Cheapest Car Insurance In Allentown, PA
After some thorough digging, it’s clear that Travelers takes the crown for the cheapest car insurance in Allentown.
Living in Allentown means keeping a sharp eye out for good deals, and that includes snagging cheap car insurance. My thorough investigation points to Travelers as the go-to provider for affordable car insurance in Allentown.
Securing the right car insurance without draining your wallet isn’t just about shelling out cash every month. It’s also about making sure you’re shielded from financial turmoil in case of an accident where injuries or worse occur.
With 15 years as a licensed insurance expert and more than 35 years navigating the car insurance scene, I’ve worked with all the reviewed companies and have been a client of many. Each one boasts quality service, but they shine in different corners of the market.
Cheapest And Best Car Insurance Companies In Allentown, PA 2024
Compare The Cheapest Car Insurance Companies In Allentown
| Overall Rating | Cheapest For | A.M. Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| Travelers |
|
Cheapest Overall |
A+ |
822 |
9.5 |
Instant Quote |
| State Farm |
|
Driving Violations |
A++ |
834 |
9.7 |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
822 |
9.5 |
Instant Quote |
| Travelers |
|
Minimum Coverage |
A+ |
822 |
9.5 |
Instant Quote |
| Nationwide |
|
Teens |
A+ |
820 |
9.6 |
Instant Quote |
| Travelers |
|
Seniors |
A+ |
822 |
|
Instant Quote |
Our Methodology
I dove in deep, covering all bases: customer service scores, what they offer, how much it costs, and how smooth their website is to use. I also factored in my 15 years of experienced as a licensed agent and countless more years shopping for insurance and chatting with agents.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best Cheap Car Insurance Companies In Allentown
Cheapest Overall
Key Statistics
Why We Like Them
⇅Not only does Travelers have the best deal on car insurance rates in Allentown, but it’s also the best company for customer services. It scores averagely on overall satisfaction, but where it really shines is in handling complaints.
Insurance companies tend to keep their premium calculations under wraps, leaving people confused over why their rate is higher than someone else’s. Factors such as driving history, credit score, and age can affect your rates. But Travelers uses fair figures in order to calculate an accurate rate.
Benefits & Drawbacks
⇅- Affordable rates for most drivers in Allentown.
- Exclusive discounts for new vehicle, loyalty, homeowners, and hybrid vehicle.
- Additional coverages available, including roadside assistance, accident forgiveness, new car replacement, and gap insurance. ✓
- No option for deductible modification or better car replacement.
- Rideshare insurance not offered in Pennsylvania. ✘
Drivers in Allentown pay over double the state average for their car insurance, and overall pay more than any other city in Pennsylvania.
Rates For The Cheapest Car Insurance In Allentown
| Insurance company | Monthly rate for full coverage |
| Travelers | $155 |
| Progressive | $98 |
| GEICO | $160 |
| State Farm | $96 |
| American Family | $178 |
Best For Full Coverage
Key Statistics
Why We Like Them
⇅While it might feel smart to opt for the minimum required level of car insurance in Allentown, if your car is a new model and worth more than your yearly premium, going all-in with full coverage is the savvy move. If you’re going for full coverage car insurance, then Travelers serves up the best deal for full coverage in the city.
Now, to keep that full coverage from breaking the bank, Travelers dish out plenty of discount options. These discounts include; policy bundling, multi-car, safe riving and you can even go paperless for extra savings. They even have a savings options for hybrid drivers.
Benefits & Drawbacks
⇅- Unbeatable rates for comprehensive coverage in Allentown.
- Demonstrates a commendably lower complaint rate than the national average, as reported by the NAIC. ✓
- Regrettably lacks a mobile app for added convenience.
- Unfortunately, it does not offer the option to purchase coverage online. ✘
Rates For The Cheapest Monthly Full Coverage Car Insurance In Allentown
| Insurance company | Monthly rate for full coverage |
| Travelers | $50 |
| Nationwide | $55 |
| Auto-Owners | $59 |
| State Farm | $70 |
| Erie | $60 |
Cheapest Minimum Coverage
Key Statistics
Why We Like Them
⇅Travelers doesn’t just take first prize for providing the cheapest full coverage car insurance in Allentown. They also take the crown for having the cheapest minimum coverage.
Sometimes it makes sense to buy the bare minimum coverage required by Pennsylvania law. If you own an older car model outright, without any loan strings attached, and the vehicle’s price tag falls below what you’d end up paying for your full coverage premiums, then sticking with minimum coverage may be sufficient.
Benefits & Drawbacks
⇅- Boasts the most affordable rates for full coverage in Allentown.
