Cheapest Auto Insurance in Allentown, Pennsylvania (2024)

Residents of Allentown pay average car insurance rates of $87 per month for minimum coverage and $231 per month for full coverage. Liability coverage in Allentown is cheaper than the national average of $104 per month, but its full-coverage car insurance is on par with the rest of the country, at $214 per month.

Drivers in Pennsylvania often receive better rates on liability car insurance because people generally file fewer claims after an accident, and when they do, medical expenses tend to be less.^[1]

But many other factors come into play when determining the best car insurance companies for your individual situation. Here’s how to keep your costs low in Allentown.

3 of the cheapest car insurance companies in Allentown

The most affordable car insurance for you may be offered by a different car insurance company than for your neighbor. The quotes you receive are determined by a number of factors, and each insurer calculates these factors a little differently. That’s why it’s important to compare rates from several insurers to ensure you’re getting the best policy possible.

As you begin your search, keep these insurers in mind.

Best insurer for low-mileage drivers: Mile Auto

Best insurer for one-stop insurance shopping: State Farm

Best insurer for fast claims processing: Clearcover

How to get the cheapest car insurance in Allentown

Car insurance companies charge different rates based on factors such as your marital status, gender, driving history, and age. Some of these factors are outside of your control.

But you can lower your car insurance rates by following these tips:

• Get multiple quotes when renewing your current policy or shopping for a new one.

• Drive safely by avoiding accidents and staying under the speed limit.

• Choose the highest deductible you can pay out of pocket, since insurers charge lower premiums if you select a higher deductible.

• See if your employer or any organizations you belong to offer insurance discounts, such as Lehigh Valley Health Network’s insurance discount program.

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Liability rates start at $59 per month

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Cheapest liability-only car insurance in Allentown: Mile Auto

The state of Pennsylvania requires all drivers to purchase at least $15,000 in bodily injury liability coverage (up to $30,000 per accident) and $5,000 in property damage liability coverage.^[5]

Liability coverage protects other drivers by ensuring you’re able to pay if you injure someone else or cause property damage, up to the limits of your policy.

Liability coverage doesn’t pay for damage above the predetermined limits, however. It also doesn’t do anything to protect you, your passengers, or your own car against injuries or damages to personal items.

The average rate for liability car insurance in Allentown is $87, and you can see a collection of rates available from top companies below.

Cheapest full-coverage car insurance in Allentown: Mile Auto

Full-coverage car insurance adds onto a minimum-coverage policy by adding protection for your own car. Collision coverage repairs or replaces your vehicle if it’s involved in a car accident, regardless of who was at fault, while comprehensive coverage offers the same benefits if your car is damaged in other ways, such as from weather events or a collision with wildlife.

The average rate for full-coverage car insurance in Allentown is $231, and you can see a collection of rates available from top insurers below.

Car insurance requirements in Pennsylvania

Pennsylvania is one of a few states where drivers generally have the right to sue someone else in court for any and all eligible damages. It’s a system known as “full tort,” but you can also choose to purchase a “limited-tort” policy that doesn’t allow you to receive compensation for any pain and suffering stemming from an accident.^[6]

The average cost is a bit lower on limited-tort policies since your insurer may not have to pay as much. This makes such policies attractive options for people seeking cheap car insurance rates.

After deciding on whether a full-tort or limited-tort policy is best for your specific needs, you’ll need to decide on what types of add-ons and additional coverage options you want. At a minimum, Pennsylvania state law requires your coverage to meet these thresholds:

While the figures above comprise the minimum state requirements, you may also want to consider any of the following optional coverages:

• 

  Gap coverage

  Gap insurance pays the remainder of your vehicle loan if your car is totaled and you still have an outstanding balance on your debt.

• 

  Roadside assistance coverage

  Roadside assistance coverage provides help when you need it on the go, including fixing a flat tire or getting a tow to the repair shop.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage steps in to fill any liability coverage if you’re hit by someone without insurance or enough insurance to pay for the damage.

• 

  Personal injury protection (PIP) coverage

  PIP insurance covers any medical expenses, funeral costs, and lost wages for you and your passengers if you’re involved in a car crash.

Cheapest car insurance for drivers with an incident

People with negative marks on their driving record generally pay the highest rates on their auto insurance policies. As the seriousness of the infraction increases, so do your average annual rates. At-fault accidents are more serious than speeding tickets, and being convicted of driving under the influence (DUI) usually results in the biggest price increase of all. In some cases, your insurer may drop you altogether.

An insurance agency will typically charge more for coverage (if it even offers you a policy at all) in case you repeat the same mistake again, potentially costing it more money in payouts. The company passes that cost onto you in the form of higher rates.

The table below shows how different incident types affect the rates you’ll pay for insurance in Allentown.

Average cost of car insurance by age

Age is another key factor that affects your car insurance rates, and insurance companies typically charge higher rates for the youngest and oldest motorists. That’s because your likelihood of getting into a car accident is typically at its lowest between ages 35 and 70, when you’re mature enough to make good decisions and physically and mentally sound enough to act on them.

Here, you can see how age affects your rates in Allentown.

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Allentown car insurance quotes by credit tier

Insurance agents will also review your credit history when you apply for car insurance, because statistically speaking, people with good credit tend to drive better compared to people with poor credit.

The following table shows the average rates for Allentown drivers based on their credit profiles. Drivers with excellent credit pay about half as much as drivers with poor credit.

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