Compare the Cheapest Car Insurance Quotes in Allentown, PA

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.

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Last Updated: 5/16/2022
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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.

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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
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $675
  • 2.
    Erie
    $682
  • 3.
    Travelers
    $784
  • 4.
    Nationwide
    $822
  • 5.
    State Farm
    $865
  • 6.
    Nationwide
    $960
  • 7.
    Allstate
    $986
  • 8.
    GEICO
    $1,008
  • 9.
    Esurance
    $1,366
  • 10.
    Progressive
    $1,491
  • 11.
    MetLife
    $1,578

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.

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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
State Minimum

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

  • Item
    Description
  • 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
Speeding Ticket

Average Cost of Car Insurance in Allentown

Allentown$1,054
PA$1,818
U.S.$1,424

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.

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The Best Car Insurance Companies in Allentown

MoneyGeek used a scoring system to find the best car insurance companies in Allentown. The best providers are:

  • NJM Insurance Co: MoneyGeek score of 97.5 out of 100
  • GEICO: MoneyGeek score of 92.5 out of 100

Getting a perfect score of 100, USAA might be your best choice if you have a military background.

Companies were ranked based on financial stability, customer satisfaction and affordability ratings through J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
New Jersey Manufacturers
Score:97.5

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Hartford
Score:87.5

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Travelers
Score:85

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

7
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

8
Nationwide
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Farmers
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
CSAA
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Plymouth Rock Assurance
Score:72.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

13
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities248th/300
handcuffs2 icon
Most Car Thefts16th/300
uninsured icon
Most Uninsured Motorists by State43rd/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall73rd/300
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Most Rainy Days53rd/300

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.