Allentown Car Insurance

The Zebra
May 30, 2018

Car Insurance in Allentown

Allentown has premiums that are fairly consistent with the state average, as they are within $68 of one another. Keep some money in your pocket by following the tips below about how to save on car insurance in Allentown.

  • City Average: $1,501
  • State Average: $1,433
  • National Average: $1,427

Allentown Car Insurance by Credit Rating

Improving your credit can save you a good amount of money. Those in the top credit tier (800-850) save an average of $1,500 each year on car insurance compared to those in the bottom tier (300-579). Moving from Very Poor (300-579) to Fair (580-669) has the largest favorable effect on premiums, as it saves drivers around $353 per year.

  • Very Poor: $2,801
  • Fair: $2,340
  • Good: $1,939
  • Very Good: $1,586
  • Exceptional: $1,301

Allentown Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of car insurance rates. Usually, a DUI in Allentown will cost you 80% more in car insurance premiums versus the city average of $1,501. Reckless driving will bump your rates up as well, with average rates of $2,147. That is 43% higher than the city average. Do you want to increase your premiums by $173? If not, be aware of your speedometer because getting pulled over for driving 16-20mph over the speed limit in Allentown will cause that rise.

  • DUI: $2,709
  • Reckless Driving: $2,147
  • At-fault Accident (damages less than $1000): $1,570
  • At-fault Accident (damages greater than $2000): $2,362
  • Speeding Ticket (16-20 mph over speed limit): $1,674

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Allentown Car Insurance by Gender and Marital Status

In Allentown, various driver characteristics, including gender and marital status, can play a part in car insurance premiums. Being single, as opposed to married, can cost you around 4% more per year. Rates for those who are widowed are a hair cheaper than rates for those who are single, while rates for divorced individuals are more expensive. The amount by which men's and women's car insurance premiums deviate is minimal.

  • Female: $1,516
  • Male: $1,501
  • Single: $1,501
  • Married: $1,446
  • Divorced: $1,506
  • Widowed: $1,475

Allentown Car Insurance by Age

In Allentown, when drivers hit their 20s, therefore moving out of the teenage age range, they save an average of 56%. It is the largest gap between any age group. In Allentown, turning 60 means an increase in rates. Up until then, moving from one age group to the next means decreasing prices. Teenage drivers are the ones who pay the most in car insurance premiums, with typical payments of $4,419. Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $1,308 per year. Those in their 60s ($1,350) have premiums that aren't much higher.

  • Teenagers: $4,419
  • 20s: $1,945
  • 30s: $1,488
  • 40s: $1,427
  • 50s: $1,308
  • 60s: $1,350
  • 70s: $1,612