Cheapest Car Insurance Quotes in Lansdowne

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Lansdowne Car Insurance

^$ 40

/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 Lansdowne

The car insurance rate in Lansdowne is $1366 for a six-month policy, which is $553 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $618, making it a popular choice for budget-conscious drivers. Rates in Lansdowne 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 Lansdowne

$1366

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Lansdowne

1st place: AutoOwners Insurance Co

At $618 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 $858 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $1028 for six months, making it the third cheapest auto insurance company in Lansdowne.

Lansdowne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lansdowne, PA is AutoOwners Insurance Co, offering policies at just $618 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $858.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1636 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lansdowne drivers find the best deals.

Cheap Car Insurance Companies in Lansdowne, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$618	$102
American National P&C	$858	$146
Westfield	$1028	$171
Travelers	$1107	$186
Erie	$1347	$227
Nationwide	$1567	$264
State Farm	$1596	$269
Allstate	$1776	$299
USAA	$1887	$318
Progressive	$2345	$395
Auto-Owners	$638	$109
Encompass	$1636	$272

Key Takeaways

Way's key takeaways about car insurance in Lansdowne

The auto insurance costs in Lansdowne fall around $618 for six months.
The cheapest auto insurance company in Lansdowne is Westfield.
Teen drivers pay the highest rate in Lansdowne at $1221 per month.

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Cheapest Minimum Liability Car Insurance in Lansdowne

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 Lansdowne are given below.

Westfield provides the cheapest minimum car insurance coverage in Lansdowne. Their Average 6 Month Premium is $240. AutoOwners is the most expensive at $129 for the same period.

Cheapest Liability Coverage in Lansdowne, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$240	$40
Auto-Owners Insurance Co	$250	$42
Erie	$319	$54
American National P&C	$329	$55
Chubb	$349	$59
Travelers	$370	$62
USAA	$438	$74
State Farm	$459	$77
Nationwide	$588	$99
Progressive	$669	$113
Allstate	$899	$151
Auto-Owners	$129	$22

Cheapest Full Coverage Car Insurance in Lansdowne

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 Lansdowne is AutoOwners Insurance Co at $102 per month and $618 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lansdowne, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$618	$102
American National P&C	$858	$146
Westfield	$1028	$171
Travelers	$1107	$186
Erie	$1347	$227
Nationwide	$1567	$264
State Farm	$1596	$269
Allstate	$1776	$299
USAA	$1887	$318
Progressive	$2345	$395
Auto-Owners	$638	$109
Encompass	$1636	$272

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Average Car Insurance in Lansdowne 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 Lansdowne, PA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lansdowne, 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, Lansdowne's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lansdowne

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 Lansdowne,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lansdowne at $42 per month. At $7325 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$250	$42
Auto-Owners Insurance Co	$289	$49
American National P&C	$380	$64
Chubb	$418	$71
Erie	$1717	$289
Travelers	$1976	$333
State Farm	$2844	$479
USAA	$3323	$564
Allstate	$4331	$722
Progressive	$4341	$738
Nationwide	$7325	$1221

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 Lansdowne, Westfield is the cheapest car insurance provider. At $390 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 Lansdowne is State Farm, offering rates of around $7963 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$390	$66
Auto-Owners Insurance Co	$400	$67
Chubb	$469	$79
American National P&C	$529	$91
USAA	$1707	$284
Nationwide	$1776	$299
Erie	$3113	$519
Allstate	$3751	$638
Travelers	$4091	$682
Progressive	$4571	$778
State Farm	$7963	$1327

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Car Insurance Rates with An Accident in Lansdowne

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 Lansdowne, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lansdowne

The cheapest car insurance companies after an at-fault accident in Lansdowne include Westfield and AutoOwners Insurance Co, offering $349 and $400, respectively. Donegal is an expensive provider with an average six-month premium of $390.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$349	$59
Auto-Owners Insurance Co	$400	$67
Chubb	$469	$79
American National P&C	$479	$81
Erie	$798	$134
State Farm	$927	$156
Travelers	$1107	$186
USAA	$1436	$242
Nationwide	$2206	$375
Allstate	$2275	$380
Progressive	$2695	$459
Auto-Owners	$129	$22
Donegal	$390	$66

Lansdowne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lansdowne PA. For example, the car insurance in Lansdowne after a DUI increases to $1677 for a six month policy. While the rate increases by $1846 for a six-month policy in the case of a speeding ticket.

