Cheapest and Best Car Insurance Companies in Allentown, PA

Your driver profile and specific needs may influence which car insurance company is the least expensive for you. For example, while Erie is often the cheapest insurer for minimum coverage, Travelers has the lowest rates for full coverage policies, drivers with at-fault accidents and those with a military background. On the other hand, Nationwide may be ideal for teen drivers, and Allstate is frequently best for those with DUIs.

If you’re shopping for insurance based on your needs, Erie is MoneyGeek’s pick for the best overall and best cheap car insurance in Allentown. Chubb is the winner for best customer service.

The cheapest car insurance companies in Allentown for minimum coverage are:

• Erie: $253 per year
• Auto-Owners Insurance: $273 per year

Allentown's most expensive minimum coverage policy costs roughly $1,098 per year from Dairyland. Meanwhile, Westfield offers the most affordable car insurance in Pennsylvania at $267 per year as of October 2022. This isn't too far off from Allentown's Erie rate, but it does show location can affect rates.

In Allentown, minimum car insurance requirements include liability insurance and medical payments with the following coverage:

• $15,000 in bodily injury liability per person
• $30,000 in bodily injury liability per accident
• $5,000 in property damage liability per accident
• $5,000 in medical benefits

Liability coverage goes toward damages incurred by the other driver in an accident. Medical benefits coverage pays for your or your passengers' medical expenses, even if you're at fault. So if you have $15,000 in bodily injury liability per person and $30,000 per accident, your insurance provider only has to cover $15,000 in damages for each individual, maxing out at $30,000.

For a full coverage policy, these car insurance companies in Allentown offer the lowest rates:

• Travelers: $589 per year
• Nationwide: $629 per year

Dairyland offers the most expensive full coverage policy at an average of $2,629 per year. Overall, Nationwide offers the cheapest full coverage car insurance in Pennsylvania at about $580 per year as of October 2022. Where you live can often affect how much you pay for coverage.

Full coverage car insurance includes comprehensive and collision coverage.

• Collision Insurance: Helps pay for damages to your car due to a collision with an object or another vehicle
• Comprehensive Insurance: Helps pay for damages to your vehicle due to a non-accident incident like vandalism, theft, animal damage or weather-related events

Full coverage may be ideal if you have a newer vehicle and want to financially protect your investment. But if your car is older, think twice before paying hundreds of dollars more per year for additional coverage.

The cheapest car insurance companies in Allentown for full coverage if you have the following driving offenses are:

• Speeding ticket: Auto-Owners Insurance ($679 per year)
• At-fault accident: Travelers ($798 per year)
• DUI: Allstate ($808 per year)

You’ll get the highest annual rates from Dairyland for a full coverage policy after a speeding ticket ($3,311) or an at-fault accident ($3,621). Meanwhile, Westfield charges the highest annual rate after a DUI at $4,470. Driving offenses can drive up your rates. Even the cheapest options are more expensive than if you have a clean record.

Rates may increase depending on the severity of the driving violation. For instance, Allentown drivers with DUIs may pay around $597 more for car insurance than those with speeding tickets. Researching the cheapest car insurance with a bad driving record can help lower premiums.

For 16-year-old teenage drivers on a family policy, the most affordable car insurance providers in Allentown are:

• Nationwide: $1,161 per year
• Auto-Owners Insurance: $1,609 per year

Progressive is the most expensive car insurance company for teen drivers. Families pay roughly $4,230 per year to add a female or male teen to a policy.

Because car insurance rates are more expensive for teens, adding them to a family policy is usually better than getting them their own coverage. Case in point, adding a 16-year-old male teen to your family policy in Allentown costs approximately $2,023 less yearly than a separate policy would. So if you're keen on saving thousands per year, compare options and find the cheapest car insurance for teens.

In Allentown, the most affordable car insurance providers for military families are:

• Travelers: $589 per year
• Nationwide: $629 per year

USAA may be another cheap option for military members, families and veterans, costing an average of $810 per year.

The rates above are for full coverage. If you opt for minimum coverage, Erie offers the lowest rates at $253 per year. Auto-Owners Insurance is the second cheapest at $273 per year.

Comparing car insurance quotes can be time-consuming. It may take 15 minutes or more to get an online quote from a single company. And these companies tend to ask for a ton of personal details. To help speed things up, MoneyGeek created a car insurance calculator to estimate your rates with different insurers based on age, coverage level, vehicle and driving record.

The best car insurance for you depends on how much you value affordability, service quality, coverage and other factors. In Allentown, the best car insurance providers in three big categories are:

• Best overall: Erie (MoneyGeek score of 82 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: Erie (MoneyGeek score of 84 out of 100)

MoneyGeek scores may change for each company based on how factors are weighted differently in each category.

Erie is also the best car insurance company in Pennsylvania. For those with military backgrounds, USAA may be another great option. It has a MoneyGeek score of 81 out of 100.

The best car insurance companies in Allentown balancing affordability and service quality are:

• Erie: MoneyGeek score of 82 out of 100 ($655 per year)
• Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($646 per year)

Erie bested its competitors by providing affordable policies and excellent customer service.

If you come from a military family, USAA is another top-rated company for car insurance, earning a MoneyGeek score of 81 out of 100. But its premiums average $810 per year, higher than most other providers.

If we exclude costs, the best car insurance providers for customer service in Allentown are:

• Chubb: MoneyGeek score of 76 out of 100 ($1,247 per year)
• Erie: MoneyGeek score of 70 out of 100 ($655 per year)

Chubb outshined its competitors in customer satisfaction and claims management, meaning policyholders are nearly guaranteed excellent customer service. But Chubb’s policies are more expensive than the runner-up and most of its competitors.

Looking into affordability and service quality for policies strictly meeting Pennsylvania’s minimum coverage requirements, the best companies in Allentown are:

• Erie: MoneyGeek score of 84 out of 100 ($253 per year)
• Auto-Owners Insurance: MoneyGeek score of 83 out of 100 ($273 per year)

The cheapest minimum coverage policies in Allentown may have the lowest rates, but they offer comparatively little protection against liability costs and no coverage for damages to your own vehicle.

MoneyGeek found that the average cost of car insurance for a full-coverage policy in Allentown is $1,073 per year as of October 2022. This is $346 cheaper than the average cost of car insurance in Pennsylvania and $192 lower than the national average of $1,265 per year. When we determined full coverage, we went with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Location plays a vital role in determining rates. Whereas car insurance in Allentown is cheaper than the state average, auto insurance in Pennsylvania is higher than the national average.