Cheapest Auto Insurance in Allentown, Pennsylvania (2024)
State Farm offers the cheapest car insurance in Allentown, with minimum-coverage policies as low as $60 per month.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Updated October 30, 2024
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Table of contents
Residents of Allentown pay average car insurance rates of $96 per month for minimum coverage and $231 per month for full coverage. Liability coverage in Allentown is cheaper than the national average of $104 per month, but its full-coverage car insurance is on par with the rest of the country, at $211 per month.
Drivers in Pennsylvania often receive better rates on liability car insurance because people generally file fewer claims after an accident, and when they do, medical expenses tend to be less.[1]
But many other factors come into play when determining the best car insurance companies for your individual situation. Here’s how to keep your costs low in Allentown.
Quick Facts
The average rate for car insurance in Allentown is $164 per month.
Many of Allentown’s employers may offer cheap car insurance with low rates through group savings plans.[2]
Lower crime rates in Allentown compared to Pittsburgh and Philadelphia push premiums lower in the area.
3 of the cheapest car insurance companies in Allentown
The most affordable car insurance for you may be offered by a different car insurance company than for your neighbor. The quotes you receive are determined by a number of factors, and each insurer calculates these factors a little differently. That’s why it’s important to compare rates from several insurers to ensure you’re getting the best policy possible.
As you begin your search, keep these insurers in mind.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Mile Auto | 7.5 | $72 | $55 | Low-mileage drivers |
| State Farm | 9.3 | $107 | $51 | One-stop insurance shopping |
| Clearcover | 6.8 | $${AUTO_CARRIER_CLEARCOVER_FULL_STATE_PA_PRICE} | $${AUTO_CARRIER_CLEARCOVER_LIABILITY_STATE_PA_PRICE} | Fast claims processing |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low-mileage drivers: Mile Auto
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $141/mo |
If you’re lucky enough to work from home or you just don’t drive much, Mile Auto may offer the most affordable car insurance due to its unique pricing structure. You’ll pay a low base monthly rate, and each month you’ll snap a photo of your odometer for Mile Auto to calculate your rates.
It can be a bit of a hassle, but according to the company, customers who drive fewer than 10,000 miles per year often save up to 40% off the cost of standard car insurance. If you don’t drive much, that makes Mile Auto just about the best deal around.
Pros
Mileage-based pricing
No tracking device needed
Cons
No mobile app
Clunky way to report monthly miles driven
Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha - October 28, 2024
Verified
Good
The premiums keep increasing.
Lawrence - October 24, 2024
Verified
Honest Answers to Questions
Please refer to my answers to the previous questions.
…
Best insurer for one-stop insurance shopping: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $112/mo |
State Farm is the largest insurance agency in the country, underwriting about 17% of all passenger cars on the road in 2022.[3] In addition to car insurance, it offers just about everything else you might need, including business insurance, homeowners insurance, renters insurance, and more.
Allentown drivers can also take advantage of available discounts, including savings for being a good student, installing anti-theft protection devices, bundling several insurance policies together, and more.
Pros
Large, reputable insurer
Wide range of insurance products
Cons
Doesn’t offer gap coverage
Fewer discounts than some competitors
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
…
Best insurer for fast claims processing: Clearcover
ClearcoverCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $179/mo |
Clearcover is a bit mum about which types of insurance coverage you can purchase, and it has about three times as many customer complaints recorded with the National Association of Insurance Commissioners (NAIC) as many similar-sized companies, but it does one thing really well: paying claims quickly.[4]
Clearcover uses an AI-powered model to do this. It’s a relatively new company and is only available in a handful of states (including Pennsylvania). Interestingly, Pennsylvania is one of the few states where the company is rolling out its free Car Care program for current customers, offering discounts of up to 25% off routine maintenance services at many chain auto repair shops.
Pros
Pays claims in as quickly as seven minutes
Discount program for car maintenance and rentals
Cons
High amount of customer complaints with the NAIC
No list of available insurance products
Read more driver reviews of Clearcover
Catherine - October 22, 2024
Verified
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett - October 12, 2024
Verified
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
Richard - October 7, 2024
Verified
T.B.
Too expensive for me.
…
How to get the cheapest car insurance in Allentown
Car insurance companies charge different rates based on factors such as your marital status, gender, driving history, and age. Some of these factors are outside of your control.
