Auto Insurance in York and Lancaster, PA

Keeping Drivers in York and throughout Southern Pennsylvania protected against Risk


From fires and collisions with animals to theft and vandalism, the risks that you face as a driver are many.  These and other risks can be costly to you if you’re unprotected, and for this reason, it’s very important that you have protection.  Insurance provides necessary protection, and at Jeffers Insurance Agency we have a complete auto insurance program, which we customize for individual clients. 


We’ve insured drivers in York and in communities throughout Southern Pennsylvania for years, and also we know the needs of drivers that are in communities that we serve.  We work with A-rated carriers, and we offer a wide variety of coverages.  Whether you drive a single vehicle of which you’re the only operator, or you drive several vehicles of which there are numerous operators, we’ll help you.

Auto Insurance Coverage Details for Drivers in Pennsylvania and in other States

Pennsylvania drivers are required to have medical benefits coverage, which is sometimes known as no-fault coverage, and liability car insurance.  Pennsylvania is a no-fault state, and this means that, in Pennsylvania, insurance carriers help pay for medical bills that are incurred by drivers and by passengers in the events of accidents.  Insurance carriers help pay for medical bills regardless of which driver in an accident is at fault.


There are two tort options in Pennsylvania for auto insurance, and the two options are option 1, which gives drivers limited rights to sue, and option 2, which gives drivers full tort rights to sue.  The limited tort option allows drivers to sue for medical costs, and it comes with a lower premium.  The full tort option gives drivers unrestricted rights to sue for medical costs, and for pain and suffering, and it has a higher premium than the limited tort option.


Liability coverage helps cover the costs of injuries that victims of car accidents that drivers cause sustain, and it helps cover damages that result from car accidents that drivers cause.  There are two kinds of liability coverage that Pennsylvania drivers must have, and the two kinds of liability coverage are bodily injury and property damage. 


Medical benefits coverage and liability car insurance are important for any driver to have.  There are other coverages, however, that can also be important for drivers to have.  We offer these coverages, which we’ll help you select.  Also, we’ll ensure that any policy or plan that you purchase is fitting.


The coverages from which you can choose include but are not limited to:

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured & Underinsured Motorist Coverage
  • Diminishing Deductible
  • Accident Forgiveness
  • Minor Violation Forgiveness
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
  • Rental Reimbursement
  • Personal Injury Protection (PIP)
  • Canadian Auto Insurance - Canadian nonresident card
  • Medical Payments Coverage

You may be able to save time and money as a client of ours if you take advantage of benefits and discounts for which you may be eligible.  To learn about these benefits and discounts, contact an agent.

Experienced, dedicated Agents keeping you and your Vehicles secure

We know how important it is that drivers be secure, and have insurance agents that help drivers through claims processes.  This is one reason why we thoroughly assess the needs of drivers, and why we also assist drivers through claims processes. 


In order to ensure that coverages are always current, and that the rates that the people whom we serve pay are always competitive, we regularly and closely review policies and plans that we write.  If and when possible, we include people whom we serve in policy and/or plan review processes.  As a result, the people whom we serve can fully understand their purchases, and be cognizant of needs for changes to coverages. 


Contact us or call us today.  To start on a policy, request a quote.

Additional Auto Insurance Information: 

At Jeffers Insurance Agency we’re proud to provide car insurance in York, Lancaster, Hanover, Harrisburg, Shrewsbury, and Mechanicsburg, PA.  We also serve other areas in the state, and we serve other states.

Related Products:

Jeffers Insurance Agency

1010 Windsor Rd.

Red Lion, PA 17356

Main office: 717-850-9451
Toll free: 800-304-0739
Fax: 866-374-1985

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.