Cheap Quotes for Fredericksburg, PA Car Insurance (2024)
Fredericksburg, Pennsylvania car insurance rates average $309 a month and Pennsylvania law requires coverage of at least 15/30/5. By comparing rates from multiple Fredericksburg, PA companies, you can find cheap Fredericksburg car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance 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
- Average car insurance rates in Fredericksburg, PA after a DUI are $4,049/year
- Average car insurance rates in Fredericksburg, PA for senior drivers are $1,906/year
- The cheapest car insurance company in Fredericksburg is USAA
How do the Fredericksburg, Pennsylvania monthly average car insurance rates of $309/month compare to nearby cities like Harrisburg car insurance rates, Bethlehem car insurance rates, and Scranton car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Fredericksburg, PA.
We’ll cover the Pennsylvania minimum coverage requirements, Pennsylvania car insurance laws, and Fredericksburg, PA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Fredericksburg, Pennsylvania companies to find the most affordable Fredericksburg car insurance rates.
Enter your ZIP code above to find cheap Fredericksburg, PA car insurance quotes today.
What are the minimum Fredericksburg, PA car insurance requirements?
To meet Pennsylvania minimum car insurance coverage requirements, Fredericksburg, PA drivers need to carry at least 15/30/5 coverage.
| 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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Average Fredericksburg, PA Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Fredericksburg, PA you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 16335 | $4,643 |
| 17026 | $4,486 |
How do age, gender, and marital status affect Fredericksburg, PA car insurance rates?
Three of the criteria that most affect car insurance rates in Fredericksburg, Pennsylvania are age, gender, and marital status. Let’s take a look at how each of these stack up with top Fredericksburg car insurance companies.
| 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 | $2,317 | $2,317 | $2,134 | $2,134 | $7,654 | $7,654 | $2,551 | $2,551 |
| Geico | $1,890 | $1,637 | $1,765 | $1,530 | $4,711 | $4,086 | $1,914 | $1,657 |
| Liberty Mutual | $3,673 | $3,673 | $3,363 | $3,363 | $10,759 | $10,759 | $4,668 | $4,668 |
| Nationwide | $1,823 | $1,823 | $1,724 | $1,724 | $5,125 | $5,125 | $2,044 | $2,044 |
| Progressive | $2,606 | $2,606 | $2,328 | $2,328 | $8,430 | $8,430 | $3,337 | $3,337 |
| State Farm | $1,542 | $1,542 | $1,361 | $1,361 | $5,485 | $5,485 | $1,700 | $1,700 |
| Travelers | $1,559 | $1,559 | $1,679 | $1,679 | $22,253 | $22,253 | $1,878 | $1,878 |
| USAA | $1,121 | $1,121 | $1,012 | $1,012 | $3,370 | $3,370 | $1,487 | $1,487 |
How much do teen drivers pay for car insurance in Fredericksburg, PA?
Fredericksburg, Pennsylvania car insurance rates for teens are often higher than rates for other drivers. Compare Fredericksburg car insurance rates from multiple Fredericksburg, Pennsylvania car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,654 | $7,654 |
| Geico | $4,711 | $4,086 |
| Liberty Mutual | $10,759 | $10,759 |
| Nationwide | $5,125 | $5,125 |
| Progressive | $8,430 | $8,430 |
| State Farm | $5,485 | $5,485 |
| Travelers | $22,253 | $22,253 |
| USAA | $3,370 | $3,370 |
How much do senior drivers pay for car insurance in Fredericksburg, PA?
With a little research, seniors can find affordable car insurance in Fredericksburg, Pennsylvania. Here’s a look at how the top Fredericksburg car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,134 | $2,134 |
| Geico | $1,765 | $1,530 |
| Liberty Mutual | $3,363 | $3,363 |
| Nationwide | $1,724 | $1,724 |
| Progressive | $2,328 | $2,328 |
| State Farm | $1,361 | $1,361 |
| Travelers | $1,679 | $1,679 |
| USAA | $1,012 | $1,012 |
How does coverage level affect Fredericksburg, PA car insurance rates?
