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Cheapest recent rates near Wilkes Barre, Pennsylvania
Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $87/mo for full coverage in Wilkes Barre and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Wilkes Barre, Pennsylvania within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 January 27, 2025. 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 January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Wilkes-Barre pay an overall average of $134 per month for car insurance, similar to Pennsylvania’s state average of $134 per month and lower than the national monthly average of $152. Pennsylvania has a relatively small number of uninsured drivers, which could help keep rates low.
Here’s what you need to know about comparing quotes and saving money on your auto policy in Wilkes-Barre.
Quick Facts
When shopping for cheap car insurance in Wilkes-Barre, you’ll likely find the lowest prices with State Farm, Mile Auto, and Erie.
Full-coverage and liability-only policies cost an average of $162 and $106 per month in Wilkes-Barre.
Pennsylvania is a “choice” no-fault state that allows drivers to use a tort system for additional insurance payouts in some cases.
3 of the cheapest car insurance companies in Wilkes-Barre
Finding the cheapest car insurance will depend on your specific needs. While some companies offer overall lower rates than others, you may find a different company better meets your coverage needs. Taking time to look at your options can help you make an educated decision that helps you save money and get the best coverage possible.
Here are a few of the cheapest policies available for drivers in Wilkes-Barre based on different situations.
Insurance Company
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
State Farm
9.3
$110
$51
Cheap rates
Travelers
9.0
$165
$77
Teen drivers
Foremost
7.4
$267
$88
Drivers with an accident
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 55,000 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.
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.
9.3 /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.
$51/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
4.2
Best choiceBased on 9,467 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,215)
Casel
January 28, 2025
Verified Review
I've only had one claim in the last 20 years, but they still raise my rates even though I only drive an average of 5 miles a week.
I've only had one claim in the last 20 years, but they still raise my rates even though I only drive an average of 5 miles a week.
Jennifer
January 28, 2025
Verified Review
Increased Payment
Increased payment.
Roland
January 27, 2025
Verified Review
Paying Too Much for Minimal Personal Vehicle Use
The prices are too high for seniors. I have a 2016 Chevy Colorado with only 37,000 miles on it. I use my work truck more than my personal one, and I feel I'm paying too much. If you can negotiate a cheaper price, I will stay. If not, I will look for a better company with a cheaper policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
A well-established company in the insurance industry, State Farm provides some of the cheapest auto coverage in Wilkes-Barre. The company offers standard auto coverage options as well as some additional insurance products. State Farm advertises 10 available discounts for customers to save with, too.
Pros
AM Best financial strength rating of A++ (Superior)
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.
9.0 /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.
$77/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.
$165/mo
4.7
Best choiceBased on 781 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (405)
Brandy
January 25, 2025
Verified Review
Poor
I received a $12 discount, but was told three different things when I called about it.
Jennifer
January 13, 2025
Verified Review
Good Communicators
I've had a generally good experience with them. They are very communicative.
Marc
January 9, 2025
Verified Review
Switching to Travelers was Painless
The agent worked with me to get the best value and coverage for me.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Travelers offer policies for home, auto, renters, and recreation vehicles. The company offers competitive rates, even for drivers with spotty records. And eligible teenagers can earn good student, student away-at-school, and driver training discounts.
Pros
Lower rates than national average
At least 12 available discounts
Cons
Many negative reviews online
Low Better Business Bureau (BBB) ratings
Best insurer for drivers with an accident: Foremost
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.
7.4 /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.
$88/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.
$267/mo
3.6
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Foremost
Drivers appreciate the patient customer service and flexible payment options but dislike the roadside service and inconsistent pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
How drivers feel about Foremost
Drivers appreciate the patient customer service and flexible payment options but dislike the roadside service and inconsistent pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
Reviews (12)
Kenneth
November 19, 2024
Verified Review
Not Worth It
They are not satisfactory. I have never made a claim, yet they raised my rate by 400 dollars. The coverage they provide is also insufficient. They are not worth it.
Barbara
October 22, 2024
Verified Review
Foremost Takes Care of My Home
I haven't had much contact with Foremost, but the interactions I've had have been very good and professional.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Founded in 1952, Foremost initially offered insurance for mobile homes. Farmers Insurance purchased Foremost in 2000, which allowed Foremost to expand its services. The company now offers a wide range of insurance products, including mobile home insurance, auto insurance, and commercial auto products for small businesses.
