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

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

Zimlon, through its research, found that car owners in Franklin 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.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Franklin 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.


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

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

Franklin County Chambersburg Scotland Letterkenny Hamilton Antrim
Average Insurance Rates $1,445 $1,430 $1,455 $1,436 $1,472 $1,467

Franklin 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 Franklin 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)
Franklin County $1,127 $952
Hamilton $1,449 $1,224
Chambersburg $1,073 $907
St. Thomas $1,362 $1,150
Guilford $1,052 $888
Antrim $1,511 $1,276
Letterkenny $2,217 $1,872
Scotland $1,341 $1,133

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

Teenagers in Franklin 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 $4,689
20 Years $1,857
30 Years $1,430
40 Years $1,376
50 Years $1,274
60 Years $1,292
70 Years $1,504

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

Car owners in Franklin 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 $2,543 $347
3 Vehicles $3,815 $520
4 Vehicles $5,086 $694

Savings on 2 Vehicles bundle:$347

Savings on 3 Vehicles bundle:$520

Savings on 4 Vehicles bundle:$694


Franklin 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 Franklin County, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Franklin County $1,445 $2,275
Hamilton $1,472 $2,317
Chambersburg $1,430 $2,251
St. Thomas $1,429 $2,249
Guilford $1,471 $2,316
Antrim $1,467 $2,309
Letterkenny $1,436 $2,260
Scotland $1,455 $2,290

Franklin 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) $1,240
Excellent (740-799) $1,415
Good (670-739) $1,506
Average (580-669) $1,964
Poor (300-579) $2,357

Franklin 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
Antrim Insurance Agency Inc Erie 169 S Antrim Way, Greencastle, 17225 None
V. Craig Campbell Allstate 454 Gateway Ave, Chambersburg, 17201 (717) 261-1933
Tracy Rush State Farm 472 Wayne Avenue, Chambersburg, 17201-3793 717-263-2340
Bell Insurance Travelers 1116 KENNEBEC DR, CHAMBERSBURG, 17201 717-264-7518
Jeffrey L Fisher Insurance Agency Inc. Erie 4502 Philadelphia Avenue, Chambersburg, 17202 None
Michael A Starr Insurance Inc. Erie 1110 Kennebec Dr, Chambersburg, 17201 None
Reilly Insurance Llc Erie 3030 GETTYSBURG RD, CAMP HILL, 17011 717-234-1200
Consumers Insurance Agency Erie 240 S 18TH ST, CAMP HILL, 17011 717-763-7631
Ted Mercado State Farm 200 E Franklin St, Greencastle, 17225-1122 717-597-5888
B A Barrick & Company None 705 Ash Dr, Hanover, 17331 None
Dale Doban State Farm 1605 Market St, Camp Hill, 17011-4847 717-737-4117

Franklin 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 $1,509
Driver's Failure In Showing Documents +$140 $1,585
Driving With An Expired Registration +$149 $1,594
Driving At A Considerably Slow Pace +$314 $1,759
Using A Cellphone While Driving +$331 $1,776
Running A Red Light +$337 $1,782
Speeding +$354 $1,799
Driving A Vehicle Without The Required Permission +$449 $1,894
Driving With An Expired/Suspended License +$974 $2,419

Franklin 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 $1,387
Active Disabling Device $1,387
Tracking Device $1,358
Passive Disabling Device $1,344