For a 40-year-old driver with a clean record, car insurance in Allentown, PA, averages about $205 a month ($2,455 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Pennsylvania average of $204 a month. Erie has the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $143 a month.
Allentown, Pennsylvania’s third-largest city, sits right at the state average for full coverage, but it costs more than the rest of the Lehigh Valley. Our benchmark driver pays about $24 a month more here than in Bethlehem and $21 more than in Easton.
Before you compare car insurance quotes in Allentown, PA, check where your ZIP code falls: the auto insurance cost in Allentown runs from about $187 a month in 18106 to $223 in 18102 for full coverage, so your address matters as well as your insurer.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Allentown ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in Allentown, PA, runs about $205 a month ($2,455 a year), and liability-only coverage at Pennsylvania’s 15/30/5 minimum runs $57 a month, based on rates insurers had filed as of Aug. 31, 2026. The Pennsylvania average is roughly the same.
Erie has the lowest full-coverage average among the five insurers in our Allentown rate data. Erie’s Allentown average is 33% below State Farm’s and Progressive’s, a lead wide enough that we’d usually show the range instead, but a published 2026 rate study also ranks Erie cheapest in Allentown, so we name it. The seven published 2026 statewide Pennsylvania rate studies we reviewed disagree on the cheapest insurer for full coverage: two rank Travelers first, two Auto-Owners and one each Erie, Encova and State Farm. Four of the seven price Travelers below Erie, and two price Nationwide below it. For liability-only coverage at 15/30/5 limits, averages run from about $31 to $87 a month among these five insurers; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Allentown
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Erie | $373 | $31 | $1,710 | $143 |
| State Farm | $715 | $60 | $2,540 | $212 |
| Progressive | $636 | $53 | $2,547 | $212 |
| GEICO | $675 | $56 | $2,628 | $219 |
| Allstate | $1,048 | $87 | $2,850 | $238 |
| Travelers* | $470 | $39 | $1,634 | $136 |
| Nationwide* | $658 | $55 | $1,963 | $164 |
| Westfield Insurance* | $292 | $24 | $2,261 | $188 |
| USAA (military families)* | $602 | $50 | $2,457 | $205 |
| Allentown average | $689 | $57 | $2,455 | $205 |
This table uses Allentown ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the six Allentown ZIP codes we price, full coverage for our driver ranges from about $187 a month in 18106 to $223 in 18102, a gap of $428 a year. The center-city ZIP codes, 18101 and 18102, are the most expensive in our data, at about $222 and $223 a month, while 18106, on the city’s western edge, is the cheapest.
Lowest-priced Allentown ZIP codes
Highest-priced Allentown ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Allentown’s average.
| ZIP Code: | Minimum Liability 15/30/5 (Yearly): | Minimum Liability 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 18101 | $730 | $61 | $2,663 | $222 | +8% |
| 18102 | $733 | $61 | $2,673 | $223 | +9% |
| 18103 | $675 | $56 | $2,384 | $199 | -3% |
| 18104 | $672 | $56 | $2,342 | $195 | -5% |
| 18106 | $631 | $53 | $2,245 | $187 | -9% |
| 18109 | $694 | $58 | $2,424 | $202 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $70 a year on average in our Allentown data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Higher limits protect your savings if you cause a serious crash on I-78 or Route 22.
Not for our benchmark driver. Comparing the same insurers in the same Allentown ZIP codes, full coverage averaged $2,507 a year nine months earlier and $2,455 in rates as of Aug. 31, 2026, a 2.1% drop. State Farm cut its Allentown average 10.1% and Progressive 1.5%, while Allstate raised its average 2.3%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.3%, led by Allstate, which raised its liability-only average 4.4%.
Allentown is the largest city in the Lehigh Valley, and its center-city ZIP codes carry the highest prices of any Lehigh Valley ZIP code in our data, which lifts the city average above Lehigh County’s $192 a month.
Where you live inside Allentown changes your price by about $36 a month, but the difference between insurers is much bigger, about $95 a month from the lowest average to the highest. Erie’s lead over the next insurers here is also the widest of any of our 11 Pennsylvania city guides.
More Pennsylvania cities and towns are in the Pennsylvania rates by city table, and you can compare states on our car insurance rates by state page.
Elsewhere in the Lehigh Valley, Bethlehem, about six miles east, averages about $181 a month for full coverage in our data and Easton $184. Reading, about 30 miles southwest, averages $196, and Philadelphia $369. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in Allentown follow Pennsylvania’s rules. To register and drive a car, your policy must include at least $15,000 in bodily injury liability for one person, $30,000 for everyone hurt in one crash and $5,000 in property damage liability. Those liability limits are often written as 15/30/5. Your policy must also include $5,000 in medical benefits, which pay your own medical bills after a crash no matter who caused it.
Uninsured and underinsured motorist coverage is optional, letting your coverage lapse can cost you your registration, and every policy asks you to choose full tort or limited tort. Our Pennsylvania requirements guide covers the penalties for driving uninsured, and our Pennsylvania tort guide compares the two tort options side by side. For our benchmark driver, a liability-only policy at those 15/30/5 limits averages $689 a year ($57 a month) in Allentown, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $2,385 a year.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Pennsylvania Insurance Department and PennDOT. We refresh these figures when new rate data is released.
Car insurance in Allentown, PA, costs about $205 a month ($2,455 a year) for full coverage and $57 a month for liability-only coverage at Pennsylvania’s 15/30/5 minimum, for a 40-year-old driver with a clean record, in rates insurers had filed as of Aug. 31, 2026. That’s about the same as the Pennsylvania average.
Erie has the lowest full-coverage average among the five major insurers we compared in Allentown, at about $143 a month, followed by State Farm and Progressive at about $212 each. Travelers, which we list with a *, comes in lower in our table. USAA, which sells only to military families, averages about $205 a month. For liability-only coverage, averages run from about $31 to $87 a month among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. In our data, Allentown full coverage averages about $205 a month, about $24 a month more than Bethlehem ($181) and $21 more than Easton ($184) for the same driver and car.
In our data, 18106 has the lowest full-coverage average in Allentown, at about $187 a month, and 18102 the highest, at about $223. The ZIP code table on this page lists all six.
In our Allentown data, full coverage (100/300/100 with $500 deductibles) averages about $205 a month and liability-only coverage at 15/30/5 limits about $57, a difference of about $148 a month ($1,766 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Pennsylvania law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Allentown must carry Pennsylvania’s minimums: $15,000 per person and $30,000 per crash in bodily injury liability and $5,000 in property damage liability (15/30/5), plus $5,000 in medical benefits. Uninsured and underinsured motorist coverage is optional, and every policy asks you to choose full tort or limited tort.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Allentown full coverage fell 2.1% over the past nine months, from about $2,507 to $2,455 a year. State Farm cut its Allentown average 10.1% and Progressive 1.5%, while Allstate raised its average 2.3%. Liability-only coverage at 15/30/5 limits rose 0.3%.
For our benchmark driver, full coverage in Allentown averages about $205 a month. Nearby, Bethlehem averages about $181, Reading about $196 and Levittown about $226. Bethlehem and Reading are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
