Harrisburg, PA Car Insurance

The average cost for car insurance in Harrisburg is about $54 a month. For more information refer to our guide below.
What rates should residents of Harrisburg expect to pay for their car insurance? Are rates in Harrisburg higher or lower than those in neighboring areas? How do they compare to the rest of Pennsylvania? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Harrisburg?

Area Average Monthly Car Insurance Premium
Harrisburg$54
PA$71
United States$79

Based on the chart above, it costs around $17 less to insure your vehicle in Harrisburg as it does the rest of the commonwealth.

Compared to the national average cost of auto coverage, Harrisburg has lower rates. On average, it's about $25 less to insure your vehicle in Harrisburg than it is in the rest of the U.S.

These rates may be the average amount residents of Harrisburg pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Harrisburg residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$80
25-34$53
35-44$48
45-54$47
55-64$41
65+$44

It's pretty safe to assume that the older you are, the more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay almost twice as much as drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to creep back up a bit.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$55

On average, female drivers pay slightly less than male drivers for car insurance. In Harrisburg, however, men actually pay slightly less than female drivers for auto insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$64
1 Ticket$58
Multiple Tickets$70

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Harrisburg, drivers with one accident on their record will experience rates around $58 a month. In addition, drivers with a single ticket on their record can expect to pay around $62 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$39
2-3 Years$53
4-5 Years$62
6-7 Years$47
8-10 Years$57
11-14 Years$53
15 Years or Older$54

If you look at the first table above, the cheapest vehicles to insure in Harrisburg are usually SUVs.

Monthly premiums for SUV owners cost about $51 on average, while the rates for car owners are around $55.

Truck and van drivers in Harrisburg can expect to pay about $56 per month for coverage.

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$46
Divorced$54
Widowed$45

More often than not, those who are currently married will pay slightly less for their car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

This difference boils down to about $9 in monthly savings for drivers in Harrisburg.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$55
Live with parents$70

One other element taken into consideration is your housing situation. If you rent your home or apartment in Harrisburg, expect to pay around $4 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Harrisburg, PA

Recent trends in car insurance for Harrisburg drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding before shopping for coverage.

The cost of auto coverage in Harrisburg rose from 2016-2017, before leveling out in 2018. Rates finished down in 2021, at $46 a month

How does Harrisburg compare to neighboring areas?

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

Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Rate of crime
  • Community regulations
  • Total number of drivers in the region
  • Frequency of car accidents
  • Amount of off-street parking

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Harrisburg.

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Harrisburg Insurance FAQs

What factors affect car insurance quotes in Harrisburg?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Local laws, crime rates, and parking situations -- 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?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Harrisburg?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Harrisburg or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes