Car Insurance in Allentown

Westfield offers the most affordable minimum coverage in Allentown at $276 per year, which is 59% lower than the city average of $669. Westfield also charges $1,296 per year for full coverage, making it a strong value across both coverage types.

Erie Insurance and Donegal Insurance provide competitive alternatives at $408 and $456 annually for minimum coverage respectively. These regional insurers deliver reliable coverage options for Pennsylvania drivers seeking affordable rates in the Lehigh Valley.

Young drivers pay $554 annually with Westfield Insurance for minimum coverage. Adult drivers pay $276 per year with Westfield Insurance.

Westfield Insurance charges seniors $397 annually, a 44% increase over adult rates.

Westfield and Erie offer the best car insurance rates for young drivers in Allentown. Their average monthly rates start at $46 and $69, respectively.

Westfield provides the lowest rates for adult drivers (26 to 64) in Allentown, with premiums averaging $23 monthly and savings of 61% compared to city averages.

For seniors aged 65 and up in Allentown, Westfield offers the lowest rates for both minimum and full coverage. Minimum coverage costs $33 per month or $397 annually.

These insurance companies offer the lowest rates for high-risk drivers in Allentown based on our analysis:

• Cheapest for Bad Credit: Westfield (from $52 per month)
• Cheapest With a DUI: State Farm (from $51 per month)
• Cheapest With an Accident: Westfield (from $29 per month)
• Cheapest With a Speeding Ticket: Westfield (from $25 per month)

Westfield offers the cheapest car insurance for bad credit drivers in Allentown, with monthly rates starting at $52 for minimum coverage and $175 for full coverage.

Drivers with a DUI in Allentown can find lower insurance rates with State Farm and Travelers. These providers offer rates up to 57% below average for minimum coverage.

Drivers in Allentown with an accident record can find the lowest rates with Westfield, starting at $29 per month, 59% less than the city's average premium.

Westfield offers the cheapest car insurance for Allentown drivers with speeding tickets. Its minimum liability coverage costs about $25 monthly, while its full coverage policy runs around $119 per month.

Erie Insurance combines competitive premiums with strong customer satisfaction scores in Allentown. Travelers provides solid rates alongside outstanding customer service ratings.

Both insurers effectively serve Allentown drivers, with Erie Insurance offering excellent value and Travelers delivering superior service experiences.

Allentown averages $669 per year for minimum coverage and $1,590 per year for full coverage. These rates exceed Pennsylvania's state average of $544 for minimum coverage.

Erie Insurance's $403 minimum coverage rate demonstrates significant savings potential. Allentown's Lehigh Valley location results in moderate premiums compared to Philadelphia or Pittsburgh, offering drivers reasonable insurance costs with competitive options.

In Allentown, car insurance rates by ZIP code range from $49 to $145 per month. ZIP code 18109 is the most expensive, while 18104 is the cheapest. Check the average rates for your ZIP code in the table below.

This step-by-step guide shows you how to secure better rates and choose the right coverage for your needs.

Car insurance costs depend on your driving history, credit and coverage needs. In Allentown, Donegal and Erie Insurance have the lowest average premiums overall, but compare quotes from multiple providers to find your best rate.

Find straightforward answers about affordable car insurance in Allentown below. Our FAQ section helps you understand coverage options and save money while getting the protection you need.

Allentown drivers face higher insurance costs than many Pennsylvania cities due to urban traffic congestion, elevated property crime in Lehigh County, and above-average accident frequency that push premiums higher than surrounding areas. We built this research to show you which insurers offer the lowest rates for your specific driving profile, so you can maintain required coverage without overpaying in one of the Lehigh Valley's most competitive insurance markets.

We collected rate data from the Pennsylvania Insurance Department and Quadrant Information Services, reviewing quotes from 12 major insurers across all ZIP codes in the city and analyzing hundreds of thousands of data points to find options that best match local drivers' needs.

We used a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history as our baseline. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. We also adjusted factors including age, driving record, credit score, and military affiliation to identify the most suitable insurers for different types of drivers.

Pennsylvania requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in a city where medical costs and vehicle values run moderate to high.

For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled—particularly important given Allentown's elevated auto theft rates and congested urban roadways.

We evaluated each insurer based on three main factors: affordability (60%) analyzing quotes for multiple driver profiles compared among Allentown competitors, customer Experience (30%) using insights from Google reviews, J.D. Power, AM Best, and Reddit discussions to assess satisfaction, and coverage options (10%) looking at the number and quality of each company's coverage options, including unique benefits or add-ons. This methodology identifies insurers offering genuine value for Allentown drivers navigating one of Pennsylvania's more expensive insurance environments.