Best Auto Insurance Rates in Bethlehem, Pennsylvania

On average, your neighbors pay $73 a month.

Compare Auto Insurance in Bethlehem

Bethlehem is a city rich in history. A perfect example: for many years, it was home to the Bethlehem Steel Corporation. Since filing for bankruptcy in 2001, its grounds have been used to film numerous movie scenes, like one that appeared in the second Transformers flick.

It's not hard to find beauty in a city like Bethlehem, filled as it is with so much history. It’s also not hard to find cheap car insurance rates in Bethlehem—not with QuoteWizard around, anyway.

Average Bethlehem Car Insurance Rates

How much is car insurance in Bethlehem, PA? You won't be surprised to learn that rates here are expensive. Many Bethlehem 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.

Your rates 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

With QuoteWizard, you can compare quotes from a number of insurance carriers and local independent agents. Comparing quotes can help you find cheap car insurance rates near Bethlehem, Pennsylvania and save up to 40% on your premium.

Last year, 1,321 people used QuoteWizard to compare car insurance quotes in Bethlehem, PA from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Bethlehem, PA

These were the most common car insurance companies reported by QuoteWizard users living in Bethlehem last year. Out of those 1,321 people, only 37 did not have insurance.

Top 10 Vehicles

These are the most common car makes and models owned by Bethlehem drivers who requested quotes through QuoteWizard last year.

  1. Honda CR-V EX/LX
  2. Ford F150
  3. Chevrolet Cavalier
  4. Honda Accord EX
  5. Honda Civic EX
  6. Ford Fusion SE
  7. Ford Explorer
  8. Hyundai Elantra GLS
  9. Toyota Camry/SE/LE/XLE
  10. Chevrolet Malibu

Minimum Car Insurance Requirements in Bethlehem, PA

Bethlehem, 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 you insurance rates.


Bethlehem, PA has a “humid continental” climate. That means summers are warm without a dry season. The city enjoys about 202 days a year with full or partial sunshine. Residents also can expect to see around 102 days with some sort of precipitation. The winters here can get chilly, and snow is common. On average, Bethlehem experiences 26 inches of snowfall annually.

Road Conditions

TRIP reports that 62 percent of the major roads in the Allentown-Bethlehem area are in poor or mediocre condition. These pothole-filled streets cost drivers $535 a year in extra vehicle operating costs. Rough roads can damage cars and can play a role in car accidents.

If you want to report a pothole problem in Bethlehem, call Public Works at 610-865-7053.

Traffic Congestion

According to Inrix 2015 Scorecard, the Allentown-Bethlehem area suffers from bad traffic congestion. 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, Lehigh Valley commuters spend an extra $694 in congestion costs.

Moving Violations

Moving violations like drunk driving, running a red light, accidents, and speeding tickets will give you expensive insurance rates. When this happens, it'd a good idea to buy affordable high-risk insurance coverage

Traffic Tickets

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

Driving Under the Influence

A DUI in the state Pennsylvania can cost anywhere from $500 to $10,000 depending on if it’s your first offense or not. It will cost you a lot less in the long run to call a taxi or any other ridesharing service than to risk a DUI.

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 Bethlehem DUI insurance.

DWI Crashes and Injuries

Bethlehem reported 82 crashes involving alcohol or drugs in 2017. These accidents caused 38 injuries and one fatality.

Car Accident Statistics

Bethlehem officials reported 844 car crashes in 2017. These crashes resulted in 449 injuries, 12 of them serious.

Car Accident Fatalities

Bethlehem reported five car accident fatalities in 2017. All traffic deaths are a tragic loss, and considering the estimated population of 75,707, Bethlehem, PA is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Bethlehem reported 51 motor vehicle thefts in 2017, a rate of 0.67 per 1,000 people. This is far below the national average of 2.37 auto thefts per 1,000 people.

Car Insurance Discounts

If you want affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Bethlehem, PA.

  1. Are you married or getting married soon? Some insurers offer a discount to married couples
  2. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Take a defensive driving course from an accredited driving safety school

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