Allentown Car Insurance Cost – 2025 Averages + Cheapest Rates in PA

• Allentown car insurance rates average $2,406 per year for full coverage, or approximately $201 per month.
• Compact models like the Nissan Kicks, Kia Soul, Toyota Corolla Cross, and Volkswagen Tiguan are the best choices for cheap car insurance in Allentown.
• Car insurance quotes in Allentown can range significantly from as little as $37 per month for minimum liability insurance to well over $692 per month drivers with many accidents and violations.

How much does car insurance cost in Allentown?

The average car insurance expense in Allentown is $2,406 per year, which is 8% more than the overall national average rate of $2,221. Car insurance in Allentown per month costs approximately $201 per month for full coverage auto insurance.

The cost of insurance in Allentown compared to other Pennsylvania locations is approximately $1,052 per year less than in Philadelphia, $76 per year more expensive than in Pittsburgh, and $30 per year more than in Reading.

The chart below goes into more detail for drivers age 20 to 60 by showing a range of rates based on different driver ages and policy risk profiles.

Average rates in the chart range from $1,998 per year for a 40-year-old driver with many policy discounts to $5,530 per year for a 20-year-old driver with too many driving violations or at-fault accidents. The rate used in this article for comparison of different models and locations is the 40-year-old safe driver rate, which has an average cost of $2,406 per year.

As a monthly price, the average cost to insure a vehicle in Allentown ranges from $167 to $461 for the risk profiles shown in the chart above.

Allentown auto insurance rates are extremely variable and are impacted by many different factors. The possibility of a wide range of rates reinforces the need for accurate free car insurance quotes when searching online for the cheapest auto insurance policy.

The age of the rated driver is one of the largest factors in the cost of car insurance. The list below illustrates this point by showing average car insurance rates for driver ages from 16 to 60.

Average cost of car insurance in Allentown, Pennsylvania, for drivers age 16 to 60

• 16 year old – $8,567 per year or $714 per month
• 17 year old – $8,298 per year or $692 per month
• 18 year old – $7,438 per year or $620 per month
• 19 year old – $6,773 per year or $564 per month
• 20 year old – $4,840 per year or $403 per month
• 30 year old – $2,566 per year or $214 per month
• 40 year old – $2,406 per year or $201 per month
• 50 year old – $2,130 per year or $178 per month
• 60 year old – $1,994 per year or $166 per month

The rates in the list above that detailed the cost to insure teen drivers used a male as the rated driver. The next chart goes into more detail for teenage car insurance rates and separates average car insurance cost for teenagers by gender. Female drivers tend to have cheaper car insurance rates, in particular in the teen years.

Auto insurance for a female 16-year-old driver in Allentown costs an average of $565 less than male drivers each year, while at age 19, the cost difference is less but females still cost $1,047 less per year.

The models that sell well in Allentown tend to be compact and midsize cars like the Nissan Sentra and Honda Accord and small or midsize SUVs like the Honda CR-V and Toyota Highlander.

Additional popular vehicles from other segments include luxury SUVs like the Lexus RX 350, Infiniti QX60, and Cadillac XT5, luxury cars like the Infiniti Q50, BMW 530i, and Acura ILX, and pickup trucks like the Ram 1500, Ford F-150, and Chevy Silverado.

We will cover different rates in much more detail in a bit, but before we get into that, let’s review in a nutshell some of the general concepts that were discussed up to this point.

• Auto insurance is generally cheaper the older you are – Average rates for a 40-year-old driver in Allentown are $2,434 per year cheaper than for a 20-year-old driver.
• Insurance for teens can cost a lot – Average cost ranges from $5,726 to $8,567 per year for teenage driver insurance in Allentown.
• Allentown car insurance prices are cheaper than the Pennsylvania state average – $2,406 (Allentown average) versus $2,406 (Pennsylvania average)
• Allentown, PA, car insurance costs more than the U.S. average – $2,406 (Allentown average) versus $2,221 (U.S. average)
• Insurance rates fall substantially from age 20 to 30 – The average 30-year-old Allentown, PA, driver will pay $2,274 less each year than a 20-year-old driver, $2,566 versus $4,840.
• Low deductibles cost more than high deductibles – A 20-year-old driver pays an average of $1,292 more per year for $250 deductibles compared to $1,000 deductibles.
• Teen female drivers pay cheaper rates than teen males – Female drivers age 16 to 19 pay $1,047 to $565 less annually than male drivers of the same age.

Which vehicles are cheapest to insure?

When all vehicles are compared, the models with the lowest cost average insurance rates in Allentown tend to be compact SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, Nissan Kicks, and Toyota Corolla Cross.

Average auto insurance rates for those models cost $2,092 or less per year ($174 per month) for a full coverage policy.

