Cheapest and Best Car Insurance in Allentown, PA (2024)

Finding the right car insurance in Allentown, Pennsylvania, hinges on coverage and individual drivers. For full coverage, Nationwide is the most affordable, while State Farm offers the best rates for families with teen drivers. Auto-Owners offers the cheapest minimum coverage.

For top-notch customer service, Chubb stands out. It also clinched the title of best overall for its blend of price and service excellence. Your ideal choice depends on your coverage necessities and preferences.

Auto-Owners is the cheapest option for drivers in Allentown looking for the cheapest car insurance:

• Auto-Owners: $299 per year
• Travelers: $322 per year

Dairyland presents offers the most expensive minimum coverage policy in Allentown, with an annual premium of $1,074, a $775 difference in annual rates compared with Auto-Owners. This comparison illustrates the value of shopping around for your car insurance policy.

Across all Pennsylvania cities, including Allentown, state law dictates the minimum required car insurance coverage:

• $15,000 bodily injury per person
  
• $30,000 bodily injury per accident
  
• $5,000 property damage liability per accident
  
• $5,000 medical payments coverage
  

For example, if you're at fault in an accident, your minimum coverage policy will cover up to $15,000 for bodily injury per person and a total of $30,000 per accident. If the injured person's expenses exceed $15,000, or if all injured parties' expenses exceed $30,000 collectively, you would be responsible for paying the difference out of pocket.

Nationwide is the cheapest option in Allentown, offering the cheapest full coverage car insurance.

• Nationwide: $703 per year
• Auto-Owners: $708 per year

Dairyland offers most expensive full coverage policy in Allentown, with an annual premium of $2,783 —a $2,080 difference between it and Nationwide. Full coverage policies are pricier than minimum coverage due to the comprehensive protection they provide, including coverage for your own vehicle.

The full coverage insurance option offered in Allentown augments the limits of your liability to $100,000 for bodily injury per individual, $300,000 for bodily injury per incident and $100,000 for property damage per incident. This level of coverage is commonly referred to as a 100/300/100 plan.

Full coverage policies also include:

• Collision Insurance: This provides coverage for any damage to your vehicle that results from an impact with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This compensates for damage to your vehicle from non-collision events, such as theft or natural disasters. It also covers being struck by an animal like a deer.

Opting for full coverage insurance is a prudent decision for owners of new vehicles, protecting the sizable financial commitment you've made. But this is required if you're leasing or have a car loan. Conversely, for older vehicles, the incremental benefits may not justify the extra expense, often amounting to hundreds of dollars.

To make an informed decision about how much car insurance you need, consider the tradeoff between the cost of increased coverage with higher premiums and the risk of inadequate coverage with lower premiums.

Auto-Owners is the cheapest company for drivers with a poor driving record in Allentown. The cheapest providers across offenses are:

• Speeding ticket: Auto-Owners ($744 per year)
• At-fault accident: Travelers ($933 per year)
• DUI: Travelers ($1,001 per year)

Dairyland has the most expensive rates for these offenses, with annual premiums far surpassing the cheaper options. The severity of an offense can significantly influence car insurance rates: the difference between the cheapest companies after a speeding ticket and after a DUI is $257. Drivers should consider their driving history when shopping for auto insurance.

In Allentown, as in other cities, insurance premiums increase with the severity of your driving infraction due to heightened risk assessments by insurers. For example, drivers with a DUI pay an average annual rate of $3,073, significantly higher than those with a speeding ticket, who face an average rate of $2,117. Individuals with traffic violations should therefore compare insurance quotes diligently to find the most affordable rates and potentially save hundreds of dollars.

MoneyGeek found that Nationwide offers the cheapest car insurance for teens in Allentown, with competitive rates for families with male and female teenage drivers.

• Nationwide: $1,161 per year for female teens and $1,161 per year for male teens
• Auto-Owners Insurance Co: $1,609 per year for female teens and $1,609 per year for male teens

These rates indicate costs for policies that cover a combination of two parents and a teenage driver. Progressive offers the most expensive teen family policy at $4,230 per year for female teens — $3,069 more than Nationwide's offer. Compare your options, especially when insuring high-risk drivers like teenagers, to secure both comprehensive coverage and financial savings.

