On average, Erie offers the cheapest car insurance in Allentown, even with a ticket or for a state minimum policy. USAA is a low-priced option for military families. For Allentown drivers looking to balance cost and customer service, NJM Insurance Co is MoneyGeek’s top pick. Your driving profile and coverage needs determine the best choice for you.
The Cheapest and Best Car Insurance in Allentown
The Cheapest Car Insurance Companies in Allentown
On average, the cheapest insurers for drivers who want a full coverage policy in Allentown are:
- Erie: $682 per year
- Travelers: $784 per year
If you’re a military member, USAA offers the most affordable full coverage auto insurance policy in Allentown at roughly $675 per year.
For most Allentown drivers, Erie has the cheapest full coverage policy, around 131% less than MetLife, the most expensive at roughly $1,578 per year.
Full coverage includes comprehensive and collision insurance; however, prices vary depending on your chosen liability limits.
Cheapest Car Insurance in Allentown
- Company100/300/100per year
- 1.$675
- 2.$682
- 3.$784
- 4.$822
- 5.$865
Following our methodology, MoneyGeek found average rates for a 40-year-old male driver in Allentown with a full coverage policy.
A full coverage policy costs significantly more than minimum coverage because it adds comprehensive and collision insurance to liability, protecting your car from damage.
- Comprehensive insurance: pays for non-collision incidents like theft or weather damage
- Collision insurance: pays for vehicle damage in an at-fault accident with another vehicle or stationary object
It is advisable to buy a state minimum or liability-only policy to save money if you own an older vehicle since full coverage may cost more than your car’s value.
Compare Car Insurance Rates in Allentown
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Allentown for Minimum Coverage
Purchasing minimum coverage auto insurance is the most affordable option for Allentown drivers. On average, the cheapest insurers for a minimum coverage policy in Allentown are:
- Erie: $295 per year
- State Farm: $385 per year
For military members, USAA offers a low price at around $258 annually.
Erie offers the cheapest minimum coverage policy for most Allentown drivers; it’s around three times less than MetLife, the most expensive at roughly $1,002 per year.
Although minimum coverage is the most affordable, it does not have comprehensive and collision insurance and the low levels of liability coverage put you at risk.
View the table below to see what more liability coverage costs.
Cheapest Minimum Liability Car Insurance in Allentown
- CompanyState Minimumper year
- 1.$258
- 2.$295
- 3.$385
- 4.$409
- 5.$420
A state minimum coverage policy in Pennsylvania includes 15/30/5 in liability insurance and first party benefits medical coverage of $5,000. Although it’s the cheapest auto insurance in Allentown and saves you money, it provides the least protection, so you may pay out of pocket in an accident.
For example, if your at-fault accident totals $50,000 in medical bills, the policy covers $30,000 per accident. You must pay the remaining $20,000.
Pennsylvania Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Allentown if You Have Driving Violations
Allentown drivers with a violation, like a ticket, DUI or at-fault accident, pay higher premiums. On average, the cheapest auto insurance, depending on the violation, in Allentown is:
- Cheapest after a ticket: Erie, $712 per year
- Cheapest after an at-fault accident: Erie, $883 per year
- Cheapest after a DUI: State Farm, $947 per year
USAA offers the lowest rate — around $893 annually — after a DUI in Allentown to eligible military members.
With time, Allentown drivers can improve their records to get cheaper auto insurance. Right now, shop around and find the best deal on car insurance with a violation.
Cheapest Car Insurance in Allentown With a Violation
- CompanySpeeding Ticketper year
- 1.$712
- 2.$748
- 3.$912
- 4.$947
- 5.$986
Average Cost of Car Insurance in Allentown
On average, drivers in Allentown pay $1,054 per year for car insurance. Compared to the state average of $1,818 per year, Allentown is 42% cheaper. Average car insurance rates in Allentown are also less costly than the national average, which is 26% higher at $1,424 annually. You can find the average rates for different states by comparing quotes online.
Personalized Quotes to Get You the Cheapest Car Insurance in Allentown
Personalized quotes are important when shopping for car insurance since factors such as coverage amounts, ZIP code and age all determine car insurance costs. You may also find that you may be eligible for discounts, so it is important to get personalized quotes frequently from different auto insurers.
Compare Car Insurance Rates in Allentown
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Allentown
MoneyGeek reviewed the best car insurance companies in Allentown by checking their average rates, claims ratings and customer satisfaction scores.
The top-rated car insurance companies in Allentown are:
- Erie: MoneyGeek score of 97 out of 100
- State Farm: MoneyGeek score of 90 out of 100.
Since USAA exclusively caters to military members and their families, MoneyGeek excluded it from this analysis. However, USAA earned a MoneyGeek score of 99 out of 100, making it the best car insurance company in Allentown for military members and their families.

Aside from getting high scores in affordability, customer satisfaction and claims, Erie offers better car replacement as a unique add-on coverage. A full-coverage Erie policy costs around $682 per year in Allentown.
Erie offers different coverage options in Allentown to supplement your policy. Accident forgiveness insurance, for example, helps cover the surcharge the first time you’re at fault in an accident. However, this is only available if you’re claims-free for three years.
Erie also offers new car replacement coverage. This coverage means that your car will be replaced with the newest model year if you’ve owned it for less than two years.
Read MoneyGeek's Erie auto Insurance Review
State Farm got high scores in affordability, claims and customer satisfaction, making it the second-best auto insurance company in Allentown. State Farm offers rideshare insurance and costs roughly $865 annually.
Rideshare insurance is not often offered by other auto insurance providers in Allentown. However, this add-on coverage from State Farm ensures that all coverages from your policy remain in effect while you work for a ridesharing service.
In addition, State Farm also provides rental car/travel reimbursement up to chosen limits up to $500 and up to $500 repayment of deductible if you are responsible for an accident in your rental car.
Read MoneyGeek's State Farm auto Insurance Review






Average Cost of Car Insurance by Postal Code
Some locations have higher rates of car accidents, car thefts and claim incidences in general. This is why your ZIP code can be a factor in the cost of your car insurance.
In Allentown, the cheapest ZIP code, 18104, costs $1,025 per year. This is $84 cheaper than the most expensive ZIP code, 18102. Make sure to shop around for insurance to ensure you get the best rates.
- Zip CodeState Minimumper year
- 18104$1,025
- 18103$1,028
- 18102$1,109
Factors That Impact Insurance Costs in Allentown
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Allentown. How Allentown ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
