Cheap Quotes for Shippensburg, PA Car Insurance (2021)

Shippensburg, Pennsylvania car insurance rates average $282 a month and Pennsylvania law requires coverage of at least 15/30/5. By comparing rates from multiple Shippensburg, PA companies, you can find cheap Shippensburg 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

  • The cheapest car insurance company in Shippensburg is USAA
  • Average car insurance rates in Shippensburg, PA for senior drivers are $1,713/year
  • Average car insurance rates in Shippensburg, PA after a DUI are $3,715/year

How do the Shippensburg, Pennsylvania monthly average car insurance rates of $282/month compare to nearby cities like Bethlehem car insurance rates, Altoona car insurance rates, and Pittsburgh car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Shippensburg, PA.

We’ll cover the Pennsylvania minimum coverage requirements, Pennsylvania car insurance laws, and Shippensburg, PA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Shippensburg, Pennsylvania companies to find the most affordable Shippensburg car insurance rates.

Enter your ZIP code above to find cheap Shippensburg, PA car insurance quotes today.

What are the minimum Shippensburg, PA car insurance requirements?

To meet Pennsylvania minimum car insurance coverage requirements, Shippensburg, PA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Shippensburg, 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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How do age, gender, and marital status affect Shippensburg, PA car insurance rates?

Three of the criteria that most affect car insurance rates in Shippensburg, Pennsylvania are age, gender, and marital status. Let’s take a look at how each of these stack up with top Shippensburg car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Shippensburg, 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 $2,101 $2,101 $1,947 $1,947 $7,082 $7,082 $2,299 $2,299
GEICO $1,686 $1,461 $1,598 $1,386 $4,250 $3,689 $1,693 $1,468
Liberty Mutual $3,176 $3,176 $2,912 $2,912 $9,227 $9,227 $4,026 $4,026
Nationwide $1,617 $1,617 $1,532 $1,532 $4,596 $4,596 $1,816 $1,816
Progressive $2,304 $2,304 $2,052 $2,052 $7,418 $7,418 $2,938 $2,938
State Farm $1,339 $1,339 $1,185 $1,185 $4,853 $4,853 $1,480 $1,480
Travelers $1,562 $1,562 $1,686 $1,686 $22,465 $22,465 $1,878 $1,878
USAA $988 $988 $894 $894 $2,977 $2,977 $1,304 $1,304

How much do teen drivers pay for car insurance in Shippensburg, PA?

Shippensburg, Pennsylvania car insurance rates for teens are often higher than rates for other drivers. Compare Shippensburg car insurance rates from multiple Shippensburg, Pennsylvania car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Shippensburg, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,082 $7,082
GEICO $4,250 $3,689
Liberty Mutual $9,227 $9,227
Nationwide $4,596 $4,596
Progressive $7,418 $7,418
State Farm $4,853 $4,853
Travelers $22,465 $22,465
USAA $2,977 $2,977

How much do senior drivers pay for car insurance in Shippensburg, PA?

With a little research, seniors can find affordable car insurance in Shippensburg, Pennsylvania. Here’s a look at how the top Shippensburg car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Shippensburg, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,947 $1,947
GEICO $1,598 $1,386
Liberty Mutual $2,912 $2,912
Nationwide $1,532 $1,532
Progressive $2,052 $2,052
State Farm $1,185 $1,185
Travelers $1,686 $1,686
USAA $894 $894

How does coverage level affect Shippensburg, 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 Shippensburg, PA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Shippensburg, Pennsylvania

Insurance Company Low Medium High
Allstate $3,187 $3,382 $3,503
GEICO $1,963 $2,175 $2,323
Liberty Mutual $4,588 $4,871 $5,046
Nationwide $2,398 $2,423 $2,349
Progressive $3,390 $3,706 $3,937
State Farm $2,060 $2,247 $2,336
Travelers $7,017 $6,893 $6,783
USAA $1,434 $1,555 $1,634

How does your driving record affect Shippensburg, PA car insurance rates?

Safe driving pays off. The more traffic violations you have in Shippensburg, PA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Shippensburg, Pennsylvania companies.

Annual Shippensburg, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,214 $3,787 $3,214 $3,214
GEICO $1,587 $2,728 $2,115 $2,185
Liberty Mutual $4,400 $5,065 $4,938 $4,938
Nationwide $1,728 $2,310 $3,214 $2,308
Progressive $3,337 $4,603 $3,431 $3,340
State Farm $2,020 $2,408 $2,214 $2,214
Travelers $4,884 $6,967 $8,773 $6,967
USAA $1,242 $1,712 $1,823 $1,386

How does a DUI affect Shippensburg, PA car insurance rates?

With even one DUI on your record, you can see an increase in your Shippensburg, PA car insurance rates.

Annual Car Insurance Rates After a DUI in Shippensburg, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,214
GEICO $2,115
Liberty Mutual $4,938
Nationwide $3,214
Progressive $3,431
State Farm $2,214
Travelers $8,773
USAA $1,823

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How does your credit history affect Shippensburg, PA car insurance rates?

Take a look at the data here to see how your Shippensburg, Pennsylvania car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Shippensburg, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,296 $3,198 $2,578
GEICO $3,224 $1,824 $1,414
Liberty Mutual $6,169 $4,426 $3,910
Nationwide $2,800 $2,308 $2,061
Progressive $4,879 $3,418 $2,737
State Farm $3,151 $1,951 $1,540
Travelers $7,501 $6,779 $6,413
USAA $1,914 $1,434 $1,275

How does your commute affect Shippensburg, PA car insurance rates?

Shippensburg, 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 Shippensburg if you’re financing.

Annual Car Insurance Rates by Commute Length in Shippensburg, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,290 $3,425
GEICO $2,120 $2,187
Liberty Mutual $4,712 $4,958
Nationwide $2,390 $2,390
Progressive $3,678 $3,678
State Farm $2,149 $2,279
Travelers $6,898 $6,898
USAA $1,497 $1,584

Who has the cheapest Shippensburg, PA car insurance rates?

Here’s a breakdown of Shippensburg, Pennsylvania car insurance rates by company. You can see which company offers the cheapest Shippensburg car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Shippensburg, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Shippensburg, PA car insurance companies?

Which Shippensburg, Pennsylvania car insurance company will best fit your needs and budget? Check out this comparison of the top Shippensburg companies to find the one for you.

Average Annual Car Insurance Rates by Company in Shippensburg, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,357
GEICO $2,154
Liberty Mutual $4,835
Nationwide $2,390
Progressive $3,678
State Farm $2,214
Travelers $6,898
USAA $1,541

What factors affect Shippensburg, PA car insurance rates?

Why are Shippensburg, Pennsylvania car insurance rates different than rates in Bethlehem or Altoona? 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 Shippensburg, PA?

More time spent behind the wheel can lead to higher Shippensburg, Pennsylvania car insurance rates. In Shippensburg, PA, the average commute length is 14.1 minutes.

Car Insurance Quotes for Shippensburg, PA

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