Updated: December 1, 2025
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Westfield Insurance offers the cheapest car insurance in Allentown. Erie Insurance, Travelers, Donegal Insurance and Nationwide also provide coverage in the city.
Car insurance in Allentown costs an average of $669 per year for minimum coverage and $1,590 per year for full coverage.
Travelers offers the cheapest car insurance in Pennsylvania at $363 per year for minimum coverage and $837 per year for full coverage.
Westfield has Allentown's cheapest minimum coverage at $276 yearly, 59% below the city's $669 average. Full coverage costs $1,296 per year, giving you great value either way.
Erie Insurance and Donegal Insurance offer good alternatives at $408 and $456 yearly for minimum coverage. These regional companies give Pennsylvania drivers reliable coverage at affordable Lehigh Valley rates.
| Westfield | $23 | $108 | -33% |
| Erie Insurance | $34 | $88 | -38% |
| Donegal | $38 | $78 | -41% |
| Travelers | $38 | $86 | -37% |
| Nationwide | $40 | $88 | -34% |
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 Insurance | $46 | $554 | -67% |
| Erie Insurance | $69 | $834 | -51% |
| Travelers | $83 | $994 | -41% |
| Donegal Insurance | $87 | $1,042 | -38% |
| State Farm | $110 | $1,315 | -22% |
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.
| Westfield Insurance | $23 | $276 | -61% |
| Erie Insurance | $34 | $403 | -43% |
| Donegal Insurance | $38 | $457 | -35% |
| Travelers | $38 | $460 | -34% |
| Nationwide | $40 | $478 | -32% |
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.
| Westfield Insurance | $33 | $397 | -56% |
| Donegal Insurance | $44 | $534 | -41% |
| Erie Insurance | $46 | $556 | -38% |
| Nationwide | $50 | $600 | -33% |
| Chubb | $53 | $638 | -29% |
These insurance companies offer the lowest rates for high-risk drivers in Allentown based on our analysis:
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.
| Westfield Insurance | $52 | $626 | -59% |
| Erie Insurance | $66 | $796 | -48% |
| Nationwide | $84 | $1,008 | -34% |
| Chubb | $112 | $1,341 | -12% |
| Geico | $112 | $1,348 | -12% |
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.
| State Farm | $51 | $611 | -57% |
| Travelers | $51 | $611 | -57% |
| Erie Insurance | $72 | $864 | -39% |
| Allstate | $75 | $898 | -37% |
| Donegal Insurance | $93 | $1,110 | -22% |
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 Insurance | $29 | $350 | -59% |
| Erie Insurance | $38 | $458 | -46% |
| Nationwide | $40 | $478 | -44% |
| Chubb | $41 | $496 | -41% |
| Donegal Insurance | $42 | $505 | -40% |
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.
| Westfield Insurance | $25 | $303 | -64% |
| Donegal Insurance | $38 | $457 | -46% |
| Erie Insurance | $38 | $458 | -46% |
| Travelers | $45 | $544 | -36% |
| State Farm | $51 | $611 | -28% |
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.
| Erie Insurance | 98 | 2 | 1 | 3 |
| Travelers | 96 | 3 | 2 | 5 |
| Chubb | 89 | 6 | 3 | 6 |
| Nationwide | 89 | 4 | 7 | 5 |
| Westfield | 85 | 5 | 9 | 7 |
2nd cheapest rates overall
Best customer experience in Allentown, PA
Unique add-on feature to lock in rates
Not as affordable for full coverage car insurance
Erie Insurance has the best customer service experience in Allentown, being one of the highest-rated providers nationally for agent service and one of four providers with very positive sentiment on forums like Reddit.
Most people save an average of 38% with the company, and it offers a signature add-on not seen anywhere else that can lock in those low rates (called Erie Rate-Lock).
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's $403 minimum rate shows you can save big. Allentown sits in the Lehigh Valley between Philadelphia and Pittsburgh, giving you moderate premiums and reasonable costs with plenty of competitive choices.
| Full Coverage | $132 | $1,590 |
| Minimum Coverage | $56 | $669 |
Monthly rates in Allentown run from $49 to $145 depending on your ZIP code. You'll pay the most in 18109 and the least in 18104. Check the table for your ZIP code's average rates:
| 18109 | $65 | $145 |
Find better rates and pick the right coverage for your situation:
Use our car insurance coverage needs calculator to get a personalized recommendation.
Check out different car insurance types to find what works for you. Drive rarely? Pay-per-mile might be perfect. No car? Look into non-owner insurance.
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and payment discounts can also help you save.
Check how financially stable each company is and what customers say about their service.
Compare rates from several companies to find your best deal.
Set a yearly reminder to review your coverage.
What you pay for Allentown car insurance depends on your driving record, credit and what coverage you need. Donegal and Erie Insurance have the lowest average rates, but you should still compare quotes from several companies to find your best price.
Looking for cheap Allentown car insurance? We answer to your biggest questions about finding good coverage at the best price:
Westfield offers minimum coverage at $276 annually in Allentown, while Donegal provides full coverage at $932. Rates vary by personal factors, so compare quotes.
Erie Insurance leads Allentown's car insurance providers with a MoneyGeek score of 98 out of 100, scoring two points above Travelers. Erie combines excellent customer service with competitive rates.
Full coverage car insurance costs $1,590 annually in Allentown, while minimum coverage averages $669. Actual rates vary based on individual driver factors.
Car insurance in Allentown costs more than average, ranking 1,619th for minimum coverage affordability and 1,580th for full coverage compared to other Pennsylvania cities.
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 meet the legal requirements but leave you financially exposed after serious crashes, especially in Allentown where medical bills and car values run moderate to high.
For full coverage, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This gives you stronger financial protection when you cause an accident or your car gets damaged, stolen or totaled. That matters in Allentown with its higher auto theft rates and busy urban roads.
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.
