Allentown, PA Car Insurance

What's the average cost of car insurance in Allentown?


The typical Allentown driver pays $1,561 per year for car insurance coverage. That's more expensive than the average across Pennsylvania ($1,475) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Allentown.


CAR INSURANCE: ALLENTOWN RATES VS. STATE + NATIONAL AVERAGES
Allentown Average (per year)Pennsylvania AverageNational Average
$1,561$1,475$1,548

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Allentown car insurance premiums by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, GEICO provides Allentown's cheapest rates. See below the best companies for cheap auto insurance in Allentown — but don't forget to get personalized car insurance quotes to match your driving profile.


ALLENTOWN AUTO INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
GEICO$912
Erie$976
Nationwide$1,260
State Farm$1,313
Progressive$2,144

Read our guide to finding the best cheap auto insurance.



Allentown car insurance costs by age

The best age for car insurance rates as a driver in Allentown is your age_50s: drivers in this age group pay an average of $1,361per year. Drivers in their age_60s pay marginally higher rates — $1,389 per year.

Teenage drivers pay Allentown's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Allentown is to age out of your teenage years. In Allentown, teenage drivers pay $4,711 — a full $3,322 more than the second-most expensive rate paid by an age group.


ALLENTOWN AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$4,711
20s$2,040
30s$1,542
40s$1,468
50s$1,361
60s$1,389
70s$1,713

Learn more about the impact of age on car insurance premiums.



Allentown auto insurance costs by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Allentown pay $142 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Allentown, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can impact auto insurance costs. In Allentown, female drivers pay $0 per year more than do male drivers.


ALLENTOWN CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,561
Male$1,561
Single$1,419
Married$1,419
Divorced$1,561
Widowed$1,486

Learn more about the impact gender and marital status have on insurance rates.



Allentown car insurance costs by driving history


Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Allentown drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $745 per year versus the city average. A ticket for speeding results in a $166 rate hike while a DWI or DUI violation costs $591per year in extra insurance expenditures.


ALLENTOWN CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DUI/DWI$2,152
Reckless Driving$2,307
At-fault Accident (damages less than $1,000)$1,706
At-fault Accident (damages greater than $2,000)$2,479
Speeding Ticket (16-20 mph over speed limit)$1,727

Learn more about the impact of driving violations on car insurance rates.



Allentown auto insurance costs by credit level


It's no secret credit score is closely correlated with car insurance rates. In fact, Allentown drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Allentown, improving your credit to "Fair" corresponds with a $1,154 decrease in annual car insurance rates.


ALLENTOWN AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
Credit TierAverage Annual Rate
Very Poor$3,072
Fair$1,917
Good$1,561
Very Good$1,389
Exceptional$1,237

Get additional information on how credit impacts car insurance costs.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.