Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Updated October 30, 2024
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Bethlehem sits on the border of New Jersey and is home to Lehigh University. Drivers in the “Christmas City” experience high car insurance rates and pay an average of $100 per month for liability coverage and $193 per month for full coverage. This is more than the state averages of $91 for liability and $174 for full-coverage car insurance.
Insurers in Pennsylvania consider factors such as your driving record, credit history, and location when determining your premium, so rates can vary widely. Comparing car insurance quotes from multiple companies before buying a policy is the best way to secure a cheaper rate.
Here’s what to consider when shopping for the best car insurance in Bethlehem.
State Farm, Mile Auto, and Erie offer the cheapest rates in Bethlehem.
Bethlehem drivers pay an overall average of $1,758 per year for car insurance.
Pennsylvania is a no–fault state. Each driver’s insurer is responsible for paying their individual claims in the event of an accident, regardless of who’s at fault.
3 of the cheapest car insurance companies in Bethlehem
State Farm, Erie, and National General are three of the cheapest car insurance companies in Bethlehem. These three insurers are a good place to start if you’re looking for affordable coverage, but they may not be the cheapest for you because of your unique needs. Here, you can learn more about each of these insurers and their average statewide quotes.
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 ▲▼ |
---|---|---|---|---|
State Farm | 9.3 | $107 | $51 | Families |
Erie | 9.0 | $123 | $59 | Flexibility |
National General | 6.8 | $157 | $67 | High-risk drivers |
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 families: State Farm
User Reviews | 4.2 |
---|---|
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. | $54/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. | $101/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Jannie
October 29, 2024
Good
Marsha
October 29, 2024
Friendly agents!
Linda
October 29, 2024
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.
Bethlehem has a high percentage of families, which makes State Farm a great choice for many area residents.[1] State Farm offers numerous discounts for teen drivers, and people younger than 25 can enroll in State Farm’s Steer Clear program and earn a discount if they complete it.
AM Best financial strength rating of A++ (Superior)[2]
Offers various discounts and affordable rates
Doesn’t offer gap insurance
Rates are higher for high-risk drivers
Best insurer for flexibility: Erie
User Reviews | 4.1 |
---|---|
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. | 9.0 /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. | $62/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. | $117/mo |
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
Satina
October 28, 2024
Erie Insurance Unreliable
Lana
October 25, 2024
Expensive but Efficient Company
Shannon
October 19, 2024
Could be Better
Erie is a good fit for drivers who have unique insurance needs. Erie provides numerous coverage options and discounts, such as a diminishing deductible and first accident forgiveness. This is especially helpful considering Pennsylvania is a no-fault state, meaning each party’s insurance is responsible for its customer’s injury claims following an accident.[3]
AM Best financial strength rating of A+ (Superior)[4]
Offers flexible and customizable coverage
Available in only 12 states
Not the cheapest option
Best insurer for high-risk drivers: National General
User Reviews | 3.3 |
---|---|
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. | $70/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. | $181/mo |
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
Hungwah
October 29, 2024
Try a few other companies, but the prices quoted were not competitive
Tasha
October 28, 2024
Review of Current Insurance
Jean
October 28, 2024
Information Provided Upon Disaster
There were 42,409 DUI arrests in Pennsylvania in 2022, and companies consider drivers with a DUI to be high-risk.[5] National General is a good option if you’ve been deemed a high-risk driver, and the company will even file an SR-22 on your behalf if you have a DUI.
AM Best financial strength rating of A+ (Superior)[6]
Backed by Allstate
Not available in every state
Doesn’t offer gap insurance
How to get the cheapest car insurance in Bethlehem
The car insurance rates you pay in Bethlehem will depend on several factors, including your age, gender, driving record, credit history, location, and more.
Some of these factors are outside of your control, but you stand a good chance of lowering your rates by following these tips:
Compare quotes. It’s a good idea to get estimates from at least three companies before buying a car insurance policy. Compare quotes every year to ensure you’re getting the best deal, and read customer reviews of the companies you’re interested in before signing a policy.
