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Get cheap auto coverage rates in PA

How Much Does Car Insurance Cost in Allentown, PA?

  • State minimum liability on average in Allentown, PA costs $66 a month or $790 a year. Full coverage auto policies costs around $247 a month or $2,959 a year in Allentown.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Allentown – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

Allentown, PA Car Insurance

Cheap Car Insurance Companies in Allentown, PA

Here are the average policy rates from the cheapest local and national insurance providers in Allentown from our cost database of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Company:State Minimum:Monthly:Full Coverage:Monthly:
Erie Insurance$466$39$2,363$197

How to Get a Cheap Auto Insurance Policy in Allentown, PA

Allentown, PA drivers looking for affordable car insurance policies should consider obtaining multiple free auto insurance quotes to find the best rates. With InsuranceQuotes’ user-friendly quote form and real-time cost comparison tools, comparing different policy options from both local and national insurance companies has never been easier. By taking advantage of this convenient service, drivers can ensure they are getting the most competitive rates available in their area. Whether you’re a new driver or simply looking to switch providers, using our platform will help you make an informed decision on your car insurance coverage while saving money in the process.

How Much Car Insurance Do I Need in Pennsylvania?

In Pennsylvania, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Pennsylvania includes:

  1. Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Pennsylvania requires minimum bodily injury liability coverage of:
    • $15,000 per person injured in any one accident
    • $30,000 for all persons injured in any one accident
  2. Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Pennsylvania requires minimum property damage liability coverage of:
    • $5,000 for injury to or destruction of property of others in any one accident

These are the minimum coverage requirements mandated by Pennsylvania law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.

While the above coverages are required by law, Pennsylvania also offers additional optional coverage types for drivers to consider, including:

  1. Liability Coverage: This coverage is required by law in Pennsylvania and helps pay for injuries or property damage you cause to others in an at-fault accident.
  2. Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
  3. Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
  4. Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
  5. Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
  6. Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
  7. Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
  8. Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
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