In Allentown, Westfield offers the lowest rate for minimum coverage at $276 per year, while Donegal provides the cheapest full coverage at $932 annually. Other affordable insurers in the city include Erie Insurance, Travelers and Nationwide.
Car Insurance in Allentown
Updated: August 10, 2025
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Key Takeaways
Allentown's cheapest car insurance companies are Donegal, Erie Insurance and Travelers, with savings up to 41% compared to the city average.
In Allentown, monthly car insurance costs average $132 for full coverage and $56 for minimum coverage.
To get the best cheap auto insurance in Allentown, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Allentown?
| Donegal | $38 | $78 | -41% |
| Erie Insurance | $34 | $88 | -38% |
| Travelers | $38 | $86 | -37% |
| Nationwide | $40 | $88 | -34% |
| Westfield | $23 | $108 | -33% |
Compare the Cheapest Allentown Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Nationwide | $88 | $1,062 | -49% |
| Erie Insurance | $100 | $1,205 | -42% |
| Donegal | $107 | $1,290 | -38% |
| Travelers | $110 | $1,323 | -36% |
| Chubb | $131 | $1,566 | -24% |
Cheapest Car Insurance by Age Group in Allentown
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Allentown, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Westfield (from $46 per month)
- Cheapest Car Insurance for Adults: Westfield (from $23 per month)
- Cheapest Car Insurance for Seniors: Westfield (from $33 per month)
Cheapest Car Insurance for Young Drivers in Allentown
Westfield and Erie offers the best car insurance rates for young drivers in Allentown with average monthly rates starting at $46 and $69 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Westfield | $46 | $554 | -67% |
| Erie Insurance | $69 | $834 | -51% |
| Travelers | $83 | $994 | -41% |
| Donegal | $87 | $1,042 | -38% |
| State Farm | $110 | $1,315 | -22% |
Cheapest Car Insurance for Adult Drivers in Allentown
In Allentown, Westfield provides the lowest rates for adult drivers (26 to 64), with premiums averaging $23 monthly and savings of 67% compared to city averages.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Westfield | $23 | $276 | -61% |
| Erie Insurance | $34 | $403 | -43% |
| Donegal | $38 | $457 | -35% |
| Travelers | $38 | $460 | -34% |
| Nationwide | $40 | $478 | -32% |
Cheapest Car Insurance for Senior Drivers in Allentown
For seniors aged 65 and up in Allentown, Westfield offers the lowest rates for both minimum and full coverage car insurance. Minimum coverage costs $33 per month or $397 annually.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Westfield | $33 | $397 | -56% |
| Donegal | $44 | $534 | -41% |
| Erie Insurance | $46 | $556 | -38% |
| Nationwide | $50 | $600 | -33% |
| Chubb | $53 | $638 | -29% |
Cheapest Car Insurance for High-Risk Drivers in Allentown
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)
Cheapest Car Insurance for Bad Credit in Allentown
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. These affordable rates provide options for drivers seeking basic liability protection or comprehensive coverage with higher limits.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Westfield | $52 | $626 | -59% |
| Erie Insurance | $66 | $796 | -48% |
| Nationwide | $84 | $1,008 | -34% |
| Chubb | $112 | $1,341 | -12% |
| Geico | $112 | $1,348 | -12% |
Cheapest Car Insurance With a DUI in Allentown
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $51 | $611 | -57% |
| Travelers | $51 | $611 | -57% |
| Erie Insurance | $72 | $864 | -39% |
| Allstate | $75 | $898 | -37% |
| Donegal | $93 | $1,110 | -22% |
Cheapest Car Insurance With an Accident in Allentown
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Westfield | $29 | $350 | -59% |
| Erie Insurance | $38 | $458 | -46% |
| Nationwide | $40 | $478 | -44% |
| Chubb | $41 | $496 | -41% |
| Donegal | $42 | $505 | -40% |
Cheapest Car Insurance With a Speeding Ticket in Allentown
Westfield offers the cheapest car insurance for Allentown drivers with speeding tickets. Their minimum liability coverage costs about $25 monthly, while their full coverage policy runs around $119 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Westfield | $25 | $303 | -64% |
| Donegal | $38 | $457 | -46% |
| Erie Insurance | $38 | $458 | -46% |
| Travelers | $45 | $544 | -36% |
| State Farm | $51 | $611 | -28% |
Best Car Insurance Companies in Allentown
In Allentown, the leading car insurance companies are Erie Insurance, Travelers, Chubb and Nationwide. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| 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 |
Erie Insurance: Best Cheap Overall
pros
2nd cheapest rates overall
Best customer experience in Allentown, PA
Unique add-on feature to lock in rates
cons
Not as affordable for full coverage car insurance
COMPANY HIGHLIGHTS
Erie Insurance has the best customer service experience in Allentown being one of the highest rated providers nationally for agent service and being one of four providers to have a very positive sentiment on forums like Reddit. In addition, most people save an average of 38% with the company and they offer a signature add-on not seen anywhere else that can lock in those low rates (Called Erie Rate-Lock).
