Cheapest Auto Insurance in Scranton, Pennsylvania (2024)

State Farm offers the cheapest rates in Scranton, with liability-only quotes of $48 per month.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Updated June 16, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Scranton, Pennsylvania

Recent Scranton, Pennsylvania car insurance prices for Honda, Jeep, Toyota , and more.

*Quotes generated for Insurify users in and around Scranton, Pennsylvania within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Scranton, Pennsylvania within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Scranton drivers can find the cheapest car insurance rates from State Farm, Mile Auto, and Erie. While Scranton’s average monthly car insurance rates are comparable to the Pennsylvania state averages, they’re significantly lower than national average car insurance rates.

In Scranton, full-coverage car insurance averages $194 per month, while liability only is $74. By comparison, the state averages are $193 and $93, respectively. The national average cost of full-coverage car insurance is $215, while liability policies average $105 per month.

The exact costs you’ll pay vary depending on your driving history, age, credit history, ZIP code, and other factors. Comparison shopping is the best way to find cheap car insurance in Scranton.

Quick Facts
  • In Scranton, State Farm is the cheapest liability insurance company, and Mile Auto is the cheapest full-coverage insurance company.

  • Pennsylvania had 115,938 accidents in 2022, with 1,179 fatalities, according to Pennsylvania Department of Transportation data.

  • Insurance companies use your driving history, age, and credit score to determine your premiums.

3 of the cheapest car insurance companies in Scranton

The auto insurance company that’s best for you will depend on your individual situation and needs. The following three insurance companies are the cheapest options for Scranton drivers.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.6$93$51Young drivers
Erie4.6$108$59Coverage options
Auto-Owners4.3$116$64High-value vehicles
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-5 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 young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$88/mo

Scranton is home to several schools, including The University of Scranton, Marywood University, and Geisinger Commonwealth School of Medicine. Young drivers at these colleges can likely benefit from State Farm’s competitive rates.

Teens who maintain good grades could save up to 25% on auto insurance, and the savings may last until they turn age 25. And if a student attends college and only uses their vehicle on holidays and breaks, they could earn a student away at school discount.

Pros
  • Numerous discounts available for teen drivers

  • Rideshare insurance available

Cons
  • Doesn’t offer gap insurance

  • Can’t purchase a policy online

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for coverage options: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$56/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.
$102/mo

Erie Insurance offers Pennsylvania drivers plenty of coverage options to protect them in case of an accident. If your pet is injured in a car accident, Erie’s auto insurance coverage will pay for up to $500 of the treatment costs. And with personal item coverage, you can get reimbursement for up to $350 for any clothing, luggage, or other valuables in your car.

Erie also offers glass repair, which waives the deductible if you need windshield replacement or repair. Its roadside assistance, rental car coverage, and locksmith services will protect you in an emergency.

Pros
  • Best option for drivers after an accident

  • No. 1 in J.D. Power’s 2023 U.S. Auto Insurance Study in the Mid-Atlantic region

Cons
  • Online claims not available

  • No usage-based insurance policies

Read our Erie Insurance review
Salvador - June 15, 2024
Verified

Great!

Great service, but the price increases after a claim, even after years of service.

George - June 6, 2024
Verified

Poor

I love you all, but I don't understand why my insurance went up.

Teresa - June 3, 2024
Verified

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

Best insurer for high-value vehicles: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$60/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.
$110/mo

Auto-Owners offers several types of coverage that protect your car’s value. Classic and vintage car owners can purchase classic car insurance, so in the event of a total loss, you’ll receive the agreed-upon value. Diminished value coverage will protect your investment in your vehicle, too.

Gap insurance will cover the difference between what you still owe on your car and what it’s currently worth. Additionally, if you’re involved in an accident with another driver insured with Auto-Owners, the company will waive your deductible.

