Cheap Quotes for Fredericksburg, PA Car Insurance (2021)

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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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • 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.

Minimum Required Car Insurance Coverage in Fredericksburg, 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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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.

Annual Car Insurance Rates by ZIP Code in Fredericksburg, Pennsylvania

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fredericksburg, Pennsylvania

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.

Annual Car Insurance Rates for Teen Drivers in Fredericksburg, Pennsylvania

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.

Annual Car Insurance Rates for Senior Drivers in Fredericksburg, Pennsylvania

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.

Annual Car Insurance Rates by Coverage Level in Fredericksburg, Pennsylvania

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.

Annual Fredericksburg, Pennsylvania Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Fredericksburg, Pennsylvania

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.

Annual Car Insurance Rates by Credit Score in Fredericksburg, Pennsylvania

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.

Annual Car Insurance Rates by Commute Length in Fredericksburg, Pennsylvania

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.

Best Annual Car Insurance Rates by Company in Fredericksburg, Pennsylvania

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.

Average Annual Car Insurance Rates by Company in Fredericksburg, Pennsylvania

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

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