Best Cheap Auto Insurance in Wilkes-Barre, Pennsylvania (2023)

You can save money on car insurance in Wilkes-Barre by comparing rates from multiple insurers.

Angela Brown
Written byAngela Brown
Angela Brown
Angela Brown
  • 17+ years in insurance and personal finance writing

  • In-depth knowledge of home and real estate topics

Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.

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Katie PowersAuto and Life Insurance Editor
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  • 3+ years experience in insurance and personal finance editing

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Updated November 17, 2023 at 6:30 AM PST

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When shopping for cheap car insurance in Wilkes-Barre, you’ll likely find the lowest prices with State Farm, Mile Auto, and Erie — all of which have an average cost of less than $90 per month. The average driver in Wilkes-Barre pays $196 per month for car insurance. Full-coverage insurance costs $260 per month, on average, while liability coverage is $129 per month.

Your rates will vary based on numerous factors. Here’s what you need to know to save money on your auto policy in Wilkes-Barre, Pennsylvania.

Quick Facts
  • Pennsylvania is a “choice” no-fault state that allows drivers to use a tort system for additional insurance payouts in some cases.

  • Drivers in Pennsylvania must purchase medical payments coverage in addition to property damage and bodily damage coverage.

  • Teenagers and drivers with a DUI on record tend to pay the highest insurance rates.

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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.

Cheapest insurer in Wilkes-Barre: 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.
4.4
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.
$54/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.
$98/mo

A well-established company in the insurance industry, State Farm provides the cheapest auto coverage in Wilkes-Barre. Drivers pay just $72 per month for liability-only coverage and $87 for full-coverage insurance, on average.

The company offers the standard auto coverage options as well as some additional insurance products. State Farm advertises 10 available discounts for customers to save with, too.

Pros
  • A.M. Best financial strength rating of A++ (Superior)

  • IQ Score of 4.4 out of 5

Cons
  • Gap insurance not available

  • Low customer satisfaction ratings

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Best for drivers with an accident: Foremost

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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.
3.3
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
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.
$45/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.
$137/mo

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.

On average, Wilkes-Barre drivers with an accident pay $91 per month for liability coverage.

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

Best for teen drivers: Travelers

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.
829
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.
$82/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.
$116/mo

Travelers offer policies for home, auto, renters, and recreation vehicles. The company offers competitive rates, even for drivers with spotty records.

On average, teen drivers in Wilkes-Barre pay $63 per month for liability and $92 for full-coverage auto insurance from Travelers. 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

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

Cheapest liability-only car insurance in Wilkes-Barre

Liability insurance is often the cheapest coverage option for drivers. If you have a loan on your vehicle, your lender may 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]

Insurance CompanyAverage Monthly Quote
Travelers$63
Foremost$64
State Auto$64
Mile Auto$70
State Farm$72
Erie$83
Auto-Owners$89
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

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.

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.

Insurance CompanyAverage Monthly Quote
State Farm$87
Mile Auto$92
Erie$100
Auto Owners$108
Travelers$113
Nationwide$122
GEICO$135
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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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.

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

Optional coverages typically available in Pennsylvania include:

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

    Uninsured/underinsured motorist (UM/UIM)

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Income loss

    This pays a portion of lost wages due to injuries from an auto accident preventing you from working.

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

    Collision

    This coverage pays for repairs to your vehicle following an auto accident or collision with another object.

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

    Comprehensive

    This covers costs associated with non-collision incidents, including damage from fire, vandalism, natural disaster, and more.[3]

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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. For example, a driver with a clean record will pay $63 per month, on average, for liability-only auto insurance from Travelers. A driver with a speeding ticket will pay $84 per month for the same coverage, and someone with a DUI pays an average of $125 per month.

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Cheapest car insurance for drivers with speeding tickets

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.

The liability rates below are slightly higher than what a driver with a clean record would pay for the same policy. Wilkes-Barre drivers with a ticket pay between $84 and $119 per month for auto coverage.