In Allentown, as in many cities, young drivers face steep costs for car insurance, with the average individual annual premium for teens at $4,469. Conversely, joining a family plan can significantly curb this expense, lowering the average to $2,408. This almost halved rate is due to the risk pooling insurers apply to family plans, mitigating the high risk associated with insuring just one young driver.

Teens also often face difficulties securing individual policies because their limited driving experience and higher accident propensity make them risky clients for insurance companies. It is therefore both economically beneficial and easier for teens to be insured through a family plan.

In Allentown, Nationwide offers is the cheapest car insurance for military backgrounds:

• Nationwide: $703 per year
• Auto-Owners: $708 per year

Although USAA, at $1,013 annually, does not top the list, it is still a competitive option ranking at the fifth position. USAA offers services specifically tailored to meet the needs of active-duty military members.

In Allentown, finding cost-effective car insurance is paramount, yet manually comparing rates can take over 15 minutes per company. MoneyGeek's car insurance calculator streamlines this process. By inputting personal factors such as age, driving history, credit score and desired coverage level, individuals receive accurate rate estimates in moments, significantly trimming down the time investment.

Choosing the best auto insurance in Allentown hinges on your personal weighting of service, cost, coverage and additional factors. MoneyGeek has adopted distinct scoring metrics to assess these elements, resulting in:

• Best overall: Chubb (86 out of 100)
• Best for service: Chubb (87 out of 100)
• Best cheap: Chubb (88 out of 100)

Chubb is the top contender across all three categories, making it the choice for overall value, exemplary service and affordability. For those prioritizing service, Chubb's leading service rating underscores its commitment to customer experience. Simultaneously, its affordability score makes it an attractive option for budget-conscious drivers, confirming that high-quality insurance does not have to come at a premium cost.

Chubb offers the best car insurance in Allentown for those seeking a full coverage policy.

• Chubb: MoneyGeek score of 86 out of 100 ($1,426 per year)
• Auto-Owners: MoneyGeek score of 82 out of 100 ($708 per year)

Chubb stands out due to its superior customer satisfaction and excellent claims handling process, affirming its top position for motorists in Allentown seeking quality car insurance.

Chubb offers the best car insurance for customer service in Allentown. This ranking is based on excellent performance in overall customer satisfaction, claims handling and coverage options, not taking into account the premium rates.

• Chubb: MoneyGeek score of 87 out of 100 ($1,426 per year)
• Westfield: MoneyGeek score of 83 out of 100 ($1,291 per year)

Chubb stands out primarily due to its high satisfaction and claims scores, indicating that customers are content with its service and claims processes.

Chubb is the best option in Allentown for drivers seeking minimum reliable car insurance. Their balanced approach prioritizes not only cost-efficiency but also claims handling and customer satisfaction.

• Chubb: MoneyGeek score of 88 out of 100 ($461 per year)
• Auto-Owners: MoneyGeek score of 86 out of 100 ($299 per year)

Chubb offers an excellent balance between affordability and quality service. They earned a perfect customer satisfaction and the highest claims score, ensuring policyholders receive value well beyond the cost of their premiums.

Drivers in Allentown, Pennsylvania, can expect to pay an average car insurance premium of $1,271. This figure is less than the average car insurance cost in Pennsylvania at $1,647. When comparing this to the national average of $1,720, Pennsylvania's state average costs are lower by $72.

Car insurance premiums are influenced geographic considerations. The area where a vehicle is insured drives cost variations due to differing risk exposures such as accident rates, theft incidents and urban versus rural traffic conditions. Philadelphia has the most expensive insurance premium at $2,140, while Allentown offers the state's cheapest at $1,271. This contrast of $869 underscores the impact of location on insurance rates. In less densely populated areas, where traffic densities are reduced, insurance rates may be even more favorable.