Cheapest Auto Insurance in Harrisburg, Pennsylvania (2026)
National General offers the cheapest car insurance in Harrisburg, with minimum-coverage policies as low as $62 per month.
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Written byAnna Baluch
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Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
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 Erie. 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.
Quick Facts
Harrisburg drivers pay an average of $90 per month for liability insurance and $154 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 | $166 | $142 | Military members |
| Mile Auto | 8.8 | $89 | $69 | Infrequent drivers |
| Clearcover | 7.1 | $195 | $141 | Students |
Disclaimer: Table data sourced from real-time Harrisburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisburg 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 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. | $143/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. | $168/mo |
4.9
Best choice in Harrisburg, PABased on 3,045 verified driver reviews and ratings
How drivers feel about USAA
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Harrisburg for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Harrisburg for
Members of the military community
Outstanding customer service
Competitive rates
Showing 13 Pennsylvania reviews for Harrisburg drivers - See all 1,463 USAA reviews
Paul
Verified Review
Premiums Too High
Reviewed in Pennsylvania on February 14, 2026
As a disabled veteran, I find USAA’s premiums to be too high.
David
Verified Review
No updates
Reviewed in Pennsylvania on February 10, 2026
I have had no claims, so there is no new information to share.
Paulette
Verified Review
Excellent company has its challenges
Reviewed in Pennsylvania on February 4, 2026
They are very responsive and customer service-oriented; however, they are very expensive. I have been with USAA for more than 30 years but find it increasingly difficult to pay for the car and home insurance while on a fixed income. I wish they were more flexible on their pricing as they are an excellent company. Oh, and trying to reach them on the phone is a frustrating challenge for an older person with all their security measures.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
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.
Pros
Discount of up to 30% possible via SafePilot program
High customer satisfaction ratings
Cons
Only available to active military members, veterans, and their families
Gap insurance not available
Best insurer for infrequent drivers: Mile Auto
| User Reviews | 4.5 |
|---|---|
| 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. | $70/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. | $119/mo |
4.5
Best choice in Harrisburg, PABased on 188 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Harrisburg for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Harrisburg for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviews - See all 65 Mile Auto reviews
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy we picked this company
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.
Pros
Cheap auto insurance for low-mileage drivers
No tracking device or app required
Cons
Negative Trustpilot customer service reviews
Limited coverage options and add-ons
Best insurer for students: Clearcover
| User Reviews | 3.8 |
|---|---|
| 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 /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. | $141/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. | $197/mo |
3.8
A solid option in Harrisburg, PABased on 63 verified driver reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best in Harrisburg for
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best in Harrisburg for
Robust mobile app
Fast claims process
Competitive pricing
Showing recent national reviews - See all 40 Clearcover reviews
Christy
Verified Purchase
Great so far
Reviewed in Missouri on January 25, 2026
Great for now, we will see what the price does at renewal time.
Daysy
Verified Purchase
Price is cheap but poor claim experience
Reviewed on November 6, 2025
Worst claim handling, no communication whatsoever.
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Reviewed in Missouri on June 12, 2025
Very good at helping get some insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36A.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).
NRWhy we picked this company
Harrisburg is home to several colleges, including Harrisburg University, Penn State Harrisburg, and Harrisburg Area Community College.
Students who attend these schools, as well as other young adults in the area, may appreciate Clearcover’s cheap rates and robust mobile app. Drivers can download the app to manage policies and file claims from their mobile devices.
Pros
Robust mobile app and website
Rideshare insurance available
Cons
No bundling discounts
No SR-22 insurance available
How to get the cheapest car insurance in Harrisburg
No two car companies will judge your unique driver profile the same. Each has its own underwriting process, coverage options, and policy specifics. That’s why you should do your research and explore your options.
As you search for new insurance, keep these tips in mind to help you secure the best deal on an auto policy in Harrisburg:
Shop around. It’s a good idea to get quotes from at least three different car insurance companies. This can help you find the lowest price and the lowest rates for your unique needs and financial situation.
Look for discounts. Most car insurers offer a variety of discounts. You may qualify for one for being a good student, insuring multiple vehicles, or installing an anti-theft device.