Pros
  • A++ (Superior) financial strength rating from AM Best

  • Classic car insurance available

Cons
  • Not available in every state

  • Fewer digital tools than other insurers

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

How to get the cheapest car insurance in Scranton

Getting low rates isn’t about finding the first deal that comes your way. In fact, you may have to do a little work and take some steps to get the best rates for auto coverage.

Here are some ways to get cheap car insurance rates in Scranton:[1]

  • Increase your deductible. Your deductible is the out-of-pocket expense you’ll pay before your insurance coverage kicks in. The higher your deductible, the less you’ll pay in monthly premiums.

  • Take advantage of discounts. Most insurance companies offer discounts to give customers a way to save on car insurance. For example, you could receive a discount for taking a defensive driving course, having certain safety features in your car, and maintaining good grades.

  • Bundle your coverage. Most insurers offer discounts to customers who purchase multiple policies. You could save by bundling your auto insurance with life or homeowners insurance.

  • Shop around. The best way to save on auto insurance is by shopping around among different insurance companies. It’s a good idea to compare quotes from at least three companies to see which one offers you the best terms.

Find Cheap Car Insurance in Scranton, Pennsylvania

Rates start at $62 per month for liability policies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest liability-only car insurance in Scranton: State Farm

Liability car insurance meets state minimum requirements and pays for damages to the other drivers’ vehicles and medical bills after an accident you cause. However, it won’t pay for repairs to your car or medical costs you incur.

State Farm is the cheapest option for liability-only insurance in Scranton, with rates as low as $48 per month. The table below shows other affordable liability car insurance companies in Scranton to consider.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$48
Mile Auto$49
Erie$56
Auto-Owners$60
National General$60
Foremost$63
Safeco$72
Travelers$73
GEICO$74
Progressive$75
Midvale Home & Auto$82
Allstate$85
The General$89
Direct Auto$90
Plymouth Rock$90
Nationwide$96
USAA$99
Liberty Mutual$110
Dairyland$112
Chubb$114
Bristol West$121
State Auto$132
CSAA$138
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 Scranton: Mile Auto

Full-coverage auto insurance includes liability, collision, and comprehensive insurance, providing protection for your own car, regardless of fault. Because it provides more coverage, it’s typically more expensive than a liability insurance policy.

Drivers in Scranton can find the cheapest full-coverage insurance with Mile Auto, with rates as low as $66 per month.

The following table outlines what drivers can expect to pay for full-coverage insurance in Scranton.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$66
State Farm$88
Erie$102
Auto-Owners$110
Safeco$117
Plymouth Rock$124
Midvale Home & Auto$126
Travelers$133
GEICO$137
Progressive$138
Nationwide$141
Liberty Mutual$150
Allstate$154
Direct Auto$160
Foremost$160
CSAA$172
State Auto$174
USAA$180
National General$188
Chubb$208
The General$219
Bristol West$226
Infinity$229
Dairyland$256
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 Scranton, Pennsylvania

Recent Scranton, Pennsylvania car insurance prices for Toyota, Honda, Jeep , and more.

*Quotes generated for Insurify users in and around Scranton, Pennsylvania within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Scranton, Pennsylvania within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Pennsylvania

To drive legally in Pennsylvania, you must carry the minimum required liability coverage. If you drive without insurance, you face a $300 fine, driver’s license and vehicle registration suspension, and car impoundment.

Pennsylvania state law requires that all drivers carry the following minimum-coverage car insurance:[2]

CoverageMinimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 per accident
Medical benefits$5,000 per accident

Liability insurance won’t be enough protection for many drivers, so you might consider purchasing the following coverages:

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

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if a driver without insurance — or with limits too low to pay out your medical and repair bills — causes an accident involving you.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Funeral benefits coverage

    This benefit will pay for funeral expenses if you or a family member die in an automobile accident.

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

    Collision coverage

    Collision insurance pays for repairs to your vehicle if you hit a stationary object or another vehicle, even if you’re at fault.

