Cheapest Car Insurance Quotes in Camp Hill

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Camp Hill Car Insurance

^$ 20

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Camp Hill

The car insurance rate in Camp Hill is $691 for a six-month policy, which is $122 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $313, making it a popular choice for budget-conscious drivers. Rates in Camp Hill can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Camp Hill

$691

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Camp Hill

1st place: AutoOwners Insurance Co

At $313 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $434 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $520 for six months, making it the third cheapest auto insurance company in Camp Hill.

Camp Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Camp Hill, PA is AutoOwners Insurance Co, offering policies at just $313 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $434.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $828 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Camp Hill drivers find the best deals.

Cheap Car Insurance Companies in Camp Hill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$313	$52
American National P&C	$434	$74
Westfield	$520	$87
Travelers	$560	$94
Erie	$682	$115
Nationwide	$793	$133
State Farm	$808	$136
Allstate	$898	$151
USAA	$955	$161
Progressive	$1187	$200
Auto-Owners	$323	$55
Encompass	$828	$138

Key Takeaways

Way's key takeaways about car insurance in Camp Hill

The auto insurance costs in Camp Hill fall around $313 for six months.
The cheapest auto insurance company in Camp Hill is Westfield.
Teen drivers pay the highest rate in Camp Hill at $618 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Camp Hill

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Camp Hill are given below.

Westfield provides the cheapest minimum car insurance coverage in Camp Hill. Their Average 6 Month Premium is $122. AutoOwners is the most expensive at $65 for the same period.

Cheapest Liability Coverage in Camp Hill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$122	$20
Auto-Owners Insurance Co	$127	$21
Erie	$162	$27
American National P&C	$167	$28
Chubb	$177	$30
Travelers	$187	$31
USAA	$222	$37
State Farm	$232	$39
Nationwide	$298	$50
Progressive	$338	$57
Allstate	$455	$77
Auto-Owners	$65	$11

Cheapest Full Coverage Car Insurance in Camp Hill

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Camp Hill is AutoOwners Insurance Co at $52 per month and $313 for six months.

Cheapest Full Coverage Car Insurance Quotes in Camp Hill, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$313	$52
American National P&C	$434	$74
Westfield	$520	$87
Travelers	$560	$94
Erie	$682	$115
Nationwide	$793	$133
State Farm	$808	$136
Allstate	$898	$151
USAA	$955	$161
Progressive	$1187	$200
Auto-Owners	$323	$55
Encompass	$828	$138

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Average Car Insurance in Camp Hill by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Camp Hill, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Camp Hill, Pennsylvania, may be increasing due to several external factors. Pennsylvania has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Camp Hill's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Camp Hill

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Camp Hill,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Camp Hill at $21 per month. At $3706 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$127	$21
Auto-Owners Insurance Co	$146	$25
American National P&C	$192	$32
Chubb	$212	$36
Erie	$869	$146
Travelers	$1000	$168
State Farm	$1439	$242
USAA	$1681	$286
Allstate	$2191	$366
Progressive	$2196	$373
Nationwide	$3706	$618

Teen Car Insurance Rates in PA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Camp Hill, Westfield is the cheapest car insurance provider. At $197 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Camp Hill is State Farm, offering rates of around $4029 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$197	$33
Auto-Owners Insurance Co	$202	$34
Chubb	$237	$40
American National P&C	$268	$46
USAA	$864	$144
Nationwide	$898	$151
Erie	$1575	$263
Allstate	$1898	$323
Travelers	$2070	$345
Progressive	$2313	$394
State Farm	$4029	$672

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Save up to $971/yr on car insurance rates in Camp Hill.

Car Insurance Rates with An Accident in Camp Hill

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Camp Hill, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Camp Hill

The cheapest car insurance companies after an at-fault accident in Camp Hill include Westfield and AutoOwners Insurance Co, offering $177 and $202, respectively. Donegal is an expensive provider with an average six-month premium of $197.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$177	$30
Auto-Owners Insurance Co	$202	$34
Chubb	$237	$40
American National P&C	$242	$41
Erie	$404	$68
State Farm	$469	$79
Travelers	$560	$94
USAA	$727	$122
Nationwide	$1116	$190
Allstate	$1151	$192
Progressive	$1363	$232
Auto-Owners	$65	$11
Donegal	$197	$33

Camp Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Camp Hill PA. For example, the car insurance in Camp Hill after a DUI increases to $848 for a six month policy. While the rate increases by $934 for a six-month policy in the case of a speeding ticket.

Camp Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$934	$156
Cell phone violation	$1091	$185
Failure to wear a seat belt	$1091	$182
Failure to stop at a red light	$1101	$187
Illegal turn	$1101	$184
Improper passing	$1101	$187
Speeding in school zone	$1101	$184
Texting while driving	$1101	$187
Driving with expired registration	$1106	$184
Speeding 16 - 20 MPH over limit	$1106	$188
Wrong way/wrong lane	$1116	$186
Open container	$1182	$201
Reckless driving	$1722	$287
Racing	$1752	$298
DUI	$1782	$297
Driving with a suspended license	$1793	$305
Leaving scene of an accident/hit and run	$1808	$301

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Camp Hill after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Camp Hill.

The cheapest car insurance premiums in Camp Hill are offered by American National P&C at $273 for a six-month policy. However, it can be as expensive as $2348 with companies like Nationwide.

Camp Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$273	$45
Travelers	$586	$99
Erie	$732	$123
Allstate	$813	$137
Progressive	$888	$150
State Farm	$1035	$174
USAA	$1040	$175
Nationwide	$2348	$395

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Camp Hill are offered by Westfield at $106. However, it can be as expensive as $1636 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Camp Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$106	$18
Auto-Owners Insurance Co	$136	$23
Erie	$469	$79
State Farm	$601	$101
Travelers	$651	$110
USAA	$965	$161
Allstate	$1151	$196
Progressive	$1384	$230
Nationwide	$1636	$278

Car Insurance Price Trends in Camp Hill, Pennsylvania

Car insurance rates in Camp Hill have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Camp Hill rose by $156 in January compared to $144 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Camp Hill rose to $38 in January, compared to $32 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Camp Hill?

The car insurance in Camp Hill is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Camp Hill?

The cheapest car insurance in Camp Hill is $52 per month for full coverage.

How much is car insurance in Camp Hill for teenagers?

Car insurance for teenagers costs $127 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Camp Hill?

The average cost of car insurance is $813 for a six-month policy. It will cost around $116 per month to insure your car in Camp Hill.

Is car insurance expensive in Camp Hill?

Car insurance can be expensive in Camp Hill if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Camp Hill can be affordable.

Cheapest Car Insurance Quotes in Camp Hill

Why you can trust Way?

How Much Is Car Insurance in Camp Hill

Avg. Car Insurance in Camp Hill

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Camp Hill

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Camp Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Camp Hill, PA

Way's key takeaways about car insurance in Camp Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Camp Hill

Cheapest Liability Coverage in Camp Hill, PA

Cheapest Full Coverage Car Insurance in Camp Hill

Cheapest Full Coverage Car Insurance Quotes in Camp Hill, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Camp Hill by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Camp Hill, PA increasing?

Car Insurance Premiums by Age in Camp Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Camp Hill,PA

If you are in your twenties N/A is the best choice for car insurance in Camp Hill.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Camp Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Camp Hill

Camp Hill Car Insurance Rates by Violation

Camp Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Camp Hill after a DUI

Camp Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Camp Hill after Speeding ticket

Car Insurance Price Trends in Camp Hill, Pennsylvania

Average Car Insurance Cost in Camp Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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