Lansdowne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1846	$307
Cell phone violation	$2155	$366
Failure to wear a seat belt	$2155	$360
Failure to stop at a red light	$2176	$370
Illegal turn	$2176	$363
Improper passing	$2176	$370
Speeding in school zone	$2176	$363
Texting while driving	$2176	$370
Driving with expired registration	$2186	$365
Speeding 16 - 20 MPH over limit	$2186	$371
Wrong way/wrong lane	$2206	$368
Open container	$2335	$396
Reckless driving	$3404	$568
Racing	$3462	$588
DUI	$3523	$586
Driving with a suspended license	$3543	$603
Leaving scene of an accident/hit and run	$3573	$595

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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 Lansdowne 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 Lansdowne.

The cheapest car insurance premiums in Lansdowne are offered by American National P&C at $539 for a six-month policy. However, it can be as expensive as $4640 with companies like Nationwide.

Lansdowne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$539	$89
Travelers	$1158	$195
Erie	$1446	$244
Allstate	$1606	$270
Progressive	$1756	$296
State Farm	$2046	$344
USAA	$2056	$346
Nationwide	$4640	$781

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 Lansdowne are offered by Westfield at $210. However, it can be as expensive as $3234 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Lansdowne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$210	$35
Auto-Owners Insurance Co	$269	$45
Erie	$927	$156
State Farm	$1188	$200
Travelers	$1287	$217
USAA	$1907	$318
Allstate	$2275	$386
Progressive	$2735	$455
Nationwide	$3234	$549

Car Insurance Price Trends in Lansdowne, Pennsylvania

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

The average cost of full coverage in the Lansdowne rose by $307 in January compared to $284 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Lansdowne rose to $76 in January, compared to $64 in December. This represents an increase of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lansdowne?

The car insurance in Lansdowne is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Lansdowne?

The cheapest car insurance in Lansdowne is $102 per month for full coverage.

How much is car insurance in Lansdowne for teenagers?

Car insurance for teenagers costs $250 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 Lansdowne?

The average cost of car insurance is $813 for a six-month policy. It will cost around $228 per month to insure your car in Lansdowne.

Is car insurance expensive in Lansdowne?

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

Cheapest Car Insurance Quotes in Lansdowne

Why you can trust Way?

How Much Is Car Insurance in Lansdowne

Avg. Car Insurance in Lansdowne

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Lansdowne

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Lansdowne Car Insurance Rates by Company

Cheap Car Insurance Companies in Lansdowne, PA

Way's key takeaways about car insurance in Lansdowne

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lansdowne

Cheapest Liability Coverage in Lansdowne, PA

Cheapest Full Coverage Car Insurance in Lansdowne

Cheapest Full Coverage Car Insurance Quotes in Lansdowne, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lansdowne by Rating Factor

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

Car Insurance Premiums by Age in Lansdowne

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lansdowne,PA

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

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 Lansdowne

Cheapest Car Insurance Companies after an At-Fault Accident in Lansdowne

Lansdowne Car Insurance Rates by Violation

Lansdowne auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lansdowne after a DUI

Lansdowne car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lansdowne after Speeding ticket

Car Insurance Price Trends in Lansdowne, Pennsylvania

Average Car Insurance Cost in Lansdowne by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lansdowne, PA

Car Insurance Rates by State in the USA (2025 Update)

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