Cheapest Car Insurance In Harrisburg, PA

My investigation confirms that Travelers is your go-to for cheap car insurance in Harrisburg.

min read
Updated: 23 January 2024
Written by
Doug Schaffer
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For all you Harrisburg residents out there, stretching your dollars, especially when it comes to car insurance, is a top priority. My thorough investigation points straight at Travelers, standing tall with the most affordable car insurance in Harrisburg.

Nailing down the right car insurance without emptying your wallet is a important for your financial health. Not only are those monthly payments expensive, but having solid coverage is also your safety net in case of a nasty accident leading to injuries or worse.

With a solid 15 years in the insurance game and over three decades buying car insurance myself, I’m well-acquainted with all these players on the field, having signed up with quite a few. Each company brings its own good qualities, but some of them are better in certain areas than others.

Cheapest And Best Car Insurance Companies In Harrisburg, PA 2024

Best Car Insurance, Harrisburg 2024

Compare The Cheapest Car Insurance Companies In Harrisburg, PA 2024

J.D. Power Rating Cheapest For A.M. Best Rating Overall Rating Online Experience Get A Quote
State Farm

843

Driving Violations

A++

4.8

9.7

Instant Quote
Travelers

822

Full Coverage

A++

4.8

9.5

Instant Quote
Travelers

822

Cheapest Overall

A+

4.9

9.5

Instant Quote
Travelers

822

Minimum Coverage

A+

4.9

9.5

Instant Quote
Nationwide

820

Teens

A+

4.7

9.6

Instant Quote
Travelers

822

Seniors

A+

4.9

9.5

Instant Quote
Scroll to see comparisons

Our Methodology

I dove headfirst into this job, checking out everything – how well they treat customers, what they offer, the prices, and how easy it is to use their website. My solid know-how, which I've gathered from being in the car insurance game for more than 15 years as both a buyer and a licensed agent, and the chats I've had with folks from different companies, have given me some real insider info on what's good and what's not with these insurance folks.

62

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

28+

Research Hours

Reviews Of The Best Cheap Car Insurance Companies In Harrisburg


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Harrisburg, Travelers not only catches the eye with the friendliest price tags for car insurance but also wins big in the customer service department. While its overall reputation for keeping folks content is pretty good, it truly sparkles in the way it handles complaints – which translates to hardly any customer service hiccups.

Insurance companies often keep their secrets for calculating premiums under wraps, leaving us drivers scratching our heads about why some wallets feel the pinch more than others. But things like a bad driving record, your credit score, and how many years you’ve been around can affect those rates. Travelers, though, plays it cool and square by giving everyone’s details a fair shake.

Benefits & Drawbacks

Benefits
  • Offers the cheapest rates for most drivers in Harrisburg, making it an affordable choice.
  • Provides unique discounts for new vehicles, loyal customers, homeowners, and hybrid vehicle owners, ensuring potential savings.
  • Includes a range of add-on coverages like roadside assistance, accident forgiveness, new car replacement, and gap insurance, enhancing policy flexibility.
Drawbacks
  • Does not offer options for deductible modification or better car replacement, limiting customization possibilities.
  • Unfortunately, rideshare insurance is not available in Pennsylvania, which may not suit rideshare drivers in the area.

Rates For The Cheapest Car Insurance In Harrisburg

Insurance company Monthly rate for full coverage
Penn National $81
Nationwide $107
Auto-Owners $98
State Farm $91
Erie $87

Cheapest For Driving Violations

Overall Rating
4.8

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
7/10 Coverage Level

Why We Like Them

In busy Harrisburg, all that hustle and bustle on the roads can end up in trouble – tickets and crashes. When you get a ticket, drive under the influence, or cause a crash, those insurance rates tend to get higher.

For folks with a record of mishaps and accidents, State Farm offers the cheapest prices in Harrisburg. They’ve also got the largest number of agents in the whole country, with offices right where their policyholders live.

Benefits & Drawbacks

Benefits
  • Boasts a good selection of discounts, encompassing student and good driver discounts, catering to different customer groups.
  • Offers rideshare insurance, addressing the needs of rideshare drivers seeking coverage.
Drawbacks
  • Does not provide accident forgiveness, new car replacement, gap insurance, deductible modification, or better car replacement options, limiting policyholder benefits.
  • Lacks unique coverages, such as OEM replacement parts, which may not suit individuals seeking specialized protection for their vehicles.

Rates For The Cheapest Car Insurance In Harrisburg After A Violation

Insurance company Monthly rate after a DUI
State Farm $108
Allstate $89
Travelers $86
Auto-Owners $162
Erie $126

Best For Full Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

It might be tempting to stick to the minimum required car insurance in Harrisburg. However, if you’ve got one a car that’s worth more than what you pay each year, going all-in with full coverage is a much smarter move. And guess what? Travelers is your go-to for the most budget-friendly full coverage policy in Harrisburg.

