120+ more*Quotes generated for Insurify users in and around Scranton, Pennsylvania within the last 10 days. Last updated on November 4, 2026. 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 November 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
The average monthly cost of car insurance in Scranton is $169 for full coverage and $94 for liability-only insurance, Insurify data shows. Car insurance rates in Scranton are cheaper than in Philadelphia, a much larger city known for its traffic congestion. But Scranton premiums are more expensive than in nearby Wilkes-Barre.
Scranton car insurance rates are on par with the Pennsylvania average premium. Scranton has fewer people than major Pennsylvania hubs like Philadelphia and Pittsburgh, but it also has much more traffic volume than most of Pennsylvania’s smaller boroughs.[1] [2]
Liability policies average $94/mo.
Plymouth Rock has the cheapest car insurance in Scranton, with an average monthly premium of $48 for state-minimum liability coverage. State Farm has the cheapest rates for full coverage, at $87 per month.
Pennsylvania law requires drivers to have bodily injury liability coverage, property damage liability coverage, and no-fault medical benefits, also known as personal injury protection (PIP).[3] Alternatively, you can buy a combined single-limit liability policy.
Opting for liability-only insurance saves you money, but it doesn’t cover damage to your own vehicle from a car accident or non-collision events like weather damage and theft.
Full-coverage insurance, which typically includes collision and comprehensive coverage, covers damage from accidents and weather events, such as the extensive flooding Scranton experienced in September 2023.[4]
The following table shows the cheapest liability-only and full-coverage rates in Scranton, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $48 |
| State Farm | $52 |
| Erie | $62 |
| National General | $62 |
| First Acceptance | $64 |
| Auto-Owners | $66 |
| Progressive | $68 |
| Allstate | $71 |
| The General | $72 |
| Travelers | $81 |
| GEICO | $84 |
| Safeco | $87 |
| Direct Auto | $88 |
| Bristol West | $100 |
| USAA | $109 |
| Root | $115 |
| Dairyland | $120 |
| Chubb | $126 |
| GAINSCO | $134 |
| Liberty Mutual | $135 |
| State Auto | $146 |
| CSAA | $177 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $87 |
| Erie | $101 |
| Auto-Owners | $108 |
| Plymouth Rock | $116 |
| Travelers | $131 |
| Allstate | $132 |
| National General | $135 |
| GEICO | $137 |
| Safeco | $138 |
| Liberty Mutual | $154 |
| First Acceptance | $158 |
| Progressive | $158 |
| Direct Auto | $172 |
| Bristol West | $177 |
| USAA | $177 |
| Root | $186 |
| Chubb | $204 |
| The General | $214 |
| State Auto | $238 |
| GAINSCO | $251 |
| CSAA | $254 |
| Dairyland | $292 |
The most expensive cities in Pennsylvania for car insurance are Philadelphia, a densely populated urban hub with heavy traffic congestion, and Chester, a suburb with a high motor vehicle theft rate and traffic-fatality rates.[5] [6] The cheapest Pennsylvania city for car insurance is State College, a safe, walkable city with a lower-than-average commute time.[7]
Scranton is smaller and less congested than Philadelphia, but it has more property crime and a longer average commute time than nearby boroughs like Clarks Summit and Dunmore. Flash flooding and seasonal deer collisions also drive comprehensive coverage claims in Scranton.
The following table shows average car insurance rates by city in Pennsylvania, based on data from Insurify.
City | Average Monthly Quote |
|---|---|
| Allentown | $153 |
| Bethlehem | $116 |
| Erie | $119 |
| Harrisburg | $124 |
| Lancaster | $111 |
| Philadelphia | $227 |
| Pittsburgh | $125 |
| Reading | $136 |
| Scranton | $132 |
| State College | $96 |
| Wilkes-Barre | $121 |
| York | $120 |
Scranton is less populous than other major Pennsylvania cities, but drivers on Interstate 81 often experience heavy traffic. The Pennsylvania Turnpike plans to ease congestion with the completion of the Scranton Beltway, which will connect I-81 to Interstate 476.[8]
Scranton also has a lower-than-average traffic-fatality rate compared with other cities, but drivers should exercise caution on Scranton’s roadways, especially during inclement weather. The Pennsylvania Department of Transportation takes measures to prevent and remove snow and ice, but snowfall often accumulates faster than plows can clear the roads during a storm.