But you can lower your car insurance rates by following these tips:
Get multiple quotes when renewing your current policy or shopping for a new one.
Drive safely by avoiding accidents and staying under the speed limit.
Choose the highest deductible you can pay out of pocket, since insurers charge lower premiums if you select a higher deductible.
See if your employer or any organizations you belong to offer insurance discounts, such as Lehigh Valley Health Network’s insurance discount program.
Find Cheap Car Insurance in Allentown, Pennsylvania
Liability rates start at $60 per month
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Cheapest liability-only car insurance in Allentown: State Farm
The state of Pennsylvania requires all drivers to purchase at least $15,000 in bodily injury liability coverage (up to $30,000 per accident) and $5,000 in property damage liability coverage.[5]
Liability coverage protects other drivers by ensuring you’re able to pay if you injure someone else or cause property damage, up to the limits of your policy.
Liability coverage doesn’t pay for damage above the predetermined limits, however. It also doesn’t do anything to protect you, your passengers, or your own car against injuries or damages to personal items.
The average rate for liability car insurance in Allentown is $96, and you can see a collection of rates available from top companies below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $60 |
| Mile Auto | $61 |
| Erie | $69 |
| Auto-Owners | $74 |
| National General | $78 |
| Foremost | $81 |
| Travelers | $89 |
| GEICO | $93 |
| Progressive | $93 |
| Safeco | $96 |
| Allstate | $104 |
| Plymouth Rock | $111 |
| Direct Auto | $112 |
| The General | $112 |
| Nationwide | $117 |
| USAA | $121 |
| Chubb | $139 |
| Dairyland | $143 |
| Liberty Mutual | $146 |
| Bristol West | $152 |
| State Auto | $163 |
| CSAA | $175 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Allentown: Mile Auto
Full-coverage car insurance adds onto a minimum-coverage policy by adding protection for your own car. Collision coverage repairs or replaces your vehicle if it’s involved in a car accident, regardless of who was at fault, while comprehensive coverage offers the same benefits if your car is damaged in other ways, such as from weather events or a collision with wildlife.
The average rate for full-coverage car insurance in Allentown is $231, and you can see a collection of rates available from top insurers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $82 |
| State Farm | $112 |
| Erie | $130 |
| Auto-Owners | $141 |
| Plymouth Rock | $155 |
| Midvale Home & Auto | $157 |
| Safeco | $157 |
| Travelers | $170 |
| GEICO | $175 |
| Progressive | $176 |
| Allstate | $197 |
| Liberty Mutual | $201 |
| National General | $201 |
| Foremost | $210 |
| CSAA | $212 |
| Direct Auto | $218 |
| Nationwide | $224 |
| USAA | $230 |
| State Auto | $252 |
| Chubb | $266 |
| The General | $280 |
| Bristol West | $283 |
| Infinity | $288 |
| Dairyland | $332 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Allentown, Pennsylvania
Recent Allentown, Pennsylvania car insurance prices for Ford, Chevrolet, Mazda , and more.
*Quotes generated for Insurify users in and around Allentown, Pennsylvania within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Allentown, Pennsylvania within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Pennsylvania
Pennsylvania is one of a few states where drivers generally have the right to sue someone else in court for any and all eligible damages. It’s a system known as “full tort,” but you can also choose to purchase a “limited-tort” policy that doesn’t allow you to receive compensation for any pain and suffering stemming from an accident.[6]
The average cost is a bit lower on limited-tort policies since your insurer may not have to pay as much. This makes such policies attractive options for people seeking cheap car insurance rates.
After deciding on whether a full-tort or limited-tort policy is best for your specific needs, you’ll need to decide on what types of add-ons and additional coverage options you want. At a minimum, Pennsylvania state law requires your coverage to meet these thresholds:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 |
While the figures above comprise the minimum state requirements, you may also want to consider any of the following optional coverages:
Gap coverage
Gap insurance pays the remainder of your vehicle loan if your car is totaled and you still have an outstanding balance on your debt.
Roadside assistance coverage
Roadside assistance coverage provides help when you need it on the go, including fixing a flat tire or getting a tow to the repair shop.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage steps in to fill any liability coverage if you’re hit by someone without insurance or enough insurance to pay for the damage.