Pros
AARP-endorsed mobile home and motorcycle coverage
Provides coverage for drivers who may otherwise have a tough time finding a policy
Cons
Frequent customer complaints about claim processing timelines
Auto insurance quotes not available online
How to get the cheapest car insurance in Wilkes-Barre
When you’re looking for cheap car insurance, you should consider a few different ways you can save money. Beginning the shopping process with some knowledge can help you get the best deal for the coverage you need.
Insurers consider several factors when determining insurance rates, including your driving record, age, location, vehicle type, and average mileage. For example, drivers in urban areas may pay elevated rates because accidents occur more frequently in heavy traffic.
If you want to save money on car insurance, try the following tactics:
Compare rates from multiple companies. Look at different rates and coverage types from at least three companies. Comparing rates helps ensure you get the best coverage for your needs.
Look for discounts through work or school. Check with your employer to see if it partners with specific companies for discounted policies. If you’re a student with good grades, you may also qualify for lower rates.
Improve your credit score. Insurance companies may use your credit history when determining your rates. You can improve your credit score by paying off debt, reducing your debt-to-income ratio, and paying your bills on time.
Find Cheap Car Insurance in Wilkes-Barre
Liability rates start at $51 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Wilkes-Barre: State Farm
Liability insurance is often the cheapest coverage option for drivers. If you have a loan on your vehicle or are leasing it, your lender or leasing company will require you to purchase full coverage. Liability insurance provides coverage for the other driver and their property if you cause injury or damage in an at-fault accident. It doesn’t cover you, your passengers, or your vehicle in an accident.[1] Liability-only policies typically work best for drivers with older, less-expensive, and paid-off vehicles.
In Wilkes-Barre, the average cost of liability-only insurance is $106 per month. The table below provides a list of insurance companies that offer the cheapest liability rates.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$51
Mile Auto
$55
Erie
$59
Auto-Owners
$64
Plymouth Rock
$64
National General
$69
Travelers
$77
GEICO
$79
Progressive
$80
Root
$87
Foremost
$88
Allstate
$89
The General
$94
Direct Auto
$97
Safeco
$99
Nationwide
$101
USAA
$104
Chubb
$120
Bristol West
$124
Dairyland
$124
CSAA
$132
State Auto
$140
Liberty Mutual
$176
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 Wilkes-Barre: Mile Auto
Full-coverage insurance provides the most coverage for your vehicle and passengers in an accident. This coverage includes collision insurance and covers both personal costs and costs to other parties. A full-coverage policy with comprehensive coverage also provides additional protections against damages from storms, debris, theft, or vandalism.
Monthly, Wilkes-Barre drivers pay an average of $162 for full-coverage policies.
If you lease or finance your car, your lender may require you to maintain a full-coverage policy until you pay off your vehicle. You also may want to consider a full-coverage policy to protect against costs associated with an accident if you don’t have the cash on hand to replace your vehicle. Find which insurance companies offer the cheapest rates for full coverage in the table below.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Mile Auto
$74
State Farm
$110
Erie
$127
Plymouth Rock
$132
Auto-Owners
$139
Root
$152
National General
$156
Safeco
$161
GEICO
$165
Travelers
$165
Progressive
$168
CSAA
$174
Allstate
$187
Direct Auto
$190
Nationwide
$213
USAA
$217
Liberty Mutual
$224
Bristol West
$230
Infinity
$238
The General
$240
Chubb
$253
Foremost
$267
Dairyland
$286
State Auto
$302
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 Wilkes Barre, Pennsylvania
Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $87/mo for full coverage in Wilkes Barre and other Pennsylvania cities.
*Quotes generated for Insurify users in and around Wilkes Barre, Pennsylvania within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 January 27, 2025. 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 January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Pennsylvania
Like most states, Pennsylvania requires drivers to maintain a minimum amount of liability coverage for their vehicle. If you’re pulled over without insurance, you’ll have to pay a fee of at least $300 and could face a license suspension. In addition to bodily damage and property damage liability, Pennsylvania drivers must pay for medical benefits coverage.
Medical benefits coverage pays for medical expenses for you and anyone else covered under your policy after an accident, regardless of fault.[2]
Pennsylvania is a choice no-fault state, which means drivers can decide whether they want to purchase tort coverage to help them get additional payouts from a driver responsible for an accident.
Coverage
▲▼
Minimum 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
Optional coverages typically available in Pennsylvania include:
Uninsured/underinsured motorist (UM/UIM) coverage
This provides coverage to you and your passengers if you face injury from an accident caused by an uninsured or underinsured driver. UM/UIM stacking allows you to purchase uninsured and underinsured motorist coverage for multiple vehicles on one policy.