Consider usage-based insurance. Usage-based, or pay-per-mile insurance, might lessen your insurance costs, especially if you work from home, are retired, or don’t drive a lot. Your monthly premiums will be based on the miles you drive.
Drive responsibly. Speeding tickets, at-fault accidents, and DUIs can all increase your insurance premiums. Practice safe driving habits to keep your costs low.
Find Cheap Car Insurance in Harrisburg, PA
Liability policies start at $62 per month
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Cheapest liability-only car insurance in Harrisburg: National General
Pennsylvania requires all drivers to have at least a minimum amount of liability car insurance. This coverage pays for the other driver’s property damage and injuries in an accident you cause. Because it’s the minimum required car insurance, it’s usually the cheapest option.
National General offers the most affordable liability insurance for Harrisburg drivers, with rates starting at $62 per month.
The table below shows quotes for liability-only policies from different car insurance companies in Harrisburg.
The below rates in Harrisburg, PA, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $62 |
| State Farm | $70 |
| Erie | $81 |
| Auto-Owners | $87 |
| Safeco | $94 |
| Direct Auto | $103 |
| Travelers | $106 |
| Bristol West | $107 |
| GEICO | $109 |
| Root | $112 |
| Dairyland | $121 |
| Allstate | $123 |
| Nationwide | $139 |
| USAA | $143 |
| GAINSCO | $146 |
| Liberty Mutual | $159 |
| Chubb | $166 |
| CSAA | $180 |
| State Auto | $193 |
Disclaimer: Table data sourced from real-time Harrisburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisburg may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Harrisburg: State Farm
Full-coverage car insurance is typically made up of three types of coverage: liability, collision, and comprehensive coverages. This type of car insurance can provide you with additional protection and peace of mind, and it may be required if you have a lease or loan on your car.
Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Harrisburg.
The below rates in Harrisburg, PA, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $82 |
| Erie | $96 |
| Auto-Owners | $103 |
| Travelers | $124 |
| GEICO | $128 |
| Allstate | $144 |
| National General | $146 |
| Safeco | $154 |
| Nationwide | $164 |
| USAA | $168 |
| Liberty Mutual | $171 |
| Direct Auto | $186 |
| Root | $187 |
| Chubb | $194 |
| Bristol West | $205 |
| CSAA | $221 |
| State Auto | $226 |
| Dairyland | $276 |
| GAINSCO | $281 |
| The General | $283 |
| Infinity | $294 |
Disclaimer: Table data sourced from real-time Harrisburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisburg may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Harrisburg, Pennsylvania
Recent Harrisburg, Pennsylvania car insurance prices for Hyundai, BMW, Honda , and more.
*Quotes generated for Insurify users in and around Harrisburg, Pennsylvania within the last 10 days. Last updated on February 26, 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 February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Harrisburg, Pennsylvania within the last 10 days. Last updated on February 26, 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 February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Pennsylvania
The state of Pennsylvania is unusual in that it operates under a choice no-fault system for auto insurance.[3]
As a driver in Harrisburg, you can choose between “limited-tort” (no-fault) and “full-tort” (at-fault) coverage. If you opt for the limited-tort option, you’ll file a claim with your own insurer after a car accident, even if you weren’t at fault.
Full tort, on the other hand, usually comes with higher monthly payments but allows you to recover compensation for property damage and medical bills following an accident that wasn’t your fault.
In order to drive legally in Pennsylvania, your coverage must at least meet the following minimum car insurance requirements:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 |
| Medical benefits | $5,000 |
Adding more coverage to your auto insurance policy can protect your finances in a number of situations.
Here are some additional coverages to consider including in your policy:
Comprehensive coverage
Comprehensive incurance protects you from non-collision incidents that damage your vehicle, like theft, vandalism, and fire.
Collision coverage
If your car requires repairs or needs to be replaced after an accident, collision coverage will apply, regardless of who’s at fault.
Uninsured/underinsured motorist coverage
With an uninsured/underinsured motorist policy, you can protect yourself financially if you get into an accident with an uninsured driver or with a driver who lacks sufficient coverage.
