Cheapest Car Insurance Quotes in Lime Ridge

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Lime Ridge Car Insurance

^$ 11

/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 Lime Ridge

The car insurance rate in Lime Ridge is $693 for a six-month policy, which is $94 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Lime Ridge 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 Lime Ridge

$693

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Lime Ridge

1st place: AutoOwners Insurance Co

At $324 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners

AutoOwners offers auto insurance rates at $334 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National P&C

American National P&C offers auto insurance rates at $450 for six months, making it the third cheapest auto insurance company in Lime Ridge.

Lime Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lime Ridge, PA is AutoOwners Insurance Co, offering policies at just $324 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $334.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1181 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lime Ridge drivers find the best deals.

Cheap Car Insurance Companies in Lime Ridge, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$54
Auto-Owners	$334	$57
American National P&C	$450	$75
Travelers	$486	$82
Westfield	$539	$90
Erie	$706	$119
State Farm	$737	$124
Nationwide	$758	$128
Encompass	$857	$143
Allstate	$930	$157
USAA	$1014	$171
Progressive	$1181	$199

Key Takeaways

Way's key takeaways about car insurance in Lime Ridge

The auto insurance costs in Lime Ridge fall around $324 for six months.
The cheapest auto insurance company in Lime Ridge is AutoOwners.
Teen drivers pay the highest rate in Lime Ridge at $551 per month.

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

Cheapest Minimum Liability Car Insurance in Lime Ridge

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 Lime Ridge are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Lime Ridge. Their Average 6 Month Premium is $68. Allstate is the most expensive at $434 for the same period.

Cheapest Liability Coverage in Lime Ridge, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$68	$11
Westfield	$126	$21
Auto-Owners Insurance Co	$131	$22
Travelers	$157	$26
Erie	$167	$28
American National P&C	$172	$29
Chubb	$183	$31
State Farm	$219	$37
USAA	$219	$37
Progressive	$235	$40
Nationwide	$272	$45
Allstate	$434	$74

Cheapest Full Coverage Car Insurance in Lime Ridge

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 Lime Ridge is AutoOwners Insurance Co at $54 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lime Ridge, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$54
Auto-Owners	$334	$57
American National P&C	$450	$75
Travelers	$486	$82
Westfield	$539	$90
Erie	$706	$119
State Farm	$737	$124
Nationwide	$758	$128
Encompass	$857	$143
Allstate	$930	$157
USAA	$1014	$171
Progressive	$1181	$199

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Average Car Insurance in Lime Ridge 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 Lime Ridge, PA increasing?

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

Car Insurance Premiums by Age in Lime Ridge

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$496
30s	Travelers	$343
40s	Travelers	$323
50s	Travelers	$309
60s	Travelers	$309
70s	Travelers	$363

Cheapest Car Insurance Rates for Teen Drivers in Lime Ridge,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lime Ridge at $22 per month. At $3241 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$131	$22
Auto-Owners Insurance Co	$151	$26
American National P&C	$199	$33
Chubb	$219	$37
Travelers	$627	$106
Erie	$768	$129
State Farm	$1051	$177
USAA	$1380	$230
Allstate	$2310	$392
Progressive	$3199	$533
Nationwide	$3241	$551

Teen Car Insurance Rates in PA by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Lime Ridge.

As young drivers face the highest rates in Lime Ridge, Travelers offers the cheapest auto insurance rates at $496 for six months.

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 Lime Ridge, Westfield is the cheapest car insurance provider. At $204 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 Lime Ridge is State Farm, offering rates of around $2807 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$204	$34
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
American National P&C	$277	$48
USAA	$795	$132
Nationwide	$805	$136
Erie	$1280	$214
Travelers	$1453	$247
Allstate	$1955	$326
Progressive	$2153	$366
State Farm	$2807	$468

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Save up to $971/yr on car insurance rates in Lime Ridge.

