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Located along the banks of the Susquehanna River, Harrisburg is known for attractions like the Harrisburg Shakespeare Festival and the Susquehanna Museum of Art. Even though it’s the capital of Pennsylvania and home to more than 50,000 people, its car insurance rates are cheaper than the state average.
This is likely due to its comparatively lower car accident rates.[1] Harrisburg recorded 569 motor vehicle accidents in 2022, according to Pennsylvania Department of Transportation data.
Harrisburg drivers can find the lowest car insurance rates from National General, State Farm, and Progressive. But comparing car insurance quotes from multiple companies could help drivers find even better rates.
Here’s what you need to know about finding affordable car insurance coverage in Harrisburg.
Harrisburg drivers pay an average of $87 per month for liability insurance and $171 per month for full coverage.
Harrisburg drivers can choose between “limited-tort” (no-fault) and “full-tort” (at-fault) auto insurance coverage.
Drivers with good-to-excellent credit usually lock in better rates than drivers with poor credit.
Cheapest car insurance companies in Harrisburg
As you look for the right car insurance company, consider factors like your ZIP code, budget, driving record, coverage level options, and personal needs. The best way to find the ideal coverage for you is to compare quotes from several insurers.
USAA, Mile Auto, and Clearcover are three insurers to consider in any comparison list. Here, you can learn more about each company and see the state coverage averages for each insurer.
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 |
---|---|---|---|---|
USAA | 9.1 | $168 | $143 | Military members |
Mile Auto | 8.8 | $89 | $69 | Infrequent drivers |
Clearcover | 7.1 | $${AUTO_CARRIER_CLEARCOVER_FULL_STATE_PA_PRICE} | $${AUTO_CARRIER_CLEARCOVER_LIABILITY_STATE_PA_PRICE} | Students |
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 military members: USAA
User Reviews | 4.9 |
---|---|
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. | 9.1 /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. | $144/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. | $163/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
More than 2,000 veterans live in Harrisburg.[2] These veterans and current military members can find cheap car insurance with USAA. USAA specifically caters to the military community and offers a number of insurance products and financial services aimed to support this unique customer group.
Discount of up to 30% possible via SafePilot program
High customer satisfaction ratings
Only available to active military members, veterans, and their families
Gap insurance not available
Best insurer for infrequent drivers: Mile Auto
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. | 8.8 /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. | $64/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. | $101/mo |
Drivers appreciate the quality service but find the rates high and claim processing slow.
Drivers appreciate the quality service but find the rates high and claim processing slow.
Seniors age 65 and older account for 10.9% of the population in Harrisburg.[2] Many of them, along with remote workers, stay-at-home-parents, and others, drive on occasion and may lock in the best insurance rates with Mile Auto.
Mile Auto is a pay-per-mile car insurance company with the most affordable car insurance for Harrisburg residents who drive fewer than 10,000 miles per year.
Cheap auto insurance for low-mileage drivers
No tracking device or app required
Negative Trustpilot customer service reviews
Limited coverage options and add-ons
Best insurer for students: Clearcover
User Reviews | 3.4 |
---|---|
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. | 7.1 |