Cheapest Auto Insurance in Wilkes-Barre, Pennsylvania (2024)
Wilkes-Barre drivers can secure cheap coverage through State Farm, with monthly rates as low as $51.
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Updated October 30, 2024
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Table of contents
Drivers in Wilkes-Barre pay an overall average of $141 per month for car insurance, similar to Pennsylvania’s state average of $132 per month and lower than the national monthly average of $158. Pennsylvania has a relatively small number of uninsured drivers, which could help keep rates low.
Here’s what you need to know about comparing quotes and saving money on your auto policy in Wilkes-Barre.
Quick Facts
When shopping for cheap car insurance in Wilkes-Barre, you’ll likely find the lowest prices with State Farm, Mile Auto, and Erie.
Full-coverage and liability-only policies cost an average of $179 and $103 per month in Wilkes-Barre.
Pennsylvania is a “choice” no-fault state that allows drivers to use a tort system for additional insurance payouts in some cases.
3 of the cheapest car insurance companies in Wilkes-Barre
Finding the cheapest car insurance will depend on your specific needs. While some companies offer overall lower rates than others, you may find a different company better meets your coverage needs. Taking time to look at your options can help you make an educated decision that helps you save money and get the best coverage possible.
Here are a few of the cheapest policies available for drivers in Wilkes-Barre based on different situations.
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 | Cheap rates |
| Travelers | 9.0 | $160 | $76 | Teen drivers |
| Foremost | 7.4 | $218 | $76 | Drivers with an accident |
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 cheap rates: 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. | $51/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. | $97/mo |
A well-established company in the insurance industry, State Farm provides some of the cheapest auto coverage in Wilkes-Barre. The company offers standard auto coverage options as well as some additional insurance products. State Farm advertises 10 available discounts for customers to save with, too.
Pros
AM Best financial strength rating of A++ (Superior)
Many available discounts
Cons
Gap insurance not available
Low customer satisfaction ratings
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 teen drivers: Travelers
TravelersCompare personalized, real-time quotes
| User Reviews | 3.4 |
|---|---|
| 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. | $77/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. | $146/mo |
Travelers offer policies for home, auto, renters, and recreation vehicles. The company offers competitive rates, even for drivers with spotty records. And eligible teenagers can earn good student, student away-at-school, and driver training discounts.
Pros
Lower rates than national average
At least 12 available discounts
Cons
Many negative reviews online
Low Better Business Bureau (BBB) ratings
Read more driver reviews of Travelers
Vicki - October 27, 2024
Verified
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy - October 23, 2024
Verified
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie - October 21, 2024
Verified
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
…
Best insurer for drivers with an accident: Foremost
ForemostCompare personalized, real-time quotes
| User Reviews | 2.8 |
|---|---|
| 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. | 7.4/10 |
| 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. | $69/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. | $180/mo |
Founded in 1952, Foremost initially offered insurance for mobile homes. Farmers Insurance purchased Foremost in 2000, which allowed Foremost to expand its services. The company now offers a wide range of insurance products, including mobile home insurance, auto insurance, and commercial auto products for small businesses.
Pros
AARP-endorsed mobile home and motorcycle coverage
Provides coverage for drivers who may otherwise have a tough time finding a policy
Cons
Frequent customer complaints about claim processing timelines
Auto insurance quotes not available online
Read more driver reviews of Foremost
Barbara - October 22, 2024
Verified
Foremost Takes Care of My Home
I haven't had much contact with Foremost, but the interactions I've had have been very good and professional.
Tayla - October 8, 2024
Verified
Average
I could never get a hold of anyone.
Jessica - September 10, 2024
Verified
Somewhat Fair
During the COVID period, they didn't come out to my home for a claim. I feel they should have covered it based just on pictures.
How to get the cheapest car insurance in Wilkes-Barre
When you’re looking for cheap car insurance, you should consider a few different ways you can save money. Beginning the shopping process with some knowledge can help you get the best deal for the coverage you need.
Insurers consider several factors when determining insurance rates, including your driving record, age, location, vehicle type, and average mileage. For example, drivers in urban areas may pay elevated rates because accidents occur more frequently in heavy traffic.
If you want to save money on car insurance, try the following tactics:
Compare rates from multiple companies. Look at different rates and coverage types from at least three companies. Comparing rates helps ensure you get the best coverage for your needs.
Look for discounts through work or school. Check with your employer to see if it partners with specific companies for discounted policies. If you’re a student with good grades, you may also qualify for lower rates.
Bundle your home and auto policies. You can often combine your homeowners or renters insurance with your auto policy for a discount.
Improve your credit score. Insurance companies may use your credit history when determining your rates. You can improve your credit score by paying off debt, reducing your debt-to-income ratio, and paying your bills on time.
