In 2020, 51% of all traffic accidents in Pennsylvania occurred in just nine of the state’s 67 counties. Eight of those nine counties are in the southeast portion of the state, including Lehigh county, where Allentown is located. In Allentown, the average annual cost of car insurance is $480 for state minimum coverage and $1,497 for full coverage, according to Bankrate’s 2021 study of quoted annual premiums.
With another 9 million licensed drivers in Pennsylvania, urban areas like Allentown tend to have more accidents with a higher population density, which can cause higher-than-average car insurance prices. To find the best car insurance in Allentown at cheap rates, Pennsylvania, Bankrate analyzed premiums, coverages, available discounts and customer service rankings from multiple insurers in the area.
Best car insurance companies in Allentown
The best car insurance companies in Allentown were found after considering a number of factors, including coverages, discounts and third-party rankings. Each company’s 2021 average quoted premium was collected in partnership with Quadrant Information Services. The companies listed below offer lower-than-average rates with a range of coverage and discounts, and have average or better customer service scores.
| Insurance company | J.D. Power score | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|---|
| Penn National | Not rated | $234 | $964 |
| Auto-Owners | 890 / 1,000 | $286 | $1,070 |
| Geico | 871 / 1,000 | $337 | $1,049 |
| Erie | 880 / 1,000 | $344 | $1,065 |
| State Farm | 881 / 1,000 | $394 | $1,285 |
Penn National
Penn National is a regional insurer, offering coverage in only 11 states on the East Coast. Because of its size, Penn National is not included in the J.D. Power auto studies. However, the regional insurer has the cheapest prices for state minimum and full coverage and was awarded the 2020 Ward’s Superior Rating for claims customer experience. Combined with optional coverages like gap insurance, replacement cost coverage and its PennPac protection bundle, Penn National is a viable option for Allentown drivers.
Auto-Owners
Allentown drivers who choose Auto-Owners can choose coverages like new car replacement, rental car coverage, gap insurance and diminished value coverage, which compensates you for a reduction in value if your car is damaged in an accident. Auto-Owners also has a plus package with 10 add-on coverages, including cell phone replacement and lock rekeying. Auto-Owners ranks third place for auto claims customer satisfaction and second for J.D. Power’s newly released 2021 Insurance Digital Experience Study for shopping experience.
Learn more: Auto-Owners Insurance review
Geico
As the fifth-largest insurer in Pennsylvania, Geico has lower-than-average car insurance rates without sacrificing policy quality. Though mechanical breakdown is typically not covered by car insurance, Geico offers this coverage as an add-on benefit for Allentown drivers. As part of the Mid-Atlantic region, Pennsylvania drivers rate Geico in fourth place for overall customer service satisfaction and first place for service in the Digital Experience Study.
Learn more: Geico Insurance review
Erie
Not only does Erie offer Allentown residents lower-than-average car insurance rates, it also ranks above-average for auto claims satisfaction. You can add optional coverages like pet injury coverage and travel expenses to your auto insurance, plus have your first at-fault accident forgiven if you have gone three years without a claim. If you are worried about increasing rates, consider Erie’s rate lock feature that locks in your rate unless you make certain changes to your car insurance policy, like adding or removing a driver.
Learn more: Erie Insurance review
State Farm
State Farm happens to be the number one car insurer in Pennsylvania and across the nation. In the Mid-Atlantic region, it also happens to rank first for overall customer satisfaction and rank third for digital shopping experience. State Farm offers a robust package of coverages and discounts to help Allentown drivers get the cheapest car insurance rates possible. With discounts up to 17% for bundling home and auto and up to 30% in savings for safe driving habits through the Drive Safe & Save program, State Farm has a lot to offer in Allentown.
Learn more: State Farm Insurance review
Cheapest car insurance in Allentown
Allentown drivers have lower-than-average car insurance costs compared to the national average of $1,674 per year. The rates for Allentown are slightly higher than those for the state of Pennsylvania, which average $427 per year for state minimum and $1,476 for full coverage annually. In the table below, the cheapest car insurance in Allentown is listed according to each company’s average annual premium.
| Insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Nationwide | $254 | $1,062 |
| Auto-Owners | $286 | $1,070 |
| USAA | $323 | $1,162 |
| Geico | $337 | $1,049 |
| Erie | $344 | $1,065 |
These rates were analyzed from the most popular carriers based on market share. Nationwide has the cheapest car insurance cost on average of all major carriers in Allentown. The company ranks just below-average for customer satisfaction in the Mid-Atlantic region, but above average for claims satisfaction. By downloading the Nationwide Mobile App, you have proof of insurance at your fingertips, plus the ability to track claims and connect directly with roadside assistance.
For past and present Allentown military members, USAA offers the third-cheapest car insurance rates. With discounts for vehicle storage, length of membership and military installation, USAA may be a great choice for car insurance if you qualify. Because membership is limited, USAA does not qualify for official J.D. Power study ranking, yet scores the highest in all current studies for auto insurance satisfaction. Auto-Owners, Geico and Erie do not have eligibility requirements and also offer some of the lowest rates on average for drivers.
Allentown insurance requirements
Like most states, Pennsylvania drivers must carry a minimum amount of liability insurance to drive. When purchasing car insurance, Allentown residents should secure liability limits of at least:
- $15,000 per person for bodily injury liability
- $30,000 per accident for bodily injury liability
- $5,000 per accident for property damage liability
Because Pennsylvania is a choice no-fault state, there is also a requirement for $5,000 in medical benefits coverage, which helps pay for the medical bills of you or your passengers after an accident, regardless of fault. Though it is tempting to go with the cheapest car insurance rates, most insurance experts recommend buying as much coverage as you can afford.
The liability insurance protects your finances if you cause an accident resulting in injuries or property damage, but does not offer coverage for your vehicle. If you finance or lease your car, full coverage may be required and is encouraged for physical damage protection for the vehicle.
Car insurance discounts in Allentown
- Defensive driving: For seniors aged 55 or older, Pennsylvania offers three approved defensive driving courses which could grant you a discount on car insurance if you pass.
- Multi-policy: If you own a home or condo or rent, you could save on your car insurance in Allentown by bundling both policies with the same carrier.
- Affinity: Belonging to certain professional, personal or school organizations can sometimes lower the cost of car insurance.
- Safe driving: By keeping a clean driving record, you can usually take advantage of the safe driving discount.
These are just a few of the car insurance discounts offered to Allentown drivers. Being accident-free, paperless, or receiving an advanced quote are a few other discounts offered by car insurance companies in Pennsylvania. Most often, the multi-policy discount offers the most amount of savings. Insuring more than one car in the same household may also award you with a multi-car discount.
Frequently asked questions
What is the best car insurance company?
To find the best car insurance company, you may have to get several quotes to compare coverages, discounts and costs. The right insurance company will offer the best rates on the coverages you need and have a variety of discounts to choose from. The cheapest car insurance company may not always be the best, so consider third-party rankings and customer reviews when comparing companies.
How much car insurance do I need in Allentown?
If you are not sure how much car insurance you need in Allentown, consider speaking with an insurance agent. It helps to purchase as much coverage for liability and your vehicle as you can afford and review optional coverages offered to see which ones are valuable to include in your policy. Consider available discounts to get the best coverage for the cheapest rates.
How much does car insurance in Allentown cost?
Bankrate found the average cost of car insurance in Allentown is $480 per year for state minimum and $1,497 for full coverage per year. Your rates may be different because quotes are based on your driving history, household driving information, the type of car you drive and the coverage you select. Getting several quotes can help you find out how much you can pay based on your personal and household factors.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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