The average monthly cost of full coverage car insurance in Allentown is $115. Rates can range from an affordable $105 to a steep $286, depending on factors like age and driving history. The table below shows average car insurance costs for different driver profiles in the area to help drivers understand potential expenses.
Allentown, PA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Allentown: Key Takeaways
In the city, Westfield, Auto-Owners Insurance Co and Travelers are recognized for offering the most affordable car insurance options. These companies have competitive rates across various driver profiles, ensuring budget-friendly choices for residents.
Westfield is the cheapest provider for minimum coverage at $25 per month, while Auto-Owners Insurance Co is the most affordable for full coverage at $59 per month. These rates make them top picks for cost-conscious drivers.
The monthly average car insurance costs in this city are $44 for minimum coverage and $115 for full coverage. However, these rates can vary depending on individual driver profiles, so it's essential to consider personal circumstances.
Car Insurance Quotes in Allentown, PA
| Young Drivers | $52 | $143 |
| Teens | No Data | $286 |
| Seniors | $41 | $105 |
| Drivers With a Speeding Ticket | $53 | $141 |
| Drivers With a DUI | $74 | $197 |
| Drivers With An Accident | $62 | $164 |
| Bad Credit | $75 | $197 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Allentown vs. State Average
Pennsylvania
State Average Full Coverage Rate
$1,461
Allentown, PA
City Average Full Coverage Rate
$1,385More:$76 saved
This is 5% less expensive.
What Is the Average Car Insurance Rate in Allentown?
In Allentown, full coverage car insurance costs an average of $1,385 per year, while state minimum coverage is about $522 annually. These rates are lower than Pennsylvania's averages, where full coverage costs $1,461 and minimum coverage is $525 yearly.
| State Average | $525 | $1,461 |
| Allentown Average | $522 | $1,385 |
Cheapest Car Insurance Companies in Allentown
Even though premiums are rising in the Keystone State, you can still find affordable car insurance in Allentown. Westfield offers the cheapest minimum coverage at $25 per month. Auto-Owners Insurance Co provides the best rate at $59 per month for full coverage.
WHY CAR INSURANCE IN ALLENTOWN IS CHEAP
Car insurance in Allentown is more affordable than the state average. Other cities in Pennsylvania may have higher rates than Allentown due to traffic volume, accident rates and other factors. Pennsylvania also has several uninsured drivers, many personal injury lawsuits and insurance fraud, all of which increase the price for everyone.
Cheap Car Insurance in Allentown
Westfield is often the cheapest for minimum coverage, but car insurance costs vary for each driver. To find the most affordable option, get quotes from multiple providers. Below is a table with the cheapest car insurance rates for various driver profiles.
| Westfield | Minimum Coverage | $25 |
| Auto-Owners Insurance Co | Full Coverage | $59 |
| Travelers | Teens | $177 |
| Auto-Owners Insurance Co | Young Adults | $49 |
| Auto-Owners Insurance Co | Seniors | $41 |
| Auto-Owners Insurance Co | Bad Credit | $66 |
| Travelers | Drivers With a DUI | $64 |
| Travelers | Drivers With An Accident | $60 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $44 |
Car Insurance Rates in Allentown by Company
Comparing rates from different companies is key to finding the cheapest car insurance in Allentown. Below, we detail the most affordable options for state minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Allentown
Westfield offers the cheapest minimum coverage auto insurance at $25 per month. Auto-Owners Insurance Co follows closely, also at $25. The table below breaks down the most affordable options.
| Westfield | $25 | $19 |
| Auto-Owners Insurance Co | $25 | $19 |
| Travelers | $29 | $14 |
| Chubb | $32 | $12 |
| Erie | $35 | $9 |
| American National P&C | $37 | $7 |
| GEICO | $43 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Allentown
Auto-Owners Insurance Co offers the cheapest full coverage car insurance in Allentown at $59 monthly. Below is the complete list of providers and their rates.