Find Cheap Car Insurance in Wilkes-Barre
Liability rates start at $51 per month
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Cheapest liability-only car insurance in Wilkes-Barre: State Farm
Liability insurance is often the cheapest coverage option for drivers. If you have a loan on your vehicle or are leasing it, your lender or leasing company will require you to purchase full coverage. Liability insurance provides coverage for the other driver and their property if you cause injury or damage in an at-fault accident. It doesn’t cover you, your passengers, or your vehicle in an accident.[1] Liability-only policies typically work best for drivers with older, less-expensive, and paid-off vehicles.
In Wilkes-Barre, the average cost of liability-only insurance is $103 per month. The table below provides a list of insurance companies that offer the cheapest liability rates.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $51 |
| Mile Auto | $52 |
| Erie | $59 |
| Auto-Owners | $63 |
| National General | $67 |
| Foremost | $69 |
| Travelers | $77 |
| GEICO | $80 |
| Progressive | $80 |
| Safeco | $83 |
| Allstate | $90 |
| Plymouth Rock | $96 |
| Direct Auto | $97 |
| The General | $97 |
| Nationwide | $101 |
| USAA | $104 |
| Chubb | $120 |
| Dairyland | $123 |
| Liberty Mutual | $126 |
| Bristol West | $131 |
| State Auto | $140 |
| CSAA | $150 |
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 Wilkes-Barre: Mile Auto
Full-coverage insurance provides the most coverage for your vehicle and passengers in an accident. This coverage includes collision insurance and covers both personal costs and costs to other parties. A full-coverage policy with comprehensive coverage also provides additional protections against damages from storms, debris, theft, or vandalism.
Monthly, Wilkes-Barre drivers pay an average of $179 for full-coverage policies.
If you lease or finance your car, your lender may require you to maintain a full-coverage policy until you pay off your vehicle. You also may want to consider a full-coverage policy to protect against costs associated with an accident if you don’t have the cash on hand to replace your vehicle. Find which insurance companies offer the cheapest rates for full coverage in the table 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 | $71 |
| State Farm | $97 |
| Erie | $112 |
| Auto-Owners | $121 |
| Plymouth Rock | $133 |
| Midvale Home & Auto | $135 |
| Safeco | $135 |
| Travelers | $146 |
| GEICO | $150 |
| Progressive | $151 |
| Allstate | $169 |
| Liberty Mutual | $173 |
| National General | $173 |
| Foremost | $180 |
| CSAA | $182 |
| Direct Auto | $187 |
| Nationwide | $192 |
| USAA | $197 |
| State Auto | $217 |
| Chubb | $229 |
| The General | $241 |
| Bristol West | $244 |
| Infinity | $248 |
| Dairyland | $285 |
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 Wilkes Barre, Pennsylvania
Recent Wilkes Barre, Pennsylvania car insurance prices for Mazda, Ford, Hyundai , and more.
*Quotes generated for Insurify users in and around Wilkes Barre, 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 Wilkes Barre, 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
Like most states, Pennsylvania requires drivers to maintain a minimum amount of liability coverage for their vehicle. If you’re pulled over without insurance, you’ll have to pay a fee of at least $300 and could face a license suspension. In addition to bodily damage and property damage liability, Pennsylvania drivers must pay for medical benefits coverage.
Medical benefits coverage pays for medical expenses for you and anyone else covered under your policy after an accident, regardless of fault.[2]
Pennsylvania is a choice no-fault state, which means drivers can decide whether they want to purchase tort coverage to help them get additional payouts from a driver responsible for an accident.
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 per accident |
Optional coverages typically available in Pennsylvania include:
Uninsured/underinsured motorist (UM/UIM) coverage
This provides coverage to you and your passengers if you face injury from an accident caused by an uninsured or underinsured driver. UM/UIM stacking allows you to purchase uninsured and underinsured motorist coverage for multiple vehicles on one policy.
Income loss
This pays a portion of lost wages due to injuries from an auto accident preventing you from working.
Collision coverage
This coverage pays for repairs to your vehicle following an auto accident or collision with another object.
Comprehensive coverage
This covers costs associated with non-collision incidents, including damage from fire, vandalism, natural disaster, and more.[3]
Extraordinary medical benefits
This offers coverage for medical and rehabilitation costs that exceed $100,000.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record could pay a higher rate than drivers with a clean record. Insurers view drivers with a history of claims and incidents — like at-fault accidents, speeding tickets, DUIs, and other moving violations — as higher risk. Other events, like accidents you didn’t cause or parking tickets, don’t have much of an effect.
The type of incident on your record can affect how much your rate increases.
Find Car Insurance in Wilkes-Barre
Monthly rates start at $60 for drivers with an incident
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Cheapest car insurance for drivers with speeding tickets: Mile Auto
Drivers with a speeding ticket may pay slightly higher rates than drivers with a clean record. A history of speeding tickets could indicate to insurance companies that you’re a higher risk to insure.
