Cheapest Auto Insurance in Bethlehem, Pennsylvania (2026)
National General offers the cheapest insurance in Bethlehem, for $58 per month.
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Written byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited bySara Getman
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Sara GetmanAssociate Editor
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Bethlehem sits on the border of New Jersey and is home to Lehigh University. Drivers in the “Christmas City” experience high car insurance rates and pay an average of $96 per month for liability coverage and $142 per month for full coverage. This is more than the state averages of $93 for liability and $146 for full-coverage car insurance.
Insurers in Pennsylvania consider factors such as your driving record, credit history, and location when determining your premium, so rates can vary widely. Comparing car insurance quotes from multiple companies before buying a policy is the best way to secure a cheaper rate.
Here’s what to consider when shopping for the best car insurance in Bethlehem.
Quick Facts
National General, State Farm, and Erie offer the cheapest rates in Bethlehem.
Bethlehem drivers pay an overall average of $1,426 per year for car insurance.
Pennsylvania is a no–fault state. Each driver’s insurer is responsible for paying their individual claims in the event of an accident, regardless of who’s at fault.
3 of the cheapest car insurance companies in Bethlehem
State Farm, Erie, and National General are three of the cheapest car insurance companies in Bethlehem. These three insurers are a good place to start if you’re looking for affordable coverage, but they may not be the cheapest for you because of your unique needs. Here, you can learn more about each of these insurers and their average statewide quotes.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $81 | $70 | Families |
| Erie | 8.4 | $94 | $81 | Flexibility |
| National General | 7.0 | $144 | $61 | High-risk drivers |
Disclaimer: Table data sourced from real-time Bethlehem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bethlehem may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for families: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $77/mo |
4.0
Best choice in Bethlehem, PABased on 15,788 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Bethlehem for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Bethlehem for
Customer service
Competitive rates
Discounts for safe drivers
Showing 55 Pennsylvania reviews for Bethlehem drivers - See all 7,176 State Farm reviews
Glenda
Verified Review
Blame Claim
Reviewed in Pennsylvania on March 3, 2026
A horse and buggy hit my car, and they claimed it was my fault because it was not a motor vehicle. They considered my car totaled. The title is missing, so the claim is still open. It's been a year this month.
Joanna
Verified Review
Long time customer
Reviewed in Pennsylvania on February 23, 2026
Dependable.
Robert
Verified Review
Coverage is good, but with the rate my premiums are rising, I might be switching after 38 years with State Farm.
Reviewed in Pennsylvania on February 20, 2026
Coverage is good, but with the rate my premiums are rising, I might be switching after 38 years with State Farm.
Anthony
Verified Review
Auto Insurance Greed
Reviewed in Pennsylvania on February 9, 2026
They kept raising my insurance every month for months. I now pay $435.00 a month for two vehicles.
Fred
Verified Review
Review of Questions
Reviewed in Pennsylvania on February 6, 2026
The only issue is the cost.
Margaret
Verified Review
Rip-off
Reviewed in Pennsylvania on January 18, 2026
I have been with State Farm for all of my driving life, nearly 60 years, and with only one accident, no tickets, and no DUIs. The cost is way too high for a 76-year-old driver who has been loyal "forever." The team I'm with is great, but the cost is terrible.
Calvin
Verified Review
Excellent
Reviewed in Pennsylvania on January 18, 2026
Great! I have had State Farm for 50 years.
Stephen
Verified Review
Excellent
Reviewed in Pennsylvania on January 16, 2026
I have it because it’s required. The people at State Farm in Youngwood are very customer-oriented.
Dennis
Verified Review
Good insurance but too high priced
Reviewed in Pennsylvania on January 16, 2026
The price is too high for my old truck.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Bethlehem has a high percentage of families, which makes State Farm a great choice for many area residents.[1] State Farm offers numerous discounts for teen drivers, and people younger than 25 can enroll in State Farm’s Steer Clear program and earn a discount if they complete it.
Pros
AM Best financial strength rating of A++ (Superior)[2]
Offers various discounts and affordable rates
Cons
Doesn’t offer gap insurance
Rates are higher for high-risk drivers
Best insurer for flexibility: Erie
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
4.4
Best choice in Bethlehem, PABased on 491 verified driver reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best in Bethlehem for
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best in Bethlehem for
High customer satisfaction
Competitive rates
Optional coverages
Showing 29 Pennsylvania reviews for Bethlehem drivers - See all 227 Erie Insurance reviews
Robert
Verified Review
One of the Best Auto Insurance Companies
Reviewed in Pennsylvania on March 2, 2026
So far, they seem to be one of the best companies for auto insurance for my age. When shopping around, not only do they have the best price, but they also have one of the highest ratings.