| Allstate | $102 | $13 |
| American National P&C | $85 | $30 |
| Auto-Owners Insurance Co | $59 | $56 |
| Chubb | $109 | $6 |
| Erie | $81 | $35 |
| Nationwide | $78 | $37 |
| State Farm | $114 | $1 |
| Travelers | $62 | $53 |
| Westfield | $106 | $9 |
Car Insurance Companies in Allentown
We suggest getting quotes from multiple providers to find the cheapest car insurance in Allentown. Auto-Owners Insurance Co offers the lowest rate at $503 per year, while Chubb is the best cheap provider with a MoneyGeek score of 90. Check the table below for more options to consider in your search.
| Chubb | 90 | $844 |
| Westfield | 85 | $786 |
| Auto-Owners Insurance Co | 82 | $503 |
| Erie | 81 | $692 |
| American National P&C | 77 | $731 |
| Travelers | 67 | $550 |
| Nationwide | 66 | $733 |
| State Farm | 66 | $957 |
| Allstate | 57 | $960 |
| GEICO | 57 | $1,012 |
| Progressive | 55 | $1,415 |
| Dairyland | No Data | $2,261 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Allentown by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates at $1,385 for 40-year-olds and $1,263 for 65-year-olds annually. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,408 | $-471 |
| 17 | $2,366 | $-429 |
| 18 | $2,003 | $-66 |
| 19 | $1,795 | $142 |
| 20 | $1,830 | $107 |
| 21 | $1,517 | $420 |
| 22 | $1,557 | $379 |
| 23 | $1,620 | $317 |
| 24 | $1,505 | $432 |
| 25 | $1,715 | $-181 |
| 40 | $1,385 | $149 |
| 65 | $1,263 | $271 |
Cheapest Car Insurance for Teens in Allentown
Nationwide offers the cheapest overall car insurance for teens in Allentown, with full coverage at $91 per month. This results in a monthly savings of $88 compared to the average cost in the Keystone State. The table below breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $91 | $88 | $226 |
| Travelers | $116 | $63 | $177 |
| Auto-Owners Insurance Co | $119 | $60 | $234 |
| Allstate | $137 | $41 | $304 |
| State Farm | $188 | $-9 | $236 |
| GEICO | $279 | $-101 | $296 |
| Progressive | $320 | $-142 | $528 |
Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Allentown
Auto-Owners Insurance Co offers the best minimum coverage for young drivers at $28 per month, while Travelers has the most affordable full coverage at $67. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Auto-Owners Insurance Co | Minimum Coverage | $28 |
| Travelers | Full Coverage | $67 |
| Auto-Owners Insurance Co | Bad Credit | $76 |
| Travelers | Drivers With a DUI | $70 |
| Travelers | Drivers With An Accident | $66 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $51 |
Cheapest Car Insurance Companies for Young Drivers in Allentown
Auto-Owners Insurance Co offers the most affordable auto insurance for young drivers at just $49 a month. The table below shows other companies with affordable auto insurance rates.
| Auto-Owners Insurance Co | $49 | $49 |
| Travelers | $49 | $49 |
| American National P&C | $72 | $26 |
| Erie | $72 | $25 |
| Nationwide | $76 | $22 |
| Westfield | $88 | $9 |
| State Farm | $94 | $4 |
| Chubb | $96 | $2 |
| Allstate | $96 | $1 |
Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Allentown
Westfield and Auto-Owners Insurance Co are the cheapest car insurance providers, but rates vary due to factors like driving history and coverage needs. The table below shows affordable providers for different driver and coverage profiles that may better fit you.
| Westfield | Minimum Coverage | $25 |
| Auto-Owners Insurance Co | Full Coverage | $56 |
| Auto-Owners Insurance Co | Bad Credit | $64 |
| Travelers | Drivers With a DUI | $62 |
| Travelers | Drivers With An Accident | $59 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $43 |
Cheapest Car Insurance Companies for Seniors in Allentown
Auto-Owners Insurance Co offers the cheapest monthly premium for seniors in Allentown for both minimum and full coverage. Travelers follows with a rate of $44 per month. The table below shows other options of top car insurance providers for seniors.
| Auto-Owners Insurance Co | $41 | $33 |
| Travelers | $44 | $29 |
| Nationwide | $55 | $19 |
| Chubb | $57 | $17 |
| Erie | $59 | $14 |
| American National P&C | $61 | $12 |
| Westfield | $62 | $12 |
| Allstate | $70 | $4 |
Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Allentown
In Allentown, high-risk drivers often pay less for car insurance than the state average. Minimum coverage costs about $760 annually, while full coverage is around $2,009. The state averages are $765 and $2,112, respectively. Drivers with bad credit and DUIs face the highest premiums, whereas accidents and speeding tickets have a smaller impact on costs.