Look for discounts. Take advantage of any discounts you qualify for, such as those for safe driving, vehicle safety features, auto and home insurance bundling, and more. Call an independent insurance agent to see if you qualify for any other discounts.
Maintain a good credit history. Insurers will consider your credit-based insurance score to determine how likely you are to file a claim. The better your credit history is, the less likely you are to file a claim and the lower your premium will be.
Raise your deductible. Increasing your deductible will lower your monthly premiums and can save you money. Just be sure you can pay the deductible out of pocket if you need to file a claim.
Cheapest liability-only car insurance in Bethlehem: State Farm
If you cause a car accident, liability insurance will cover the other party’s bodily injuries and property damage up to your insurance coverage limits. It won’t cover damage to your personal property or vehicle in the accident. It also won’t cover damage caused by weather-related incidents or vandalism.
Liability-only car insurance costs an average of $100 per month in Bethlehem. The table below highlights some of the cheapest insurers offering liability coverage in the city.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $54 |
Mile Auto | $55 |
Erie | $62 |
Auto-Owners | $66 |
National General | $70 |
Foremost | $72 |
Travelers | $80 |
GEICO | $83 |
Progressive | $83 |
Safeco | $86 |
Allstate | $93 |
Plymouth Rock | $100 |
Direct Auto | $101 |
The General | $101 |
Nationwide | $105 |
USAA | $108 |
Chubb | $125 |
Dairyland | $128 |
Liberty Mutual | $131 |
Bristol West | $137 |
State Auto | $146 |
CSAA | $156 |
Cheapest full-coverage car insurance in Bethlehem: Mile Auto
Full-coverage car insurance includes collision and comprehensive coverage. Full-coverage insurance isn’t required, but many lenders require you to carry it before they’ll offer you a loan. It can also be a good idea to carry full coverage if you can afford it to cover associated property damage losses if needed.
Full-coverage car insurance costs $193 per month in Bethlehem, on average. The table below shows some of the cheapest insurers for full-coverage car insurance in the city.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Mile Auto | $74 |
State Farm | $101 |
Erie | $117 |
Auto-Owners | $126 |
Plymouth Rock | $139 |
Midvale Home & Auto | $141 |
Safeco | $141 |
Travelers | $152 |
GEICO | $156 |
Progressive | $158 |
Allstate | $176 |
Liberty Mutual | $181 |
National General | $181 |
Foremost | $188 |
CSAA | $190 |
Direct Auto | $195 |
Nationwide | $201 |
USAA | $206 |
State Auto | $226 |
Chubb | $238 |
The General | $251 |
Bristol West | $254 |
Infinity | $258 |
Dairyland | $297 |
Cheapest recent rates near Bethlehem, Pennsylvania
Recent Bethlehem, Pennsylvania car insurance prices for Jeep, Ford, Mazda , and more.
*Quotes generated for Insurify users in and around Bethlehem, Pennsylvania within the last 10 days. Last updated on October 30, 2024
*Quotes generated for Insurify users in and around Bethlehem, Pennsylvania within the last 10 days. Last updated on October 30, 2024
Car insurance requirements in Pennsylvania
Pennsylvania is a no-fault state, meaning your insurer will cover your medical expenses after an accident, regardless of who was at fault. If you’re a driver in Pennsylvania, you’ll need to carry bodily injury and property damage liability coverage, as well as medical benefits insurance.
The table below outlines the minimum requirements for insurance coverage in Pennsylvania.
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $15,000 per person / $30,000 per accident |
Property damage liability | $5,000 per accident |
Medical benefits | $5,000 |
The coverages outlined above meet state minimum requirements. But you may want to further enhance your coverage with any of the optional coverages listed below:
Collision coverage
Collision insurance pays for damage from a collision with another vehicle or object, regardless of who was at fault.
Comprehensive coverage
Comprehensive insurance pays for damage from non-collision events, like theft, vandalism, or severe weather.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage kicks in if you get into an accident with an uninsured driver.
Roadside assistance coverage
Roadside assistance coverage provides towing and vehicle assistance services, such as jumping a dead battery or replacing a flat tire.
