120+ more*Quotes generated for Insurify users in and around Wilkes Barre, Pennsylvania within the last 10 days. Last updated on September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Wilkes Barre, Pennsylvania within the last 10 days. Last updated on September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
The average cost of auto insurance in Wilkes-Barre, Pennsylvania, is $141 per month for full coverage and $89 per month for minimum coverage. Drivers in Wilkes-Barre pay less for car insurance than people in Scranton and Allentown.
Wilkes-Barre residents may see cheaper premiums than the Pennsylvania average due to the city’s walkability, declining vehicle theft rates, and short commute times.[1] [2] The mean commute in Wilkes-Barre is 20.7 minutes, compared to 26.3 minutes for the entire state.
State Farm has the cheapest car insurance in Wilkes-Barre, with an average rate of $45 for liability-only coverage. The cheapest full-coverage insurer is State Farm, with an average monthly rate of $76 . Wilkes-Barre drivers pay less for auto insurance than the Pennsylvania average.
Drivers in Wilkes-Barre must carry a minimum amount of auto insurance. Pennsylvania car insurance requirements are 15/30/5 in liability coverage, which includes $15,000 for one person’s injuries in an accident, $30,000 for all injuries in an accident, and $5,000 for all property damage in an accident.[3]
Most Wilkes-Barre drivers (63%) own their vehicles rather than lease or finance them, according to Insurify data. But even if you don’t have to buy full coverage, it can be a good idea in Wilkes-Barre. Full-coverage policies include comprehensive coverage, which pays for accidents with animals. In 2025, Pennsylvania logged just over 5,000 accidents (4.6% of all crashes) involving a deer, according to Pennsylvania Department of Transportation (PennDOT) data.
In the table below, you can see the cheapest liability-only and full-coverage car insurance rates in Wilkes-Barre.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $45 |
| National General | $51 |
| Erie | $52 |
| First Acceptance | $54 |
| Auto-Owners | $56 |
| The General | $62 |
| Progressive | $63 |
| Travelers | $68 |
| GEICO | $71 |
| Safeco | $74 |
| Direct Auto | $75 |
| Allstate | $80 |
| Bristol West | $82 |
| Root | $93 |
| USAA | $93 |
| Dairyland | $98 |
| Chubb | $108 |
| Liberty Mutual | $114 |
| GAINSCO | $115 |
| State Auto | $125 |
| CSAA | $150 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $76 |
| Erie | $88 |
| Auto-Owners | $95 |
| Plymouth Rock | $101 |
| National General | $113 |
| Travelers | $115 |
| GEICO | $118 |
| Safeco | $118 |
| Liberty Mutual | $132 |
| Progressive | $132 |
| Allstate | $133 |
| First Acceptance | $136 |
| Direct Auto | $148 |
| Root | $149 |
| Bristol West | $152 |
| USAA | $155 |
| Chubb | $178 |
| GAINSCO | $206 |
| State Auto | $208 |
| CSAA | $217 |
| The General | $241 |
| Dairyland | $244 |
Minimum coverage starts as low as $45/mo.
Car insurance premiums in Pennsylvania vary by city. State College is the cheapest city for car insurance in the commonwealth, with an overall monthly average of $95. Philadelphia is the most expensive, at $217 per month, overall.
Wilkes-Barre is the county seat for Luzerne County, which has a much lower accident rate than other parts of Pennsylvania. In 2025, Luzerne County saw 3,102 total accidents, compared to 7,000 in Philadelphia County, according to PennDOT data.
The following table below shows the average cost of auto insurance in other Pennsylvania cities.
