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Cheapest Auto Insurance in Bethlehem, Pennsylvania (2026)

National General offers the cheapest insurance in Bethlehem, for $62 per month.

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Cheapest recent rates near Bethlehem, Pennsylvania

Drivers in and around Bethlehem, Pennsylvania have found policies from GAINSCO, Bristol West, First Acceptance, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Bethlehem, Pennsylvania within the last 10 days. Last updated on January 1, 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 January 1, 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 January 1, 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 January 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Danny Smith
Written byDanny Smith
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Danny Smith
  • 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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Sara Getman
Edited bySara Getman
Sara Getman
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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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 $92 for liability and $147 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
State Farm9.3$79$69Families
Erie8.4$91$80Flexibility
National General7.0$145$61High-risk drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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
4.1
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.
$69/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.
$80/mo
4.1
Best choiceBased on 13,214 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,692)
Steve
Verified Review
Current Insurance
Reviewed in California on December 2025
Premiums are too high, but they are high everywhere.
Larry
Verified Review
Excellent
Reviewed in Washington on December 2025
Great, except they keep raising rates.
David
Verified Review
Big Dave’s Review
Reviewed in Kentucky on December 2025
Great coverage and it's nice how State Farm provides linking coverage across vehicles so you do not overpay for the same coverage across multiple vehicles. If you pay for certain coverage on one vehicle, it is applied to all vehicles, which saves quite a bit of money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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.
$80/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.
$92/mo
4.4
Best choiceBased on 432 verified guest 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 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 For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (209)
Steven
Verified Review
Too expensive for anyone with a great driving record and great credit
Reviewed in Pennsylvania on December 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 2025
Excellent in all aspects except one. Adding a young driver is considerably more expensive than other companies.
Betty
Verified Review
Good
Reviewed in North Carolina on November 2025
I hit a deer and my insurance went up by $50.00.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
A.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.
$62/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.
$145/mo
3.7
A solid optionBased on 828 verified guest 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 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 For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (338)
Jean
Verified Review
National General Review
Reviewed in North Carolina on December 2025
I decided to start paying monthly, and it was a hundred dollars more than if I paid every six months. It's a rip-off. I will shop around before my 6 months is up in June 2026.
John
Verified Review
All about money, forget the customer and what should be done!
Reviewed in North Carolina on December 2025
I had a bad experience since both cars were insured by National General. We were both listed at fault when the other driver was going in the wrong direction in a no-pass zone. Since both cars had the same insurance, they increased the insurance rates on both cars. Poor decision. I'm looking for another company now!
Robert
Verified Review
Expensive Auto Insurance
Reviewed in Texas on December 2025
These guys are very expensive compared to other companies. I would not recommend them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25
A.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

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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 are estimated rates current as of: Thursday, January 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
National General$62
State Farm$69
Erie$80
Auto-Owners$86
Safeco$91
Direct Auto$98
Root$101
Travelers$104
GEICO$107
Bristol West$108
Dairyland$119
Allstate$121
Nationwide$137
USAA$141
GAINSCO$146
Liberty Mutual$158
Chubb$162
State Auto$189
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Thursday, January 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$80
Erie$92
Auto-Owners$99
Travelers$120
GEICO$123
Allstate$139
National General$145
Safeco$151
Progressive$154
Nationwide$158
USAA$162
Liberty Mutual$172
Root$175
Chubb$188
Direct Auto$189
Bristol West$204
State Auto$218
CSAA$223
Dairyland$275
GAINSCO$275
The General$284
Infinity$289
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Bethlehem, Pennsylvania

Drivers in and around Bethlehem, Pennsylvania have found policies from The General, Safeco, National General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Bethlehem, Pennsylvania within the last 10 days. Last updated on January 1, 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 January 1, 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 January 1, 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 January 1, 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    Collision coverage

    Collision insurance pays for damage from a collision with another vehicle or object, regardless of who was at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for damage from non-collision events, like theft, vandalism, or severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage kicks in if you get into an accident with an uninsured driver.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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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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 $109 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 are estimated rates current as of: Thursday, January 1 at 11:00 AM PST
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI
sort ascsort desc
National General$62$73$79$96
State Farm$69$82$87$106
Erie$80$100$101$123
Auto-Owners$86$105$109$133
Safeco$91$114$123$150
Direct Auto$98$116$129$151
Root$101$127$129$156
Travelers$104$127$134$160
GEICO$107$132$133$163
Bristol West$108$128$136$167
Dairyland$119$139$150$184
Allstate$121$148$155$187
Nationwide$137$167$176$211
USAA$141$171$181$218
GAINSCO$146$164$180$225
Liberty Mutual$158$190$203$244
Chubb$162$193$206$250
State Auto$189$237$247$292
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Teens$387
20s$279
30s$229
40s$200
50s$180
60s$168
70s$157
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $62, $69, and $80, 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 $69, $80, 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 90 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Census.gov. "U.S. Census Bureau QuickFacts: Bethlehem city, Pennsylvania."
  2. Ambest.com. "AM Best Revises Outlooks to Negative for State Farm Mutual Automobile Insurance Company and Certain Subsidiaries."
  3. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  4. Ambest.com. "AM Best Affirms Credit Ratings of Erie Insurance Group’s Members and Erie Family Life Insurance Company."
  5. Pennsylvania Department of Transportation. "Impaired Driving Enforcement in Pennsylvania."
  6. Ambest.com. "National General Insurance Company."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
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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