Ivan
Verified Review
Great insurance
Reviewed in Pennsylvania on March 1, 2026
Excellent rates. I get a year at the same cost as others quoted me for only six months.
Joshua
Verified Review
Great company, but penalizes or blocks credit card usage to get certain discounts.
Reviewed in Pennsylvania on March 1, 2026
Great company, decent rates. I just wish there were better discounts and no penalty or restriction on using credit cards to pay premiums.
Stephen
Verified Review
Excellent
Reviewed in Pennsylvania on February 19, 2026
Best rates thus far.
David
Verified Review
Best Insurance
Reviewed in Pennsylvania on February 8, 2026
They set your rate and it never increases unless you change cars.
Steven
Verified Review
Too expensive for anyone with a great driving record and great credit
Reviewed in Pennsylvania on December 29, 2025
My insurance company, as well as other insurance companies, base rates on other drivers and NOT the person buying the policy.
Mark
Verified Review
Erie Insurance
Reviewed in Pennsylvania on December 23, 2025
Excellent in all aspects except one. Adding a young driver is considerably more expensive than other companies.
Bernard
Verified Review
Excellent
Reviewed in Pennsylvania on October 30, 2025
They are pleasant to talk to, helpful, and explain everything clearly.
Dale
Verified Review
Good things always come to an end
Reviewed in Pennsylvania on October 3, 2025
I think unless you get a rate lock, they're high on price. That's why I am shopping around.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie is a good fit for drivers who have unique insurance needs. Erie provides numerous coverage options and discounts, such as a diminishing deductible and first accident forgiveness. This is especially helpful considering Pennsylvania is a no-fault state, meaning each party’s insurance is responsible for its customer’s injury claims following an accident.[3]
Pros
AM Best financial strength rating of A+ (Superior)[4]
Offers flexible and customizable coverage
Cons
Available in only 12 states
Not the cheapest option
Best insurer for high-risk drivers: National General
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $137/mo |
3.7
A solid option in Bethlehem, PABased on 1,022 verified driver reviews and ratings
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Bethlehem for
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Bethlehem for
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Showing recent national reviews - See all 370 National General reviews
Kelly
Verified Review
They require so much info and proof from everyone living in the residence, and they are way too expensive
Reviewed in Utah on March 4, 2026
I've been with them multiple times, no claims, no tickets, and still my insurance increases! I'm getting new insurance today.
Sonya
Verified Review
Poor Experience with This Insurance Company
Reviewed in Florida on March 3, 2026
My experience was not good. They were not a good insurance company. I don't like this insurance company; everything is poor. They did not communicate and took money out of my account days before it was due. They raised my insurance to more than it should have been. Not good.
Delbert
Verified Review
General is way too high
Reviewed in Texas on March 3, 2026
Terrible, they are charging me too much. I'm 58 with no accidents, and they want $161.00 to renew.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
There were 42,409 DUI arrests in Pennsylvania in 2022, and companies consider drivers with a DUI to be high-risk.[5] National General is a good option if you’ve been deemed a high-risk driver, and the company will even file an SR-22 on your behalf if you have a DUI.
Pros
AM Best financial strength rating of A+ (Superior)[6]
Backed by Allstate
Cons
Not available in every state
Doesn’t offer gap insurance
How to get the cheapest car insurance in Bethlehem
The car insurance rates you pay in Bethlehem will depend on several factors, including your age, gender, driving record, credit history, location, and more.
Some of these factors are outside of your control, but you stand a good chance of lowering your rates by following these tips:
Compare quotes. It’s a good idea to get estimates from at least three companies before buying a car insurance policy. Compare quotes every year to ensure you’re getting the best deal, and read customer reviews of the companies you’re interested in before signing a policy.
Look for discounts. Take advantage of any discounts you qualify for, such as those for safe driving, vehicle safety features, auto and home insurance bundling, and more. Call an independent insurance agent to see if you qualify for any other discounts.
