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Lima Car Insurance
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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.
The car insurance rate in Lima is $913 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Lima 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.
At $427 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
AutoOwners offers auto insurance rates at $441 for a six-month policy, making it one of the cheapest to insure with.
American National P&C offers auto insurance rates at $593 for six months, making it the third cheapest auto insurance company in Lima.
Based on our research, the cheapest car insurance company in Lima, PA is AutoOwners Insurance Co, offering policies at just $427 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $441.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1557 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lima drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $427 | $71 |
| Auto-Owners | $441 | $75 |
| American National P&C | $593 | $99 |
| Travelers | $640 | $108 |
| Westfield | $710 | $118 |
| Erie | $930 | $157 |
| State Farm | $972 | $164 |
| Nationwide | $999 | $168 |
| Encompass | $1130 | $188 |
| Allstate | $1226 | $206 |
| USAA | $1336 | $225 |
| Progressive | $1557 | $262 |
Save up to $971/yr with our auto insurance quotes
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 Lima are given below.
AutoOwners provides the cheapest minimum car insurance coverage in Lima. Their Average 6 Month Premium is $89. Allstate is the most expensive at $572 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $89 | $15 |
| Westfield | $166 | $28 |
| Auto-Owners Insurance Co | $173 | $29 |
| Travelers | $206 | $35 |
| Erie | $220 | $37 |
| American National P&C | $227 | $38 |
| Chubb | $241 | $41 |
| State Farm | $289 | $49 |
| USAA | $289 | $49 |
| Progressive | $310 | $52 |
| Nationwide | $358 | $59 |
| Allstate | $572 | $97 |
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 Lima is AutoOwners Insurance Co at $71 per month and $427 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $427 | $71 |
| Auto-Owners | $441 | $75 |
| American National P&C | $593 | $99 |
| Travelers | $640 | $108 |
| Westfield | $710 | $118 |
| Erie | $930 | $157 |
| State Farm | $972 | $164 |
| Nationwide | $999 | $168 |
| Encompass | $1130 | $188 |
| Allstate | $1226 | $206 |
| USAA | $1336 | $225 |
| Progressive | $1557 | $262 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Lima, 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, Lima's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Travelers | $654 |
| 30s | Travelers | $452 |
| 40s | Travelers | $426 |
| 50s | Travelers | $407 |
| 60s | Travelers | $407 |
| 70s | Travelers | $479 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lima at $29 per month. At $4272 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $173 | $29 |
| Auto-Owners Insurance Co | $200 | $34 |
| American National P&C | $262 | $44 |
| Chubb | $289 | $49 |
| Travelers | $827 | $139 |
| Erie | $1013 | $171 |
| State Farm | $1385 | $233 |
| USAA | $1819 | $303 |
| Allstate | $3045 | $517 |
| Progressive | $4217 | $703 |
| Nationwide | $4272 | $726 |
Teen Car Insurance Rates in PA by Age
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.
For those with poor credit scores in Lima, Westfield is the cheapest car insurance provider. At $269 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 Lima is State Farm, offering rates of around $3700 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $269 | $45 |
| Auto-Owners Insurance Co | $276 | $46 |
| Chubb | $324 | $55 |
| American National P&C | $365 | $63 |
| USAA | $1047 | $174 |
| Nationwide | $1061 | $179 |
| Erie | $1688 | $282 |
| Travelers | $1915 | $326 |
| Allstate | $2578 | $429 |
| Progressive | $2839 | $483 |
| State Farm | $3700 | $617 |
Save up to $971/yr on car insurance rates in Lima.
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 Lima, PA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Lima include AutoOwners and Westfield, offering $89 and $241, respectively. Allstate is an expensive provider with an average six-month premium of $1571.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $89 | $15 |
| Westfield | $241 | $41 |
| Donegal | $269 | $45 |
| Auto-Owners Insurance Co | $276 | $46 |
| Chubb | $324 | $55 |
| American National P&C | $331 | $56 |
| Erie | $413 | $70 |
| Travelers | $496 | $84 |
| State Farm | $510 | $86 |
| USAA | $902 | $152 |
| Progressive | $972 | $164 |
| Nationwide | $1282 | $213 |
| Allstate | $1571 | $267 |
Here is a list of driving violations that can increase your car insurance rates in Lima PA. For example, the car insurance in Lima after a DUI increases to $1158 for a six month policy. While the rate increases by $1275 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1275 | $212 |
| Cell phone violation | $1488 | $253 |
| Failure to wear a seat belt | $1488 | $248 |
| Failure to stop at a red light | $1502 | $255 |
| Illegal turn | $1502 | $251 |
| Improper passing | $1502 | $255 |
| Speeding in school zone | $1502 | $251 |
| Texting while driving | $1502 | $255 |
| Driving with expired registration | $1509 | $252 |
| Speeding 16 - 20 MPH over limit | $1509 | $256 |
| Wrong way/wrong lane | $1523 | $254 |
| Open container | $1612 | $274 |
| Reckless driving | $2350 | $392 |
| Racing | $2391 | $406 |
| DUI | $2433 | $405 |
| Driving with a suspended license | $2446 | $416 |
| Leaving scene of an accident/hit and run | $2467 | $411 |
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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.
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 Lima.
The cheapest car insurance premiums in Lima are offered by American National P&C at $372 for a six-month policy. However, it can be as expensive as $2887 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $372 | $61 |
| Travelers | $586 | $99 |
| Erie | $868 | $146 |
| Allstate | $1109 | $187 |
| Progressive | $1172 | $197 |
| State Farm | $1179 | $198 |
| USAA | $1233 | $208 |
| Nationwide | $2887 | $486 |
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 Lima are offered by Westfield at $145. However, it can be as expensive as $1868 with companies like Nationwide for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $145 | $24 |
| Auto-Owners Insurance Co | $186 | $31 |
| Erie | $530 | $89 |
| Travelers | $530 | $89 |
| State Farm | $607 | $102 |
| USAA | $1172 | $200 |
| Allstate | $1571 | $262 |
| Progressive | $1667 | $283 |
| Nationwide | $1868 | $311 |
Car insurance rates in Lima have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lima rose by $194 in December compared to $187 of November. In other words, there has been an increase by $7 when you compare December and November.
The average cost of liability insurance in the Lima remained steady at $43 in both December and November, indicating no change over the two month period.
How much is car insurance in Lima?
The car insurance in Lima is $15 per month, which is lower than the national average.
What is the cheapest car insurance in Lima?
The cheapest car insurance in Lima is $71 per month for full coverage.
How much is car insurance in Lima for teenagers?
Car insurance for teenagers costs $173 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 Lima?
The average cost of car insurance is $787 for a six-month policy. It will cost around $153 per month to insure your car in Lima.
Is car insurance expensive in Lima?
Car insurance can be expensive in Lima if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lima can be affordable.
What is the best car insurance in Lima, PA?
The best car insurance company in Lima PA is AutoOwners Insurance Co, offering $427 for a six-month policy.
Cut auto insurance costs in Lima right now.