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

    Comprehensive coverage

    Comprehensive coverage pays for damages resulting from vandalism, a storm, or a falling object.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This coverage will pay a certain amount of the rental car costs following a covered accident.

Cheapest car insurance for drivers with an incident

Good drivers typically pay the lowest rates on car insurance, so if you have a history of driving incidents, you can expect your rates to go up. Driving incidents include speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations.

If you have a history of driving incidents, your insurance company will consider you a high-risk driver and charge you higher rates on your auto insurance policy. When your premiums go up after a driving incident, these increased rates will usually remain in place for at least three years following the claim.[3]

For instance, drivers with clean records in Scranton pay an average of $74 per month for liability coverage, but a speeding ticket could increase this to $95 per month, on average. A more serious conviction, like a DUI, can increase rates to $116 per month, on average.

The table below shows how average rates in Scranton change based on driving history.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$48$58$62$78
Mile Auto$49$65$70$72
Erie$56$70$74$91
Auto-Owners$60$73$78$98
National General$60$72$78$98
Foremost$63$85$90$103
Safeco$72$89$91$117
Travelers$73$90$96$119
GEICO$74$90$97$120
Progressive$75$92$99$122
Midvale Home & Auto$82$104$113$133
Allstate$85$104$111$138
The General$89$110$118$145
Direct Auto$90$111$120$146
Plymouth Rock$90$119$128$130
Nationwide$96$118$126$156
USAA$99$121$129$161
Liberty Mutual$110$149$157$179
Dairyland$112$138$146$182
Chubb$114$141$149$185
Bristol West$121$147$155$197
State Auto$132$176$190$215
CSAA$138$173$188$225
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

Age is another factor influencing how much you pay for auto insurance. Teen drivers almost always pay the most for car insurance since they have a higher fatal crash rate than other age groups. This is largely due to their lack of experience and propensity for engaging in risky driving behaviors.[4]

Rates start to decrease around age 35 but increase again around age 70. Fortunately, seniors can reduce their insurance costs by qualifying for low-mileage discounts or taking a defensive driving course.[5]

The following table outlines average Scranton car insurance rates by driver age group.

AgeAverage Monthly Quote
Teens$296
20s$210
30s$170
40s$151
50s$135
60s$125
70s$117
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 Scranton, PA

Compare car insurance prices from top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Scranton car insurance quotes by credit tier

Pennsylvania is one of many states that allows insurance companies to consider credit scores during underwriting.[6] Insurance companies believe that drivers with poor credit scores are more likely to file an insurance claim, so maintaining an excellent or good credit score can help lower your insurance costs.

The following table shows the average monthly cost of car insurance based on credit tier.

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.

Scranton car insurance FAQs

Learn about how much car insurance you need before you buy a policy, and check out the answers to frequently asked questions about Scranton car insurance.

  • How much is car insurance in Scranton?

    The average cost of car insurance in Scranton is $74 per month for liability coverage and $194 per month for full coverage.

  • Which insurer has the cheapest car insurance in Scranton?

    State Farm, Mile Auto, and Erie are the cheapest liability car insurance companies in Scranton, with rates of $48, $49, and $56 per month, respectively. However, the best way to find the cheapest car insurance is to compare quotes from multiple insurers to find the one that offers you the lowest rate for the coverage you need.

  • What are the best car insurance companies in Scranton?

    Some of the best car insurance companies in Scranton include Auto-Owners, Erie, and State Farm. These insurance companies have high J.D. Power customer satisfaction rankings, strong AM Best ratings, and solid Insurify Quality (IQ) Scores.

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. III. "How to save money on car insurance."
  2. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  3. III. "Do auto insurance premiums go up after a claim?."
  4. NHTSA. "Teen Safe Driving: How Teens Can Be Safer Drivers."
  5. III. "Senior driving safety and insurance tips."
  6. Pennsylvania Insurance Department. "How Credit Relates to Insurance: A Fact Sheet for Pennsylvania Consumers."
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all