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 in Allentown pay $554 annually with Westfield Insurance for minimum coverage. Adult drivers access the market's best rates at $276 per year with Westfield Insurance, enjoying a 50% discount compared to young drivers.

Westfield Insurance charges seniors $397 annually, a 44% increase over adult rates. All age groups find competitive options in Allentown's diverse insurance market.

Westfield and Erie offer the best car insurance rates for young drivers in Allentown, with average monthly rates starting 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.

With Allentown drivers paying some of Pennsylvania's highest car insurance rates, finding affordable coverage can feel overwhelming. 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.

To help Allentown drivers find affordable car insurance, MoneyGeek analyzed rates using data from the Pennsylvania Insurance Department and Quadrant Information Services. 

We reviewed quotes from 12 major insurers across all ZIP codes in the city, analyzing hundreds of thousands of data points to find options that best match local drivers’ needs.

Allentown Driver Profile

We used a sample driver profile to calculate average car insurance quotes in Allentown:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We also adjusted certain factors, including age, driving record, credit score, and military affiliation, to identify the most suitable insurers for different types of drivers.

Coverage Levels in Allentown

MoneyGeek compared the most affordable companies for both minimum and full coverage auto insurance.

The minimum coverage requirements in Pennsylvania are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We evaluated each insurer based on three main factors:

• Affordability (60% of score): We analyzed quotes for multiple driver profiles and compared rates among competitors in Allentown.
• Customer Experience (30% of Score): We used insights from Google reviews, J.D. Power, AM Best, and Reddit discussions to assess customer satisfaction.
• Coverage Options (10% of Score): We looked at the number and quality of each company’s coverage options, including any unique benefits or add-ons.