Personal injury protection (PIP) coverage
PIP insurance covers any medical expenses, funeral costs, and lost wages for you and your passengers if you’re involved in a car crash.
Cheapest car insurance for drivers with an incident
People with negative marks on their driving record generally pay the highest rates on their auto insurance policies. As the seriousness of the infraction increases, so do your average annual rates. At-fault accidents are more serious than speeding tickets, and being convicted of driving under the influence (DUI) usually results in the biggest price increase of all. In some cases, your insurer may drop you altogether.
An insurance agency will typically charge more for coverage (if it even offers you a policy at all) in case you repeat the same mistake again, potentially costing it more money in payouts. The company passes that cost onto you in the form of higher rates.
The table below shows how different incident types affect the rates you’ll pay for insurance in Allentown.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $60 | $72 | $77 | $95 |
| Mile Auto | $61 | $77 | $83 | $97 |
| Erie | $69 | $86 | $91 | $110 |
| Auto-Owners | $74 | $91 | $96 | $117 |
| National General | $78 | $96 | $101 | $124 |
| Foremost | $81 | $107 | $112 | $129 |
| Travelers | $89 | $109 | $116 | $141 |
| GEICO | $93 | $113 | $120 | $148 |
| Progressive | $93 | $113 | $122 | $148 |
| Safeco | $96 | $119 | $121 | $152 |
| Allstate | $104 | $127 | $134 | $165 |
| Plymouth Rock | $111 | $146 | $154 | $176 |
| Direct Auto | $112 | $136 | $148 | $178 |
| The General | $112 | $138 | $147 | $178 |
| Nationwide | $117 | $144 | $153 | $186 |
| USAA | $121 | $147 | $156 | $192 |
| Chubb | $139 | $172 | $181 | $221 |
| Dairyland | $143 | $175 | $184 | $227 |
| Liberty Mutual | $146 | $194 | $203 | $232 |
| Bristol West | $152 | $185 | $195 | $241 |
| State Auto | $163 | $217 | $231 | $259 |
| CSAA | $175 | $218 | $236 | $278 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age is another key factor that affects your car insurance rates, and insurance companies typically charge higher rates for the youngest and oldest motorists. That’s because your likelihood of getting into a car accident is typically at its lowest between ages 35 and 70, when you’re mature enough to make good decisions and physically and mentally sound enough to act on them.
Here, you can see how age affects your rates in Allentown.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $373 |
| 20s | $462 |
| 30s | $431 |
| 40s | $365 |
| 50s | $273 |
| 60s | $192 |
| 70s | $144 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Allentown car insurance quotes by credit tier
Insurance agents will also review your credit history when you apply for car insurance, because statistically speaking, people with good credit tend to drive better compared to people with poor credit.
The following table shows the average rates for Allentown drivers based on their credit profiles. Drivers with excellent credit pay about half as much as drivers with poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allentown car insurance FAQs
Looking for more information to help you find the cheapest car insurance in Allentown? Consult the answers below.
How much is car insurance in Allentown?
The average rate for car insurance in Allentown is $164. The average rate for liability car insurance is $96 per month, and the average rate for full-coverage car insurance is $231 per month.
Which company has the cheapest car insurance in Allentown?
State Farm offers the cheapest auto insurance in Allentown, at a rate of $60 per month. Mile Auto and Erie also offer cheap car insurance in Allentown, with monthly rates of $61 and $69, respectively.
What are the best car insurance companies in Allentown?
Mile Auto, State Farm, and Clearcover are three of the top insurers in Allentown.
Mile Auto can offer big savings for people who drive infrequently, and Clearcover is known for its fast claims processing. The company can pay your claim in as little as seven minutes. State Farm is the nation’s largest insurer and has been recognized for its financial stability and customer service.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Pennsylvania
Sources
- Insurance Research Council. "Auto Insurance Affordability: Countrywide Trends and State Comparisons."
- Pennsylvania Dept. of Labor and Industry. "Lehigh County Combined Government Ownerships."
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2022 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
- NAIC. "Results by Complaint Index."
- PennDOT. "Insurance Overview Financial Responsibility."
- Pennsylvania Insurance Department. "Automobile Insurance in Pennsylvania."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
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