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Cheap Auto Insurance Quotes in Harrisburg, PA (June 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Harrisburg, 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 Harrisburg, PA to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Harrisburg is $128 per month, or $1536 annually.
- Car insurance in Harrisburg is $22 less than the average cost of car insurance in Pennsylvania.
- The cheapest car insurance provider in Harrisburg on average is Metromile, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$77
Progressive$123
GEICO$129
American Family$154
The General$197
Cheapest Car Insurance in Harrisburg, PA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Harrisburg | Quotes |
|---|---|
| State Farm | $77 /mo |
| Progressive | $123 /mo |
| GEICO | $129 /mo |
| American Family | $154 /mo |
| The General | $197 /mo |
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Average Car Insurance Cost
| Pennsylvania Cities | |
|---|---|
| Philadelphia | $246/mo |
| Pittsburgh | $144/mo |
| Allentown | $153/mo |
| Erie | $137/mo |
| Harrisburg | $136/mo |
| Pennsylvania | $163/mo |
Harrisburg$136
Erie$137
Pittsburgh$144
Allentown$153
Average for PA$163
Philadelphia$246
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Minimum Car Insurance Requirements in Pennsylvania
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 be 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[1] are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
- $5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
- $5,000 per accident for Medical Benefits
Medical Benefits, similar to PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
Find local Harrisburg agents
Looker Wolfe Gephart Insurance Agency Inc
44 Oak Park Road,
Harrisburg, PA 17109Alan Hostetler Ins Agts-Brok
300 S Progress Ave,
Harrisburg, PA 17109-5722Professional Liability Agency
2213 Forest Hills Dr #4,
Harrisburg, PA 17112-1090Integrity Underwriters Inc
5300 Derry St,
Harrisburg, PA 17111-3576AAA Central Penn Insurance Agency Inc
2301 Paxton Church Road,
Harrisburg, PA 17110-9688Reilly Insurance LLC
1701 N Front Street,
Harrisburg, PA 17102Pdais
3501 N Front St,
Harrisburg, PA 17110-1438Don Jacobs Insurance Servs Inc
4511 Jonestown Rd,
1st Fl, Harrisburg, PA 17109Paul E Deibler Insurance
3848 Derry St,
Harrisburg, PA 17111-2233Enders Insurance Assocs
5912 Linglestown Rd,
Harrisburg, PA 17112
Most Patriotic City
Harrisburg
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Erie won Insurify's Most Patriotic Cities Award for the state of Pennsylvania. The United States Department of Veterans Affairs operates the Erie Veterans Affairs Medical Center on East 38th Street.
FAQs - Harrisburg, PA Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Harrisburg Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Harrisburg, Pennsylvania below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Harrisburg drivers measure up to their fellow motorists across Pennsylvania in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Harrisburg
#12
City with the Most Speeding Tickets Rank in Pennsylvania
#26
City with the Most Moving Violations Rank in Pennsylvania
#10
City with the Most DUIs Rank in Pennsylvania
#14
City with the Most Suspended Licenses in Pennsylvania
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. Harrisburg drivers rank 20 in the number of car accidents per driver across all cities in Pennsylvania.
- Rank within state: #20
- Percent of drivers in Harrisburg with an accident: 10.12%
- Drivers in Harrisburg, PA with an accident in their driving history pay on average 32.12% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Pennsylvania, Harrisburg drivers rank 12 in the number of speeding infractions per driver.
- Rank within state: #12
- Percent of drivers in Harrisburg with a speeding ticket: 8.29%
- Drivers in Harrisburg, PA with a speeding ticket in their driving history pay on average 18.25% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Harrisburg drivers rank 10 in the number of DUI’s per driver across all cities in Pennsylvania.
- Rank within state: #10
- Percent of drivers in Harrisburg with a DUI: 2.4%
- Drivers in Harrisburg, PA with a DUI in their driving history pay on average 4.38% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Harrisburg is the Honda Accord.
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, Harrisburg drivers rank 9 in rude driving infractions.
- Rank within state: #9
- Percent of drivers in Harrisburg with a reckless driving violation: 2.07%
- Drivers in Harrisburg, PA with a reckless driving violation in their driving history pay on average 35.04% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Harrisburg drivers rank 8 in clean driving records across all cities in Pennsylvania.
- Rank within state: #8
- Percent of drivers in Harrisburg with clean record: 81.34%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Harrisburg drivers rank 4 in failure to yield violations per driver across all cities in Pennsylvania.
- Rank within state: #4
- Percent of drivers in Harrisburg with a failure to yield violation: 0.33%
- Drivers in Harrisburg, PA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
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, Harrisburg drivers rank 1 in the number of reckless driving offenses per driver.
- Rank within state: #1
- Percent of drivers in Harrisburg with a reckless driving offense: 0.25%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Harrisburg drivers rank 23 in hybrid and electric vehicle ownership across all cities in Pennsylvania.
- Rank within state: #23
- Percent of drivers in Harrisburg with a hybrid/electric vehicle: 0.38%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- Pennsylvania Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022