Best Auto Insurance Rates in Allentown, Pennsylvania

Compare Auto Insurance in Allentown

Wednesday, June 6 2018 By Shantae Young

With an estimated population of 120,443, Allentown is Pennsylvania’s third-largest city. That’s not all it has going for it, though. Allentown’s many exciting business districts—like Hamilton, Seventh Street, and West End—cause newcomers and long timers alike to flock to its downtown.

Unfortunately, Allentown’s proximity to Philadelphia and Pittsburgh also means residents who commute often have to deal with high car insurance rates.

Average Allentown Car Insurance Rates

How much is car insurance in Allentown, PA? You won't be surprised to learn that rates here are expensive. Many local drivers pay much more for coverage than the state and national average. The average cost of auto insurance in Pennsylvania is $878.18 per year. The national average price is $889.01.

Prices can vary depending on several factors. These include your driving record, claims history, your car make and model, and more.

Pennsylvania Average Annual Car Insurance Rates

Coverage	Rates
Liability	$499.06
Collision	$327.24
Comprehensive	$144.21
Total Cost Per Year	$878.18
Price Per Month	$73.18

The graph below shows the change in average Pennsylvania insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Pennsylvania car insurance rates increased from $812 in 2011 to $878 in 2015, a jump of $65, or 8.05 percent.

QuoteWizard connects consumers to insurance providers and helps them compare insurance quotes from top companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Allentown, Pennsylvania and save up to 40% on your premium.

Last year, 1,959 people used QuoteWizard to compare car insurance quotes in Allentown, PA from multiple companies.

Best Car Insurance Companies in Allentown, PA

This is our list of the most common car insurance companies reported by QuoteWizard users in Allentown last year. Out of those 1,959 people, only 68 were uninsured.

Top 10 Vehicles in Allentown

This is our list of the most common car makes and models owned by Allentown drivers who requested quotes through QuoteWizard last year.

Minimum Insurance Requirements in Allentown, PA

Allentown, Pennsylvania, has a minimum liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least:

• Individual Bodily Injury Liability (BIL): $15,000.
  The most your insurer will pay for a single person injured in a car accident.
• Total Bodily Injury Liability: $30,000.
  The most your insurance carrier will pay for every person injured in a car accident.
• Property Damage Liability (PDL): $5,000.
  The most your provider will pay for property damage caused by a car accident.
• Medical Payments: $5,000.
  This coverage pays for your medical expenses or any of your passengers who are hurt in an accident, regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

Weather

Allentown’s climate is “humid continental.” That means summers are hot and humid and there is no real dry season. The city enjoys around 201 days a year with full or partial sunshine. Its winters can be cold. Allentown experiences about 25 inches of snowfall annually.

Road Conditions

Most of Allentown’s roads are poorly maintained. TRIP reports that 62 percent of the major roads here are in poor or mediocre condition. These pothole-filled streets costs drivers $535 a year in extra vehicle operating costs. Rough roads can damage cars and play a role in traffic accidents.

In 2015, Allentown filled around 2,000 potholes by mid-March. If you would like to report a pothole problem, call Public Works at 610-250-6680.

Traffic Congestion

According to Inrix 2015 Scorecard, Allentown suffers from bad traffic congestion as well. Commuters spend an extra 30 hours annually stuck in traffic and waste an extra 15 gallons of gas. On top of the extra vehicle operating costs for poorly maintained roads, Allentown commuters spend an extra $694 in congestion costs.

Moving Violations

Moving violations like speeding tickets and accidents will give you a bad driving record, which can have a big impact on your insurance rates.

Traffic Tickets

Lehigh County Court website allows you to pay traffic summonses and parking tickets. It also informs drivers how to dispute tickets and provides helpful court information.

The Lehigh County District Court filed 55,594 traffic cases in 2013.

DUI Arrests

Allentown PD reported 431 arrests in 2014 for driving under the influence (DUI) or Driving While Intoxicated (DWI). This is a 24 percent increase from the 348 drivers arrested in 2013.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Allentown DUI insurance.

Texting Violations

The state of Pennsylvania doesn’t prohibit the use of cell phones by drivers on its roadways. Still, a 2012 law made it illegal to send and receive emails or text messages while operating a motor vehicle. In 2015, Lehigh County issued 73 citations for distracted driving—a 15 percent increase from 2014’s 62 citations.

Car Accident Fatalities

Lehigh County reported 4,501 car accidents in 2014. Of these, 35 were fatal and nine involved pedestrians.

Vehicle Theft Rates

Allentown officials reported 247 vehicle thefts in 2016. That's a rate of 2.05 thefts per 1,000 residents. That’s slightly below the US average, which is 2.20 car thefts per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to drivers in Allentown, PA.

1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
2. Take a defensive driving course at an accredited driving school
3. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
4. Remove full comprehensive coverage from your policy
5. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
6. Keep your driving history clean. Drivers without tickets or accidents on their record pay lower rates
7. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
8. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
9. Drive less. Live close to work and get the low mileage discount
10. Shop around and compare low-cost Allentown car insurance quotes

Sources:

• City of Allentown - PA - Official Site
• Pay Tickets Online - Allentown, Pennsylvania, Lehigh County Court 31-3-02 Faulkner
• Allentown Pennsylvania Crime Rates
• United States Census Bureau - Allentown, PA
• National Highway Traffic Safety Administration
• TRIP Urban Roads Report Appendices

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