120+ more*Quotes generated for Insurify users in and around Allentown, Pennsylvania within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Allentown, Pennsylvania within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
The average cost of car insurance in Allentown, Pennsylvania, is $153 per month. Drivers in Allentown pay a monthly average premium of $110 for state-minimum coverage and $196 for full coverage, though your exact price will depend on your rating factors.
In Pennsylvania, insurance is cheaper in Allentown than in nearby Philly, where drivers pay monthly averages of $165 and $288 for minimum and full coverage, likely due to higher rates of auto theft in the larger city.
But compared to average rates in Allentown, coverage is cheaper in Pottsville, which has a smaller population and fewer thefts. There, drivers pay an average of $78 per month for liability coverage and $144 for full coverage.
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Allentown drivers pay some of the highest rates statewide, behind drivers in Philadelphia and Chester, making it a good idea to compare quotes to find the cheapest coverage for your needs. Plymouth Rock, State Farm, and Erie are three of the cheapest auto insurers in Allentown.
Allentown drivers need to at least meet the Pennsylvania minimum insurance requirements of $15,000 per person and $30,000 per accident in bodily injury liability, $5,000 in property damage liability, and $5,000 in medical benefits coverage.[1]
Here are the cheapest liability car insurance rates in Allentown.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $56 |
| State Farm | $61 |
| Erie | $72 |
| National General | $72 |
| First Acceptance | $74 |
| Auto-Owners | $77 |
| Progressive | $79 |
| Allstate | $83 |
| The General | $84 |
| Travelers | $93 |
| GEICO | $97 |
| Safeco | $101 |
| Direct Auto | $102 |
| Bristol West | $115 |
| USAA | $126 |
| Root | $134 |
| Dairyland | $140 |
| Chubb | $146 |
| GAINSCO | $155 |
| Liberty Mutual | $157 |
| State Auto | $169 |
| CSAA | $205 |
In Allentown, 34% of drivers lease or finance their vehicles, according to Insurify data. Most drivers with a vehicle loan or lease must purchase collision and comprehensive coverage as part of their lender agreement.
But it’s a good idea to consider a full-coverage policy with liability, comprehensive, and collision coverage, even if you’re among the two-thirds of Allentown drivers with a paid-off car.
A full-coverage policy provides protection for collisions, vandalism, theft, and environmental damage, such as flooding. Allentown has a moderate flooding risk, with 11% of properties at risk of flooding during the next 30 years.[2]
The table below shows the cheapest rates for full-coverage car insurance in Allentown.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $101 |
| Erie | $117 |
| Auto-Owners | $125 |
| Plymouth Rock | $135 |
| Travelers | $152 |
| Allstate | $153 |
| National General | $157 |
| GEICO | $159 |
| Safeco | $160 |
| Liberty Mutual | $179 |
| First Acceptance | $183 |
| Progressive | $183 |
| Direct Auto | $199 |
| Bristol West | $205 |
| USAA | $205 |
| Root | $216 |
| Chubb | $237 |
| The General | $248 |
| State Auto | $276 |
| GAINSCO | $291 |
| CSAA | $294 |
| Dairyland | $339 |
Allentown ranks as a fairly expensive place to buy insurance when you zoom out to the rest of Pennsylvania.
But it’s still cheaper than coverage in Philadelphia County, where 6% of all accidents happened statewide in 2025.[3] But Allentown had 1,600 accidents within the city limits last year — much higher than other areas like nearby Pottsville, which saw only 121 accidents, according to data from the Pennsylvania Department of Transportation (PADOT).[4]
The following table shows average car insurance rates in different Pennsylvania cities.
City | Average Monthly Quote |
|---|---|
| State College | $96 |
| Hanover | $98 |
| Chambersburg | $109 |
| Altoona | $110 |
| Lancaster | $111 |
| Pottsville | $111 |
| Bethlehem | $116 |
| Erie | $119 |
| York | $120 |
| Wilkes-Barre | $121 |
| Harrisburg | $124 |
| Pittsburgh | $125 |
| Phoenixville | $130 |
| Scranton | $132 |
| Reading | $136 |
| Bristol | $149 |
| Chester | $196 |
| Philadelphia | $227 |
*Quotes generated for Insurify users in and around Allentown, Pennsylvania within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Allentown, Pennsylvania within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history has a big effect on your insurance premiums. Here are the cheapest car insurance companies for Allentown residents by driving record:
Cheapest car insurance for Allentown drivers with a clean driving record: Plymouth Rock
Cheapest car insurance for drivers with a speeding ticket in Allentown: Plymouth Rock
Cheapest car insurance for Allentown drivers with an at-fault accident: Plymouth Rock
Cheapest car insurance for drivers with a DUI in Allentown: Plymouth Rock
If you file a claim or have violations in your driving history, your car insurance company may increase your premium. About 2% of Allentown residents have a speeding ticket, and nearly 4% have an at-fault accident on their driving record, per Insurify data.