The city of Scranton enforces metered street parking downtown from 8 a.m. to 7 p.m. on weekdays. All-day parking is available on select blocks at a flat rate of $3.25, and downtown residents can access discounted monthly garage passes.
Outdoor recreation and cultural events draw the most tourists to Scranton during the warmer months, including attractions such as Steamtown National Historic Site and the Lackawanna River Heritage Trail, as well as events like First Friday art walks and the Scranton Jazz Festival.
Violations on your driving record often result in higher car insurance premiums in Scranton. Insurify data found that 2% of Scranton drivers have a speeding ticket, 4.3% have a car accident, and 0.7% have a driving under the influence (DUI) on their driving record.
Despite Pennsylvania’s choice no-fault system, only at-fault accidents increase car insurance rates in Scranton under state law.
The Scranton Police Department heavily enforces DUI offenses — the city has the third-highest arrest record of any Pennsylvania city police department after Philadelphia and Pittsburgh. Pennsylvania uses a tiered system of penalties for DUI offenses with strict consequences, including prison sentences up to five years, depending on your BAC and previous offenses.
The table below shows how common moving violations affect average car insurance rates in Scranton, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $132 |
| Speeding ticket | $148 |
| At-fault accident | $163 |
| DUI | $213 |
Teen drivers in Scranton pay an average of 75% more for full-coverage car insurance than all other age groups, Insurify data shows. Insurers charge teens higher rates because they’re more likely to be involved in a car accident than any other age group.
Senior drivers, on the other hand, pay the lowest average rates in Scranton. Drivers 55 and older can also qualify for a 5% premium discount by taking the Basic Mature Driver Improvement Course under Pennsylvania law.
Scranton’s population has a larger share of older adults than Pennsylvania’s other major cities, with 19% of Scranton residents aged 65 and older, according to U.S. Census Bureau data.
The following table shows the average monthly liability-only car insurance rates for Scranton drivers by age group.
Age | Average Monthly Quote |
|---|---|
| Teens | $162 |
| 20s | $114 |
| 30s | $102 |
| 40s | $98 |
| 50s | $86 |
| 60s | $81 |
| 70+ | $79 |
*Quotes generated for Insurify users in and around Scranton, Pennsylvania within the last 10 days. Last updated on November 4, 2026. 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 November 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you still have questions about your coverage options or need help finding cheap auto insurance quotes, check out these questions Scranton drivers commonly ask about buying a Pennsylvania car insurance policy.
The average cost of car insurance in Scranton is $132 per month across policy types, but your rate will depend on your driving profile and the auto insurance company and coverage options you choose. You can also save money by bundling your car insurance with other insurance products, like your homeowners or life insurance.
Plymouth Rock is the cheapest auto insurance company in Scranton, with an average monthly liability premium of just $48. State Farm and National General also offer cheap car insurance coverage in Scranton, according to Insurify data. To find the best deal for your insurance needs, it’s a good idea to compare customized car insurance quotes.
Auto insurance companies consider factors like your driving record, vehicle, annual mileage, and coverage limits when calculating your premium. By law, insurers can’t charge excessive or discriminatory rates. And in Pennsylvania, insurers aren’t allowed to raise your rates for a collision where you aren’t at fault.
The best way to find affordable car insurance in Scranton is to compare auto insurance quotes. Choose limited-tort coverage to get the lowest rates. You can also ask your insurance agent about discount opportunities and consider choosing a higher deductible. Remember to consider factors beyond price when choosing a policy, such as the process to file a claim.
Pennsylvania’s minimum auto insurance requirements include at least $15,000 per person and $30,000 per accident in bodily injury liability coverage, $5,000 in property damage liability coverage, and $5,000 in PIP. You can also buy a combined single-limit policy with $35,000 in coverage to satisfy state-minimum insurance requirements.
Insurify data scientists analyzed more than 250 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:
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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