Income loss
This pays a portion of lost wages due to injuries from an auto accident preventing you from working.
Collision coverage
This coverage pays for repairs to your vehicle following an auto accident or collision with another object.
Comprehensive coverage
This covers costs associated with non-collision incidents, including damage from fire, vandalism, natural disaster, and more.[3]
Extraordinary medical benefits
This offers coverage for medical and rehabilitation costs that exceed $100,000.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record could pay a higher rate than drivers with a clean record. Insurers view drivers with a history of claims and incidents — like at-fault accidents, speeding tickets, DUIs, and other moving violations — as higher risk. Other events, like accidents you didn’t cause or parking tickets, don’t have much of an effect.
The type of incident on your record can affect how much your rate increases.
Find Car Insurance in Wilkes-Barre
Monthly rates start at $60 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with speeding tickets: Mile Auto
Drivers with a speeding ticket may pay slightly higher rates than drivers with a clean record. A history of speeding tickets could indicate to insurance companies that you’re a higher risk to insure.
Wilkes-Barre drivers with a ticket pay a monthly average of $130 and $198 for liability and full-coverage car insurance. The liability rates below are slightly higher than what a driver with a clean record would pay for the same policy.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$51
$61
Erie
$59
$74
Auto-Owners
$64
$79
Plymouth Rock
$64
$80
National General
$69
$84
Travelers
$77
$94
GEICO
$79
$96
Progressive
$80
$96
Root
$87
$114
Foremost
$88
$115
Allstate
$89
$108
The General
$94
$117
Direct Auto
$97
$118
Safeco
$99
$122
Nationwide
$101
$124
USAA
$104
$126
Chubb
$120
$147
Bristol West
$124
$152
Dairyland
$124
$150
CSAA
$132
$163
State Auto
$140
$183
Liberty Mutual
$176
$230
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 car insurance for drivers with an at-fault accident: Mile Auto
Insurance companies view drivers with an accident on their record as a higher-risk driver more likely to file future claims. If you have an accident, you’ll likely receive points on your driving record and see increased rates compared to drivers with clean records.
Drivers in Wilkes-Barre with an accident on their record pay an average of $137 per month for liability-only car insurance and $210 per month for full coverage.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$51
$65
Erie
$59
$78
Auto-Owners
$64
$83
Plymouth Rock
$64
$88
National General
$69
$88
Travelers
$77
$100
GEICO
$79
$102
Progressive
$80
$104
Root
$87
$121
Foremost
$88
$121
Allstate
$89
$114
The General
$94
$124
Direct Auto
$97
$128
Safeco
$99
$128
Nationwide
$101
$131
USAA
$104
$134
Chubb
$120
$155
Bristol West
$124
$160
Dairyland
$124
$158
CSAA
$132
$176
State Auto
$140
$194
Liberty Mutual
$176
$241
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 car insurance for drivers with a DUI: State Farm
You’ll pay a significantly higher rate for insurance if you have a DUI In Pennsylvania, and you’ll also likely face license suspension or temporary revocation.
Though Pennsylvania doesn’t require SR-22 policies for drivers with a DUI conviction, the state does have strict laws that include fines, license suspension, probation, and mandatory alcohol treatment programs.[4] Drivers in Wilkes-Barre with a DUI pay a monthly average of $159 for liability policies and $243 for full coverage.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$51
$80
Erie
$59
$93
Auto-Owners
$64
$101
Plymouth Rock
$64
$101
National General
$69
$108
Travelers
$77
$121
GEICO
$79
$124
Progressive
$80
$126
Root
$87
$123
Foremost
$88
$138
Allstate
$89
$140
The General
$94
$148
Direct Auto
$97
$152
Safeco
$99
$145
Nationwide
$101
$159
USAA
$104
$163
Chubb
$120
$189
Bristol West
$124
$195
Dairyland
$124
$195
CSAA
$132
$186
State Auto
$140
$220
Liberty Mutual
$176
$276
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 car insurance for seniors: State Farm
Insurance companies consider your age when determining your auto premium. Costs generally decrease for drivers with age. In particular, you tend to benefit from low rates at age 35 and beyond until you reach 70. Senior drivers have higher crash death rates per mile driven, as well as potential physical barriers.[5]
Though senior drivers face slightly increased rates, you can still find affordable auto coverage. Senior drivers in Wilkes-Barre pay an overall average of $107 per month for car insurance.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Mile Auto
$55
$41
State Farm
$84
$39
Erie
$96
$45
Plymouth Rock
$104
$50
Auto-Owners
$108
$50
National General
$117
$52
Progressive
$119
$57
Root
$126
$72
Travelers
$126
$59
GEICO
$129
$62
CSAA
$130
$99
Safeco
$136
$84
Direct Auto
$145
$74
Allstate
$147
$70
Nationwide
$156
$74
USAA
$170
$82
Bristol West
$181
$98
Chubb
$181
$86
Liberty Mutual
$184
$144
The General
$189
$74
Foremost
$210
$69
State Auto
$223
$103
Dairyland
$224
$97
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 car insurance for teens: State Farm
Insurance rates for teen drivers are much higher than premiums for older drivers since younger drivers are less experienced and statistically more likely to get into accidents.
