Cheap Auto Insurance Quotes in Bethlehem, PA (2021)

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“Christmas City USA” is a town that boasts both old and new. With a diverse cultural and arts scene and historical significance that goes back to the 1700s, the city gives residents a lot to be happy about.

Though there’s much to celebrate in Bethlehem, drivers there are just like anyone else—finding their way through traffic to jobs, appointments, shopping, and family fun. With a population of 76,000, accidents occur even on Bethlehem’s best days. Making sure you have a solid insurance plan in place can protect you and your family while driving in Bethlehem.

Car Insurance in Bethlehem, 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 Bethlehem, PA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$72
$78
$105
$137
$140
ProgressiveState FarmAllstateGEICOTravelers
Monthly $

Cheapest Car Insurance in Bethlehem, PA

Here are the cheapest carriers in Bethlehem for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Bethlehem, 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 carrier reviews. The following are the top rated carriers that offer car insurance in Bethlehem. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$162
$246
$144
$153
$137
$131
PennsylvaniaPhiladelphiaPittsburghAllentownErieBethlehem
Monthly $

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Bethlehem, PA Driving Facts

pennsylvania

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.

Bethlehem Car Insurance Rates by Driver Age

Hardworking teenagers should be able to squeak out a $276 car insurance payment and still have time for school, sports, and extracurriculars. In the Keystone State, premium prices go down as experience on the road increases. That’s why young adults in their 20s snag a $90 break compared to what teen drivers shell out. From there, everyone gets a deal that skates below the state average of $200 per month. Those in their 60s lock in the best rate, with a premium that’s less than half of what the youngest drivers pay.

Driving History
No Violation$164
Speeding Ticket$181
At-Fault Accident$167
Failure to Stop for Red Light / Stop Sign$272

Bethlehem Car Insurance Rates by Driving and Accident History

Bethlehem residents expect safe driving to bring multiple benefits. They get the peace of mind that results from defensive driving, and insurance companies award the most cautious motorists with “good driver” and “accident-free” discounts. But all the price cuts can go away with a sleepy morning and a resulting speeding ticket. Even worse, a failure-to-stop violation pumps the price up by over $100 per month, or $1,200 per year. The good news is that after three years of careful driving, tickets and accidents stop affecting car insurance rates.

Bethlehem Car Insurance Rates by Credit Tier

Many Pennsylvanians have a tough time figuring out how their credit affects their driving. But state law allows insurance companies to look at credit when deciding rates. Usually, those with better credit pay less. Why would people with average credit pay less than those with good credit? Drivers with better credit can finance costlier cars and opt for more coverage to protect their assets. That said, moving from poor to excellent credit will save over $45 per month, or $540 per year.

Bethlehem, PA DMV Information

Have something on your DMV to-do list? The Pennsylvania Department of Transportation (PennDot) suggests doing your DMV business through their online portal. Visiting in person is still allowed, but it means you’ll need to find a driver’s license center or online messenger service that can help you with your vehicle and licensing needs. Online messengers (OLMs) are private businesses contracted to provide driver licensing and vehicle registration services for customers on behalf of PennDOT. While there are five driver’s license centers within 25 miles of Bethlehem, in locations like Allentown, Easton, and Dublin, there are 25 OLMs within the same distance.

Public Transportation in Bethlehem, PA

Though there are thousands of registered vehicles in Bethlehem, visitors to the city or those without a ride can access public transportation here. LANta (Lehigh and Northampton Transportation Authority) is the name of the area public transportation system here. It offers a fixed-route network of 26 bus routes throughout Lehigh Valley, including Saturday service. LANtaVan is the name of the county’s door-to-door paratransit service. An app allows riders to store their bus pass on their phone for convenience. Special fares are available for seniors 65+ and those with disabilities. Would you rather get a ride when and where you want it? Traditional taxis operate in this town, as do on-demand rideshare services Blacklane, Uber, and Lyft.

Conclusion: How to get the best and cheapest car insurance in Bethlehem, PA

Bethlehem has a lot of charm year-round, but when it comes to the city at Christmastime, it can’t be beaten. Many vendors work months in advance to make sure that the city lives up to its hype. Wondering if the car insurance you just bought can meet your expectations? You don’t have to. Insurify can give you the best coverage and rates personalized to you in minutes.

Taking ownership of your auto insurance choices is easy to do with Insurify. Use Insurify to sort through hundreds of national and regional insurance plans to find your best fit today.

