Allentown Car Insurance Cost – 2024 Averages + Cheapest Rates in PA

• Allentown car insurance rates average $1,842 per year for full coverage, or approximately $154 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 $1,842 per year, which is 2.2% less than the overall national average rate of $1,883. Car insurance in Allentown per month costs approximately $154 per month for full coverage auto insurance.

The cost of insurance in Allentown compared to other Pennsylvania locations is approximately $1,048 per year less than in Philadelphia, $76 per year more expensive than in Pittsburgh, and $32 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 $1,526 per year for a 40-year-old driver with many policy discounts to $4,230 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 $1,842 per year.

As a monthly price, the average cost to insure a vehicle in Allentown ranges from $127 to $353 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 – $6,549 per year or $546 per month
• 17 year old – $6,342 per year or $529 per month
• 18 year old – $5,686 per year or $474 per month
• 19 year old – $5,178 per year or $432 per month
• 20 year old – $3,698 per year or $308 per month
• 30 year old – $1,960 per year or $163 per month
• 40 year old – $1,842 per year or $154 per month
• 50 year old – $1,630 per year or $136 per month
• 60 year old – $1,528 per year or $127 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 $432 less than male drivers each year, while at age 19, the cost difference is less but females still cost $799 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 $1,856 per year cheaper than for a 20-year-old driver.
• Insurance for teens can cost a lot – Average cost ranges from $4,379 to $6,549 per year for teenage driver insurance in Allentown.
• Allentown car insurance prices are cheaper than the Pennsylvania state average – $1,842 (Allentown average) versus $1,842 (Pennsylvania average)
• Allentown, PA, car insurance costs less than the U.S. average – $1,842 (Allentown average) versus $1,883 (U.S. average)
• Insurance rates fall substantially from age 20 to 30 – The average 30-year-old Allentown, PA, driver will pay $1,738 less each year than a 20-year-old driver, $1,960 versus $3,698.
• Low deductibles cost more than high deductibles – A 20-year-old driver pays an average of $984 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 $799 to $432 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 $1,599 or less per year ($133 per month) for a full coverage policy.

Other vehicles that have affordable car insurance prices in our auto insurance cost comparison are the Chevrolet Colorado, 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 $1,690 or less per year ($141 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 $1,598 per year for a policy with full coverage.

Other models that have cheaper rates are the Kia K5, Chevrolet Malibu, Toyota Prius, and Honda Accord, with average rates of $1,782 per year or less.

On a monthly basis, full-coverage car insurance on this segment in Allentown for a good driver will start around $133 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 $1,358 per year, Chevrolet Trailblazer at $1,382 per year, Kia Soul at $1,434 per year, and Nissan Kicks at $1,450 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 $1,508 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 $1,508 and $1,598 to insure per year.

Full-coverage auto insurance in this segment for the average driver starts at around $113 per month, depending on your location.

The cheapest compact SUV to insure in Allentown is the Subaru Crosstrek at $1,358 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,466 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the best rates at $1,728 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 $1,358 per year and ending with the Honda HR-V at $1,598 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 $1,784 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 $1,892 per year or less.

From a cost per month standpoint, car insurance in this segment for the average driver can cost as low as $131 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 $131 per month and ending with the Ram Truck at $177 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 $1,634 per year, the BMW 330i at $1,872 per year, and the Mercedes-Benz CLA250 at $1,892 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 $1,934 per year or less.

Auto insurance in Allentown for this segment for a safe driver starts at an average of $136 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 $1,538 per year. Second place is the Lexus NX 250 costing $1,628 per year, and third place goes to the Cadillac XT4, costing an average of $1,660 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 $1,774 per year or less.

In the lower half of the top 20 luxury SUVs to insure, SUVs like the Cadillac XT6, Mercedes-Benz GLA250, Mercedes-Benz GLA35 AMG, Infiniti QX50, and Land Rover Evoque average between $1,774 and $1,844 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 $128 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 $1,538 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $1,718 per year. And for full-size luxury models, the Infiniti QX80 is cheapest to insure at $2,062 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 $1,538 per year ($128 per month) and ending with the Lexus NX 350 at $1,844 per year ($154 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 $1,702 to $2,062 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 $2,196 per year or less.

Additional cars worth mentioning include the Porsche Taycan, Porsche 718, Porsche 911, and Lexus LC 500, which cost between $2,196 and $3,114 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 $142 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 $1,702 per year ($142 per month) and ending with the Porsche Taycan at $3,114 per year ($260 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 $2,060 per year ($172 per month) and has a range of $1,706 to $4,752 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 $1,686 per year, or around $141 per month, and varies from $1,398 to $3,828 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 $1,568 per year, or around $131 per month, and ranges from $1,306 to $3,602 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 $400 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 $316 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 $55 and $179 on your car insurance bill, depending on your policy.
• Credit score can influence insurance rates. Having a good credit rating over 800 may save $289 per year versus a good credit rating of 670-739. Conversely, a lower credit rating could cost around $335 more per year. Not all states use credit score as a rating factor, so check with your agent or company.