Maintain a good credit history. Insurers will consider your credit-based insurance score to determine how likely you are to file a claim. The better your credit history is, the less likely you are to file a claim and the lower your premium will be.
Raise your deductible. Increasing your deductible will lower your monthly premiums and can save you money. Just be sure you can pay the deductible out of pocket if you need to file a claim.
Find Affordable Coverage in Bethlehem, PA
Average liability rates start at $96 per month
Excellent
4.7 out of 5 based on 12,427 reviews
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Cheapest liability-only car insurance in Bethlehem: National General
If you cause a car accident, liability insurance will cover the other party’s bodily injuries and property damage up to your insurance coverage limits. It won’t cover damage to your personal property or vehicle in the accident. It also won’t cover damage caused by weather-related incidents or vandalism.
Liability-only car insurance costs an average of $96 per month in Bethlehem. The table below highlights some of the cheapest insurers offering liability coverage in the city.
The below rates in Bethlehem, PA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $58 |
| State Farm | $66 |
| Erie | $76 |
| Auto-Owners | $82 |
| Safeco | $87 |
| Direct Auto | $96 |
| Travelers | $99 |
| Bristol West | $100 |
| GEICO | $102 |
| Root | $104 |
| Dairyland | $113 |
| Allstate | $115 |
| Nationwide | $130 |
| USAA | $134 |
| GAINSCO | $137 |
| Liberty Mutual | $148 |
| Chubb | $155 |
| CSAA | $168 |
| State Auto | $180 |
Disclaimer: Table data sourced from real-time Bethlehem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bethlehem may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Bethlehem: State Farm
Full-coverage car insurance includes collision and comprehensive coverage. Full-coverage insurance isn’t required, but many lenders require you to carry it before they’ll offer you a loan. It can also be a good idea to carry full coverage if you can afford it to cover associated property damage losses if needed.
Full-coverage car insurance costs $142 per month in Bethlehem, on average. The table below shows some of the cheapest insurers for full-coverage car insurance in the city.
The below rates in Bethlehem, PA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $77 |
| Erie | $89 |
| Auto-Owners | $96 |
| Travelers | $116 |
| GEICO | $120 |
| Allstate | $135 |
| National General | $137 |
| Safeco | $143 |
| Nationwide | $153 |
| USAA | $157 |
| Liberty Mutual | $160 |
| Direct Auto | $174 |
| Root | $175 |
| Chubb | $181 |
| Bristol West | $192 |
| CSAA | $206 |
| State Auto | $211 |
| Dairyland | $257 |
| GAINSCO | $262 |
| The General | $264 |
| Infinity | $274 |
Disclaimer: Table data sourced from real-time Bethlehem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bethlehem may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Bethlehem, Pennsylvania
Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $76/mo for full coverage in Bethlehem and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Bethlehem, Pennsylvania within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Bethlehem, Pennsylvania within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Pennsylvania
Pennsylvania is a no-fault state, meaning your insurer will cover your medical expenses after an accident, regardless of who was at fault. If you’re a driver in Pennsylvania, you’ll need to carry bodily injury and property damage liability coverage, as well as medical benefits insurance.
The table below outlines the minimum requirements for insurance coverage in Pennsylvania.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
| Medical benefits | $5,000 |
The coverages outlined above meet state minimum requirements. But you may want to further enhance your coverage with any of the optional coverages listed below:
Collision coverage
Collision insurance pays for damage from a collision with another vehicle or object, regardless of who was at fault.
Comprehensive coverage
Comprehensive insurance pays for damage from non-collision events, like theft, vandalism, or severe weather.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage kicks in if you get into an accident with an uninsured driver.
Roadside assistance coverage
Roadside assistance coverage provides towing and vehicle assistance services, such as jumping a dead battery or replacing a flat tire.
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4.7 out of 5 based on 12,427 reviews
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Cheapest car insurance for drivers with an incident
An incident in car insurance typically refers to a speeding ticket, at-fault accident, DUI, or other serious moving violation. Insurers see past incidents as an indication of future risky driving behavior, and your rates will generally increase as a result. For example, drivers with an incident on their record pay an average of $111 per month compared to a clean record rate of $96 per month.
Even if you’re considered a high-risk driver, you can still find cheap car insurance. The table below compares the cheapest rates for drivers with a clean record to rates after various incidents.
