Cheapest Auto Insurance in Bethlehem, PA – Rates for 2022

Affordable car insurance can be hard to find, but we make it easy by ranking the top 50 cheapest cars to insure in Bethlehem, Pennsylvania.

Start QuoteCompare Bethlehem car insurance rates and save on your next policy.

  • For the cheapest auto insurance in Bethlehem, Pennsylvania, small SUVs like the Chevrolet Trailblazer, Nissan Kicks, Buick Encore, and Mazda CX-5 cost less to insure than most other vehicles.
  • Bethlehem car insurance averages $1,394 per year for a full coverage policy, or about $116 on a monthly basis
  • Monthly auto insurance rates for a few popular models in Bethlehem include the Ford Escape at $115, Toyota Highlander at $117, and Honda CR-V at $102.
  • Bethlehem car insurance costs $112 per year more than the Pennsylvania state average but $173 per year less than the average rate for all 50 U.S. states.

Cheapest cars to insure in Bethlehem

The models with the lowest cost average auto insurance rates in Bethlehem tend to be compact SUVs like the Mazda CX-5, Chevrolet Trailblazer, Nissan Rogue Sport, and Toyota C-HR.

Average insurance prices for models ranked in the top 10 cost $1,184 or less per year, or $99 per month, to get full coverage in Bethlehem.

Examples of other vehicles that are in the top 20 in our overall cost comparison are the Toyota Corolla Cross, Hyundai Venue, Mazda MX-5 Miata, and Subaru Ascent. Average cost is a little higher for those models than the crossovers and small SUVs that rank near the top, but they still have an average cost of $1,212 or less per year, or $101 per month.

The table below ranks the 50 car, truck, and SUV models with the cheapest auto insurance in Bethlehem, ordered starting with the cheapest.

Top 50 Cheapest Automobiles to Insure in Bethlehem, Pennsylvania
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,062$89
2Nissan Kicks$1,088$91
3Chevrolet Trailblazer$1,094$91
4Honda Passport$1,122$94
5Subaru Crosstrek$1,122$94
6Toyota C-HR$1,148$96
7Chevrolet Colorado$1,150$96
8Buick Encore$1,154$96
9Nissan Rogue Sport$1,162$97
10Hyundai Venue$1,184$99
11Buick Envision$1,188$99
12Kia Seltos$1,188$99
13Ford Maverick$1,194$100
14Acura RDX$1,196$100
15Subaru Ascent$1,196$100
16Toyota Corolla Cross$1,196$100
17Hyundai Kona$1,204$100
18Subaru Forester$1,208$101
19Mazda MX-5 Miata$1,210$101
20Subaru Impreza$1,210$101
21Volkswagen Tiguan$1,212$101
22Chevrolet Spark$1,218$102
23Honda CR-V$1,222$102
24Cadillac XT4$1,226$102
25Mazda CX-30$1,234$103
26Ford Ranger$1,240$103
27Honda HR-V$1,256$105
28Ford Edge$1,258$105
29Ford Ecosport$1,264$105
30Chevrolet Trax$1,280$107
31Subaru Outback$1,280$107
32Acura ILX$1,284$107
33GMC Terrain$1,284$107
34Mitsubishi Eclipse Cross$1,288$107
35Hyundai Tucson$1,296$108
36Nissan Murano$1,296$108
37Toyota Tacoma$1,296$108
38Chevrolet Bolt$1,300$108
39Honda Odyssey$1,300$108
40Chevrolet Equinox$1,304$109
41Toyota Venza$1,304$109
42Volkswagen Taos$1,308$109
43Ford Explorer$1,312$109
44Fiat 500X$1,314$110
45Toyota RAV4$1,316$110
46Kia Sorento$1,320$110
47Kia Soul$1,322$110
48Nissan Frontier$1,330$111
49Hyundai Palisade$1,338$112
50Hyundai Santa Cruz$1,340$112

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Bethlehem, PA.Data last updated on December 1, 2022
    Top 50 Cheapest Automobiles to Insure in Bethlehem, Pennsylvania

    A few additional vehicles worth noting ranking in the top 50 table above include the Ford Ranger, Mitsubishi Eclipse Cross, Ford Explorer, Chevrolet Spark, and Mazda CX-30. Average auto insurance rates for those models cost between $1,212 and $1,342 per year in Bethlehem, PA.