Travelers sweetens the deal by dishing out a bunch of discounts to keep your car insurance premiums down. You could save with bundles, having multiple cars, being a good student, driving safe, or skipping the paper trail. And hey, if you’re cruising in a hybrid, you might even snag the alternative energy discount.

Benefits & Drawbacks

Benefits
  • Offers the cheapest rates for full coverage in Harrisburg, providing budget-friendly options for customers.
  • Demonstrates a better-than-average track record with fewer complaints compared to the national average, as reported by the NAIC.
Drawbacks
  • Lacks a mobile app, which may inconvenience some policyholders seeking easy access to their insurance information.
  • Does not offer the convenience of purchasing coverage online, potentially limiting options for tech-savvy customers.

Rates For The Cheapest Monthly Full Coverage Car Insurance In Harrisburg

Insurance company Monthly rate for full coverage
Travelers $63
Nationwide $56
Auto-Owners $64
State Farm $96
Allstate $92

Cheapest For Seniors

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

As people grow older, their car insurance usually climbs up too. Now, in Harrisburg, where the cost of living is high and some seniors are counting every penny on a fixed income, they’re always scouting for deals and ready to jump ship to save some cash.

Travelers does it again, showing up as the friendliest choice for this ever-growing demographic. With more than 10,000 Baby Boomers hitting 65 every single day in the USA, dealing with rising prices and living on that retirement cash, Travelers proves it’s all about keeping car insurance affordable for these road-savvy veterans.

Benefits & Drawbacks

Benefits
  • Offers the most budget-friendly rates for seniors, ensuring affordability for this demographic.
  • Provides a good selection of discounts, allowing seniors to take advantage of potential savings.
  • Presents numerous coverage options and add-ons, tailoring policies to meet individual needs effectively.
Drawbacks
  • Rates may increase as drivers age into their 70s and 80s, potentially affecting the overall cost of insurance for older policyholders.

Rates For The Cheapest Car Insurance In Harrisburg For Seniors

Insurance company Monthly rate for full coverage for seniors
Travelers $56
Nationwide $50
State Farm $86
Auto Owners $67
Allstate $77

Cheapest Minimum Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

When it comes to the quest for the friendliest car insurance prices in Harrisburg, Travelers snags not one, but two shiny trophies: one for the most budget-friendly full coverage and another for the least expensive minimum coverage.

Now, there are times when it’s smart to aim for the minimum coverage, the one that Pennsylvania law insists on (we’re talking $15,000 for someone hurt or killed, $30,000 for more than one person, and $5,000 for messing up someone’s property). Here’s the scoop: if you’re rolling around in an older car without any money owing on it, and its worth is less than what a full coverage plan would set you back, just sticking with the minimum might do the trick.

Benefits & Drawbacks

Benefits
  • The most affordable rates for full coverage in Harrisburg, offering excellent value for customers.
  • Demonstrates a superior track record with fewer complaints compared to the national average, based on the NAIC data.
Drawbacks
  • No mobile app available, potentially limiting access to policy information and services on-the-go.
  • The absence of online coverage purchase option, which may inconvenience customers seeking a digital insurance experience.

Rates For The Cheapest Minimum Car Insurance In Harrisburg

Insurance company Monthly rate for minimum coverage
Travelers $27
Nationwide $30
Chubb $38
State Farm $34
Allstate $51

Cheapest For Teens

Overall Rating
4.7

Key Statistics

10/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

When it comes to adding teens on to their parent’s car insurance, Nationwide takes the crown when it comes to cheap car insurance. Picking a family plan instead of going solo is the smart and money-wise move for those teenage drivers.

If a young driver in Harrisburg decides to drive alone, they’ll be staring at a whopping $10,149 bill each year with Nationwide – a number that’s a real tough nut for most teens to crack. But here’s the silver lining: by tucking them into their parent’s Nationwide policy, that premium takes a massive dip down to just $2,750 a year.

Benefits & Drawbacks

Benefits
  • Provides a variety of common discounts, such as bundling, multi-car, good student, safe driver, anti-theft, paperless, and defensive driving discounts, maximizing opportunities for savings.
  • Presents an additional discount incentive for opting for automatic payments, rewarding customers for choosing convenient payment options.
  • Offers the option to enhance coverage with valuable add-ons like mechanical breakdown assistance and identity theft coverage, providing comprehensive protection.
Drawbacks
  • Does not offer new car or better replacement coverage, potentially limiting options for those seeking enhanced coverage for their vehicles.
  • Lacks discounts for paying in full or having airbags installed, which may be a drawback for customers looking for additional cost-saving opportunities.

