Updated: December 29, 2025
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Donegal has Allentown's cheapest full coverage at $78 monthly, while Westfield provides minimum coverage at just $23 per month or $276 annually. These premiums apply to drivers with clean records.
Your age and driving record impact which insurer offers you the best rate, so comparing quotes from multiple companies helps you find the most competitive premium available.
| Westfield Insurance | $108 | $23 | -33% |
| Erie Insurance | $88 | $34 | -38% |
| Donegal Insurance | $78 | $38 | -41% |
| Travelers | $86 | $38 | -37% |
| Nationwide | $88 | $40 | -34% |
Pennsylvania's statewide average sits at $46 monthly for minimum coverage and $113 for full coverage, but Allentown drivers pay higher rates. You'll pay around $56 for minimum coverage and $132 monthly for full coverage in the city.
The higher costs stem from increased traffic congestion that leads to more accidents, plus harsh winter conditions that damage vehicles and cause weather-related claims. Vehicle theft rates also run higher than the state average.
These urban challenges push Allentown's premiums well above Pennsylvania's baseline. Comparing quotes from multiple insurers helps you find the most competitive rates available.
| $132 | $113 |
Read More: The cheapest car insurance in Pennsylvania
Your age impacts what you'll pay for car insurance in Allentown, with young drivers averaging $208 monthly while adults pay just $90 and seniors pay $115. Allentown's youngest drivers pay premiums more than double what adults pay due to their limited experience behind the wheel and higher accident rates.
Cheapest Allentown car insurance by age:
Once drivers establish experience, age matters less in determining rates. The modest difference between adult and senior premiums shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Young drivers in Allentown pay high insurance costs, with the average monthly rate hitting $208 compared to just $90 for adults. Travelers offers the most affordable option at $180 monthly or $2,162 annually for full coverage, making it the top choice for drivers ages 16 to 25.
Insurers charge these high premiums because young drivers lack experience behind the wheel and have higher accident rates plus more traffic violations than any other age group.
Young Allentown drivers save $73 monthly by choosing Travelers over Nationwide at $253 monthly. Adding a young driver to your family policy beats getting them standalone coverage, but expect rates to stay elevated until age 25.
Note: Teen drivers may have additional state-specific requirements and restrictions. Consult your insurer about applicable regulations.
| Travelers | $180 | $2,162 |
| Erie Insurance | $182 | $2,185 |
| Westfield Insurance | $204 | $2,445 |
| Donegal Insurance | $219 | $2,626 |
| Nationwide | $253 | $3,040 |
Allentown's senior drivers benefit from decades of experience and clean driving records, helping them secure competitive insurance rates like Nationwide's $96 monthly or $1,154 annually for full coverage. While most insurers view experienced drivers favorably, some may increase premiums slightly for those over 70 due to reaction time concerns.
Seniors across the area's five cheapest insurers average $115 monthly, just $25 above the $90 that younger adults pay. By choosing Nationwide over Westfield at $136 monthly, seniors save $40 each month. Additional savings opportunities exist through defensive driving courses or low-mileage discounts for those driving under 7,500 miles annually.
| Nationwide | $96 | $1,154 |
| Travelers | $110 | $1,322 |
| Donegal Insurance | $112 | $1,342 |
| Erie Insurance | $122 | $1,460 |
| Westfield Insurance | $136 | $1,627 |
Adults between ages 26 and 64 secure Allentown's most competitive car insurance rates because they balance extensive driving experience with lower accident involvement than younger and older drivers.
Donegal leads with $78 monthly or $932 annually for full coverage, making it the cheapest option for this age group. Across Allentown's five most affordable insurers, adults average $90 monthly, the lowest of any age category.
Shopping around pays off for Allentown adults, who save $30 monthly choosing Donegal over Westfield's $108 rate. Maintaining clean driving records and bundling policies can push premiums even lower.
| Donegal Insurance | $78 | $932 |
| Travelers | $86 | $1,028 |
| Erie Insurance | $88 | $1,061 |
| Nationwide | $88 | $1,062 |
| Westfield Insurance | $108 | $1,300 |
Car insurance costs jump in Allentown when you've got violations on your record. Westfield keeps rates lowest across the board, charging just $23 monthly for minimum liability with clean records and $25 monthly for drivers with speeding tickets, while State Farm offers the best deal for DUI violations at $51 monthly.
Looking at average rates across the five cheapest insurers shows the impact: clean drivers pay $35, speeding tickets bump that to $40, at-fault accidents hit $38 and DUIs jump to $68.
At-fault accidents push premiums higher because you've proven you can cause actual property damage or injuries, putting you in a riskier category for insurers.
DUIs create the biggest rate increases since they mix dangerous driving with serious legal consequences, often requiring SR-22 filing and landing you in the highest-risk customer group. Speeding tickets cause smaller increases because they show risky behavior without proving you've actually crashed.
| State Farm | $51 | $611 |
| Travelers | $51 | $611 |
| Erie Insurance | $72 | $864 |
| Allstate | $75 | $898 |
| Donegal Insurance | $93 | $1,110 |
Car insurance costs in Allentown vary widely by location, with ZIP code 18104 offering the cheapest rates at $49 monthly while ZIP code 18109 charges the most at $145. See your ZIP code's rate in the table below.
Allentown's three most populous neighborhoods (18102, 18103 and 18104) see minimum coverage rates of $131, $144, and $120 per month respectively. These differences reflect local risk factors including vehicle theft rates, accident frequency, population density and uninsured driver concentrations.
Use the table filter to locate your neighborhood and check your area's average rate.
| 18101 | $53 | $130 |
Competitive rates and adequate coverage aren't mutually exclusive in Allentown. Here's how to get both.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation to recommend appropriate coverage levels for your Allentown driving needs.
Familiarize yourself with types of car insurance options in Allentown. Consider pay-per-mile insurance if you drive infrequently or non-owner coverage if you occasionally borrow vehicles.
Look up average vehicle insurance costs for your specific Allentown neighborhood. Local rates vary based on crime rates, traffic patterns and other area-specific factors.
Explore every car insurance discount opportunity available. Consider bundling multiple policies or securing multi-car discounts. You can also save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for insurance companies serving Allentown. Check both financial stability scores and customer satisfaction ratings to ensure you're choosing a reliable insurer.
Request quotes from multiple carriers serving Allentown, targeting at least three companies. Comparing rates from different insurers helps you identify the most competitive pricing for your coverage needs.
Schedule an annual policy review to stay competitive with current market rates. Your circumstances and available discounts change over time, making yearly evaluations essential for maintaining affordable coverage.
Want to find affordable coverage in Allentown? This FAQ offers clear answers about available discounts, state regulations and coverage types to help you find coverage that works for your budget and protects your finances.
Donegal has the cheapest full coverage in Allentown at $936 annually, while Westfield offers the lowest minimum coverage at $276 per year. Since rates depend on individual factors, compare quotes from multiple companies.
Erie Insurance ranks first among Allentown car insurance providers with a MoneyGeek score of 98 out of 100, outpacing Travelers by two points. The company performs well in customer experience and affordability.
Car insurance premiums average $1,584 annually for full coverage and $672 for minimum coverage in Allentown. Your actual rates depend on your driving record, age and coverage choices.
Yes, Allentown has expensive car insurance, ranking 1580th for full coverage and 1619th for minimum coverage affordability among Pennsylvania cities.
Allentown drivers pay some of Pennsylvania's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Allentown's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