City | Average Monthly Quote |
|---|---|
| State College | $95 |
| Hanover | $99 |
| Altoona | $106 |
| Chambersburg | $107 |
| Lancaster | $107 |
| Pottsville | $111 |
| Bethlehem | $113 |
| York | $114 |
| Erie | $116 |
| Pittsburgh | $117 |
| Harrisburg | $121 |
| Phoenixville | $124 |
| Scranton | $127 |
| Reading | $129 |
| Allentown | $143 |
| Bristol | $143 |
| Chester | $184 |
| Philadelphia | $217 |
Wilkes-Barre is a comparatively larger city in Pennsylvania with a high population density. If you’re planning to drive in Wilkes-Barre, here are some important things to know:
Parking downtown: Downtown Wilkes-Barre is very walkable. Consider parking downtown and walking or using public transportation to explore the city, like the Wilkes-Barre River Common or the River Street National Historic District.
Vehicle thefts: Between July 2025 and July 2026, Wilkes-Barre only saw 38 vehicle thefts, according to FBI data. But if you’re going downtown, parking in a gated garage could reduce the risk of someone stealing your car.
Flood risks: Wilkes-Barre is susceptible to flooding from the Susquehanna River and nearby creeks. While the Brookside Levee protects hundreds of Wilkes-Barre residents from flooding, it’s still important to take precautions while driving during a flood event.[4]
Rush-hour traffic: Although Wilkes-Barre has a relatively small population, rush-hour traffic isn’t uncommon. If you commute to Scranton on Interstate 81 North, you could run into congestion on the roads around peak hours.
Driving history significantly affects car insurance rates in Wilkes-Barre. Roughly 2.5% of Wilkes-Barre drivers have a speeding ticket on their record, and 3.8% have been in an accident, according to Insurify data.
The PennDOT uses a points system to determine which drivers pose the highest risk. After six or more license points, drivers must complete a written exam or attend Driver Improvement School.
Plus, if you’re among the 0.75% of Wilkes-Barre drivers with a driving under the influence (DUI) conviction on their records, Pennsylvania law requires you to pay a $300 fine, attend alcohol highway safety school, and drive with an ignition interlock for one year for a first offense.[5]
The following table shows the average monthly car insurance quote in Wilkes-Barre based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $115 |
| Speeding ticket | $130 |
| At-fault accident | $141 |
| DUI | $185 |
Getting quotes through Insurify could cut your bill up to 50%
Teen drivers in Wilkes-Barre are eligible for a learner’s permit starting at age 16 and can get a full driver’s license at 16.5 years old. Young drivers younger than 18 who accumulate six or more points on their license will have their driver’s license suspended for 90 days. Nearly 22% of Wilkes-Barre residents are younger than 18.
Only 15% of Wilkes-Barre residents are age 65 or older, but seniors typically get the most affordable car insurance in Wilkes-Barre.
The following table shows the cheapest liability rates for Wilkes-Barre drivers by age.
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 Wilkes Barre, Pennsylvania within the last 10 days. Last updated on September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Wilkes Barre, Pennsylvania within the last 10 days. Last updated on September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Drivers looking for cheap liability or full-coverage car insurance in Wilkes-Barre have many options. Here’s some information that can be helpful as you compare policies and car insurance quotes in Wilkes-Barre.
The average car insurance premium in Wilkes-Barre is $141 per month for full coverage and $89 per month for minimum coverage. To find the most affordable car insurance in Wilkes-Barre, it’s a good idea to shop around and compare rates from multiple insurers.
State Farm has the cheapest car insurance in Wilkes-Barre, based on Insurify data. Its average minimum-coverage rate for Wilkes-Barre drivers is $45 per month. Wilkes-Barre drivers can also find cheap rates from National General and Erie.
Some of the best car insurance companies in Wilkes-Barre are State Farm, Erie, and CSAA. These insurers all earn high overall customer satisfaction scores, according to J.D. Power.
Specific factors that likely influence premiums in Wilkes-Barre include the city’s higher population density but smaller population, fewer accidents in the county, and declining vehicle theft rates.
Pennsylvania auto insurance laws require at least 15/30/5 in liability coverage, which provides $15,000/$30,000 for bodily injury liability insurance and $5,000 for property damage liability insurance.
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:
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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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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