    To see how cheap these rates are, a few examples that have more expensive auto insurance include the Jeep Grand Wagoneer at an average of $1,860 per year, the Audi A4 that costs $1,616, and the Lexus LC 500h that costs $2,256.

    How much does Bethlehem car insurance cost?

    The average price for car insurance in Bethlehem is $1,394 per year, which is 11% less than the national average rate of $1,567. The average cost per month for car insurance in Bethlehem is $116 for a full coverage policy.

    In the state of Pennsylvania, average auto insurance cost is $1,282 per year, so the cost in Bethlehem averages $112 more per year. The cost of car insurance in Bethlehem compared to other Pennsylvania cities is around $90 per year less than in Reading, $122 per year cheaper than in Allentown, and $18 per year less than in Erie.

    Driver age is one of the largest factors in the price of car insurance, so the list below details how driver age influences cost by breaking out average car insurance rates for different driver ages.

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

    • 16-year-old rated driver – $4,996 per year or $416 per month
    • 17-year-old rated driver – $4,664 per year or $389 per month
    • 18-year-old rated driver – $4,356 per year or $363 per month
    • 19-year-old rated driver – $3,940 per year or $328 per month
    • 20-year-old rated driver – $2,768 per year or $231 per month
    • 30-year-old rated driver – $1,468 per year or $122 per month
    • 40-year-old rated driver – $1,394 per year or $116 per month
    • 50-year-old rated driver – $1,268 per year or $106 per month
    • 60-year-old rated driver – $1,246 per year or $104 per month

    The next chart shows examples of average Bethlehem auto insurance cost. Rates are averaged for all Bethlehem Zip Codes and shown for a range of different driver ages, risk profiles, and policy deductibles.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for the 2022 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Bethlehem includes all Zip Codes and vehicle trim levels.Data last updated on December 1, 2022
    Bethlehem, PA, Car Insurance Cost Summary
    Average Car Insurance Cost in Bethlehem, PA
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,158$263
    Safe Driver Age 20$2,768$231
    At-fault Accidents Age 40$1,968$164
    Low Deductibles Age 40$1,812$151
    Safe Driver Age 30$1,468$122
    Safe Driver Age 40$1,394$116
    Safe Driver Age 50$1,268$106
    Safe Driver Age 60$1,246$104
    High Deductibles Age 40$1,180$98
    Discount Rate Age 40$1,160$97

    Average rates in the chart above range from $1,160 per year for a middle-aged driver with a discount rate policy to $3,158 per year for a 20-year-old driver with a lot of violations and accidents. Throughout our site, the rate used to compare different vehicles or locations is the 40-year-old safe driver rate, which has an average cost of $1,394 per year.

    As a monthly cost, the average cost to insure a car in Bethlehem ranges from $97 to $263 for the same driver risk profiles shown in the prior chart.

    Bethlehem auto insurance rates can vary considerably and can also be significantly different between companies. The potential for large differences in cost reinforces the need for accurate car insurance quotes when searching online for the cheapest rate.

    The auto insurance rates referenced previously take the cost to insure each 2022 vehicle model and average them, which is suitable for making general comparisons like the average cost difference between different locations in Pennsylvania.

    However, for more comprehensive car insurance cost comparisons, we need to look at specific vehicles and see how rates compare between them.