Average policies for teen drivers in Wilkes-Barre cost $219 per month. Teens may qualify for lower rates by staying on their parents’ insurance (including when they head off to college). Additionally, teens can save money by opting for a safer vehicle, completing approved driver education courses, and getting good grades in school.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$188
$87
Erie
$210
$98
Root
$222
$127
Auto-Owners
$229
$105
Plymouth Rock
$236
$115
GEICO
$262
$125
CSAA
$274
$208
Progressive
$289
$138
Travelers
$296
$138
Safeco
$301
$185
National General
$303
$134
Allstate
$332
$158
Direct Auto
$344
$175
USAA
$361
$173
Nationwide
$370
$176
The General
$375
$147
Liberty Mutual
$376
$295
Bristol West
$381
$206
Dairyland
$450
$195
Foremost
$469
$155
Chubb
$484
$229
State Auto
$530
$246
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.
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Wilkes-Barre car insurance quotes by credit tier
Pennsylvania allows insurance companies to use your credit history when initially determining your premium. Insurers can also use your credit history when you renew your policy, but only if doing so reduces your rates.[6]
Your credit score can affect your insurance rates because insurance companies may view your credit history as an indicator of your likelihood of filing claims. Drivers with excellent or good credit typically earn lower rates than people with poor credit.
The chart below shows the average rates drivers in Wilkes-Barre pay for full-coverage auto policies based on credit tier. The rates may vary depending on where you live and what insurance company you receive coverage from.
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.
Is car insurance more expensive in Wilkes-Barre?
On average, drivers in Wilkes-Barre pay $106 per month for liability insurance and $162 for full-coverage insurance. In comparison to the state average — with monthly average rates of $94 for liability only and $174 for full coverage — Wilkes-Barre drivers pay a similar amount.
Auto rates within Pennsylvania may also vary based on where you live. For example, drivers in Wilkes-Barre pay less than drivers in Philadelphia, Pittsburgh, Reading, and Allentown, on average. Wilkes-Barre may have lower auto rates than other areas of the state since the community has a population of just under 45,000.
More cities in Pennsylvania
Here’s how the average cost of car insurance in Wilkes-Barre compares to other Pennsylvania cities.
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.
Wilkes-Barre car insurance FAQs
Finding the right car insurance takes a little time. The following information should help you navigate the process of finding car insurance in Wilkes-Barre.
How much is car insurance in Wilkes-Barre?
Wilkes-Barre drivers pay an overall average of $134 per month for car insurance. Full coverage costs $162 per month, and liability coverage costs $106 per month. Your rates will depend on your driving history, age, insurer, coverage, and more.
Which company has the cheapest car insurance in Wilkes-Barre?
State Farm, Mile Auto, and Erie have the cheapest car insurance rates in Wilkes-Barre. Their monthly rates start at $51, $55, and $59.
What are the best car insurance companies in Wilkes-Barre?
With an IQ Score of 9.3 out of 5, the cheapest auto rates by coverage level, and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Wilkes-Barre.
Erie and Travelers also earned high IQ Scores — of 9.0 and 9.0, respectively — and provide quality auto coverage.
Does Pennsylvania ever require SR-22 insurance?
No. Pennsylvania never requires SR-22 insurance, but drivers with a DUI conviction face penalties, including fines, license suspension, probation, and mandatory alcohol-treatment programs. All drivers in the state must maintain the minimum liability insurance.
Do you need a car to get around Wilkes-Barre, Pennsylvania?
Yes. Most people need a car to comfortably get around Wilkes-Barre. The city has some public transportation run by the Luzerne County Transportation Authority, but the routes don’t provide complete access throughout the city.
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.
Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.
Angela has been a contributor at Insurify since October 2022.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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