Cheapest Auto Insurance in Harrisburg, Pennsylvania (2024)

State Farm offers the cheapest car insurance in Harrisburg, with minimum-coverage policies as low as $47 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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  • 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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Chris Schafer
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Chris Schafer
Chris SchaferSenior Editor
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  • 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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Updated July 14, 2024

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Cheapest recent rates near Harrisburg, Pennsylvania

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $79/mo for full coverage in Harrisburg and other Pennsylvania cities.

*Quotes generated for Insurify users in and around Harrisburg, Pennsylvania within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 State Farm, Mile Auto, 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 $87 per month for liability insurance and $170 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 CompanyIQ 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 CoverageLiability OnlyBest for
USAA9.4$196$103Military members
Mile Auto7.5$70$52Infrequent drivers
Clearcover6.8$${AUTO_CARRIER_CLEARCOVER_FULL_STATE_PA_PRICE}$${AUTO_CARRIER_CLEARCOVER_LIABILITY_STATE_PA_PRICE}Students
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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

Compare personalized, real-time quotes
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.
9.4/10
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.
$94/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.
$179/mo

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

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

Best insurer for infrequent drivers: Mile Auto

Compare personalized, real-time quotes
User Reviews
4.0
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.
7.5/10
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.
$48/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.
$64/mo

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

Read more driver reviews of Mile Auto
Deborah - July 8, 2024
Verified

Sometimes Better Than Others

They're good, it just takes a while for them to do anything.

Best insurer for students: Clearcover

Compare personalized, real-time quotes
User Reviews
3.1
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.
6.8/10
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.
$89/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.
$144/mo

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

Read more driver reviews of Clearcover
Nikkolaus - July 10, 2024
Verified

Prices Skyrocketing

ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!

Miche - July 1, 2024
Verified

Not Valued as a Loyal Customer

The price was good, but they do not value loyal customers.

Jimmy - June 5, 2024
Verified

Too Expensive

I had them for years and made no claims. However, upon checking around, I found them to be too expensive. They were charging $200 a month more for the same coverage.

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 $47 per month

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Cheapest liability-only car insurance in Harrisburg: State Farm

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.

State Farm offers the most affordable liability insurance for Harrisburg drivers, with rates starting at $47 per month.

The table below shows quotes for liability-only policies from different car insurance companies in Harrisburg.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$47
Mile Auto$48
Erie$54
Auto-Owners$58
National General$61
Foremost$63
Travelers$69
GEICO$72
Progressive$72
Safeco$75
Allstate$81
Plymouth Rock$87
Direct Auto$88
The General$88
Nationwide$91
USAA$94
Chubb$109
Dairyland$112
Liberty Mutual$114
Bristol West$119
State Auto$127
CSAA$136
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 Harrisburg: Mile Auto

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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$64
State Farm$88
Erie$101
Auto-Owners$110
Plymouth Rock$121
Midvale Home & Auto$123
Safeco$123
Travelers$133
GEICO$136
Progressive$137
Allstate$154
Liberty Mutual$157
National General$157
Foremost$164
CSAA$165
Direct Auto$170
Nationwide$175
USAA$179
State Auto$197
Chubb$208
The General$219
Bristol West$221
Infinity$225
Dairyland$259
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 Harrisburg, Pennsylvania

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $79/mo for full coverage in Harrisburg and other Pennsylvania cities.

*Quotes generated for Insurify users in and around Harrisburg, Pennsylvania within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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:

CoverageMinimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident6
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:

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

    Comprehensive coverage

    Comprehensive incurance protects you from non-collision incidents that damage your vehicle, like theft, vandalism, and fire.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

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

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$47$57$62$77
Mile Auto$48$63$68$70
Erie$54$68$73$88
Auto-Owners$58$71$76$95
National General$61$75$81$100
Foremost$63$85$91$103
Travelers$69$85$92$113
GEICO$72$88$95$118
Progressive$72$89$97$118
Safeco$75$93$96$123
Allstate$81$99$107$133
Plymouth Rock$87$115$125$128
Direct Auto$88$108$119$144
The General$88$109$118$144
Nationwide$91$113$121$149
USAA$94$115$124$154
Chubb$109$136$145$179
Dairyland$112$138$147$184
Liberty Mutual$114$154$164$187
Bristol West$119$145$155$195
State Auto$127$170$184$208
CSAA$136$171$188$223
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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. 

AgeAverage Monthly Quote
Teens$193
20s$138
30s$112
40s$100
50s$88
60s$82
70s$76
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.

Shop for Car Insurance in Harrisburg, Pennsylvania

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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 $128. More specifically, the average rate for liability-only coverage is $87 per month, and the average rate for full coverage is $170.

  • Which insurer has the cheapest car insurance in Harrisburg?

    State Farm offers the most affordable car insurance in Harrisburg, on average. Mile Auto 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 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 50+ 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. Pennsylvania Department of Transportation. "Crash Analysis Report."
  2. United States Census Bureau. "QuickFacts Harrisburg city, Pennsylvania."
  3. Insurance Information Institute. "Background on: No-fault auto insurance."
  4. NSC. "NSC Injury Facts."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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.

Featured in

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