For a 40-year-old driver with a clean record, car insurance in Harrisburg, PA, averages about $170 a month ($2,037 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 17% under Pennsylvania’s $204 monthly average. Erie has the lowest full-coverage average among the five major insurers we compared (Allstate, Erie, GEICO, Progressive and State Farm), at about $124 a month.
Harrisburg, the state capital, is one of the least expensive larger Pennsylvania cities for car insurance. Full coverage for our benchmark driver runs about 17% below the state average and about $199 a month less than in Philadelphia.
Our eight ZIP codes cover the city and nearby communities with a Harrisburg mailing address, so use these averages as a starting point when you compare car insurance quotes in Harrisburg.
Cost data comes from the auto rates insurers file with state regulators, priced across all eight Harrisburg 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 Harrisburg, PA, runs about $170 a month ($2,037 a year), and liability-only coverage at Pennsylvania’s 15/30/5 minimum runs $47 a month, based on rates insurers had filed as of Aug. 31, 2026. The Pennsylvania average is $204 a month, so that figure is 17% lower.
Erie has the lowest full-coverage average among the five insurers in our Harrisburg 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 $25 to $77 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 Harrisburg
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 | $295 | $25 | $1,482 | $124 |
| State Farm | $545 | $45 | $2,082 | $174 |
| GEICO | $543 | $45 | $2,106 | $176 |
| Progressive | $508 | $42 | $2,181 | $182 |
| Allstate | $925 | $77 | $2,336 | $195 |
| Travelers* | $368 | $31 | $1,347 | $112 |
| Nationwide* | $516 | $43 | $1,618 | $135 |
| Westfield Insurance* | $229 | $19 | $1,864 | $155 |
| USAA (military families)* | $472 | $39 | $2,025 | $169 |
| Harrisburg average | $563 | $47 | $2,037 | $170 |
This table uses Harrisburg 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 eight Harrisburg ZIP codes we price, full coverage for our driver ranges from about $159 a month in 17112 to $182 in 17103, a gap of $272 a year. The city ZIP codes 17102, 17103 and 17104 are the priciest in our data, while suburban Harrisburg-address ZIP codes such as 17112 and 17111 are the cheapest. Even the priciest Harrisburg ZIP code in our data is below the state average.
Lowest-priced Harrisburg ZIP codes
Highest-priced Harrisburg ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Harrisburg’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: |
|---|---|---|---|---|---|
| 17102 | $575 | $48 | $2,138 | $178 | +5% |
| 17103 | $589 | $49 | $2,184 | $182 | +7% |
| 17104 | $589 | $49 | $2,140 | $178 | +5% |
| 17109 | $562 | $47 | $1,974 | $165 | -3% |
| 17110 | $544 | $45 | $2,032 | $169 | -1% |
| 17111 | $556 | $46 | $1,942 | $162 | -5% |
| 17112 | $531 | $44 | $1,912 | $159 | -6% |
| 17113 | $556 | $46 | $1,975 | $165 | -3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $49 a year on average in our Harrisburg data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it 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. If you commute on the interstates around the capital, higher limits are cheap protection if you cause a serious highway crash.
Not for our benchmark driver. Comparing the same insurers in the same Harrisburg ZIP codes, full coverage averaged $2,082 a year nine months earlier and $2,037 in rates as of Aug. 31, 2026, a 2.2% drop. State Farm cut its Harrisburg average 10.3% and Progressive 1.7%, while Allstate raised its average 2.5%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.4%, led by Allstate, which raised its liability-only average 4.5%.
Harrisburg sits where I-81, I-83 and the Pennsylvania Turnpike meet, yet its rates stay well below the state average. Dauphin County as a whole averages about $167 a month for full coverage in our data, the 11th-least expensive of the 63 counties we price.
The company you choose matters more than the neighborhood. Every Harrisburg ZIP code we price is within about $12 a month of the city average, but Erie’s average is about $71 a month below Allstate’s, and Erie’s 29% lead over State Farm is the second-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.
Nearby, Mechanicsburg averages about $153 a month for full coverage in our data and Carlisle $152, the two lowest of the 31 Pennsylvania cities with two or more ZIP codes in our data. Elsewhere in Dauphin County, Hershey averages about $153 a month and Middletown $157. York, about 23 miles south, and Lancaster, about 35 miles southeast, come in at about $170, the same as Harrisburg. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in Harrisburg 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 $563 a year ($47 a month) in Harrisburg, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $1,988 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 Harrisburg, PA, costs about $170 a month ($2,037 a year) for full coverage and $47 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 17% below the Pennsylvania average of $204 a month.
Erie has the lowest full-coverage average among the five major insurers we compared in Harrisburg, at about $124 a month, followed by State Farm and GEICO, effectively tied at $174 and $176. Travelers, which we list with a *, comes in lower in our table. USAA, which sells only to military families, averages about $169 a month. For liability-only coverage, averages run from about $25 to $77 a month among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
Compared with the rest of Pennsylvania, yes. In our data, Harrisburg full coverage averages about $170 a month, 17% below the Pennsylvania average of $204 and about $199 a month less than Philadelphia.
In our data, 17112 has the lowest full-coverage average in Harrisburg, at about $159 a month, and 17103 the highest, at about $182. The ZIP code table on this page lists all eight.
In our Harrisburg data, full coverage (100/300/100 with $500 deductibles) averages about $170 a month and liability-only coverage at 15/30/5 limits about $47, a difference of about $123 a month ($1,474 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 Harrisburg 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, Harrisburg full coverage fell 2.2% over the past nine months, from about $2,082 to $2,037 a year. State Farm cut its Harrisburg average 10.3% and Progressive 1.7%, while Allstate raised its average 2.5%. Liability-only coverage at 15/30/5 limits rose 0.4%.
For our benchmark driver, full coverage in Harrisburg averages about $170 a month. Nearby, York averages about $170, Lancaster about $170 and Reading about $196. York is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