About 1% of drivers have a driving under the influence (DUI) conviction on their record. Last year, drunk drivers caused 97 accidents within Allentown city limits, according to PADOT data. High-risk drivers with serious violations will likely face the highest average rates, but Pennsylvania doesn’t require drivers to file an SR-22 form.
Below, you can see the average cost of car insurance for Allentown drivers by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $153 |
| Speeding ticket | $172 |
| At-fault accident | $189 |
| DUI | $246 |
Allentown had about 13 accidents per 1,000 residents in 2025, which is nearly 50% higher than the statewide rate of 8, according to data from PADOT and the U.S. Census Bureau. You may want to purchase a full-coverage policy to protect your vehicle in the event of a collision.
Floods are also a potential hazard in Allentown, since the Lehigh River goes through the northeastern part of town, collecting storm runoff from around the Lehigh Valley. This can cause severe damage to homes and businesses in this part of town.[5]
Drivers should know that Allentown has ample parking available downtown. Parking garages are abundant, with only 27% of available spots requiring off-street parking. The city has seven downtown parking garages and 21 parking lots throughout the city.[6]
Allentown’s industrial roots continue to thrive today, and that means plenty of manufactured goods and vehicles flow through the region every day, especially given the city’s location between Philly and New York. Parts of U.S. Route 22 alone through Allentown see nearly 100,000 cars pass by daily — that’s almost 80% of the people living within city limits.[7]
Parts of Allentown are safer to drive in than others, and insurance companies charge different rates depending on where you live, even down to your ZIP code. The intersections of Tilghman Street and Union Boulevard, as well as Hamilton Street and Boulevard, are particularly dangerous, according to a 2025 report. Together, these two areas saw 21% of all injury-causing accidents.[8]
Drivers aged 20 and younger caused 17% of Allentown car accidents in 2025, according to state data. That’s why insurance companies generally charge higher rates if you’re insuring a teen driver in your home. Older drivers typically pay lower rates, thanks to having more driving experience.
Teen drivers in Allentown pay monthly averages of $188 for liability coverage and $335 for full coverage.
Here are the cheapest liability insurance rates for teenage drivers in Allentown.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $97 |
| State Farm | $114 |
| Erie | $126 |
| First Acceptance | $126 |
| Progressive | $135 |
| National General | $138 |
| Allstate | $142 |
| The General | $146 |
| Auto-Owners | $150 |
| GEICO | $169 |
| Travelers | $186 |
| Direct Auto | $192 |
| Root | $194 |
| Bristol West | $196 |
| Safeco | $200 |
| USAA | $222 |
| Dairyland | $233 |
| GAINSCO | $261 |
| Liberty Mutual | $265 |
| Chubb | $287 |
| State Auto | $389 |
| CSAA | $476 |
Average liability quotes start at $56/mo.
In 2025, only six accidents in Allentown involved drivers 65 and older, according to PADOT data. Retired senior drivers benefit from more driving experience and not having to battle Allentown traffic to get to work every morning. Older drivers typically pay lower rates.
Liability policies for senior drivers in Allentown average $95 per month, and full-coverage policies average $170 monthly.
The table below shows the cheapest rates for senior drivers in Allentown.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $46 |
| State Farm | $48 |
| Erie | $55 |
| National General | $57 |
| Auto-Owners | $61 |
| First Acceptance | $64 |
| Progressive | $68 |
| The General | $71 |
| Allstate | $72 |
| Travelers | $75 |
| GEICO | $77 |
| Direct Auto | $83 |
| Safeco | $88 |
| Bristol West | $96 |
| USAA | $102 |
| Chubb | $110 |
| Dairyland | $119 |
| Root | $124 |
| State Auto | $128 |
| Liberty Mutual | $130 |
| GAINSCO | $133 |
| CSAA | $152 |
More than 200 auto insurance companies operate in Pennsylvania, according to state data. Getting insurance quotes from at least a few companies can help you save a lot of money. The following information can help answer your remaining questions about finding cheap car insurance in Allentown.
Allentown drivers pay an overall average of $153 per month for car insurance, according to Insurify data. The average monthly premium in Allentown is $110 for minimum auto coverage and $196 for full coverage.
Allentown has high accident rates due to the high traffic volume from the many highways and interstates surrounding the city. And 11% of properties in Allentown are at risk for flooding from the nearby Lehigh River. On a personal level, your driving record, age, and vehicle type will affect your car insurance rates.
Erie, State Farm, and Progressive are three of the best car insurance companies in Allentown. Erie and State Farm, in particular, receive excellent customer satisfaction rankings from J.D. Power.
Pennsylvania law requires insurers to offer a 5% discount to drivers 55 and older who complete a designated safe driver course.[9] You can also choose a higher deductible if you have a full-coverage policy.
Many insurers offer significant bundling discounts if you also buy a home insurance or renters insurance policy with your auto coverage. You should also always get a quote from multiple insurance companies to find the cheapest coverage for your needs.
Pennsylvania drivers must carry $15,000 per person and $30,000 per accident in bodily injury liability insurance, $5,000 in property damage liability coverage, and $5,000 in medical benefits coverage. In Pennsylvania, uninsured motorist coverage is optional.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