Wilkes-Barre drivers with a ticket pay a monthly average of $129 and $225 for liability and full-coverage car insurance. The liability rates below are slightly higher than what a driver with a clean record would pay for the same policy.
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 ▲▼ |
|---|---|---|
| State Farm | $51 | $62 |
| Erie | $59 | $74 |
| Auto-Owners | $63 | $77 |
| National General | $67 | $82 |
| Foremost | $69 | $91 |
| Travelers | $77 | $95 |
| GEICO | $80 | $98 |
| Progressive | $80 | $97 |
| Safeco | $83 | $103 |
| Allstate | $90 | $110 |
| Plymouth Rock | $96 | $126 |
| Direct Auto | $97 | $118 |
| The General | $97 | $120 |
| Nationwide | $101 | $124 |
| USAA | $104 | $127 |
| Chubb | $120 | $149 |
| Dairyland | $123 | $150 |
| Liberty Mutual | $126 | $167 |
| Bristol West | $131 | $160 |
| State Auto | $140 | $186 |
| CSAA | $150 | $187 |
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 car insurance for drivers with an at-fault accident: Mile Auto
Insurance companies view drivers with an accident on their record as a higher-risk driver more likely to file future claims. If you have an accident, you’ll likely receive points on your driving record and see increased rates compared to drivers with clean records.
Drivers in Wilkes-Barre with an accident on their record pay an average of $136 per month for liability-only car insurance and $237 per month for full coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $51 | $65 |
| Erie | $59 | $78 |
| Auto-Owners | $63 | $82 |
| National General | $67 | $87 |
| Foremost | $69 | $96 |
| Travelers | $77 | $100 |
| GEICO | $80 | $104 |
| Progressive | $80 | $105 |
| Safeco | $83 | $105 |
| Allstate | $90 | $116 |
| Plymouth Rock | $96 | $133 |
| Direct Auto | $97 | $128 |
| The General | $97 | $127 |
| Nationwide | $101 | $132 |
| USAA | $104 | $134 |
| Chubb | $120 | $156 |
| Dairyland | $123 | $158 |
| Liberty Mutual | $126 | $175 |
| Bristol West | $131 | $168 |
| State Auto | $140 | $199 |
| CSAA | $150 | $202 |
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 car insurance for drivers with a DUI: State Farm
You’ll pay a significantly higher rate for insurance if you have a DUI In Pennsylvania, and you’ll also likely face license suspension or temporary revocation.
Though Pennsylvania doesn’t require SR-22 policies for drivers with a DUI conviction, the state does have strict laws that include fines, license suspension, probation, and mandatory alcohol treatment programs.[4] Drivers in Wilkes-Barre with a DUI pay a monthly average of $157 for liability policies and $273 for full coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $51 | $81 |
| Erie | $59 | $94 |
| Auto-Owners | $63 | $100 |
| National General | $67 | $106 |
| Foremost | $69 | $110 |
| Travelers | $77 | $122 |
| GEICO | $80 | $127 |
| Progressive | $80 | $127 |
| Safeco | $83 | $132 |
| Allstate | $90 | $143 |
| Plymouth Rock | $96 | $152 |
| Direct Auto | $97 | $154 |
| The General | $97 | $154 |
| Nationwide | $101 | $160 |
| USAA | $104 | $165 |
| Chubb | $120 | $191 |
| Dairyland | $123 | $195 |
| Liberty Mutual | $126 | $200 |
| Bristol West | $131 | $208 |
| State Auto | $140 | $222 |
| CSAA | $150 | $238 |
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 car insurance for seniors: State Farm
Insurance companies consider your age when determining your auto premium. Costs generally decrease for drivers with age. In particular, you tend to benefit from low rates at age 35 and beyond until you reach 70. Senior drivers have higher crash death rates per mile driven, as well as potential physical barriers.[5]
Though senior drivers face slightly increased rates, you can still find affordable auto coverage. Senior drivers in Wilkes-Barre pay an overall average of $107 per month for car insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $51 | $38 |
| State Farm | $72 | $38 |
| Erie | $81 | $43 |
| Auto-Owners | $91 | $48 |
| Plymouth Rock | $97 | $70 |
| Progressive | $103 | $55 |
| Safeco | $109 | $67 |
| Travelers | $110 | $58 |
| GEICO | $115 | $61 |
| National General | $127 | $49 |
| Allstate | $130 | $69 |
| CSAA | $135 | $111 |
| Foremost | $137 | $53 |
| Nationwide | $137 | $72 |
| Liberty Mutual | $139 | $101 |
| Direct Auto | $140 | $73 |
| USAA | $151 | $80 |
| State Auto | $158 | $102 |
| Chubb | $160 | $84 |
| Bristol West | $187 | $101 |
| The General | $188 | $76 |
| Dairyland | $218 | $94 |
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 car insurance for teens: State Farm
Insurance rates for teen drivers are much higher than premiums for older drivers since younger drivers are less experienced and statistically more likely to get into accidents.
