Harrisburg, PA Car Insurance

On average, Harrisburg drivers pay around $54 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Are rates in Harrisburg higher or lower than those in neighboring areas? How do they compare to the rest of Pennsylvania? What should residents of Harrisburg expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Harrisburg?

Area Average Monthly Car Insurance Premium
Harrisburg$54
PA$71
United States$81

Based on the above chart, auto insurance policies in Harrisburg are about $17 a month cheaper than in the rest of Pennsylvania.

Likewise, when compared to the national average, the cost for auto insurance in Harrisburg is lower. It's about $27 cheaper than the national average to insure your vehicle in Harrisburg.

While these are the average monthly costs for auto insurance coverage in Harrisburg, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't sweat it however, we've broken down the average rate for Harrisburg residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$82
25-34$53
35-44$49
45-54Not Enough Data
55-64$40
65+$45

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates begin to increase again once you hit retirement age in Harrisburg.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$53

On average, female drivers pay slightly less than male drivers for car insurance. In Harrisburg, however, the difference in the monthly cost of coverage is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$64
1 Ticket$65
Multiple Tickets$67

Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Harrisburg with one accident will pay around $66 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $65 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$54
4-5 Years$62
6-7 Years$55
8-10 Years$57
11-14 Years$53
15 Years or Older$52

According to the first table above, the cheapest vehicles to insure in Harrisburg are typically SUVs, at $50 per month.

Truck and van drivers will see rates of about $53, while the rates for car owners average out to about $56 per month.

The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Harrisburg, the most expensive vehicles to insure are vehicles four-to-five years old.

Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is closer to 5 years old, however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Harrisburg, for example, are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$55
Married$45
Divorced$53
Widowed$45

Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Harrisburg is no exception, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$55
Live with parents$62

Your housing status is another factor that affects your monthly rate. Those who own their own home in Harrisburg can expect to pay around $5 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Harrisburg, PA

Recent trends in car insurance for Harrisburg drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

The rates for auto insurance in Harrisburg decreased from 2017-2018, before steadying out in 2019. They finished up in 2022, at $56 a month

How does Harrisburg compare to neighboring areas?

Why are car insurance rates in Harrisburg different from other areas?

Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Frequency of car accidents
  • Total amount of drivers in the community
  • Area laws
  • Crime levels
  • Availability of off-street parking

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Harrisburg?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Harrisburg.

Compare the cheapest quotes from dozens of insurance companies

Harrisburg Insurance FAQs

What factors affect car insurance quotes in Harrisburg?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Harrisburg different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Harrisburg?

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 Harrisburg?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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 Harrisburg 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.

Find your best rate in just a few minutes