Cheapest Car Insurance In Allentown, PA 2026
State Farm offers the most affordable car insurance in Allentown, with minimum coverage costing about $59 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest car insurance in Allentown, PA, usually points drivers toward State Farm and Allstate, which currently offer some of the lowest baseline rates. Minimum liability coverage in the area averages roughly $60 to $91 per month, while full coverage policies typically start around $105.
Although Pennsylvania law only mandates 15/30/5 liability limits, exact premiums vary based on local factors like your specific ZIP code, commuting habits, and whether you park in Center City or the West End.
What’s Changed In 2026?
- Regulator actions have prevented some insurer rate increases, affecting premiums for Allentown drivers.
- Accident surcharge threshold adjustments change how surcharges apply to drivers with recent claims.
- Usage-based telematics programs are more widely available, offering discounts tied to monitored driving behavior.
Cheapest Car Insurance In Allentown, PA 2026
Cheapest Liability-only Car Insurance In Allentown: State Farm
State Farm offers the lowest-priced minimum coverage car insurance in Allentown, averaging $59 per month.
Refer to the table below to see how insurance rates vary between providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $59 | $708 |
| Auto-Owners | $74 | $888 |
| Mile Auto | $63 | $756 |
| Travelers | $89 | $1,068 |
| Progressive | $91 | $1,092 |
Cheapest Full Coverage Insurance Rates In Allentown: Allstate
Allstate offers the lowest rates for full coverage car insurance, with an average monthly cost of $105 in Allentown.
The table below shows average auto insurance quotes from budget-friendly providers in Allentown.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $105 | $1,260 |
| Auto-Owners | $158 | $1,896 |
| State Farm | $125 | $1,500 |
| Nationwide | $241 | $2,892 |
| Travelers | $186 | $2,232 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the most affordable car insurance for seniors in Allentown, with an average rate of $80 per month.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $80 | $960 |
| Allstate | $87 | $1,044 |
| Atlantic states | $85 | $1,020 |
| Plymouth Rock | $93 | $1,116 |
| Victoria | $90 | $1,080 |
Cheapest Rates In Allentown For Teenagers: Nationwide
Nationwide offers the lowest car insurance rates for teenage drivers in Allentown, with an average monthly cost of $229.
The table below lists the insurance providers with the most affordable rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $229 | $2,748 |
| Auto-Owners | $237 | $2,844 |
| State Farm | $240 | $2,880 |
| Allstate | $308 | $3,696 |
| Progressive | $533 | $6,396 |
Cheapest Auto Insurance For Young Adults in Allentown: Clearcover
Young adults in Allentown can get the lowest insurance rates from Clearcover, averaging $62 per month.
Use the table below to compare the most affordable auto insurance rates for young adults in Allentown.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $62 | $744 |
| Safe Auto | $129 | $1,548 |
| Jupiter | $121 | $1,452 |
| State Farm | $140 | $1,680 |
| Erie | $139 | $1,668 |
Cheapest Car Insurance In Allentown For Good Drivers: State Farm
State Farm offers the lowest car insurance rates for good drivers in Allentown, averaging $59 per month.
Safe drivers can check the table below to compare average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $59 | $708 |
| Auto-Owners | $74 | $888 |
| Mile Auto | $63 | $756 |
| Travelers | $90 | $1,080 |
| Progressive | $92 | $1,104 |
Find affordable Allentown rates
Cheapest Car Insurance In Allentown After A Speeding Ticket: State Farm
Compared to other insurers in Allentown, State Farm is highly affordable, offering an average monthly rate of $71 for drivers with a speeding ticket.
Check the table below to see the average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $71 | $852 |
| Erie | $85 | $1,020 |
| National general | $98 | $1,176 |
| GEICO | $110 | $1,320 |
| Auto-Owners | $91 | $1,092 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance for drivers with an at-fault accident, averaging $75 per month.
These car insurance companies offer the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $75 | $900 |
| Allstate | $131 | $1,572 |
| Auto-Owners | $95 | $1,140 |
| GEICO | $115 | $1,380 |
| Travelers | $113 | $1,356 |
Cheapest Rates In Allentown For Drivers After A DUI: State Farm
State Farm offers the lowest insurance rates for drivers with a DUI, with an average monthly cost of $91 in Allentown.