The below rates in Bethlehem, PA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| National General | $58 | $69 | $76 | $77 |
| State Farm | $66 | $81 | $86 | $88 |
| Erie | $76 | $97 | $99 | $102 |
| Auto-Owners | $82 | $103 | $106 | $109 |
| Safeco | $87 | $111 | $120 | $125 |
| Direct Auto | $96 | $115 | $129 | $128 |
| Travelers | $99 | $124 | $131 | $132 |
| Bristol West | $100 | $121 | $129 | $133 |
| GEICO | $102 | $128 | $130 | $135 |
| Root | $104 | $134 | $136 | $140 |
| Dairyland | $113 | $135 | $146 | $151 |
| Allstate | $115 | $144 | $151 | $153 |
| Nationwide | $130 | $162 | $172 | $174 |
| USAA | $134 | $167 | $176 | $179 |
| GAINSCO | $137 | $157 | $172 | $183 |
| Liberty Mutual | $148 | $181 | $194 | $198 |
| Chubb | $155 | $189 | $202 | $207 |
| CSAA | $168 | $205 | $242 | $224 |
| State Auto | $180 | $231 | $241 | $225 |
Disclaimer: Table data sourced from real-time Bethlehem car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bethlehem may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Your age has a significant effect on how much you pay for car insurance. Young drivers pay the most due to their inexperience and risk-taking, while older, more seasoned drivers pay much more affordable rates.
Your car insurance rates will generally start to decrease around age 35. But once you reach 70, they’ll start to creep up again, as age-related risk factors come back into the picture.
The table below highlights car insurance rates by age in Bethlehem.
Age | Average Monthly Quote |
|---|---|
| Teens | $387 |
| 20s | $279 |
| 30s | $229 |
| 40s | $200 |
| 50s | $180 |
| 60s | $168 |
| 70s | $157 |
Disclaimer: Table data is based on real-time Bethlehem quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Car Insurance in Bethlehem, PA
Compare rates from 120+ top insurers
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Bethlehem car insurance quotes by credit tier
Your credit history can affect your car insurance rates in Pennsylvania. Insurers factor the information presented in your credit history into a credit-based insurance score, which they use to determine how likely you are to file a claim.
This means drivers with excellent credit pay much lower monthly premiums than drivers with poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Bethlehem car insurance FAQs
Buying car insurance is an important financial decision. If you still have questions, the additional information below may help you make your decision.
How much is car insurance in Bethlehem?
On average, car insurance in Bethlehem costs $96 per month for liability-only coverage and $142 per month for full coverage.
Who has the cheapest car insurance in Bethlehem?
National General, State Farm, and Erie offer the cheapest liability rates in Bethlehem, at $58, $66, and $76, respectively.
Getting multiple car insurance quotes and comparing them is the best way to find an insurer that fits your needs and budget.
What are the best car insurance companies in Bethlehem?
State Farm, Erie, and National General are the best insurers in Bethlehem. Their average Pennsylvania liability rates are $70, $81, and $61 per month, respectively.
All three companies have high Insurify Quality Scores, at 9.3, 8.4, and 7.0, and they all have a financial strength rating of Superior from AM Best.
Methodology
Insurify data scientists analyzed more than 190 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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March 5, 2026
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Cheap Car Insurance in Harrisburg, PA, Starting at $62
March 5, 2026
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Cheap Car Insurance in Philadelphia, PA, Starting at $111
March 5, 2026
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Cheap Car Insurance in Lancaster, PA, Starting at $60
March 5, 2026
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Cheap Car Insurance in York, PA, Starting at $56
March 5, 2026
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Best Cheap Car Insurance in Wilkes-Barre, PA, From $54
March 5, 2026
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Cheap Car Insurance in Scranton, PA, Starting at $64
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Cheap Car Insurance in State College, PA, Starting at $54
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Best Cheap Car Insurance in Reading, PA, From $64
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Sources
- Census.gov. "U.S. Census Bureau QuickFacts: Bethlehem city, Pennsylvania."
- Ambest.com. "AM Best Revises Outlooks to Negative for State Farm Mutual Automobile Insurance Company and Certain Subsidiaries."
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
- Ambest.com. "AM Best Affirms Credit Ratings of Erie Insurance Group’s Members and Erie Family Life Insurance Company."
- Pennsylvania Department of Transportation. "Impaired Driving Enforcement in Pennsylvania."
- Ambest.com. "National General Insurance Company."
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Sara GetmanAssociate Editor
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.