| State Average | $765 | $2,112 |
| Allentown Average | $760 | $2,009 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a speeding ticket in Allentown, may affect your insurance for about three to five years. Insurers can take note of more serious offenses, such as a DUI, for up to 10 years. These offenses often mean you'll need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Allentown
Travelers offers the cheapest minimum coverage for drivers with a DUI at $481 per year. It is also the cheapest for full coverage, at about $1,044 annually. Check out the table below for more low-cost coverage options.
| Travelers | $40 | $87 |
| Allstate | $56 | $99 |
| State Farm | $52 | $130 |
| American National P&C | $60 | $135 |
| Progressive | $61 | $219 |
Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Allentown
Westfield, Travelers and Auto-Owners Insurance Co offer affordable car insurance for those with an at-fault accident on record in Allentown. Below is a table showing different providers offering the cheapest auto insurance after an at-fault accident.
| Travelers | $38 | $81 |
| Auto-Owners Insurance Co | $39 | $86 |
| Westfield | $25 | $106 |
| Erie | $52 | $117 |
| Chubb | $50 | $173 |
Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Allentown
Auto-Owners Insurance Co is the cheapest car insurance provider for drivers with speeding tickets in Allentown, offering a monthly rate of $26 for minimum coverage and $62 for full coverage. Check the table below to see how other providers charge drivers with speeding tickets on their records.
| Auto-Owners Insurance Co | $26 | $62 |
| Travelers | $35 | $75 |
| Erie | $40 | $93 |
| Westfield | $27 | $116 |
| Chubb | $50 | $173 |
Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Allentown
Auto-Owners Insurance Co offers the most affordable rates for drivers with bad credit in Allentown, with minimum coverage at $39 per month and full coverage at $92 per month. See the table below for other affordable options.
| Auto-Owners Insurance Co | $39 | $92 |
| Nationwide | $59 | $106 |
| American National P&C | $59 | $136 |
| Chubb | $50 | $173 |
| Westfield | $50 | $192 |
Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Allentown, PA
In Pennsylvania, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
- $5,000 medical payments coverage
For example, if you're in an accident with two people injured, your policy covers up to $30,000 for injuries and $5,000 for property damage, ensuring compliance with state requirements.
Cheap Car Insurance in Allentown: Bottom Line
Auto-Owners Insurance Co leads with the cheapest car insurance in Allentown, offering both minimum and full coverage at just $25 and $59 a month. You'll find competitive rates to match your budget, no matter your age or credit. Make sure your policy includes Pennsylvania's required coverage: bodily injury and property damage liability, plus medical benefits. Compare insurers to secure affordable protection that meets state law.
Allentown Auto Insurance: FAQ
This section answers common questions about finding the most affordable and best car insurance options in Allentown. Learn about minimum coverage and other important factors when choosing your policy.
What is the cheapest car insurance company in Allentown, PA?
Auto-Owners Insurance Co offers affordable state minimum car insurance in Allentown, PA, with rates as low as $25 per month, saving customers $19 on average.
What is the best car insurance company in Allentown, PA?
Chubb ranks as the top car insurance provider in Allentown, PA, with a MoneyGeek score of 90 out of 100. Their annual premium for state minimum coverage is $844.
How much does car insurance cost on average in Allentown, PA?
The average monthly cost for minimum coverage car insurance in Allentown ranges from $41 to $75.
Best Cheap Car Insurance in Allentown: Our Methodology
MoneyGeek analyzed Allentown auto insurance prices using data from the Pennsylvania Department of Insurance and Financial Services and Quadrant Information Services.
Allentown Driver Profile
To assess the best and most affordable auto insurance options for Allentown residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Allentown
In assessing the car insurance quotes for Allentown, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Pennsylvania's mandated liability insurance parameters:
The minimum coverage requirements in Pennsylvania are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
- $5,000 medical payments coverage
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Pennsylvania providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Allentown
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Allentown. For more on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.