The table below lists the most affordable insurance rates for Allentown drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $91 | $1,092 |
| Erie | $106 | $1,272 |
| Allstate | $158 | $1,896 |
| Auto-Owners | $114 | $1,368 |
| GEICO | $141 | $1,692 |
While comparing prices in Allentown is helpful, every policy is different. With PolicyOwl, you can upload your policy and instantly see what coverage you’re really getting for your money.
Best Car Insurance Companies In Allentown
State Farm offers the cheapest insurance in Allentown at $59 per month, while Mile Auto ($63) and Erie ($67) are also great options.
Below is a list of the top 10 car insurance companies in Allentown, PA, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $59 |
| Auto-Owners | $74 |
| Mile Auto | $63 |
| Travelers | $90 |
| Progressive | $92 |
| Erie | $67 |
| National General | $80 |
| GEICO | $91 |
| Allstate | $102 |
| The General | $105 |
Average Auto Insurance Rates In Allentown – By Age
Age plays a major role in determining car insurance rates. Younger drivers usually pay more because they have less experience and a higher risk of accidents and traffic violations. On average, teenagers face annual premiums of about $3,109.
Once drivers turn 25, their insurance rates typically start to drop—provided they have a clean driving record.
Drivers in their 50s and early 60s usually get the best insurance rates since companies consider age when assessing experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $3,109 |
| 20s | $2,375 |
| 30s | $1,485 |
| 40s | $1,325 |
| 50s | $1,233 |
| 60s | $1,207 |
| 70s | $1,477 |
Average Rates In Allentown – By Vehicle
The car you drive greatly affects your insurance rates. Insurers consider factors like make, model, year, and body style, with newer luxury cars often costing more to insure due to their advanced technology and high replacement costs.
Check the table below to see the average insurance rates for various vehicles in Allentown.
| Vehicle | Average Monthly Rate |
| Honda Civic | $1,295 |
| Cadillac Escalade | $410 |
| Tesla Model Y | $835 |
| Toyota Highlander | $334 |
| Nissan Murano | $262 |
Average Cost Of Auto Insurance In Allentown – By Zip Code
Insurance companies use zip codes to assess crime levels, which is why car insurance rates vary by location.
Check the table below to compare average insurance rates by zip code in Allentown.
| City | Average Monthly Rate |
| 18101 | $181 |
| 18109 | $152 |
| 18106 | $147 |
| 18001 | $53 |
| 18102 | $149 |
How Much Is Car Insurance In Other Cities in Pennsylvania?
Where you live has a big impact on your car insurance costs. Insurers consider factors like accident rates, theft, and vandalism, which are typically higher in cities and lead to more expensive premiums.
In Philadelphia, drivers typically pay about $237 per month for car insurance, whereas those in Valley Forge average around $73 per month.
| City | Average Monthly Rate |
| Pittsburgh | $145 |
| Bethlehem | $148 |
| Johnstown | $110 |
| Wilkes Barre | $125 |
| Valley Forge | $73 |
| Philadelphia | $237 |
| Lancaster | $134 |
| Harrisburg | $135 |
| Scranton | $135 |
| Erie | $136 |
Find affordable Allentown rates
Our Methodology
After analyzing customer service, pricing, product options, and online reviews, I’ve put together a detailed overview of car insurance providers in Allentown, PA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Allentown?
In Allentown, State Farm offers the cheapest rates for minimum coverage, while Allstate has the lowest prices for full coverage, including comprehensive and collision insurance.
What is the average cost of car insurance in Allentown?
Car insurance in Allentown costs around $152 per month on average, though rates depend on factors like your zip code, car model, and driving history.
About Doug Schaffer
Doug Schaffer is an experienced copywriter who has spent over a decade creating high-quality insurance insights for major insurance carriers, like Progressive. At Insuranceopedia, he specializes in simplifying complex insurance topics and producing thought leadership pieces.