The average car insurance rate in Allentown is $1,054 per year, which is 42% cheaper than the state average. For most drivers in Allentown, the cheapest car insurer is Erie, which costs $682 yearly on average. MoneyGeek evaluated the cheapest company by coverage amount and driving history to find rates that fit your profile. If you want a balance of affordability and quality, MoneyGeek also ranked car insurance companies in Allentown.
Compare the Cheapest Car Insurance Quotes in Allentown
The Cheapest and Best Car Insurance in Allentown
The Cheapest Car Insurance Companies in Allentown
On average, the cheapest car insurance companies in Allentown for a full coverage policy are:
- USAA: $675 per year (only available to current and former members of the military)
- Erie: $682 per year
For most drivers in Allentown, MetLife, the most expensive option at $1,578 yearly, is 133.8% more than the cheapest company, USAA. If you want to save on your premiums, it is recommended that you shop around for the best car insurance company for your needs.
For this analysis, prices are based on a full coverage policy for a 40-year-old male driver with liability insurance and comprehensive and collision insurance to cover damages to your vehicle.
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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.
The Best Car Insurance Companies in Allentown
To help you find the best combination of affordability and quality coverage, MoneyGeek ranked the best car insurance companies in Allentown. The best car insurance companies in Allentown are:
- NJM Insurance Co: MoneyGeek score of 97.5 out of 100
- GEICO: MoneyGeek score of 92.5 out of 100
For current and former members of the military and their families, USAA, which scored 100 out of 100, is the best option. We scored companies based on their customer satisfaction scores, affordability and financial stability ratings.
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 insurers.
Shopping around for car insurance in Allentown could save you $372, which is enough to buy:
Cheapest Car Insurance in Allentown by Coverage Amount
In Allentown and most states, the cost of your car insurance will largely depend on the type and amount of coverage that you choose. A liability-only policy that meets the minimum state limits is usually cheaper and costs an average of $548 yearly, which is $506 cheaper compared to a full coverage policy that costs an average of $1,054 per year.
Pennsylvania Minimum Liability Requirements
- 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.
For most drivers in Allentown, a full coverage policy will provide better protection than a liability-only policy which only covers damages and injuries to others. However, it’s more expensive.
A state minimum liability-only policy from Erie in Allentown costs $295 per year on average. This is the cheapest insurance for most drivers. You can increase your liability-only coverage for $71 to have 50/100/50 limits, which means that $50,000 per person in medical bills, a limit of $100,000 per vehicle and a $50,000 limit for property damage.
Opting for a full coverage policy costs an average of $653 per year for coverage levels that include 50/100/50 limits. Upgrading to 100/30/100 limits costs roughly $29 more per year.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Allentown if You Have Driving Violations
In Allentown, like most other states, a clean driving record means cheaper car insurance rates since safe drivers are less risky to insure. For a driver with an at-fault accident violation, car insurance with Erie, the cheapest option for most drivers, will cost $883 per year, which is $201 more than what a driver with a clean driving record would pay. Drivers with DUIs will also pay at least $378 more compared to drivers with no violations. Furthermore, drivers with speeding tickets will pay roughly $30 more per year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Allentown are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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