- Proudly exhibits a lower number of complaints compared to the national average, according to the NAIC. ✓
- Unfortunately, there is no mobile app available for added accessibility.
- Regrettably, it lacks the option to purchase coverage online, which may be a drawback for some customers. ✘
Rates For The Cheapest Minimum Car Insurance In Allentown
| Insurance company | Monthly rate for minimum coverage |
| Travelers | $25 |
| Erie | $22 |
| Westfield | $35 |
| State Farm | $30 |
| American National P&C | $29 |
Cheapest For Driving Violations
Key Statistics
Why We Like Them
⇅In Allentown, accidents and driving violations are all too common. Unfortunately, Insurers tend to increase your rates when you’ve got a ticket, a DUI, or an at-fault accident on your record.
However, State Farm offers the cheapest rates for Allentown drivers with at-fault accidents and violations. Their car insurance policies are sold by the biggest sales team in America, who all have offices set up in the same neighborhoods as their insured.
Benefits & Drawbacks
⇅- Benefit from a good selection of discounts, including student and good driver discounts, providing cost-saving opportunities.
- Enjoy the advantage of having rideshare insurance, ensuring coverage while using your vehicle for ridesharing services. ✓
- No accident forgiveness, new car replacement, gap insurance, deductible modification, or better car replacement, limiting some coverage options.
- No unique coverages available, such as OEM replacement parts, potentially restricting specialized protection for your vehicle. ✘
Rates For The Cheapest Car Insurance In Allentown After A Violation
| Insurance company | Monthly rate after a DUI |
| State Farm | $120 |
| Allstate | $190 |
| The Hatford | $140 |
| Progressive | $210 |
| Erie | $120 |
Cheapest For Teens
Key Statistics
Why We Like Them
⇅When it comes to teens who have been added to their parent’s car insurance, Nationwide takes the lead for offering the cheapest rates. Choosing a family policy, over getting a separate policy, is far more cost-effective for teenagers
If a young driver in Allentown goes all in for their own plan, they’ll be forking over a whopping $10,149 each year with Nationwide – a price that’s very heavy for most teens. However, adding them under their parents’ Nationwide policy brings the price down to just $2,750 a year.
Benefits & Drawbacks
⇅- Provides a plethora of common discounts, including bundling, multi-car, good student, safe driver, anti-theft, paperless, and defensive driving, to help you save.
- Presents an enticing additional discount if you opt for automatic payments, making it even more budget-friendly.
- Offers the convenience of mechanical breakdown assistance and the security of identity theft coverage as optional add-ons. ✓
- Unfortunately, it doesn't offer new car or better replacement coverage, which might be a consideration for those seeking extra protection for their vehicles.
- It lacks discounts for paying in full or installing airbags, potentially limiting some cost-saving opportunities. ✘
Rates For The Cheapest Car Insurance For Teens In Allentown
| Insurance company | Family Plan Annual Premium | Individual Plan Annual Premium |
| Nationwide | $1,170 | $5,620 |
| Travelers | $1,630 | $6,850 |
| Auto Owners | $1,610 | $7,320 |
| State Farm | $2,480 | $5,990 |
| Allstate | $1,950 | $8,300 |
Cheapest For Seniors
Key Statistics
Why We Like Them
⇅As drivers get older, their car insurance bills tend to climb. Now, considering Allentown’s high cost of living and the likelihood of being on a fixed income, seniors are always scouting for low car insurance rates. If a chance to pocket some extra cash shows up, they won’t shy away from switching insurance companies.
Once again, Travelers proves to be the cheapest option, offering the best bang for your buck to this growing group of drivers. With more than 10,000 Baby Boomers hitting 65 every single day across the nation, they’re fighting with inflation, while learning how to live off their retirement funds. But Travelers steps up, showing a commitment to making car insurance fit into their budget.
Benefits & Drawbacks
⇅- Boasts the most competitive rates for seniors, ensuring affordability for this age group.
- Provides a diverse array of discounts, adding more value to the insurance packages.
