For a 40-year-old driver with a clean record, car insurance in Scranton, PA, averages about $184 a month ($2,204 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 10% 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 $132 a month.
Scranton comes in about 10% below the Pennsylvania average for full coverage, and a little above nearby Wilkes-Barre ($181) and Pittston ($173) in our data.
Use these averages as a benchmark when you compare car insurance quotes in Scranton, PA. Our seven Scranton ZIP codes are tightly bunched, so the insurer you pick moves your price far more than your address does.
Cost data comes from the auto rates insurers file with state regulators, priced across all seven Scranton 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 Scranton, PA, runs about $184 a month ($2,204 a year), and liability-only coverage at Pennsylvania’s 15/30/5 minimum runs $51 a month, based on rates insurers had filed as of Aug. 31, 2026. The Pennsylvania average is $204 a month, so that figure is 10% lower.
Erie has the lowest full-coverage average among the five insurers in our Scranton 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 $27 to $82 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 Scranton
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 | $319 | $27 | $1,589 | $132 |
| State Farm | $548 | $46 | $2,065 | $172 |
| GEICO | $619 | $52 | $2,349 | $196 |
| Progressive | $587 | $49 | $2,359 | $197 |
| Allstate | $986 | $82 | $2,658 | $222 |
| Travelers* | $396 | $33 | $1,426 | $119 |
| Nationwide* | $555 | $46 | $1,713 | $143 |
| Westfield Insurance* | $246 | $21 | $1,973 | $164 |
| USAA (military families)* | $507 | $42 | $2,144 | $179 |
| Scranton average | $612 | $51 | $2,204 | $184 |
This table uses Scranton 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 seven Scranton ZIP codes we price, full coverage for our driver ranges from about $177 a month in 18519 to $188 in 18505, a gap of $137 a year. No Scranton ZIP code we price is more than $7 a month from the city average of $184.
Lowest-priced Scranton ZIP codes
Highest-priced Scranton ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Scranton’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: |
|---|---|---|---|---|---|
| 18504 | $620 | $52 | $2,194 | $183 | -1% |
| 18505 | $615 | $51 | $2,259 | $188 | +2% |
| 18508 | $614 | $51 | $2,240 | $187 | +2% |
| 18509 | $605 | $50 | $2,196 | $183 | -1% |
| 18510 | $623 | $52 | $2,234 | $186 | +1% |
| 18512 | $603 | $50 | $2,182 | $182 | -1% |
| 18519 | $604 | $50 | $2,122 | $177 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $85 a year on average in our Scranton data, with the same $500 deductibles. That’s about $7 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. The $85 step is the third-largest among our 11 Pennsylvania city guides.
For our benchmark driver, full coverage isn’t going up. Comparing the same insurers in the same Scranton ZIP codes, full coverage averaged $2,244 a year nine months earlier and $2,204 in rates as of Aug. 31, 2026, a 1.8% drop. State Farm cut its Scranton average 9.9% and Progressive 1.5%, while Allstate raised its average 2.5%; Erie’s and GEICO’s averages were unchanged. Liability-only coverage at 15/30/5 limits rose 0.7%, led by Allstate, which raised its liability-only average 4.4%.
Winters in northeastern Pennsylvania bring snow and ice to the hills around Scranton, and I-81, I-84 and I-380 all run through the area, but the rates insurers file with state regulators here sit below the state average. Lackawanna County averages about $183 a month for full coverage in our data.
The real savings are between insurers. Erie’s Scranton average is about $90 a month below Allstate’s for the same driver and car, and State Farm, at about $172, is the only other major insurer we compared that averages under $190 here.
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 northeastern Pennsylvania, Wilkes-Barre averages about $181 a month in our data and Pittston $173. Hazleton comes in at about $189. Allentown, about 57 miles south, averages $205. For the statewide picture, see our guide to Pennsylvania car insurance rates.
Drivers in Scranton 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 $612 a year ($51 a month) in Scranton, compared with $641 statewide, and stepping up to 50/100/50 liability with comprehensive and collision brings the average to $2,119 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 Scranton, PA, costs about $184 a month ($2,204 a year) for full coverage and $51 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 10% below the Pennsylvania average of $204 a month.
Erie has the lowest full-coverage average among the five major insurers we compared in Scranton, at about $132 a month, followed by State Farm at $172. Travelers, which we list with a *, comes in lower in our table. For liability-only coverage, averages run from about $27 to $82 a month among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
It’s about the same. In our data, Scranton full coverage averages about $184 a month and Wilkes-Barre about $181, both below the Pennsylvania average of $204.
In our data, 18519 has the lowest full-coverage average in Scranton, at about $177 a month, and 18505 the highest, at about $188. The ZIP code table on this page lists all seven.
In our Scranton data, full coverage (100/300/100 with $500 deductibles) averages about $184 a month and liability-only coverage at 15/30/5 limits about $51, a difference of about $133 a month ($1,592 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 Scranton 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, Scranton full coverage fell 1.8% over the past nine months, from about $2,244 to $2,204 a year. State Farm cut its Scranton average 9.9% and Progressive 1.5%, while Allstate raised its average 2.5%. Liability-only coverage at 15/30/5 limits rose 0.7%.
For our benchmark driver, full coverage in Scranton averages about $184 a month. Nearby, Bethlehem averages about $181, Allentown about $205 and Reading about $196. Bethlehem is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
