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When it comes to making your insurance policy more affordable, another game-winning move you should consider is to keep your eyes out for policy offers that better suit your pocketbook.
The average cost of Pennsylvania car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Allentown, PA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Allentown for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 State Farm | $94/mo |
 Progressive | $96/mo |
 Travelers | $150/mo |
 GEICO | $159/mo |
 American Family | $176/mo |
| Best Companies | ||
|---|---|---|
American Family | $195/mo | |
 Safeco | $142/mo | |
 Liberty Mutual | $179/mo | |
Travelers | $106/mo |
Pennsylvania Cities | |
|---|---|
| Philadelphia | $246/mo |
| Pittsburgh | $144/mo |
| Erie | $137/mo |
| Reading | $157/mo |
| Allentown | $153/mo |
| Pennsylvania | $167/mo |
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All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability insurance requirements for private passenger vehicles in Pennsylvania are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Pennsylvania state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Pennsylvania law.
The state minimum amount of property damage liability coverage required in the state of Pennsylvania is $5,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
The minimum requirements in Pennsylvania include $5,000 first-party benefits towards medical expenses per accident. Insurance companies offer higher limits of up to $100,000 per accident.
Pennsylvania is the only state in the country that requires “first-party benefits coverage.” These benefits act as coverage in an accident regardless of fault.
Getting older has its perks in Allentown, at least when it comes to the car insurance rates you’ll pay. Young drivers here are hit the hardest, with prices that average around $316 due to their inexperience on the road. Once residents reach age 30, their rates are nearly cut in half to about $158. Drivers will notice their rates get lower and lower with each passing decade, and if you’re still behind the wheel at 80, you can expect to pay a mere $116 on average.
| Driver's Age | |
|---|---|
| teens | $317 |
| 20s | $203 |
| 30s | $159 |
| 40s | $176 |
| 50s | $123 |
| 60s | $154 |
| 70s | $129 |
| 80s | $117 |
| Driving History | |
|---|---|
| No Violation | $183 |
| Speeding Ticket | $227 |
| At-Fault Accident | $238 |
| Failure to Stop for Red Light / Stop Sign | $224 |
It can be stressful to get in an accident or receive a moving violation, but if you live in Allentown, your car insurance rates changing should be the least of your worries. Those with a clean driving record tend to pay around $182 and find that rates only jump up a bit after speeding, an at-fault accident, or failing to stop at a stop sign. Prices tend to average $226, $237, and $223, respectively, making only a minor change to your insurance budget.
While there are actually four credit tiers, drivers in Allentown tend to pay one of two prices for car insurance rates. Motorists who have poor or average credit can expect their premium to be right around $198 or $194, respectively. Once you reach the good tier, prices drop to $178. Those with excellent credit are charged $172 for their car insurance. Most drivers in Allentown fall into the average category and more than double those with excellent credit.
| Credit Tie | |
|---|---|
| Excellent | $173 |
| Good | $179 |
| Average | $195 |
| Poor | $199 |
In Pennsylvania, the DMV is also referred to as PennDot (Pennsylvania Department of Transportation) and Driver Services. The website gives notice of any operational changes, so you should definitely keep up with that, but sites to serve your vehicle needs are open from 9 to 5, with varying morning and weekend hours. You can always find your nearest open location at dmv.pa.gov or browse online services to get your DMV business done without the wait.
As the song goes, it’s hard to keep a good man down in Allentown—or stuck in one place with all the various transportation options available. The best way to get around the immediate area of Allentown is by taxi, while the Lehigh and Northampton Transportation Authority operates a network of public bus routes throughout the city. A few small bikesharing programs are scattered throughout the city as well. Prefer four wheels to two? You can also arrange a Lyft or Uber.
Nothing is hidden anymore in Allentown—from catching a baseball game at Coca-Cola Park to feeding your brain at the Da Vinci Science Center, it’s all out in the open for everyone to enjoy.
Games are fun when you’re a kid, but playing games with insurance when you’re a grown-up? Not going to happen. If you want the cheapest quotes from both small and large insurance carriers without the run-around, going online and using Insurify is most definitely your best insurance move to date.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Allentown drivers measure up to their fellow Pennsylvania motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Allentown drivers rank 17 in the number of car accidents per driver across all cities in Pennsylvania.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Pennsylvania, Allentown drivers rank 16 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Allentown drivers rank 21 in the number of DUI’s per driver across all cities in Pennsylvania.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Allentown is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Pennsylvania, Allentown drivers rank 4 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Allentown drivers rank 6 in clean driving records across all cities in Pennsylvania.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Allentown drivers rank 10 in failure to yield violations per driver across all cities in Pennsylvania.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Pennsylvania, Allentown drivers rank 7 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Allentown drivers rank 25 in hybrid and electric vehicle ownership across all cities in Pennsylvania.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
