Best Auto Insurance Rates in Harrisburg, Pennsylvania

On average, your neighbors pay $73 a month.

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Located conveniently on the Susquehanna River, Harrisburg may be small but shouldn’t be counted out. Not only is this small city Pennsylvania’s capital, but it’s also a hub filled with history and adventure. Residents and visitors alike can enjoy the Harrisburg Shakespeare Festival, the Susquehanna Museum of Art, and even Harrisburg Senators baseball games.

People in Harrisburg are used to variety and options. That’s just what they’ll get when they go shopping for cheap car insurance rates—especially if they use QuoteWizard.

Average Harrisburg Car Insurance Rates

How much is car insurance in Harrisburg, PA? It's probably not a shock to learn that rates here are expensive. Many drivers in Harrisburg pay 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

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

Last year, 1,554 people used QuoteWizard to compare car insurance quotes in Harrisburg, PA from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Harrisburg, PA

These were the most common car insurance companies reported by QuoteWizard users living in Harrisburg, PA last year. Out of those 1,554 people, 116 were uninsured.

  1. State Farm
  2. Progressive
  3. GEICO
  4. Nationwide
  5. Allstate
  6. Liberty Mutual
  7. Farmers
  8. Erie
  9. AAA
  10. Esurance

Other popular Harrisburg, Pennsylvania, car insurance companies: USAA, Travelers, MetLife, AIG, Hartford, Safeco, Country Financial, Amica, The General.

Top 10 Vehicles

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

  1. Honda Accord LX/EX
  2. Ford F150
  3. Honda Civic EX
  4. Toyota Camry LE/XLE/SE
  5. Chevrolet Impala
  6. Hyundai Sonata GLS
  7. Ford Fusion SE
  8. Chevrolet Malibu/ LS
  9. Chevrolet Cavalier
  10. Ford Escape XLT

Minimum Car Insurance Requirements in Harrisburg, PA

Harrisburg, 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 conditions can influence your insurance rates.


Like the rest of Pennsylvania, Harrisburg tends to have hot summers. Residents can expect around 193 sunny days each year. Of course, they also can expect about 125 days with some amount of precipitation. Winters here can be severe and can cause dangerous driving conditions. On average, Harrisburg sees around 33 inches of snowfall annually.

Road Conditions

According to TRIP, more than half of Harrisburg’s roads are in poor or mediocre condition. Only 22 percent of its roads are in good condition. These poorly maintained roads cost drivers upwards of $454 in extra vehicle operating costs.

Traffic Congestion

According to Inrix, Harrisburg ranks 138th for worst traffic congestion in the US. Local commuters spend 13 hours in traffic congestion each year. This extra time spent in traffic costs them around $562 per commuter annually. Between the extra cost for road conditions and for traffic congestion, finding affordable car insurance is important for Harrisburg drivers.  

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and raise your insurance rates. If this happens, you may need to buy high-risk insurance for bad drivers, also known as high-risk insurance.

Traffic Tickets

The Pennsylvania ePay website allows drivers to pay fines or fees to any county court.

Harrisburg DUIs

Getting a DUI can cause all kinds of problems. One is that it can increase your car insurance rates. After your rates go up, legal and financial woes can stick around for months. At the end of the day, a DUI can cost anywhere between $300 and $10,000.

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 Harrisburg DUI insurance.

DWI Crashes and Injuries

Harrisburg reported 63 crashes involving alcohol or drugs in 2017. These accidents caused 25 injuries and ome fatality.

Car Accident Statistics

Harrisburg officials reported 810 car crashes in 2017. These crashes resulted in 363 injuries, 33 of them serious.

Car Accident Fatalities

Harrisburg, PA reported eight car accident fatalities in 2017. All traffic deaths are a tragic loss, and considering Harrisburg's estimated population of 48,904, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Harrisburg Police reported 183 car thefts in 2017. A rate of 3.72 per 1,000 residents. This is far higher than the national rate 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 discounts available to drivers in Harrisburg, PA.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Install anti-theft devices or a car alarm system
  3. 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
  4. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Maintain at least a B grade point average in school to qualify for the good student discount

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