120+ more*Quotes generated for Insurify users in and around Bethlehem, Pennsylvania within the last 10 days. Last updated on September 29, 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 September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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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: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Drivers in Bethlehem pay an average of $146 per month for full coverage and $79 per month for liability-only car insurance, according to Insurify data. That’s less than in nearby Allentown, where car insurance averages $182 per month for full coverage and $103 per month for liability coverage.
Bethlehem is much more affordable than Philadelphia, which has average monthly rates of $281 and $152, respectively.
Bethlehem’s population density, about 4,000 people per square mile, is lower than Allentown’s, around 7,200 people per square mile, and Philadelphia’s, nearly 12,000 people per square mile.[1] But it’s much higher than Pennsylvania’s average of 292 people per square mile.
Bethlehem’s lower population density than Allentown and Philadelphia may also mean lower traffic density and fewer low-speed, stop-and-go collisions.[2] This may help keep Bethlehem’s rates near the statewide average.
Liability policies average $79/mo.
State Farm offers the cheapest average liability-only coverage in Bethlehem, at $44 per month. At a monthly average of $75, State Farm has the cheapest full-coverage car insurance. Bethlehem’s rates are lower than the Pennsylvania average.
Pennsylvania state law requires drivers to have bodily injury liability coverage with limits of at least $15,000 per person and $30,000 per accident, at least $5,000 in property damage liability, and at least $5,000 in medical benefits coverage.[3]
In 2025, Lehigh and Northampton Counties had a combined 304 deer-related crashes, according to the Pennsylvania Department of Transportation. The comprehensive coverage in a full-coverage policy can help offset repair costs after an animal-vehicle collision.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $44 |
| National General | $50 |
| Erie | $52 |
| First Acceptance | $53 |
| Auto-Owners | $55 |
| Progressive | $61 |
| The General | $61 |
| Travelers | $67 |
| GEICO | $70 |
| Safeco | $72 |
| Direct Auto | $74 |
| Allstate | $79 |
| Bristol West | $80 |
| Root | $91 |
| USAA | $91 |
| Dairyland | $97 |
| Chubb | $106 |
| Liberty Mutual | $112 |
| GAINSCO | $113 |
| State Auto | $123 |
| CSAA | $147 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $75 |
| Erie | $87 |
| Auto-Owners | $93 |
| Plymouth Rock | $99 |
| National General | $111 |
| Travelers | $113 |
| GEICO | $116 |
| Safeco | $116 |
| Liberty Mutual | $129 |
| Progressive | $129 |
| Allstate | $131 |
| First Acceptance | $134 |
| Direct Auto | $146 |
| Root | $146 |
| Bristol West | $149 |
| USAA | $152 |
| Chubb | $175 |
| GAINSCO | $202 |
| State Auto | $204 |
| CSAA | $213 |
| The General | $237 |
| Dairyland | $240 |
Philadelphia has the highest car insurance rates in Pennsylvania, while State College drivers pay the least, at an average of $95 per month. Bethlehem’s rates fall between the two, at $113 per month. Philadelphia’s higher vehicle theft rate may contribute to its higher rates.
Philadelphia’s metro area reported about 141 vehicle thefts per 100,000 residents in the first half of 2025, according to Insurify data. That’s roughly four times the rate in the Allentown-Bethlehem-Easton metro area, where there were approximately 33 vehicle thefts per 100,000 residents.
The table below shows average car insurance rates for several Pennsylvania cities.
City | Average Monthly Quote |
|---|---|
| State College | $95 |
| Hanover | $99 |
| Altoona | $106 |
| Chambersburg | $107 |
| Lancaster | $107 |
| Pottsville | $111 |
| Bethlehem | $113 |
| York | $114 |
| Wilkes-Barre | $115 |
| Erie | $116 |
| Pittsburgh | $117 |
| Harrisburg | $121 |
| Phoenixville | $124 |
| Scranton | $127 |
| Reading | $129 |
| Allentown | $143 |
| Bristol | $143 |
| Chester | $184 |
| Philadelphia | $217 |
When the City of Bethlehem declares a snow emergency, parking on a designated snow emergency route can lead to parking tickets or even having your car towed. During declared snow emergencies, the Bethlehem Parking Authority opens gated garages for free.
Heavy rain can cause flooding near several waterways and in low-lying and flood-prone areas around the Lehigh Valley.[4] Flood-prone locations include Route 378 Southbound, Easton Avenue and Santee Road, Easton Avenue and Willow Park Road, Industrial Drive at Avenue B, and the historic downtown area near the Monocacy Creek.
Avoid flood-prone areas during storm warnings.
Bethlehem has two downtown districts. The Historic District is on the north side of the Lehigh River, and the Southside Arts District is south of the river. The Bethlehem Parking Authority manages metered street parking, parking garages, and parking lots across both downtown areas.
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In Bethlehem, 4.3% of drivers have an at-fault accident on their record, and 2.4% have a traffic ticket on their record, according to Insurify data. These incidents, as well as driving under the influence (DUI) convictions, raise your insurance rates.
Pennsylvania is a no-fault state, meaning drivers can choose limited-tort or full-tort coverage. Limited tort offers savings on your premium but restricts your ability to recover certain damages, such as compensation for pain and suffering, unless an exception applies.
Full tort typically costs more but gives you unrestricted rights to recover damages after an accident.
The table below shows the average monthly quotes for Bethlehem drivers with different incidents on their driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $113 |
| Speeding ticket | $127 |
| At-fault accident | $139 |
| DUI | $182 |
Bethlehem families with teen drivers pay some of the highest average rates in the city. Pennsylvania allows teens to get a learner’s permit at age 16, which is later than most states. But the Pennsylvania Department of Transportation says its graduated driver licensing law reduced crashes and fatalities for 16- and 17-year-olds.
About 15% of Bethlehem residents are 65 or older, according to the U.S. Census Bureau. Older Bethlehem drivers also tend to pay less for coverage, with senior drivers paying lower average rates than younger age groups.
The table below shows the average monthly rates for Bethlehem drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $141 |
| 20s | $100 |
| 30s | $88 |
| 40s | $85 |
| 50s | $75 |
| 60s | $70 |
| 70+ | $69 |
*Quotes generated for Insurify users in and around Bethlehem, Pennsylvania within the last 10 days. Last updated on September 29, 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 September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
You may have more questions as you shop around for car insurance in Bethlehem. Here’s some information to help you understand what affects your rate.
Bethlehem drivers pay an average of $79 per month for liability-only coverage and $146 per month for full coverage. Your actual rate will depend on your driving record, credit history, age, and the coverage limits you choose.
State Farm offers the cheapest average rates in Bethlehem, at $44 per month for liability coverage. National General is the next cheapest insurer. Rates vary by driver profile, so request a quote from several companies to find the best price.
Aside from common rating factors like your driving record, credit history, age, vehicle type, and the coverage options, city-specific factors can affect what you pay for insurance.
Bethlehem’s rates tend to be lower than those of larger cities because it has a lower population density and fewer vehicle thefts. But it’s more densely populated than the rest of Pennsylvania, which may be why its rates are higher than the statewide average.
Get a quote from multiple insurance companies and ask about discounts for bundling policies, maintaining a safe driving record, and being a good student. Bethlehem drivers should also compare both liability-only and full-coverage quotes, since rates vary significantly by insurer and coverage level.
Pennsylvania requires 15/30/5 liability coverage. That includes $15,000 per person and $30,000 per accident for bodily injury liability, and $5,000 for property damage liability. Drivers also need $5,000 in medical benefits coverage.
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 writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
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