Other vehicles that have affordable car insurance prices in our auto insurance cost comparison are the Volkswagen Taos, Nissan Murano, Volkswagen Tiguan, and Honda CR-V. Average car insurance rates are marginally higher for those models than the cheapest crossovers and small SUVs at the top of the list, but they still have an average cost of $2,242 or less per year ($187 per month) in Allentown.

The next table ranks the 25 car, truck, and SUV models with the cheapest auto insurance in Allentown, ordered by annual cost.

A table of 25 vehicles with the cheapest insurance in Allentown is probably not the best way to present an overall view of the cost of auto insurance in Allentown. Due to the fact that we track over 700 vehicles, a ton of models get left out.

So let’s take a different approach and break out the most affordable vehicles in a format that makes more sense. The sections below rank the top 20 vehicles with the lowest cost insurance rates in Allentown for each of the main vehicle segments.

Cheapest car insurance rates in Allentown

The Toyota GR Corolla ranks #1 as the most affordable sedan or hatchback to insure in Allentown, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model costs an average of $2,090 per year for a policy with full coverage.

Other models that have cheaper rates are the Honda Accord, Toyota Corolla, Kia K5, and Chevrolet Malibu, with average rates of $2,342 per year or less.

On a monthly basis, full-coverage car insurance on this segment in Allentown for a good driver will start around $174 per month, depending on the company and your location. The table below ranks the twenty cars with the lowest-cost insurance in Allentown.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see your car in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Allentown car insurance quotes from top-rated companies in Pennsylvania.

Cheapest SUV insurance rates in Allentown

The four cheapest SUVs to insure in Allentown are the Subaru Crosstrek at $1,776 per year, Chevrolet Trailblazer at $1,806 per year, Kia Soul at $1,876 per year, and Nissan Kicks at $1,894 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the Ford Bronco Sport, Mazda CX-5, Toyota Corolla Cross, and Buick Envision, with average annual insurance rates of $1,970 per year or less.

Some additional models that make the list include the Volkswagen Taos, Subaru Outback, Buick Envista, Kia Niro, and Honda CR-V, which average between $1,970 and $2,092 to insure per year.

Full-coverage auto insurance in this segment for the average driver starts at around $148 per month, depending on your location.

The cheapest compact SUV to insure in Allentown is the Subaru Crosstrek at $1,776 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,914 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the best rates at $2,258 per year.

The comparison table below ranks the twenty SUVs with the cheapest average car insurance rates in Allentown, starting with the Subaru Crosstrek at $1,776 per year and ending with the Subaru Ascent at $2,092 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV not in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Allentown car insurance quotes from top-rated car insurance companies in Pennsylvania.

Cheapest pickup truck insurance rates

Ranking at the top for the most affordable Allentown auto insurance rates in the pickup segment are the Ford Ranger, Chevrolet Colorado, Nissan Titan, Nissan Frontier, and Ford Maverick. Rates for these 2024 models average $2,330 or less per year.

Additional models that rank well are the Honda Ridgeline, Toyota Tacoma, GMC Canyon, and GMC Sierra 2500 HD, with average annual insurance rates of $2,474 per year or less.

From a cost per month standpoint, car insurance in this segment for the average driver can cost as low as $176 per month, depending on the company and your location. The next table ranks the pickups with the cheapest average car insurance rates in Allentown, starting with the Chevrolet Colorado at $176 per month and ending with the Ram Truck at $232 per month.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup model? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Pennsylvania.

Cheapest luxury car insurance rates

The three top-ranked luxury car models with the lowest-cost average insurance rates in Allentown are the Acura Integra at $2,136 per year, the BMW 330i at $2,446 per year, and the Mercedes-Benz CLA250 at $2,474 per year.

Additional luxury cars that rank well in our comparison include the Genesis G70, Lexus ES 350, Mercedes-Benz AMG CLA35, and Cadillac CT4, with average rates of $2,528 per year or less.

Auto insurance in Allentown for this segment for a safe driver starts at an average of $178 per month, depending on the company and your location.

The comparison table below ranks the twenty luxury cars with the lowest-cost average insurance rates in Allentown.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Allentown car insurance quotes from top companies in Pennsylvania.

Cheapest luxury SUVs to insure in Allentown

The #1 ranking in Allentown for cheapest auto insurance rates in the luxury SUV segment is the Acura RDX, at an average of $2,010 per year. Second place is the Lexus NX 250 costing $2,130 per year, and third place goes to the Cadillac XT4, costing an average of $2,170 per year.

Some other luxury SUVs that have affordable insurance rates are the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus NX 450h, and Lincoln Corsair, with average insurance cost of $2,318 per year or less.

In the lower half of the top 20 luxury SUVs to insure, SUVs like the Mercedes-Benz GLA35 AMG, Mercedes-Benz GLA250, Cadillac XT6, Infiniti QX50, and Acura MDX average between $2,318 and $2,414 per year to insure in Allentown.