Gap coverage
If you have an auto loan, gap insurance can cover the difference between your loan balance and your insurance settlement after your car is deemed a total loss.
Cheapest car insurance for drivers with an incident
Incidents such as at-fault accidents, speeding tickets, and driving under the influence (DUI) position you as a riskier driver to insurance companies. In turn, insurers will increase your car insurance premiums. This is why Harrisburg drivers with clean records usually pay cheaper rates than high-risk drivers.
Fortunately, finding affordable insurance with a poor driving record is still possible. Here’s an overview of the cheapest companies for Harrisburg drivers with incidents on their records.
The below rates in Harrisburg, PA, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| National General | $62 | $74 | $81 | $83 |
| State Farm | $70 | $85 | $91 | $93 |
| Erie | $81 | $103 | $105 | $108 |
| Auto-Owners | $87 | $109 | $113 | $116 |
| Safeco | $94 | $119 | $129 | $135 |
| Direct Auto | $103 | $124 | $138 | $137 |
| Travelers | $106 | $132 | $140 | $141 |
| Bristol West | $107 | $129 | $138 | $143 |
| GEICO | $109 | $137 | $139 | $145 |
| Root | $112 | $144 | $147 | $151 |
| Dairyland | $121 | $145 | $157 | $161 |
| Allstate | $123 | $154 | $162 | $164 |
| Nationwide | $139 | $174 | $184 | $185 |
| USAA | $143 | $178 | $188 | $191 |
| GAINSCO | $146 | $167 | $183 | $195 |
| Liberty Mutual | $159 | $195 | $208 | $212 |
| Chubb | $166 | $203 | $216 | $221 |
| CSAA | $180 | $219 | $259 | $240 |
| State Auto | $193 | $248 | $259 | $257 |
Disclaimer: Table data sourced from real-time Harrisburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Harrisburg may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Compared to teens and younger adults, seniors have a higher car accident mortality rate.[4] Average premiums, by age group, tend to go down around age 35 and pick back up around age 70. This is due to age-related physical and mental limitations, including changes in vision and reaction time.
Age | Average Monthly Quote |
|---|---|
| Teens | $193 |
| 20s | $138 |
| 30s | $112 |
| 40s | $100 |
| 50s | $88 |
| 60s | $82 |
| 70s | $76 |
Disclaimer: Table data is based on real-time Harrisburg quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Harrisburg, Pennsylvania
Check quotes from 120+ top insurance companies
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Harrisburg car insurance quotes by credit tier
Pennsylvania allows car insurance companies to consider your credit history when they underwrite your policy and determine your premium.
Because the top car insurance companies perceive drivers with good to excellent credit as less risky than drivers with poor credit, they offer these drivers the best coverage and most affordable car insurance rates.
The table below outlines the best car insurance rates for Harrisburg drivers with different credit scores.
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.
Harrisburg car insurance FAQs
Looking for more information to help you find the most affordable car insurance rates in Harrisburg? Consult the answers here.
How much is car insurance in Harrisburg?
The average rate for car insurance in Harrisburg is $122. More specifically, the average rate for liability-only coverage is $90 per month, and the average rate for full coverage is $154.
Which insurer has the cheapest car insurance in Harrisburg?
National General offers the most affordable car insurance in Harrisburg, on average. State Farm and Erie also offer low rates in the area. To find the best policy for you, make sure to compare quotes from several insurers.
What are the best car insurance companies in Harrisburg?
USAA, Mile Auto, and Clearcover rank as three of the top insurers in Harrisburg because they serve unique communities.
If you’re one of Harrisburg’s more than 2,000 veterans or active-duty personnel, USAA offers unique benefits for you. Low-mileage drivers have a unique opportunity to save with Mile Auto, and if you’re a student, you’ll find numerous discount opportunities with Clearcover.
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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Sources
- Pennsylvania Department of Transportation. "Crash Analysis Report."
- United States Census Bureau. "QuickFacts Harrisburg city, Pennsylvania."
- Insurance Information Institute. "Background on: No-fault auto insurance."
- NSC. "NSC Injury Facts."
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Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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