Find local Bethlehem agents

Bill Flinn Agency 
2754 South Park Road, Bethel Park, PA 15102
James Stevenson Insurance Group Llc 
2884 Industrial Blvd #9, Bethel Park, PA 15102-5001
Driscoll Insurance & Financial Services Inc 
2738 S Park Rd, Bethel Park, PA 15102-3806
Robertson Insurance Group
925 W Broad St #200, Bethlehem, PA 18018
Lehigh Agency Insurance
1737 Schoenersville Rd, Bethlehem, PA 18018
Horwath Insurance Agency
24 E Broad St, Bethlehem, PA 18018
Lehigh Agency Insurance
1737 Schoenersville Rd, Bethlehem, PA 18018
Lehigh Valley Insurance Brokers LLC
701 W Broad St #104, Bethlehem, PA 18018
Robertson Insurance Group
925 W Broad St #200, Bethlehem, PA 18018
Saucon Mutual Insurance Co
74 W Broad St, Bethlehem, PA 18018

Insurify Insights: How Bethlehem Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Bethlehem, PA
suspended licenses
#24
Cities with Most
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 Bethlehem 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 Bethlehem

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. Bethlehem drivers rank 15 in the number of car accidents per driver across all cities in Pennsylvania.

  • Rank within state: #15
  • Percent of drivers in Bethlehem with an accident: 11.03%
  • Drivers in Bethlehem, PA with an accident in their driving history paid on average 33.58% more than drivers with a clean record

Speeding Bethlehem

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Pennsylvania, Bethlehem drivers rank 27 in the number of speeding infractions per driver.

  • Rank within state: #27
  • Percent of drivers in Bethlehem with a speeding ticket: 5.74%
  • Drivers in Bethlehem, PA with a speeding ticket in their driving history paid on average 36.5% more than drivers with a clean record

DUI/DWIs Bethlehem

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bethlehem drivers rank 19 in the number of DUI’s per driver across all cities in Pennsylvania.

  • Rank within state: #19
  • Percent of drivers in Bethlehem with a DUI: 2.06%
  • Drivers in Bethlehem, PA with a DUI in their driving history paid on average 16.79% more than drivers with a clean record

Most Popular Vehicle Bethlehem

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bethlehem is the Honda Civic.

Rude Bethlehem

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, Bethlehem drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Bethlehem with a reckless driving violation: 3.24%
  • Drivers in Bethlehem, PA with a reckless driving violation in their driving history paid on average 58.39% more than drivers with a clean record.

Safest Drivers Bethlehem

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Bethlehem drivers rank 4 in clean driving records across all cities in Pennsylvania.

  • Rank within state: #4
  • Percent of drivers in Bethlehem with clean record: 83.09%

Failure to Yield the Right of Way Bethlehem

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Bethlehem drivers rank 6 in failure to yield violations per driver across all cities in Pennsylvania.

  • Rank within state: #6
  • Percent of drivers in Bethlehem with a failure to yield violation: 0.29%
  • Drivers in Bethlehem, PA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Bethlehem

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, Bethlehem drivers rank 9 in the number of reckless driving offenses per driver.

  • Rank within state: #9
  • Percent of drivers in Bethlehem with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Bethlehem

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bethlehem drivers rank 22 in hybrid and electric vehicle ownership across all cities in Pennsylvania.

  • Rank within state: #22
  • Percent of drivers in Bethlehem with a hybrid/electric vehicle: 0.43%

FAQs - Bethlehem, PA Car Insurance

What happens if I’m found guilty of drunk driving in Bethlehem?

Drunk driving anywhere in the United States can mean a slew of consequences not limited to charges, fines, and even jail time. But if you are convicted of drunk driving in Pennsylvania, it’s entirely possible for your car insurance provider to cancel your policy. How can this happen? In this state, if your blood alcohol content (BAC) is high enough, your license can be suspended. License suspension is a valid reason for your insurer to cancel your policy in Pennsylvania. If your provider cancels your insurance, your only choice may be to find another insurance provider that insures high-risk drivers.

What happens if I forget to pay for my car insurance?

If you don’t pay your auto insurance premium on time, your insurance company can cancel your coverage. If this happens and you are without insurance, you experience what is known as a lapse in coverage. Pennsylvania law requires car insurance companies to notify PennDOT if they cancel your insurance. After 31 days, if you haven’t taken care of getting new car insurance and communicating that to PennDOT, your vehicle registration privileges are suspended for three months, and you will be faced with fees to reinstate them.

I don’t live in Bethlehem, but my daughter goes to school there. Can I keep her on my policy?

If your daughter is a full-time student and uses your address as her primary address, you can keep her on your policy. Keeping children on your policy ensures that they are covered when they borrow the car while at home. If they take a car to college, it’s important to keep them on your policy as well—and it’s cheaper. You still want to inform your insurance provider if they take the car to school, as the “garaging” address can sometimes affect rates.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.