Best Auto Insurance Rates in Bethlehem, Pennsylvania

On average, your neighbors pay $73 a month.

See Your Rates

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 in Bethlehem

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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

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 drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

Weather

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 make a high-risk driver with a bad driving record and expensive insurance rates.

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.

In 2013, the Lehigh County District Court filed 55,594 traffic cases.

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.

Car Accident Fatalities

Lehigh County experienced an unfortunate 4,501 car accidents in 2014. Of those, 35 were fatal and nine of those fatalities were pedestrians.

Vehicle Theft Rates

Bethlehem reported 101 motor vehicle thefts in 2014, a rate of 1.34 per 1,000 people. This is well below the national average, which is 2.16 thefts per 1,000.

Save With 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. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  2. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  3. Are you married or getting married soon? Some insurers offer a discount to married couples
  4. 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
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  7. 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
  8. Maintain at least a B grade point average in school to qualify for the good student discount
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare low-cost Bethlehem car insurance quotes

Sources:

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.