In 2020, 51% all traffic accidents in Pennsylvania were in nine of the state’s 67 counties. Eight of these nine counties are located in the state’s southeast, which includes Lehigh County, where Allentown is situated. According to Bankrate’s 2021 study on annual premiums, the average cost of car insurance in Allentown is $480 for minimum coverage and $1497 for full coverage.
There are more than 9 million drivers licensed in Pennsylvania . This means that urban areas such as Allentown have higher car insurance costs. Pennsylvania analyzed the premiums, discounts, and customer service ratings of multiple insurance companies in Allentown to find the best car coverage.
The best car insurance companies Allentown
After weighing a variety of factors including coverages and third-party rankings, the best Allentown car insurance companies were determined. Quadrant Information Services gathered the average premiums for each company in 2021. These companies offer lower than average rates, with a wide range of coverages and discounts. They also have average or higher customer service scores.
Penn National is a regional insurance company that offers coverage in just 11 states on the East Coast. Penn National is not included on the J.D. Power auto studies. The regional insurer offers the lowest prices for full and state coverage. It was also awarded the 2020 Ward’s Superior Rating to improve claims customer service. Penn National offers a viable alternative for Allentown drivers, thanks to its optional coverages such as gap insurance, replacement cost coverage, and its PennPac protection package.
Allentown residents who choose Auto-Owners have the option to choose coverages such as new car replacement, rental vehicle coverage, gap insurance, gap insurance, and diminished value coverage. This covers you for any loss of value due to an accident. Auto-Owners offers a Plus Package with 10 additional coverages. This includes lock rekeying and cell phone replacement. J.D. ranks Auto-Owners third in customer satisfaction for auto claims and second for J.D. Power’s 2021 Insurance Digital Experience Study is now available.
Geico is the fifth largest insurer in Pennsylvania. This allows for lower rates and better policy quality. Geico provides this coverage for Allentown drivers, even though mechanical breakdown is not typically covered by car insurance. Pennsylvanian drivers rate Geico in fourth for overall customer satisfaction, and in the Digital Experience Study in first place.
Erie offers Allentown residents lower than average car insurance rates. However, the company also has a high rate of satisfaction with auto claims. Erie offers optional coverages such as pet injury coverage or travel expenses. You can also have your first accident forgiven if you go three years without filing a claim. Erie offers a rate lock option that will protect your rates from rising. This locks your rate in place unless you make changes to your policy.
State Farm is the most trusted car insurance company in Pennsylvania, and the entire country. It is also ranked first in customer satisfaction in the Mid-Atlantic and third for digital shopping experience. State Farm provides a comprehensive package of coverages and discounts that will help Allentown residents get the best car insurance rates. State Farm offers many benefits in Allentown, including discounts as high as 17% for bundling auto and home and up 30% in savings through the Drive Safe & Save Program.
Allentown has the lowest car insurance
The average car insurance cost for Allentown residents is lower than the national average at $1,674 annually. Rates for Allentown are slightly more expensive than those for the state Pennsylvania. They average $427 annually for minimum coverage and $1,476 each for full coverage. The table below lists the lowest car insurance rates in Allentown based on the average annual premium for each company.
These rates were calculated from the most popular carriers, based on market share. On average, Nationwide is the most affordable Allentown car insurance company. While the company is not ranked above-average in customer satisfaction in Mid-Atlantic, it ranks higher than average for claims satisfaction. Downloading the Nationwide Mobile App will give you proof of insurance and allow you to track claims, connect with roadside assistance, and more.
USAA provides the third-cheapest car insurance rates for past and current Allentown military personnel. USAA offers discounts for vehicle storage, military installation and length of membership. USAA membership is not eligible for the official J.D. because it has a limited membership. The USAA ranks highest in the Power study, but not for official J.D. Erie, Geico, and Auto-Owners do not require drivers to be eligible and offer the most affordable rates.
Insurance requirements for Allentown
Pennsylvania drivers must have minimum liability insurance in order to drive. Residents of Allentown should have liability limits at least:
- $15,000 per person to cover bodily injury liability
- $30,000 per accident to cover bodily injury liability
- $5,000 per accident in property damage liability
Pennsylvania is a no-fault state. This means that you must have $5,000 in health benefits coverage. This helps to pay for any injuries sustained by you or your passengers following an accident. Although it may be tempting to choose the cheapest auto insurance rates, most insurance professionals recommend that you purchase as much coverage as possible.
While liability insurance covers your financial assets in the event of an accident that results in injury or property damage to others, it does not cover your vehicle. Full coverage is required if you finance or lease your vehicle. This protection includes physical damage protection.
Discounts on car insurance in Allentown
- Defensive driving: If you are 55 years old or older, there are three approved defensive driving classes that could give you a discount on your car insurance.
- Multi-policy: Bundling multiple policies with one carrier can help you save money on Allentown car insurance.
- Affinity: Being a member of certain professional, personal, or school organizations can often lower the cost for car insurance.
- You can often take advantage of the safe driving discount if you have a clean driving record.
These are just some of the car insurance discounts available to Allentown drivers. Other discounts offered by Pennsylvania car insurance companies include being accident-free, receiving an advance quote, and paperless. The multi-policy discount is the best option for the greatest savings. Multi-car discounts may be available if you insure more than one vehicle in the same household.
Questions frequently asked
Which is the best auto insurance company?
You may need to get multiple quotes in order to compare costs, coverages, and discounts to find the best auto insurance company. You will find the right insurance company that offers the best rates and has a wide range of discounts. It is possible that the cheapest car insurance company is not the best. When comparing companies, consider third-party ratings and customer reviews.
What amount of car insurance do you need in Allentown
Talk to an agent if you’re not sure how much insurance you need in Allentown. It is a good idea to get as much liability coverage as possible and to review any optional coverages to determine which are worth adding to your policy. To get the best coverage at the lowest rates, consider the discounts available.
What is the cost of car insurance in Allentown?
According to Bankrate, the average cost for car insurance in Allentown was $480 per annum for minimum coverage and $1,497 per year for full coverage. Rates may vary depending on how you drive, your household driving information, what type of car and what coverage you choose. Multiple quotes will help you determine how much you can afford based on your household and personal factors.