For a 40-year-old driver with a clean record, car insurance in Bethlehem, PA, averages about $181 a month ($2,170 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% below 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.
Bethlehem is the cheaper of the Lehigh Valley’s two biggest cities: full coverage for our benchmark driver averages about $181 a month, about $24 less than in Allentown next door and 11% below the Pennsylvania average.
Our four Bethlehem ZIP codes span Northampton and Lehigh counties. Use these averages as a benchmark when you compare car insurance quotes in Bethlehem, PA.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Bethlehem 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.
Car insurance in Bethlehem, PA, costs about $181 a month ($2,170 a year) for full coverage and $52 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 11% below the Pennsylvania average of $204 a month.
Erie has the lowest full-coverage average among the five insurers in our Bethlehem rate data. 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 $80 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 Bethlehem
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 | $614 | $51 | $2,163 | $180 |
| Progressive | $570 | $48 | $2,194 | $183 |
| GEICO | $598 | $50 | $2,249 | $187 |
| Allstate | $961 | $80 | $2,535 | $211 |
| Travelers* | $422 | $35 | $1,454 | $121 |
| Nationwide* | $592 | $49 | $1,747 | $146 |
| Westfield Insurance* | $262 | $22 | $2,012 | $168 |
| USAA (military families)* | $541 | $45 | $2,187 | $182 |
| Bethlehem average | $623 | $52 | $2,170 | $181 |
This table uses Bethlehem ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the four Bethlehem ZIP codes we price, full coverage for our driver ranges from about $178 a month in 18020 to $182 in 18015 and 18017, a gap of $57 a year. Every Bethlehem ZIP code sits within a few dollars of the city average.
Lowest-priced Bethlehem ZIP code
Highest-priced Bethlehem ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Bethlehem’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: |
|---|---|---|---|---|---|
| 18015 | $626 | $52 | $2,188 | $182 | +1% |
| 18017 | $620 | $52 | $2,189 | $182 | +1% |
| 18018 | $632 | $53 | $2,170 | $181 | About average |
| 18020 | $614 | $51 | $2,132 | $178 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $62 a year on average in our Bethlehem data, with the same $500 deductibles. That’s about $5 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.
Not for full coverage, for our benchmark driver. Comparing the same insurers in the same Bethlehem ZIP codes, full coverage averaged $2,213 a year nine months earlier and $2,170 in rates as of Aug. 31, 2026, a 1.9% drop. State Farm cut its Bethlehem average 10.1% and Progressive 1.6%, while Allstate raised its average 2.5%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.5%, led by Allstate, which raised its liability-only average 4.7%.
Allentown’s center-city ZIP codes carry the highest prices in the Lehigh Valley in our data, while every Bethlehem ZIP code we price averages between about $178 and $182 a month. Northampton County as a whole averages about $182.
Because Bethlehem’s ZIP codes are so close together, the bigger lever is the insurer: Erie’s Bethlehem average is about $68 a month below Allstate’s for the same driver and car.
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.
Allentown, about six miles west, averages about $205 a month in our data, and Easton, at the eastern end of the Lehigh Valley, about $184. In Northampton County, Hellertown averages about $183 a month and Nazareth $182. Reading averages $196 and Scranton $184. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in Bethlehem 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 $623 a year ($52 a month) in Bethlehem, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $2,108 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 Bethlehem, PA, costs about $181 a month ($2,170 a year) for full coverage and $52 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 11% below the Pennsylvania average of $204 a month.
Erie has the lowest full-coverage average among the five major insurers we compared in Bethlehem, at about $143 a month, followed by State Farm and Progressive, effectively tied at $180 and $183. Travelers, which we list with a *, comes in lower in our table. For liability-only coverage, averages run from about $31 to $80 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, Bethlehem full coverage averages about $181 a month, about $24 a month less than Allentown ($205) for the same driver and car, and 11% below the Pennsylvania average.
In our data, 18020 has the lowest full-coverage average in Bethlehem, at about $178 a month, and 18015 and 18017 the highest, at about $182. The ZIP code table on this page lists all four.
In our Bethlehem data, full coverage (100/300/100 with $500 deductibles) averages about $181 a month and liability-only coverage at 15/30/5 limits about $52, a difference of about $129 a month ($1,547 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 Bethlehem 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 full coverage, for our benchmark driver. Comparing the same insurers and ZIP codes, Bethlehem full coverage fell 1.9% over the past nine months, from about $2,213 to $2,170 a year. State Farm cut its Bethlehem average 10.1% and Progressive 1.6%, while Allstate raised its average 2.5%. Liability-only coverage at 15/30/5 limits rose 0.5%.
For our benchmark driver, full coverage in Bethlehem averages about $181 a month. Nearby, Allentown averages about $205, Reading about $196 and Levittown about $226. Bethlehem is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
