Cheapest Car Insurance Quotes in Lock Haven

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Lock Haven 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 Lock Haven

The car insurance rate in Lock Haven is $637 for a six-month policy, which is $150 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $298, making it a popular choice for budget-conscious drivers. Rates in Lock Haven 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 Lock Haven

$637

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Lock Haven

1st place: AutoOwners Insurance Co

At $298 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 $308 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 $414 for six months, making it the third cheapest auto insurance company in Lock Haven.

Lock Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lock Haven, PA is AutoOwners Insurance Co, offering policies at just $298 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $308.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1087 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lock Haven drivers find the best deals.

Cheap Car Insurance Companies in Lock Haven, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$298	$49
Auto-Owners	$308	$53
American National P&C	$414	$69
Travelers	$447	$75
Westfield	$496	$83
Erie	$650	$109
State Farm	$679	$114
Nationwide	$697	$117
Encompass	$789	$131
Allstate	$856	$144
USAA	$933	$157
Progressive	$1087	$183

Key Takeaways

Way's key takeaways about car insurance in Lock Haven

The auto insurance costs in Lock Haven fall around $298 for six months.
The cheapest auto insurance company in Lock Haven is AutoOwners.
Teen drivers pay the highest rate in Lock Haven at $507 per month.

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Cheapest Minimum Liability Car Insurance in Lock Haven

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 Lock Haven are given below.

AutoOwners provides the cheapest minimum car insurance coverage in Lock Haven. Their Average 6 Month Premium is $62. Allstate is the most expensive at $399 for the same period.

Cheapest Liability Coverage in Lock Haven, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$62	$11
Westfield	$116	$19
Auto-Owners Insurance Co	$121	$20
Travelers	$144	$24
Erie	$154	$26
American National P&C	$159	$27
Chubb	$168	$28
State Farm	$202	$34
USAA	$202	$34
Progressive	$216	$36
Nationwide	$250	$41
Allstate	$399	$68

Cheapest Full Coverage Car Insurance in Lock Haven

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 Lock Haven is AutoOwners Insurance Co at $49 per month and $298 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lock Haven, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$298	$49
Auto-Owners	$308	$53
American National P&C	$414	$69
Travelers	$447	$75
Westfield	$496	$83
Erie	$650	$109
State Farm	$679	$114
Nationwide	$697	$117
Encompass	$789	$131
Allstate	$856	$144
USAA	$933	$157
Progressive	$1087	$183

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Average Car Insurance in Lock Haven 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 Lock Haven, PA increasing?

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

Car Insurance Premiums by Age in Lock Haven

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	$457
30s	Travelers	$316
40s	Travelers	$297
50s	Travelers	$284
60s	Travelers	$284
70s	Travelers	$335

Cheapest Car Insurance Rates for Teen Drivers in Lock Haven,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lock Haven at $20 per month. At $2983 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$121	$20
Auto-Owners Insurance Co	$139	$23
American National P&C	$183	$31
Chubb	$202	$34
Travelers	$578	$97
Erie	$707	$119
State Farm	$967	$163
USAA	$1270	$211
Allstate	$2126	$361
Progressive	$2944	$491
Nationwide	$2983	$507

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 Lock Haven.

As young drivers face the highest rates in Lock Haven, Travelers offers the cheapest auto insurance rates at $457 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 Lock Haven, Westfield is the cheapest car insurance provider. At $188 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 Lock Haven is State Farm, offering rates of around $2584 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$188	$32
Auto-Owners Insurance Co	$193	$32
Chubb	$226	$38
American National P&C	$255	$44
USAA	$731	$122
Nationwide	$741	$125
Erie	$1179	$197
Travelers	$1337	$228
Allstate	$1800	$300
Progressive	$1982	$337
State Farm	$2584	$431

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Car Insurance Rates with An Accident in Lock Haven

