsburg, Pennsylvania? Check out the comparison of annual Mechanicsburg, Pennsylvania auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,158 | $3,326 | $3,432 |
| Geico | $1,711 | $1,918 | $2,065 |
| Liberty Mutual | $4,124 | $4,400 | $4,570 |
| Nationwide | $2,253 | $2,288 | $2,222 |
| Progressive | $3,529 | $3,907 | $4,170 |
| State Farm | $2,203 | $2,409 | $2,507 |
| Travelers | $6,789 | $6,711 | $6,610 |
| USAA | $1,435 | $1,577 | $1,672 |
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Best By Category: Cheapest Auto Insurance in Mechanicsburg, Pennsylvania
Compare the cheapest auto insurance companies in Mechanicsburg, Pennsylvania in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Mechanicsburg, Pennsylvania Auto Insurance Companies
What auto insurance companies in Mechanicsburg, Pennsylvania are the cheapest? Compare the top Mechanicsburg, Pennsylvania auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,305 |
| Geico | $1,898 |
| Liberty Mutual | $4,364 |
| Nationwide | $2,254 |
| Progressive | $3,869 |
| State Farm | $2,373 |
| Travelers | $6,704 |
| USAA | $1,561 |
What affects auto insurance rates in Mechanicsburg, Pennsylvania?
There are a lot of reasons why auto insurance rates in Mechanicsburg, Pennsylvania are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Mechanicsburg, Pennsylvania. Many local factors may affect your Mechanicsburg auto insurance rates.
Mechanicsburg Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Mechanicsburg, Pennsylvania commute length is 20.9 minutes according to City-Data.
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Compare Mechanicsburg, Pennsylvania Auto Insurance Quotes
Before you buy Mechanicsburg, Pennsylvania auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Mechanicsburg, Pennsylvania auto insurance quotes.
Frequently Asked Questions
What happens if I drive without insurance in Mechanicsburg, Pennsylvania?
Driving without insurance is illegal and can result in fines, license suspension, and vehicle impoundment.
Can I cancel my auto insurance policy in Mechanicsburg, Pennsylvania?
You can cancel, but check for any penalties or fees in your policy.
What should I do in case of an accident or insurance claim in Mechanicsburg, PA?
Ensure safety, report the incident to your insurer, and follow their instructions.
Can I choose any auto insurance provider in Mechanicsburg, Pennsylvania?
Yes, as long as they are licensed to operate in the state.
Do I need more than the minimum coverage in Mechanicsburg, Pennsylvania?
Consider additional coverage like comprehensive, collision, and higher liability limits.
Are there discounts available for auto insurance in Mechanicsburg, Pennsylvania?
Yes, discounts such as safe driver, multi-vehicle, and bundling may be available.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.