As a cost per month, full-coverage car insurance in Allentown on this segment for a middle-age safe driver will start around $168 per month, depending on where you live and the company you use.

If rates are ranked by vehicle size, the most affordable compact luxury SUV to insure in Allentown is the Acura RDX at $2,010 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,250 per year. And for full-size luxury models, the Infiniti QX80 is cheapest to insure at $2,694 per year.

The rate comparison table below ranks the SUVs with the cheapest average auto insurance rates in Allentown, starting with the Acura RDX at $2,010 per year ($168 per month) and ending with the Lexus RX 350 at $2,414 per year ($201 per month).

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Need rates for a different luxury SUV? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Pennsylvania.

Cheapest sports car insurance rates

Out of all 2024 models, the top five most affordable sports cars to insure in Allentown are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Insurance rates for these five cars range from $2,224 to $2,696 per year.

Other models that are affordable to insure are the Toyota GR Supra, Lexus RC F, BMW M2, and Subaru BRZ, with average cost of $2,876 per year or less.

Additional cars worth mentioning include the Porsche Taycan, Porsche 718, Porsche 911, and Lexus LC 500, which cost between $2,876 and $4,074 per year for full-coverage insurance.

Full-coverage insurance for this segment in Allentown for an average middle-age driver starts at an average of $185 per month, depending on where you live.

The comparison table below ranks the twenty sports cars with the cheapest car insurance rates in Allentown, starting with the Mazda MX-5 Miata at $2,224 per year ($185 per month) and ending with the Porsche Taycan at $4,074 per year ($340 per month).

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Allentown.

Price variation for driver risk

In order to reinforce the amount car insurance premiums can range from one driver to the next, the sections below have many different rates for three popular vehicles in Allentown: the Ford F150, Nissan Sentra, and Honda CR-V.

Each vehicle example uses a variety of risk profiles to illustrate how rates can vary with only minor changes in the driver profile.

Ford F150 insurance rates

In Allentown, Ford F150 insurance averages $2,690 per year ($224 per month) and has a range of $2,230 to $6,212 annually for the specific drivers in the rate chart shown below.

The Ford F150 belongs to the full-size truck segment, and other similar models from the same segment include the GMC Sierra, Ram Truck, Chevrolet Silverado, and Nissan Titan.

Nissan Sentra insurance rates

In Allentown, Nissan Sentra insurance costs an average of $2,202 per year, or around $184 per month, and varies from $1,830 to $5,008 annually.

The Nissan Sentra is part of the compact car segment, and other popular models include the Toyota Corolla, Hyundai Elantra, and Volkswagen Jetta.

Honda CR-V insurance rates

Honda CR-V insurance in Allentown costs an average of $2,050 per year, or around $171 per month, and ranges from $1,704 to $4,714 annually.

The Honda CR-V is classified as a compact SUV, and other models in that segment include the Toyota RAV4, Nissan Rogue, Subaru Forester, and Ford Escape.

Tips for finding cheap Allentown, PA, car insurance

Financially savvy drivers should always be searching for ways to reduce the monthly expense for insurance So study the money-saving ideas in this next list and see if you can save some money the next time you need to insure a vehicle.

• Choose vehicles that have cheaper insurance. The vehicle you drive is one of the primary factors in the cost of car insurance. As an example, a Hyundai Kona costs $524 less per year to insure in Allentown than a Nissan 370Z. Lower performance vehicles cost less to insure.
• Research policy discounts to save money. Discounts may be available if the insureds are accident-free, drive low annual mileage, sign their policy early, insure multiple vehicles on the same policy, or many other policy discounts which could save the average Allentown driver as much as $408 per year on car insurance.
• Reduce coverage on older vehicles. Deleting comprehensive and collision coverage from older vehicles will cut the cost of auto insurance considerably.
• Shop around often. Taking a few minutes to get free car insurance quotes is the best recommendation for saving money. Rates are always changing and you can switch companies very easily.
• Compare car insurance quote before buying a car. Different cars, trucks, and SUVs have very different costs for insurance, and car insurance companies can charge a wide range of costs. Get quotes to compare the cost of insurance before you buy a different car in order to avoid price shock when you get the bill.
• Your occupation could reduce your rates. Most car insurance companies offer policy discounts for being employed in occupations like scientists, emergency medical technicians, members of the military, accountants, firefighters, nurses, and others. Obtaining this discount could potentially save between $72 and $234 on your car insurance bill, depending on your policy.
• Credit score can influence insurance rates. Having a good credit rating over 800 may save $378 per year versus a good credit rating of 670-739. Conversely, a lower credit rating could cost around $438 more per year. Not all states use credit score as a rating factor, so check with your agent or company.