On average, your neighbors pay $73 a month.
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.
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.
|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.
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.
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.
Other popular Harrisburg, Pennsylvania, car insurance companies: USAA, Travelers, MetLife, AIG, Hartford, Safeco, Country Financial, Amica, The General.
These are the most common car makes and models owned by Harrisburg drivers who requested quotes through QuoteWizard last year.
Harrisburg, Pennsylvania has a minimum liability coverage requirement known as the 15/30/5 rule. This means each policy must include at least:
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.
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.
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 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.
The Pennsylvania ePay website allows drivers to pay fines or fees to any county court.
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.
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.
Harrisburg reported 63 crashes involving alcohol or drugs in 2017. These accidents caused 25 injuries and ome fatality.
Harrisburg officials reported 810 car crashes in 2017. These crashes resulted in 363 injuries, 33 of them serious.
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.
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.
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.
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