How much does car insurance cost? Moving a county away can save (or cost) you hundreds a year Car insurance rates have grown significantly in central Pennsylvania, but drivers here still pay less than most.
According to Zebra, an insurance search engine, the Harrisburg-Lancaster metro area has seen a 41 percent increase in insurance rates since 2011.
That’s a lot higher than the national average increase, which was 23 percent in eight years. However, central Pennsylvanians in general pay less per year than both the national and statewide average.
All kinds of factors go into insurance rates: driving history, vehicle type, marital status, age and gender. Location, even within a single county, can change rates significantly.
Here’s how it looks:
Where you live affects your car insurance rates.
Zebra studied premiums across the U.S. and came up with a national average of $1,470 per year.
The most expensive metro area for insurance is Detroit at $5,464 yearly. The lowest is Winson-Salem, N.C., at $846. Philadelphia was among the top 10 most expensive at $2,520, topping Los Angeles.
Pennsylvania as a whole is 28th out of all states, with a yearly average car insurance rate of $1,390.
Where you live makes a difference in what you pay.
There are areas in central Pennsylvania, however, that see higher rates. People in these zip codes pay the most:
17509, Christiana, Lancaster County: $1,357
17527, Gap, Lancaster County: $1,351
17302, Airville, York County: $1,351
17518, Drumore Township, Lancaster County: $1,349
17103, Penbrook-Progress area, Dauphin County: $1,348
17314, Delta, York County, $1,338
17104, Swatara Township area, Dauphin County: $1,335
17563, Peach Bottom, Lancaster County, $1,332
17562, Paradise, Lancaster County, $1,323
17532, Holtwood, Lancaster County, $1,322
There are areas in central Pennsylvania that see lower rates, too. People in these zip codes pay the least:
17266, Walnut Bottom, Cumberland County, $1,136
17007, Boiling Springs, Cumberland County, $1,140
17055, Mechanicsburg, Cumberland County, $1,142
17013, Carlisle-Middlesex Township, Cumberland County, $1,142
17065, Mount Holly Springs, Cumberland County, $1,142
17027, Grantham, Cumberland County, $1,145
17015, Carlisle-Plainfield, Cumberland County, $1,149
17070, Lower Allen Township, Cumberland County, $1,150
17025, Enola, Cumberland County, $1,152
17257, Shippensburg, Cumberland County, $1,155
What you drive affects your car insurance rates.
The most expensive vehicle to insure nationwide is the Audi R8, at $4,102/year. The least expensive is the Subaru Outback, $1,392.
An Audi R8 in California in March 2018.
Filing a claim almost always makes your rate go up. One comprehensive claim boosts rates by an average of 4 percent. Two claims? 10 percent.
As far as age, it’s cheaper to be a middle-aged driver. People in their 50s pay the least for vehicle insurance, just under $1,300 a year. Paying the most are teens ($5,217), people in their 20s ($1,979) and those in their 80s ($1,847).
People in their 80s pay the most in car insurance behind those in their teens and 20s.
Zebra says it looked at 61 million car insurance premiums across every U.S. zip code, using a standard coverage and driver type to be able to compare results evenly.
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