Rates For The Cheapest Car Insurance For Teens In Harrisburg

Insurance company Family Plan Annual Premium Individual Plan Annual Premium
Nationwide $1,197 $2,999
Travelers $1,653 $3,002
Auto Owners $1,770 $4,012
State Farm $2,376 $3,097
Allstate $2,230 $6,031

Average Cost Of Car Insurance In Harrisburg

Here’s the rundown of the average car insurance costs in Harrisburg, covering various categories:

Average Cost In Harrisburg – By Age

Age group Average monthly premium for full coverage
Teens $267
20s $150
30s $94
40s $96
50s $84
60s $79
70s $86

Average Cost In Harrisburg – By Marital Status

Marital Status Average annual rate
Single $1,396
Married $1,343
Divorced $1,407
Widowed $1,379

Average Cost In Harrisburg – By Gender

Driver’s gender Annual cost
Female $1,632
Male $1,634
Difference $2

Average Cost In Harrisburg – By Accident And Violation History

Violation Average yearly rate
DWI/DUI $2,511
Speeding $1,604
At-fault accident $2,153

Average Cost In Harrisburg – By Credit Tier

Credit Tier Average annual rate
Very Poor (300-579) $2,595
Fair (580-669) $2,173
Good (670-739) $1,805
Very Good (740-799) $1,478
Exceptional (800-850) $1,212

Minimum Car Insurance Requirements In Harrisburg

Let’s break down the must-haves for liability insurance in Harrisburg:

  • $15,000 if someone gets hurt or worse
  • $30,000 when it’s more than one person
  • $5,000 for any property mess

Just so you know, liability insurance only takes care of the other folks involved, not you. Now, full coverage is the real deal – it’s got your back and everyone else’s if things go south in a crash.

How To Buy Car Insurance In Harrisburg

Remember, every car insurance company has their own deals that can match what you need. But here’s the twist – depending on your situation, one might give you a better deal than the rest. Like, if you’re 65 and all, Travelers could be your ace with its pocket-friendly rates for seniors. On the flip side, if you’re just 17, Nationwide might be your jam, focusing on the young crowd.

So, if you’re on the hunt for the top dog in car insurance for you, ask yourself these five questions:

1. How’s the company doing money-wise?

2. Do they cover what I need?

3. Am I more into chatting with a local agent or surfing for plans online?

4. Do their prices work for people like me?

5. Are most folks giving them thumbs up online?

And don’t forget, what’s great right now might not be the champ down the road. So, every six or twelve months, when your policy gets a fresh start, check out the rates and coverage out there.

Factors That Impact The Cost Of Your Car Insurance Policy In Harrisburg

Car insurance prices in Harrisburg, just like anywhere else, ride the waves of a bunch of things, including:

Age: Your years on this planet can mean rate swings up to a whopping 367%.

Car type and model: Some rides are kinder on the insurance wallet. Take trucks – they’re like 3% cheaper to cover than those sedans, on average.

Red-flag actions: Getting in trouble on the road or in accidents can pump up insurance bills from 20% to 200%.

Yearly miles: The more you cruise, the more chances for accidents, which can wave hello to your rates.

Zip code: Where you plant your feet can shake up those insurance numbers.

Married life: Couples usually snag lower payments since they’re seen as less risky bets to insure, stat-wise.

Harrisburg Car Insurance Laws To Know

In Harrisburg, the rules for car insurance are crystal clear and super simple: everyone behind the wheel has to have at least the bare minimum insurance the state demands. And just to be sure, you’ve gotta have proof that you’re covered while you’re out there cruising around.

In The News

According to the scoop from Billy Penn at WHYY in October 2021, folks in Harrisburg were wrestling with a not-so-fun problem: bullet damage to their cars because of ongoing shootings. Now, here’s where it gets tough – this turns into a big money headache, especially in a place where more than a quarter of the folks are struggling below the poverty line and lots of others are counting every penny they earn.

Car Insurance Discounts In Harrisburg

In Harrisburg, lots of car insurance folks give out discounts that could save you some cash. Check out these cool ones:

● Having safety gear like airbags, anti-lock brakes, daytime running lights, or an anti-theft setup

● Cruising in a car that’s no older than three model years

● No accidents for five years straight

● Buckling up those seat belts

● Nailing a defensive driving course

● Acing those grades

● Covering more than one ride

● Bundling up with other insurances like home or renters

● Being in the military, past or present

FAQs

Why is Pennsylvania car insurance so high?

Pennsylvania car insurance prices dance to a bunch of different tunes, and they can rise for all sorts of reasons. One thing that nudges them up is having lots of drivers without insurance out there, which messes with the rates. And you know what else messes with the numbers? The weather. Snow, ice, and crazy rain storms make the roads a mess and accidents more likely, so rates hitch a ride uphill.

How much is car insurance in Pennsylvania a month?

In Pennsylvania, folks usually fork out around $1,672 every year for car insurance.

Which company offers the cheapest car insurance?

In the realm of car insurance in Harrisburg, Travelers stands tall as the champ of affordability.

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