Insurance CompanyAverage Monthly Quote
Travelers$84
Foremost$85
State Auto$86
Mile Auto$93
State Farm$96
Erie$111
SafeAuto$119
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

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. Travelers has the cheapest auto coverage for drivers in Wilkes-Barre with an accident, at $90 per month.

Insurance CompanyAverage Monthly Quote
Travelers$90
Foremost$91
State Auto$92
Mile Auto$100
State Farm$102
Erie$119
SafeAuto$127
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

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] Average auto quotes for drivers in Wilkes-Barre with a DUI range from $125 to $177 per month.

Insurance CompanyAverage Monthly Quote
Travelers$125
Foremost$127
State Auto$128
Mile Auto$139
State Farm$142
Erie$165
SafeAuto$177
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

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 75. 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. Quotes for seniors in Wilkes-Barre start at just $39 per month.

Insurance CompanyAverage Monthly Quote
Travelers$39
Foremost$40
State Auto$40
Mile Auto$44
State Farm$45
Erie$52
SafeAuto$56
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

Insurance rates for teen drivers are much higher than premiums for older drivers, since younger drivers are statistically more likely to have a serious car accident.

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 and getting good grades in school. Average auto quotes for teens in Wilkes-Barre range between $92 and $131 per month.

Insurance CompanyAverage Monthly Quote
Travelers$92
Foremost$94
State Auto$94
Mile Auto$102
State Farm$105
Erie$122
SafeAuto$131
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.

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.

  • Bundle your home and auto policies. You can often combine your homeowners or renters insurance with your auto policy for a discount.

  • 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 Car Insurance in Wilkes-Barre

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Wilkes-Barre car insurance quotes by credit tier

Pennsylvania allows insurance companies to use your insurance and credit score when initially determining your premium. Insurers can also use your credit score 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 score. 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?

The average driver in Wilkes-Barre spends $196 per month, or $2,352 per year, on auto insurance. On average, drivers in Wilkes-Barre pay $129 per month for liability insurance and $260 for full-coverage insurance. The national average rate for auto coverage, for comparison, is $212 per month ($253 for full coverage and $170 for liability).

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

CityAverage Monthly QuoteCompared to Wilkes-Barre
Allentown$2704%
Bethlehem$203-22%
Erie$230-11%
Harrisburg$234-10%
Lancaster$217-17%
Philadelphia$38347%
Pittsburgh$252-3%
Reading$2808%
York$215-17%

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 $196 per month for car insurance. Full coverage costs $260 per month, and liability coverage costs $129 per month on average.

    Statewide, drivers pay $211 per month for car insurance. Your rates depend on your driving history, age, insurer, coverage, and more.

  • Who has the cheapest car insurance in Wilkes-Barre?

    State Farm, Mile Auto, and Erie have the cheapest liability and full-coverage car insurance rates in Wilkes-Barre. On average, State Farm drivers in the city pay $72 per month for liability and $87 per month for full coverage. Travelers offers the cheapest coverage for teenagers, seniors, and drivers with a speeding ticket, at-fault accident, or DUI.

  • What are the best car insurance companies in Wilkes-Barre?

    With an IQ Score of 4.4, the cheapest auto rates by coverage level, and an A.M. Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Wilkes-Barre. Drivers with the company pay $72 per month for liability and $87 per month for full coverage.

    Erie and Travelers also earned high IQ Scores — of 4.4 and 4.2, 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.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed June 15, 2023
  2. Pennsylvania Insurance Department. "Automobile Insurance Guide." Accessed June 15, 2023
  3. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?." Accessed June 15, 2023
  4. Pennsylvania Department of Transportation. ".08 DUI Legislation." Accessed June 15, 2023
  5. Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed June 15, 2023
  6. Pennsylvania Insurance Department. "How Credit Relates to Insurance: A Fact Sheet for Pennsylvania Consumers." Accessed June 15, 2023
Angela Brown
Angela Brown

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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 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.

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