Cumberland County Auto Insurance Rates, Quotes, Agents & Reviews in PA

Cumberland County, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cumberland County, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Cumberland County, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Cumberland County, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cumberland County, PA with that of other cities in and around Cumberland County.

Cumberland County Carlisle West Pennsboro Dickinson Lower Frankford Mount Holly Springs
Average Insurance Rates $1,460 $1,445 $1,445 $1,494 $1,452 $1,410

Cumberland County, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cumberland County, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cumberland County $1,581 $1,335
Carlisle $1,676 $1,415
West Pennsboro $2,912 $2,459
Dickinson $1,178 $995
Lower Frankford $1,496 $1,263
South Middleton $1,515 $1,280
Mount Holly Springs $1,055 $891
North Middleton $1,488 $1,257

Cumberland County, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cumberland County, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,737
20 Years $1,876
30 Years $1,445
40 Years $1,390
50 Years $1,287
60 Years $1,305
70 Years $1,519

Cumberland County, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cumberland County, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,482 $438
3 Vehicles $3,723 $657
4 Vehicles $4,964 $876

Savings on 2 Vehicles bundle:$438

Savings on 3 Vehicles bundle:$657

Savings on 4 Vehicles bundle:$876


Cumberland County, PA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cumberland County, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Cumberland County $1,460 $2,298
Carlisle $1,445 $2,275
West Pennsboro $1,445 $2,275
Dickinson $1,494 $2,352
Lower Frankford $1,452 $2,286
South Middleton $1,471 $2,316
Mount Holly Springs $1,410 $2,220
North Middleton $1,445 $2,275

Cumberland County, PA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,253
Excellent (740-799) $1,430
Good (670-739) $1,521
Average (580-669) $1,985
Poor (300-579) $2,381

Cumberland County, PA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Jon Fetterman State Farm 805 E High St, Carlisle, 17013-2610 717-249-4251
Gunn-Mowery Llc Travelers 650 N 12TH ST, LEMOYNE, 17043 717-761-4600
J Rodney Fickel Ins Agency In Travelers 151 W HIGH ST, CARLISLE, 17013 (717) 249-2812
Carlisle Insurance Services Liberty Mutual Independent 1 VALLEY ST STE 101, CARLISLE, 17013 717-241-5995
John Zampelli Jr State Farm 1838 Spring Road, Carlisle, 17013-1150 717-249-1592
Mel Carwile State Farm 80 Abbeyville Rd, Lancaster, 17603-4728 717-295-4537
Viper Risk Mgmt Grp Allstate 294 Martin Rd, Carlisle, 17015 (717) 386-5126
Mantz Miller Ins Allstate 1480 Delta Rd, Red Lion, 17356 (717) 244-8529
Consumers Insurance Group None 101 Good Drive, Lancaster, 17603 None

Cumberland County, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$64 $1,524
Driver's Failure In Showing Documents +$142 $1,602
Driving With An Expired Registration +$150 $1,610
Driving At A Considerably Slow Pace +$317 $1,777
Using A Cellphone While Driving +$334 $1,794
Running A Red Light +$340 $1,800
Speeding +$358 $1,818
Driving A Vehicle Without The Required Permission +$454 $1,914
Driving With An Expired/Suspended License +$984 $2,444

Cumberland County, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,402
Active Disabling Device $1,402
Tracking Device $1,372
Passive Disabling Device $1,358