    The following chart breaks down insurance rates in Bethlehem for some of the more popular models sold in the state of Pennsylvania.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Bethlehem car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Bethlehem Zip Codes.Data last updated on December 1, 2022
    Average Car Insurance Quotes in Bethlehem, PA
    Average Car Insurance Quotes in Bethlehem, PA
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,062$89
    Subaru Forester$1,208$101
    Honda CR-V$1,222$102
    Ford Ranger$1,240$103
    Honda HR-V$1,256$105
    Hyundai Tucson$1,296$108
    Ford Explorer$1,312$109
    Toyota RAV4$1,316$110
    Ford F150$1,350$113
    Toyota 4Runner$1,360$113
    Nissan Sentra$1,362$114
    Nissan Rogue$1,366$114
    Toyota Camry$1,372$114
    Toyota Corolla$1,372$114
    Ford Escape$1,374$115
    Honda Civic$1,382$115
    Ford Bronco$1,404$117
    Toyota Highlander$1,404$117
    Honda Pilot$1,414$118
    Hyundai Santa Fe$1,456$121
    Chevrolet Silverado$1,498$125
    Jeep Cherokee$1,550$129
    Ram Truck$1,594$133
    Chevrolet Corvette$1,758$147

    The vehicles that are popular in Bethlehem tend to be small or midsize sedans like the Hyundai Elantra and Nissan Altima and small or midsize SUVs like the Honda CR-V and Jeep Grand Cherokee.

    A few additional popular vehicles in Bethlehem, Pennsylvania, from different automotive segments include luxury models like the Acura ILX, Infiniti QX60, and BMW X5 and sports cars like the Porsche 911, Chevy Corvette, and Ford Mustang.

    If we look to see how many popular models are in the prior table showing the top 50 cheapest vehicles to insure, only about the first eight are included.

    This could be simply due to the vehicle having a higher than average replacement cost, like a Chevy Corvette that has an average MSRP of $62,195, or a vehicle may have the potential for higher liability or medical claims like a Mitsubishi Outlander, Ford F-250 Super Duty pickup, or Ford Bronco.

    The next sections take insurance rates even farther, by showing how much rates can vary for a particular vehicle simply by changing the driver age, risk profile, or policy coverages.

    Honda Civic insurance rates

    Honda Civic insurance in Bethlehem costs an average of $1,382 per year, ranging from a low of $1,284 per year on the Honda Civic LX model up to $1,510 per year for the Honda Civic Type R model.

    When Bethlehem insurance rates for the Honda Civic are compared with the average cost for the entire U.S. on the same model, rates are $116 to $140 less per year in Bethlehem, depending on which model is insured.

    The next chart shows how car insurance rates for a Honda Civic can be quite different for a number of different driver ages, policy deductibles, and potential risk scenarios.

    For our example drivers, cost ranges from $1,146 to $3,114 per year, which is a price difference of $1,968 per year to insure the same vehicle.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Bethlehem includes all Zip Codes and vehicle trim levels.Data last updated on December 1, 2022
    Honda Civic Insurance Cost in Bethlehem, PA
    Honda Civic Insurance Cost in Bethlehem, PA
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,114$260
    Safe Driver Age 20$2,728$227
    At-fault Accidents Age 40$1,948$162
    Low Deductibles Age 40$1,776$148
    Safe Driver Age 30$1,450$121
    Safe Driver Age 40$1,382$115
    Safe Driver Age 50$1,256$105
    Safe Driver Age 60$1,234$103
    High Deductibles Age 40$1,174$98
    Discount Rate Age 40$1,146$96

    The Honda Civic is part of the compact car segment, and other models in that segment include the Volkswagen Jetta, Nissan Sentra, and Toyota Corolla.

    Honda CR-V insurance rates

    The average cost of Honda CR-V insurance in Bethlehem is $1,222 per year. With a purchase price ranging from $26,400 to $37,400, average car insurance rates for a Honda CR-V range from $1,148 per year on the Honda CR-V LX model up to $1,304 per year on the Honda CR-V Hybrid Touring.

    On a monthly basis, full-coverage car insurance on a 2022 Honda CR-V can range from $96 to $109 per month, depending on your company and exact Zip Code in Bethlehem.

