Best Car Insurance in Allentown 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Allentown.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
March 29, 2021GMC Acadia SLT-11810225Nationwide$160/mo.$96/mo.
October 8, 2021Ford Fusion SE1810325Infinity$185/mo.$107/mo.
August 3, 2021Honda Civic LX1810235ClearCover$155/mo.$108/mo.
March 9, 2021Dodge Challenger R/T1810224Progressive$275/mo.$138/mo.
September 9, 2021Dodge Journey SXT1810233ClearCover$278/mo.$237/mo.
Here’s more information about what impacts the insurance rates in your Allentown.

How much does car insurance cost in Allentown?

*Car insurance in Allentown, Pennsylvania costs single-car drivers an average of $2,545 annually, or about $212 per month. Compared to the state annual average of $2,723, auto insurance in Allentown is $177 lower higher**.
Allentown’s busy atmosphere keeps drivers on the road and increases the chances of car accidents. The packed roads and relatively high crime rate can make it difficult to find affordable car insurance.
The car insurance comparison app Jerry simplifies the process by gathering quotes from up to 50 insurance providers in under a minute. And as a licensed broker, Jerry also handles the paperwork, manages any phone calls, and helps you cancel your old policy.
If you’re looking for car insurance in Allentown, here’s what you need to know.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Allentown$2,825$1,819$2,463$1,206$3,912$2,544
National Average$3,223$2,143$3,086$1,764$3,423$2,486
AllentownNational Average
All Coverage Before Jerry
$2,825$3,223
All Coverage After Jerry
$1,819$2,143
Minimum Coverage Before Jerry
$2,463$3,086
Minimum Coverage After Jerry
$1,206$1,764
Full Coverage Before Jerry
$3,912$3,423
Full Coverage After Jerry
$2,544$2,486
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Choosing a carrier in Allentown

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Pennsylvania has plenty of possible insurance carriers for drivers looking for coverage.
In Allentown, Nationwide and Erie are popular. GEICO also has many customers in the area, boasting good rates, lots of coverage options, and numerous discounts.
Your policy and premium will ultimately depend on your discount eligibility, demographics, driving history, and more. Jerry helps by quickly comparing rates to find the most affordable policy with the best coverage for you.
Here’s what drivers in Allentown paid with various insurance companies before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$2,437$1,333Compare Prices
Progressive$2,583$1,239Compare Prices
Safeco$2,547$550Compare Prices
Nationwide$1,737$388Compare Prices
Allstate$1,920$129Compare Prices
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What kind of car insurance you need in Allentown

In Allentown, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Allentown, drivers must demonstrate financial responsibility to hit the road with a car insurance policy that has at least the following:
Pennsylvania law also requires motorists to carry a minimum of $5,000 in medical benefits. This coverage pays any medical bills for you and others covered by your policy, even if you were not at fault in the accident.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Buying the minimum insurance coverage required is important, but liability doesn’t cover the cost of your car repairs in an at-fault accident. This can put a big strain on your wallet, which is why purchasing additional coverage is always a good idea.
Here are some recommended coverages for drivers in Allentown:
FactorRecommended coverageDescription
High populationAccident forgivenessAccident forgiveness prevents your insurance rates from skyrocketing after your first at-fault incident.
Possible collisionCollision insuranceThis covers any vehicle damages obtained in a collision with another car or other property.
Uninsured driversUninsured/underinsured motorist coverageThis policy covers property damage, medical bills, and more if you’re in an accident with an underinsured driver.
City streetsRoadside assistanceCity roads come with hills, twists, litter, and more. Get roadside assistance for when you need a tow truck, a tire change, another car key, a jumpstart, and more.
FloodingComprehensive coverageAllentown is subject to floods and severe storms. Comprehensive insurance pays for damage to your vehicle caused by natural disasters and other non-collision-related causes.

What determines your car insurance cost in Allentown

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Allentown, you could be paying as much as $54 more per month than an adult driver. These are average rates for Jerry customers in Allentown broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,442$1,349
21-24$3,159$1,084
25-34$2,880$1,077
35-44$2,199$794
45-54$1,641$451
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Allentown with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,780$979
Driving on Sus. License$4,627$2,371
Illegal Turn$2,904$916
Careless Driving$2,640$735
Speeding under 15$2,640$444
Other$4,944$2,946
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Where in Allentown you live

It may seem like insurance rates in Allentown should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Allentown, residents of 18106, 18103 and 18102 will have the most expensive car insurance rates, while people who live in 18101, 18104 and 18109 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Allentown:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
July 5, 202118104Subaru Forester 2.5XPA45Bristol West$220/mo.$96/mo.
October 8, 202118103Ford Fusion SEPA25Infinity$185/mo.$107/mo.
October 12, 202118102Honda Pilot EXPA24ClearCover$300/mo.$117/mo.
April 22, 202118103Hyundai Elantra GLSPA29Travelers$200/mo.$145/mo.
March 31, 202118102Dodge Charger SXTPA35Safeco$250/mo.$155/mo.
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Why is car insurance in Allentown so expensive?

A variety of considerations determine baseline car insurance rates in Allentown. Insurance companies often consider the following:

Crime rates

Allentown has a slightly higher crime rate than other cities. Areas where property damage is an issue tend to have higher insurance premiums.

Inclement weather

Pennsylvania isn’t new to natural disasters and Allentown experiences flooding and severe storms annually. Those conditions increase the chances of your car being damaged and you needing to file a claim.

No-fault state

Pennsylvania’s no-fault status means every driver must file a claim on their insurance when they’re in an accident. When there’s a high chance of you filing a claim, your rates go up.

How can you save money on car insurance in Allentown?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Allentown drivers often turn to discounts to save money on their car insurance. Some common discount options include:
DiscountDescription
Driver affiliationInsurance companies often have rate cuts for those involved in the military or a professional or academic organization.
Good studentStudents under 25 may get insurance discounts with proof of a high GPA.
Safe driving recordDrivers with a clean driving history will experience lower rates and may be eligible for discounts.
Customer loyaltyPurchasing multiple types of insurance from a single insurance provider—also known as bundling—can save you money on each policy.
UsageSome companies offer a telematics program that tracks your driving habits and rewards you with discounts for safe behaviors.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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