Car Insurance Rates with An Accident in Lime Ridge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lime Ridge

The cheapest car insurance companies after an at-fault accident in Lime Ridge include AutoOwners and Westfield, offering $68 and $183, respectively. Allstate is an expensive provider with an average six-month premium of $1192.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$68	$11
Westfield	$183	$31
Donegal	$204	$34
Auto-Owners Insurance Co	$209	$35
Chubb	$246	$41
American National P&C	$251	$42
Erie	$313	$53
Travelers	$377	$63
State Farm	$387	$65
USAA	$685	$115
Progressive	$737	$124
Nationwide	$972	$162
Allstate	$1192	$202

Lime Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lime Ridge PA. For example, the car insurance in Lime Ridge after a DUI increases to $878 for a six month policy. While the rate increases by $967 for a six-month policy in the case of a speeding ticket.

Lime Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$967	$161
Cell phone violation	$1129	$192
Failure to wear a seat belt	$1129	$188
Failure to stop at a red light	$1140	$194
Illegal turn	$1140	$190
Improper passing	$1140	$194
Speeding in school zone	$1140	$190
Texting while driving	$1140	$194
Driving with expired registration	$1145	$191
Speeding 16 - 20 MPH over limit	$1145	$194
Wrong way/wrong lane	$1155	$193
Open container	$1223	$208
Reckless driving	$1783	$297
Racing	$1814	$308
DUI	$1845	$307
Driving with a suspended license	$1856	$316
Leaving scene of an accident/hit and run	$1872	$312

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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 Lime Ridge 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 Lime Ridge.

The cheapest car insurance premiums in Lime Ridge are offered by American National P&C at $282 for a six-month policy. However, it can be as expensive as $2190 with companies like Nationwide.

Lime Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$282	$47
Travelers	$444	$75
Erie	$658	$111
Allstate	$841	$142
Progressive	$889	$150
State Farm	$894	$150
USAA	$935	$158
Nationwide	$2190	$369

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 Lime Ridge are offered by Westfield at $110. However, it can be as expensive as $1417 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Lime Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$110	$18
Auto-Owners Insurance Co	$141	$24
Erie	$402	$68
Travelers	$402	$68
State Farm	$460	$77
USAA	$889	$151
Allstate	$1192	$199
Progressive	$1265	$215
Nationwide	$1417	$236

Car Insurance Price Trends in Lime Ridge, Pennsylvania

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

The average cost of full coverage in the Lime Ridge rose by $147 in December compared to $142 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Lime Ridge remained steady at $33 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lime Ridge?

The car insurance in Lime Ridge is $11 per month, which is lower than the national average.

What is the cheapest car insurance in Lime Ridge?

The cheapest car insurance in Lime Ridge is $54 per month for full coverage.

How much is car insurance in Lime Ridge for teenagers?

Car insurance for teenagers costs $131 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 Lime Ridge?

The average cost of car insurance is $787 for a six-month policy. It will cost around $116 per month to insure your car in Lime Ridge.

Is car insurance expensive in Lime Ridge?

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

Cheapest Car Insurance Quotes in Lime Ridge

Why you can trust Way?

How Much Is Car Insurance in Lime Ridge

Avg. Car Insurance in Lime Ridge

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Lime Ridge

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Lime Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Lime Ridge, PA

Way's key takeaways about car insurance in Lime Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lime Ridge

Cheapest Liability Coverage in Lime Ridge, PA

Cheapest Full Coverage Car Insurance in Lime Ridge

Cheapest Full Coverage Car Insurance Quotes in Lime Ridge, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lime Ridge by Rating Factor

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

Car Insurance Premiums by Age in Lime Ridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lime Ridge,PA

If you are in your twenties Travelers is the best choice for car insurance in Lime Ridge.

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 Lime Ridge

Cheapest Car Insurance Companies after an At-Fault Accident in Lime Ridge

Lime Ridge Car Insurance Rates by Violation

Lime Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lime Ridge after a DUI

Lime Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lime Ridge after Speeding ticket

Car Insurance Price Trends in Lime Ridge, Pennsylvania

Average Car Insurance Cost in Lime Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lime Ridge, PA

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

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