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lock Haven

The cheapest car insurance companies after an at-fault accident in Lock Haven include AutoOwners and Westfield, offering $62 and $168, respectively. Allstate is an expensive provider with an average six-month premium of $1097.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$62	$11
Westfield	$168	$28
Donegal	$188	$32
Auto-Owners Insurance Co	$193	$32
Chubb	$226	$38
American National P&C	$231	$39
Erie	$288	$49
Travelers	$347	$58
State Farm	$356	$60
USAA	$630	$106
Progressive	$679	$114
Nationwide	$895	$149
Allstate	$1097	$186

Lock Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lock Haven PA. For example, the car insurance in Lock Haven after a DUI increases to $809 for a six month policy. While the rate increases by $890 for a six-month policy in the case of a speeding ticket.

Lock Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$890	$148
Cell phone violation	$1039	$177
Failure to wear a seat belt	$1039	$173
Failure to stop at a red light	$1049	$178
Illegal turn	$1049	$175
Improper passing	$1049	$178
Speeding in school zone	$1049	$175
Texting while driving	$1049	$178
Driving with expired registration	$1054	$176
Speeding 16 - 20 MPH over limit	$1054	$179
Wrong way/wrong lane	$1064	$177
Open container	$1126	$191
Reckless driving	$1641	$274
Racing	$1669	$284
DUI	$1699	$283
Driving with a suspended license	$1708	$291
Leaving scene of an accident/hit and run	$1723	$287

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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 Lock Haven 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 Lock Haven.

The cheapest car insurance premiums in Lock Haven are offered by American National P&C at $260 for a six-month policy. However, it can be as expensive as $2016 with companies like Nationwide.

Lock Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$260	$43
Travelers	$409	$69
Erie	$606	$102
Allstate	$774	$130
Progressive	$818	$138
State Farm	$823	$139
USAA	$861	$145
Nationwide	$2016	$339

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 Lock Haven are offered by Westfield at $101. However, it can be as expensive as $1304 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Lock Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$101	$17
Auto-Owners Insurance Co	$130	$22
Erie	$370	$62
Travelers	$370	$62
State Farm	$424	$71
USAA	$818	$139
Allstate	$1097	$183
Progressive	$1164	$198
Nationwide	$1304	$217

Car Insurance Price Trends in Lock Haven, Pennsylvania

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

The average cost of full coverage in the Lock Haven rose by $135 in December compared to $130 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 Lock Haven remained steady at $30 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 Lock Haven?

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

What is the cheapest car insurance in Lock Haven?

The cheapest car insurance in Lock Haven is $49 per month for full coverage.

How much is car insurance in Lock Haven for teenagers?

Car insurance for teenagers costs $121 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 Lock Haven?

The average cost of car insurance is $787 for a six-month policy. It will cost around $107 per month to insure your car in Lock Haven.

Is car insurance expensive in Lock Haven?

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

Cheapest Car Insurance Quotes in Lock Haven

Why you can trust Way?

How Much Is Car Insurance in Lock Haven

Avg. Car Insurance in Lock Haven

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Lock Haven

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Lock Haven Car Insurance Rates by Company

Cheap Car Insurance Companies in Lock Haven, PA

Way's key takeaways about car insurance in Lock Haven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lock Haven

Cheapest Liability Coverage in Lock Haven, PA

Cheapest Full Coverage Car Insurance in Lock Haven

Cheapest Full Coverage Car Insurance Quotes in Lock Haven, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lock Haven by Rating Factor

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

Car Insurance Premiums by Age in Lock Haven

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lock Haven,PA

If you are in your twenties Travelers is the best choice for car insurance in Lock Haven.

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 Lock Haven

Cheapest Car Insurance Companies after an At-Fault Accident in Lock Haven

Lock Haven Car Insurance Rates by Violation

Lock Haven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lock Haven after a DUI

Lock Haven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lock Haven after Speeding ticket

Car Insurance Price Trends in Lock Haven, Pennsylvania

Average Car Insurance Cost in Lock Haven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lock Haven, PA

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

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