Cheapest car insurance for drivers with an incident
An incident in car insurance typically refers to a speeding ticket, at-fault accident, DUI, or other serious moving violation. Insurers see past incidents as an indication of future risky driving behavior, and your rates will generally increase as a result. For example, drivers with an incident on their record pay an average of $123 per month compared to a clean record rate of $100 per month.
Even if you’re considered a high-risk driver, you can still find cheap car insurance. The table below compares the cheapest rates for drivers with a clean record to rates after various incidents.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
State Farm | $54 | $65 | $69 | $86 |
Mile Auto | $55 | $69 | $75 | $87 |
Erie | $62 | $78 | $82 | $98 |
Auto-Owners | $66 | $81 | $85 | $105 |
National General | $70 | $86 | $91 | $111 |
Foremost | $72 | $95 | $100 | $114 |
Travelers | $80 | $98 | $104 | $127 |
GEICO | $83 | $101 | $108 | $132 |
Progressive | $83 | $101 | $109 | $132 |
Safeco | $86 | $106 | $108 | $137 |
Allstate | $93 | $113 | $120 | $148 |
Plymouth Rock | $100 | $131 | $139 | $159 |
Direct Auto | $101 | $123 | $133 | $160 |
The General | $101 | $125 | $133 | $160 |
Nationwide | $105 | $129 | $137 | $167 |
USAA | $108 | $131 | $140 | $171 |
Chubb | $125 | $155 | $163 | $198 |
Dairyland | $128 | $157 | $164 | $203 |
Liberty Mutual | $131 | $174 | $182 | $208 |
Bristol West | $137 | $167 | $176 | $217 |
State Auto | $146 | $194 | $207 | $232 |
CSAA | $156 | $195 | $210 | $248 |
Average cost of car insurance by age
Your age has a significant effect on how much you pay for car insurance. Young drivers pay the most due to their inexperience and risk-taking, while older, more seasoned drivers pay much more affordable rates.
Your car insurance rates will generally start to decrease around age 35. But once you reach 70, they’ll start to creep up again, as age-related risk factors come back into the picture.
The table below highlights car insurance rates by age in Bethlehem.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $387 |
20s | $279 |
30s | $229 |
40s | $200 |
50s | $180 |
60s | $168 |
70s | $157 |
Bethlehem car insurance quotes by credit tier
Your credit history can affect your car insurance rates in Pennsylvania. Insurers factor the information presented in your credit history into a credit-based insurance score, which they use to determine how likely you are to file a claim.
This means drivers with excellent credit pay much lower monthly premiums than drivers with poor credit.
Rates by Credit Tier
Bethlehem car insurance FAQs
Buying car insurance is an important financial decision. If you still have questions, the additional information below may help you make your decision.
How much is car insurance in Bethlehem?
On average, car insurance in Bethlehem costs $100 per month for liability-only coverage and $193 per month for full coverage.
Who has the cheapest car insurance in Bethlehem?
State Farm, Mile Auto, and Erie offer the cheapest liability rates in Bethlehem, at $54, $55, and $62, respectively.
Getting multiple car insurance quotes and comparing them is the best way to find an insurer that fits your needs and budget.
What are the best car insurance companies in Bethlehem?
State Farm, Erie, and National General are the best insurers in Bethlehem. Their average Pennsylvania liability rates are $51, $59, and $67 per month, respectively.
All three companies have high Insurify Quality Scores, at 9.3, 9.0, and 6.8, and they all have a financial strength rating of Superior from AM Best.
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
- Census.gov. "U.S. Census Bureau QuickFacts: Bethlehem city, Pennsylvania."
- Ambest.com. "AM Best Revises Outlooks to Negative for State Farm Mutual Automobile Insurance Company and Certain Subsidiaries."
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
- Ambest.com. "AM Best Affirms Credit Ratings of Erie Insurance Group’s Members and Erie Family Life Insurance Company."
- Pennsylvania Department of Transportation. "Impaired Driving Enforcement in Pennsylvania."
- Ambest.com. "National General Insurance Company."
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.