Best Auto Insurance Rates in Allentown, Pennsylvania

On average, your neighbors pay $73 a month.

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Compare Auto Insurance in Allentown

Friday, January 11 2019 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
Source: Facts + Statistics: Auto insurance

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.

Pennsylvania average car insurance rates

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.

  1. State Farm
  2. Progressive
  3. GEICO
  4. Allstate
  5. Nationwide
  6. Liberty Mutual
  7. Farmers
  8. AAA
  9. Erie
  10. Esurance
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles

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

  1. Honda Accord EX/LX/DX
  2. Honda Civic EX/LX/DX
  3. Ford Explorer
  4. Chevrolet Impala
  5. Honda CR-V EX
  6. Jeep Grand Cherokee Laredo
  7. Toyota RAV4
  8. Ford F150
  9. Ford Taurus SE
  10. Dodge Caravan
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

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.

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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 27 percent of the major roads here are in poor condition. Another 27 percent are mediocre. These pothole-filled streets costs drivers $555 a year in extra vehicle operating costs. Rough roads can damage cars and play a role in traffic accidents.

Traffic Congestion

According to Inrix, Allentown, PA ranks 123rd for worst traffic congestion in the US. Commuters here spend an extra 13 hours or five percent of their driving time annually stuck in traffic.

Moving Violations

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

Traffic Tickets

The 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.

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.

DUI Crashes and Injuries

Allentown reported 118 crashes involving alcohol or drugs in 2017. These accidents caused 53 injuries and two fatalities.

Car Accident Statistics

Allentown officials reported 1,751 car crashes in 2017. These crashes resulted in 847 injuries, 23 of them serious.

Car Accident Fatalities

Allentown reported six car accident fatalities in 2017. All traffic deaths are a tragic loss, and considering Allentown's estimated population of 121,283, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Allentown officials reported 327 vehicle thefts in 2017. That's a rate of 2.70 thefts per 1,000 residents. That’s slightly above the US average, which is 2.37 car thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable 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. Take a defensive driving course at an accredited driving school
  2. 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
  3. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  4. 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
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. Drive less. Live close to work and get the low mileage discount

Sources:

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