Average policies for teen drivers in Wilkes-Barre cost $223 per month. Teens may qualify for lower rates by staying on their parents’ insurance (including when they head off to college). Additionally, teens can save money by opting for a safer vehicle, completing approved driver education courses, and getting good grades in school.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $158 | $83 |
| Erie | $179 | $95 |
| Auto-Owners | $195 | $102 |
| GEICO | $226 | $120 |
| Travelers | $252 | $133 |
| Progressive | $257 | $136 |
| Plymouth Rock | $259 | $187 |
| Safeco | $259 | $159 |
| CSAA | $281 | $231 |
| Allstate | $285 | $152 |
| Liberty Mutual | $292 | $213 |
| Foremost | $305 | $117 |
| USAA | $313 | $165 |
| Nationwide | $316 | $166 |
| Direct Auto | $325 | $169 |
| National General | $327 | $127 |
| The General | $365 | $147 |
| State Auto | $368 | $238 |
| Bristol West | $393 | $211 |
| Chubb | $413 | $216 |
| Dairyland | $445 | $192 |
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.
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Wilkes-Barre car insurance quotes by credit tier
Pennsylvania allows insurance companies to use your credit history when initially determining your premium. Insurers can also use your credit history when you renew your policy, but only if doing so reduces your rates.[6]
Your credit score can affect your insurance rates because insurance companies may view your credit history as an indicator of your likelihood of filing claims. Drivers with excellent or good credit typically earn lower rates than people with poor credit.
The chart below shows the average rates drivers in Wilkes-Barre pay for full-coverage auto policies based on credit tier. The rates may vary depending on where you live and what insurance company you receive coverage from.
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.
Is car insurance more expensive in Wilkes-Barre?
On average, drivers in Wilkes-Barre pay $103 per month for liability insurance and $179 for full-coverage insurance. In comparison to the state average — with monthly average rates of $91 for liability only and $174 for full coverage — Wilkes-Barre drivers pay a similar amount.
Auto rates within Pennsylvania may also vary based on where you live. For example, drivers in Wilkes-Barre pay less than drivers in Philadelphia, Pittsburgh, Reading, and Allentown, on average. Wilkes-Barre may have lower auto rates than other areas of the state since the community has a population of just under 45,000.
More cities in Pennsylvania
Here’s how the average cost of car insurance in Wilkes-Barre compares to other Pennsylvania cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Allentown | $231 | $96 |
| Bethlehem | $193 | $100 |
| Erie | $151 | $87 |
| Harrisburg | $170 | $87 |
| Lancaster | $155 | $82 |
| Philadelphia | $316 | $174 |
| Pittsburgh | $200 | $98 |
| Reading | $200 | $102 |
| York | $170 | $84 |
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.
Wilkes-Barre car insurance FAQs
Finding the right car insurance takes a little time. The following information should help you navigate the process of finding car insurance in Wilkes-Barre.
How much is car insurance in Wilkes-Barre?
Wilkes-Barre drivers pay an overall average of $141 per month for car insurance. Full coverage costs $179 per month, and liability coverage costs $103 per month. Your rates will depend on your driving history, age, insurer, coverage, and more.
Which company has the cheapest car insurance in Wilkes-Barre?
State Farm, Mile Auto, and Erie have the cheapest car insurance rates in Wilkes-Barre. Their monthly rates start at $51, $52, and $59.
What are the best car insurance companies in Wilkes-Barre?
With an IQ Score of 9.3 out of 5, the cheapest auto rates by coverage level, and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Wilkes-Barre.
Erie and Travelers also earned high IQ Scores — of 9.0 and 9.0, respectively — and provide quality auto coverage.
Does Pennsylvania ever require SR-22 insurance?
No. Pennsylvania never requires SR-22 insurance, but drivers with a DUI conviction face penalties, including fines, license suspension, probation, and mandatory alcohol-treatment programs. All drivers in the state must maintain the minimum liability insurance.
Do you need a car to get around Wilkes-Barre, Pennsylvania?
Yes. Most people need a car to comfortably get around Wilkes-Barre. The city has some public transportation run by the Luzerne County Transportation Authority, but the routes don’t provide complete access throughout the city.
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.
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Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Pennsylvania Department of Transportation. ".08 DUI Legislation."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Pennsylvania Insurance Department. "How Credit Relates to Insurance: A Fact Sheet for Pennsylvania Consumers."
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Angela Brown
Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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