Table of contents
How much is car insurance in Allentown?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Allentown are about $5 a month cheaper than rates across the rest of Pennsylvania.
Compared to the rest of the country, auto insurance in Allentown is more affordable. The average monthly payment in Allentown is about $13 cheaper than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Allentown, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Allentown residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay one and a half times as much as drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Allentown, where male drivers pay about $4 more a month. As illustrated in the table above, female drivers in the area pay about $64 on average, while male drivers pay around $68 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Allentown, a driving record with one accident will usually get you a rate around $79 a month. Likewise, drivers with one ticket will be looking at a rate of around $89 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$61|
The most affordable vehicles to insure in Allentown are for the most part SUVs.
Car owners can expect to pay an average of around $68 a month for their policy, while drivers with SUVs will usually see rates around $58 to insure each month.
On the other hand, truck and van drivers typically pay around $66.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Overall, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Allentown, however, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, those who are currently married will pay slightly less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
Married drivers in Allentown pay about $10 a month less than those who are single when it comes to their car insurance.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor taken into consideration is your living situation. In Allentown, homeowners can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Allentown, PA
Recent trends in car insurance for Allentown drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The cost of insurance in Allentown had been decreasing from 2016-2019, before leveling out in 2020. Insurance rates finished down in 2021, at $65 per month
How does Allentown compare to neighboring areas?
Why are car insurance rates in Allentown different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Road Safety (how many accidents each locality has)
- Total number of drivers
- Community laws
- Area crime rates
- Availability of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Allentown?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Allentown.
Allentown Insurance FAQs
What factors affect car insurance quotes in Allentown?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Allentown different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Allentown?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Allentown?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Allentown or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.