How much coverage do you need? Are you comfortable with the Pennsylvania minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Fredericksburg, PA car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,507 | $3,686 | $3,798 |
| Geico | $2,210 | $2,419 | $2,566 |
| Liberty Mutual | $5,367 | $5,653 | $5,828 |
| Nationwide | $2,702 | $2,712 | $2,623 |
| Progressive | $3,835 | $4,212 | $4,479 |
| State Farm | $2,357 | $2,554 | $2,655 |
| Travelers | $6,974 | $6,838 | $6,714 |
| USAA | $1,627 | $1,763 | $1,852 |
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How does your driving record affect Fredericksburg, PA car insurance rates?
Safe driving pays off. The more traffic violations you have in Fredericksburg, PA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Fredericksburg, Pennsylvania companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,509 | $4,130 | $3,509 | $3,509 |
| Geico | $1,769 | $3,005 | $2,370 | $2,451 |
| Liberty Mutual | $5,138 | $5,855 | $5,735 | $5,735 |
| Nationwide | $1,930 | $2,583 | $3,610 | $2,592 |
| Progressive | $3,786 | $5,232 | $3,892 | $3,791 |
| State Farm | $2,310 | $2,734 | $2,522 | $2,522 |
| Travelers | $4,855 | $6,912 | $8,689 | $6,912 |
| USAA | $1,407 | $1,941 | $2,069 | $1,572 |
How does a DUI affect Fredericksburg, PA car insurance rates?
With even one DUI on your record, you can see an increase in your Fredericksburg, PA car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,509 |
| Geico | $2,370 |
| Liberty Mutual | $5,735 |
| Nationwide | $3,610 |
| Progressive | $3,892 |
| State Farm | $2,522 |
| Travelers | $8,689 |
| USAA | $2,069 |
How does your credit history affect Fredericksburg, PA car insurance rates?
Take a look at the data here to see how your Fredericksburg, Pennsylvania car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,688 | $3,490 | $2,814 |
| Geico | $3,597 | $2,029 | $1,570 |
| Liberty Mutual | $7,169 | $5,140 | $4,538 |
| Nationwide | $3,144 | $2,584 | $2,308 |
| Progressive | $5,527 | $3,881 | $3,117 |
| State Farm | $3,586 | $2,223 | $1,756 |
| Travelers | $7,442 | $6,724 | $6,360 |
| USAA | $2,180 | $1,623 | $1,439 |
How does your commute affect Fredericksburg, PA car insurance rates?
Fredericksburg, PA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Pennsylvania can be seen here. Remember, though, that you may have to carry substantially more car insurance in Fredericksburg if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,592 | $3,736 |
| Geico | $2,359 | $2,439 |
| Liberty Mutual | $5,472 | $5,760 |
| Nationwide | $2,679 | $2,679 |
| Progressive | $4,175 | $4,175 |
| State Farm | $2,448 | $2,596 |
| Travelers | $6,842 | $6,842 |
| USAA | $1,697 | $1,797 |
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Who has the cheapest Fredericksburg, PA car insurance rates?
Here’s a breakdown of Fredericksburg, Pennsylvania car insurance rates by company. You can see which company offers the cheapest Fredericksburg car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
What are the top Fredericksburg, PA car insurance companies?
Which Fredericksburg, Pennsylvania car insurance company will best fit your needs and budget? Check out this comparison of the top Fredericksburg companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,664 |
| Geico | $2,399 |
| Liberty Mutual | $5,616 |
| Nationwide | $2,679 |
| Progressive | $4,175 |
| State Farm | $2,522 |
| Travelers | $6,842 |
| USAA | $1,747 |
What factors affect Fredericksburg, PA car insurance rates?
Why are Fredericksburg, Pennsylvania car insurance rates different than rates in Harrisburg or Bethlehem? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
How long is the average commute in Fredericksburg, PA?
More time spent behind the wheel can lead to higher Fredericksburg, Pennsylvania car insurance rates. In Fredericksburg, PA, the average commute length is 27.7 minutes.
What is the traffic like in Fredericksburg, PA
Like commute length, time spent in traffic also increase risk of accidents. Fredericksburg, PA is listed as 723rd in INRIX congested cities data.
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Car Insurance Quotes for Fredericksburg, PA
Shop for affordable Fredericksburg, Pennsylvania car insurance rates today. Enter your ZIP code to compare quotes from multiple Fredericksburg, PA car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.