- Offers a wide range of coverage options and add-ons, allowing seniors to tailor their policies to their specific needs. ✓
- It's essential to note that rates may increase as drivers age into their 70s and 80s, which could impact budget considerations for the long term. ✘
Rates For The Cheapest Car Insurance In Allentown For Seniors
| Insurance company | Monthly rate for full coverage for seniors |
| Penn National | $70 |
| Nationwide | $82 |
| State Farm | $77 |
| Erie | $80 |
| Allstate | $83 |
Average Cost Of Car Insurance In Allentown
This is the average cost of car insurance in Allentown across several categories:
Average Cost In Allentown – By Age
| Age group | Average Monthly Rate |
| Teens | $275 |
| 20s | $180 |
| 30s | $110 |
| 40s | $105 |
| 50s | $90 |
| 60s | $89 |
| 70s | $125 |
Average Cost In Allentown – By Marital Status
| Marital Status | Average annual rate |
| Single | $1,420 |
| Married | $1,425 |
| Divorced | $1,565 |
| Widowed | $1,490 |
Average Cost In Allentown – By Gender
| Driver’s gender | Annual cost |
| Female | $1,570 |
| Male | $1,570 |
| Difference | $0 |
Average Cost In Allentown – By Accident And Violation History
| Violation | Average yearly rate |
| DWI/DUI | $2,160 |
| Reckless Driving | $2,310 |
| At-fault Accident (damages greater than $2,000) | $2,465 |
Average Cost In Allentown – By Credit Tier
| Credit Tier | Average Monthly rate |
| Excellent | $172 |
| Good | $180 |
| Average | $194 |
| Poor | $198 |
Average Cost In Allentown – By Zip Code
| Zip code | Monthly cost |
| 18001 | $52 |
| 18915 | $107 |
| 18017 | $137 |
| 18109 | $140 |
| 18102 | $131 |
Minimum Car Insurance Requirements In Allentown
These are the minimum liability insurance requirements in Philadelphia:
- $15,000 if someone gets hurt or worse
- $30,000 if it’s more than one person
- $5,000 for stuff getting damaged
Liability insurance only compensates a person other than the policyholder for personal or property damage. Full coverage also covers the policyholder.
How To Buy Car Insurance In Allentown
It’s worth noting that each car insurance company offers policies that can meet your needs. However, depending on your situation, one company may be more beneficial than others. For instance, if you’re 65, Travelers’ policy might be the best for you because of its low rates for seniors. Alternatively, if you’re 17, Nationwide might be the better option for your car insurance due to its focus on a younger demographic.
To determine the best car insurance company for you, ask yourself these five questions:
1. What are the financial ratings of the company?
2. Does the company offer the coverage I need?
3. Do I prefer to receive assistance from a local agent or search for policies online?
4. Are the company’s rates competitive for my age group?
5. Are most online reviews of the company positive?
Remember, the company and coverage that work best for you now may not be as competitive in the future. Therefore, it’s important to compare rates and coverage every six or twelve months when your policy renews.
Factors That Impact The Cost Of Your Car Insurance Policy In Allentown
Car insurance prices in Allentown, as well as across all states, are shaped by a range of factors. These include:
Age: Your age can lead to car insurance rates differing by a significant 367%.
Car make and model: The type of vehicle you drive affects insurance costs. For instance, insuring a truck is about 3% less costly compared to a sedan, on average.
High-risk incidents: Traffic infractions and car accidents can upsurge insurance expenses by a margin ranging from 20% to 200%.
Yearly mileage: The distance you cover each year plays a role because the more you drive, the higher the chances of being in an accident.
Zip code: Your residential area’s zip code can lead to fluctuations in your insurance rates.
Marital status: Married drivers enjoy reduced premiums due to being statistically considered less risky to insure.
Allentown Car Insurance Laws To Know
The rules for car insurance in Allentown are pretty straightforward: if you’re driving in the city, you need to have at least the minimum amount of car insurance that the state demands. Plus, you should always have a way to show that you’re covered while you’re out on the road.
In The News
As reported by Billy Penn over at WHYY, folks in Allentown are reaching out for assistance due to bullet-related car damage, an issue that persists amid ongoing shootings (October 2021). In a city where over a quarter of the population grapples with poverty and many others are just making ends meet, this situation can create significant financial stress.
Car Insurance Discounts In Allentown
Virtually every car insurance company in Allentown has some money-saving discounts up for grabs, and you could be eligible for:
- Having safety equipment, like airbags, anti-lock brakes, daytime running lights, or an anti-theft system
- Owning a vehicle that is three model years old or newer
- Driving for five years with no accidents
- Using seat belts
- Completing a defensive driving course
- Having good grades
- Insuring more than one vehicle
- Bundling homeowners, renters, condo, or mobile home insurance with a car insurance policy
- Being active-duty or retired military
Looking For Car Insurance In Other Cities In Pennsylvania?
FAQs
Why is Pennsylvania car insurance so high?
A bunch of things push those car insurance rates higher in Pennsylvania. It’s all about how many folks are driving without insurance and the kind of tricky weather situations drivers deal with – like snow, ice, and heavy rain storms.
How much is car insurance in Pennsylvania a month?
On average, folks pay around $1,672 a year for car insurance in Pennsylvania.
Which company offers the cheapest car insurance?
Travelers takes the cake for being the most budget-friendly option.
