Cheapest Car Insurance Quotes in Shippensburg University

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Shippensburg University 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 Shippensburg University

The car insurance rate in Shippensburg University 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 Shippensburg University 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 Shippensburg University

$637

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Shippensburg University

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 Shippensburg University.

Shippensburg University Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shippensburg University, 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 Shippensburg University drivers find the best deals.

Cheap Car Insurance Companies in Shippensburg University, 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 Shippensburg University

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

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Shippensburg University

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 Shippensburg University are given below.

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

Cheapest Liability Coverage in Shippensburg University, 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 Shippensburg University

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 Shippensburg University is AutoOwners Insurance Co at $49 per month and $298 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shippensburg University, 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 Shippensburg University 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 Shippensburg University, PA increasing?

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

Car Insurance Premiums by Age in Shippensburg University

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 Shippensburg University,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Shippensburg University 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 Shippensburg University.

As young drivers face the highest rates in Shippensburg University, 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 Shippensburg University, 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 Shippensburg University 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

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Shippensburg University.

Car Insurance Rates with An Accident in Shippensburg University

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

Cheapest Car Insurance Companies after an At-Fault Accident in Shippensburg University

The cheapest car insurance companies after an at-fault accident in Shippensburg University 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

Shippensburg University Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shippensburg University PA. For example, the car insurance in Shippensburg University 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.

Shippensburg University 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 Shippensburg University 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 Shippensburg University.

The cheapest car insurance premiums in Shippensburg University 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.

Shippensburg University 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 Shippensburg University 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 Shippensburg University 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 Shippensburg University, Pennsylvania

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

The average cost of full coverage in the Shippensburg University 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 Shippensburg University 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 Shippensburg University?

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

What is the cheapest car insurance in Shippensburg University?

The cheapest car insurance in Shippensburg University is $49 per month for full coverage.

How much is car insurance in Shippensburg University 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 Shippensburg University?

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 Shippensburg University.

Is car insurance expensive in Shippensburg University?

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

Cheapest Car Insurance Quotes in Shippensburg University

Why you can trust Way?

How Much Is Car Insurance in Shippensburg University

Avg. Car Insurance in Shippensburg University

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Shippensburg University

1st place: AutoOwners Insurance Co

2nd place: AutoOwners

3rd place: American National P&C

Shippensburg University Car Insurance Rates by Company

Cheap Car Insurance Companies in Shippensburg University, PA

Way's key takeaways about car insurance in Shippensburg University

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shippensburg University

Cheapest Liability Coverage in Shippensburg University, PA

Cheapest Full Coverage Car Insurance in Shippensburg University

Cheapest Full Coverage Car Insurance Quotes in Shippensburg University, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shippensburg University by Rating Factor

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

Car Insurance Premiums by Age in Shippensburg University

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shippensburg University,PA

If you are in your twenties Travelers is the best choice for car insurance in Shippensburg University.

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 Shippensburg University

Cheapest Car Insurance Companies after an At-Fault Accident in Shippensburg University

Shippensburg University Car Insurance Rates by Violation

Shippensburg University auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shippensburg University after a DUI

Shippensburg University car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shippensburg University after Speeding ticket

Car Insurance Price Trends in Shippensburg University, Pennsylvania

Average Car Insurance Cost in Shippensburg University by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shippensburg University, PA

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

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