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Cheap Auto Insurance Quotes in Allentown, PA (January 2022)
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Last Updated: January 2022
Known for winning one of most historical hide-and-seek games in the world, Allentown is the city that kept the Liberty Bell from being melted down into a cannon by the British. Nice play! But no one should play around with having vs. not having car insurance. It’s the law in Pennsylvania.
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.
Car Insurance in Allentown, PA
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.
$94
$96
$150
$159
$176
State FarmProgressiveTravelersGEICOAmerican Family
See More: Cheap Car Insurance Pennsylvania
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Cheapest Car Insurance in Allentown, PA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Allentown | |
|---|---|
 State Farm | $94/mo |
Progressive | $96/mo |
 Travelers | $150/mo |
GEICO | $159/mo |
 American Family | $176/mo |
Best Car Insurance in Allentown, PA
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Allentown. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
American Family | $195/mo | |
 Safeco | $142/mo | |
 Liberty Mutual | $179/mo | |
Travelers | $106/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Philadelphia | $246/mo |
| Pittsburgh | $144/mo |
| Erie | $137/mo |
| Reading | $157/mo |
| Allentown | $153/mo |
| Pennsylvania | $167/mo |
$167
$246
$144
$137
$157
$153
PennsylvaniaPhiladelphiaPittsburghErieReadingAllentown
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Allentown, PA Driving Facts
Minimum Car Insurance Requirements in PA
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:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Pennsylvania are as follows:
- $15,000 per person/$30,000 per accident for Bodily Injury (BI)
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.
- $5,000/accident for Property Damage (PD)
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.
- $5,000/accident for Medical Benefits (PIP)
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.
Allentown Car Insurance Rates by Driver Age
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 |
Allentown Car Insurance Rates by Driving and Accident History
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.
See More: High-risk Car Insurance Pennsylvania
See More: DUI Car Insurance Pennsylvania
Allentown Car Insurance Rates by Credit Tier
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 |
See More: Bad Credit Car Insurance Pennsylvania
Allentown, PA DMV Information
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.
Public Transportation in Allentown, PA
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.
Find local Allentown agents
Arbor Insurance Group Inc
3435 Winchester Rd Ste 305, Allentown, PA 18104
K D Smith Insurance Inc
729 E Susquehanna St, Allentown, PA 18103-3500
Pennsylvania Insurance Alliance
1605 N Cedar Crest Blvd Ste 410, Allentown, PA 18104
A Agency Insurance Inc
1642 Union Blvd Ste L, Allentown, PA 18109
Block Insurance Agency, Inc.
2333 W Highland St, Allentown, PA 18104
McGriff Insurance Services
645 Hamilton Street, Allentown, PA 18101
Brosky Insurance Agency Inc
1540 E Race St, Allentown, PA 18109-9587
Heritage Insurance Group
4101 Tilghman St, Allentown, PA 18104-4427
Myers and Benner Corp
2895 Hamilton Blvd #201, Allentown, PA 18104-6172
Home Furnishings Insurance Group Llc
2015 W Hamilton St Ste 205, Allentown, PA 18104
Insurify Insights: How Allentown Drivers Measure Up
Allentown, PA
Suspended Licenses Rank
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.
Accidents in Allentown
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.
- Rank within state: #17
- Percent of drivers in Allentown with an accident: 10.28%
- Drivers in Allentown, PA with an accident in their driving history paid on average 30.82% more than drivers with a clean record
Speeding in Allentown
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.
- Rank within state: #16
- Percent of drivers in Allentown with a speeding ticket: 6.83%
- Drivers in Allentown, PA with a speeding ticket in their driving history paid on average 31.45% more than drivers with a clean record
DUI/DWIs in Allentown
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.
- Rank within state: #21
- Percent of drivers in Allentown with a DUI: 2.01%
- Drivers in Allentown, PA with a DUI in their driving history paid on average 27.67% more than drivers with a clean record
Most Popular Vehicle in Allentown
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.
Rude Drivers in Allentown
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.
- Rank within state: #4
- Percent of drivers in Allentown with a reckless driving violation: 3.05%
- Drivers in Allentown, PA with a reckless driving violation in their driving history paid on average 16.98% more than drivers with a clean record.
Safest Drivers in Allentown
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.
- Rank within state: #6
- Percent of drivers in Allentown with clean record: 82.41%
Failure to Yield the Right of Way in Allentown
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.
- Rank within state: #10
- Percent of drivers in Allentown with a failure to yield violation: 0.16%
- Drivers in Allentown, PA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Allentown
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.
- Rank within state: #7
- Percent of drivers in Allentown with a reckless driving offense: 0.08%
Hybrid/Electric Vehicle Ownership in Allentown
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.
- Rank within state: #25
- Percent of drivers in Allentown with a hybrid/electric vehicle: 0.35%
How to get the best and cheapest car insurance in Allentown, PA
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.
FAQs - Allentown, PA Car Insurance
Will they take away my license if I get a DUI in Allentown?
For a first offense, no. But the consequences are stiff and can include a misdemeanor on your record, up to six months’ probation, a $300 fine, and alcohol highway safety school. In Pennsylvania, if you are convicted of driving under the influence a second time, your driver’s license will be suspended for 12 months.
I’m not able to get coverage in Pennsylvania. What should I do?
Sometimes, people have just too many marks on their driving records to catch a break and have a very hard time getting insurance. Pennsylvania has created a mechanism to make sure that even high-risk drivers can get coverage. It’s called the Pennsylvania Assigned Risk Plan (PA ARP). All insurance companies in the state are required to participate. It’s not going to be a cheap plan, but if you are eligible for this, at least you will have coverage. And you can go back to comparison shopping for insurance on the regular market when you’ve built a better driving record. You can reach the plan’s customer service office by calling 1 (401) 946-2800, or toll-free at 1 (800) 477-6146.
What works for proof of insurance if I get pulled over in Allentown?
As a general rule, you should always carry the insurance card the insurance company sends you when they issue you a policy. Often, this can be printed at home and really is the easiest form of insurance proof to have on you. The following pieces of information can also be used as proof of insurance in Pennsylvania: a copy of the declaration page of an insurance policy, a copy of an application for insurance to the Pennsylvania Assigned Risk Plan signed by a licensed insurance agent or broker, a copy of a certificate of self-insurance issued by PennDOT, a copy of a valid binder of insurance issued by an insurance company licensed to sell motor vehicle liability insurance in Pennsylvania, and a copy of a letter from the insurance carrier that verifies the proof of financial responsibility of the insured on official company letterhead signed by an insurance agent or another authorized representative of the insurance company. Carrying the card is much, much easier.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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