How Much Is Car Insurance in Allentown?
In Allentown, minimum coverage costs about $56 per month or $669 per year, ranking 1,619th out of all Pennsylvania cities for affordability. Full coverage averages $132 monthly or $1,590 annually, ranking 1,580th among Pennsylvania cities.
| Full Coverage | $132 | $1,590 |
| Minimum Coverage | $56 | $669 |
Compare Personalized Allentown Car Insurance Costs
Find rates that match your exact profile by filtering the table below for combinations of age, driving record and other personal factors that affect Allentown car insurance costs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $156 | $1,867 | 13% |
Allentown Car Insurance Costs by ZIP Code
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 on the table below.
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ZIP Code:18109
| 18109 | $65 | $145 |
How to Get the Best Cheap Allentown Car Insurance
With Allentown drivers facing 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.
- 1
Calculate your coverage needs first
Start by determining how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider your risk tolerance and budget to find the right balance between protection and affordability.
- 2
Explore different coverage types
Learn about various types of car insurance to find what fits your situation. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
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Know what others pay
Research average vehicle insurance costs in Allentown to set realistic expectations. This knowledge helps you identify truly competitive rates and avoid overpaying. Understanding local averages gives you better negotiating power with insurance providers.
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Stack up available discounts
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 add up to significant savings.
- 5
Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for insurers with strong claims-handling reputations in Pennsylvania. Read recent customer reviews from Allentown drivers to understand local service quality.
- 6
Get at least three quotes
Compare rates from multiple insurance providers to find the best deal. Get quotes online, through local agents, and directly from insurance companies. Different insurers weigh risk factors differently, so prices can vary significantly for the same coverage.
- 7
Review your policy yearly
Set a reminder to review your coverage annually. Life changes like moving within Allentown, buying a new car, or improving your credit score can qualify you for better rates. Shopping around each year ensures you maintain the most competitive price.
Cheapest Car Insurance in Allentown: Bottom Line
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.
Cheap Allentown Car Insurance: FAQ
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.
What is the cheapest car insurance company in Allentown, Pennsylvania?
Westfield offers minimum coverage at $276 annually in Allentown, while Donegal provides full coverage at $932. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Allentown?
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.
What is the average cost of car insurance in Allentown?
In Allentown, full coverage car insurance costs $1,590 annually, while minimum coverage averages $669. Actual rates vary based on individual driver factors.
Is car insurance in Allentown expensive?
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.
How We Chose the Best and Cheapest Car Insurance in Allentown, PA
To help Allentown drivers find the most affordable auto insurance companies, MoneyGeek analyzed Allentown auto insurance rates based on data and information from the Pennsylvania Insurance Department and Quadrant Information Services. We studied all ZIP codes in Allentown and hundreds of thousands of quotes for 12 companies offering auto insurance in Pennsylvania to tailor options as closely as possible to you.
Allentown Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Allentown with the following characteristics:
- 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
Certain factorssuch as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Allentown
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
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 rated all companies in Allentown based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.