    The rate chart below shows how auto insurance quotes for a Honda CR-V can be quite different based on different driver ages, policy deductibles, and risk profiles. The rates in the chart range from $1,014 to $2,782 per year, which is a cost difference of $1,768 caused by changing the rated driver.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Bethlehem includes all Zip Codes and vehicle trim levels.Data last updated on December 1, 2022
    Honda CR-V Insurance Cost in Bethlehem, Pennsylvania
    Honda CR-V Insurance Cost in Bethlehem, PA
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,782$232
    Safe Driver Age 20$2,436$203
    At-fault Accidents Age 40$1,726$144
    Low Deductibles Age 40$1,586$132
    Safe Driver Age 30$1,286$107
    Safe Driver Age 40$1,222$102
    Safe Driver Age 50$1,116$93
    Safe Driver Age 60$1,096$91
    High Deductibles Age 40$1,034$86
    Discount Rate Age 40$1,014$85

    The Honda CR-V belongs to the compact SUV segment, and other popular models include the Chevrolet Equinox, Toyota RAV4, and Ford Escape.

    Honda Pilot insurance rates

    Average Honda Pilot insurance cost in Bethlehem costs from $1,320 to $1,490 per year. The lowest-cost insurance will be on the $37,580 Honda Pilot Sport model, while the most expensive to insure is the $51,370 Honda Pilot Black Edition.

    When Bethlehem insurance rates on a Honda Pilot are compared to the cost averaged for the entire U.S. on the same model, rates are anywhere from $124 to $142 cheaper per year in Bethlehem, depending on which model is insured.

    From a cost per month standpoint, full-coverage insurance on a Honda Pilot for a good driver can cost from $110 to $124 per month, depending on your Zip Code in Bethlehem.

    The chart displayed below might be helpful in explaining how the cost of car insurance on a Honda Pilot can be quite different based on different driver ages, policy physical damage deductibles, and risk scenarios. For our example drivers, rates range from $1,174 to $3,232 per year, which is a price difference of $2,058 just for changes in rated drivers.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Bethlehem includes all Zip Codes and vehicle trim levels.Data last updated on December 1, 2022
    Honda Pilot Insurance Cost in Bethlehem, PA
    Honda Pilot Insurance Cost in Bethlehem, PA
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,232$269
    Safe Driver Age 20$2,828$236
    At-fault Accidents Age 40$1,996$166
    Low Deductibles Age 40$1,866$156
    Safe Driver Age 30$1,496$125
    Safe Driver Age 40$1,414$118
    Safe Driver Age 50$1,290$108
    Safe Driver Age 60$1,268$106
    High Deductibles Age 40$1,184$99
    Discount Rate Age 40$1,174$98

    The Honda Pilot belongs to the midsize SUV segment, and other models from that segment that are popular in Bethlehem, Pennsylvania, include the Jeep Grand Cherokee, Ford Explorer, and Ford Edge.

    Honda Accord insurance rates

    The least-expensive 2022 Honda Accord model to insure in Bethlehem is the Hybrid model, costing an average of $1,334 per year, or about $111 per month. This model has a retail price of $27,320.

    The most expensive 2022 Honda Accord model to insure in Bethlehem is the Touring, costing an average of $1,604 per year, or around $134 per month. The MSRP for this model is $38,050, not including documentation fees and destination charges.

    When Bethlehem car insurance rates for the Honda Accord are compared with national average insurance rates on the same model, the cost is $124 to $148 cheaper per year in Bethlehem, depending on the specific trim level being insured.

    The rate chart below shows how insurance quotes on a Honda Accord can be very different based on a variety of different driver ages, deductibles, and risk profiles. For our example risk profiles, the cost ranges from $1,208 to $3,324 per year, which is a cost difference of $2,116 based on different driver risks.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Bethlehem includes all Zip Codes and vehicle trim levels.Data last updated on December 1, 2022
    Honda Accord Insurance Cost in Bethlehem, Pennsylvania
    Honda Accord Insurance Cost in Bethlehem, PA
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,324$277
    Safe Driver Age 20$2,912$243
    At-fault Accidents Age 40$2,058$172
    Low Deductibles Age 40$1,904$159
    Safe Driver Age 30$1,532$128
    Safe Driver Age 40$1,456$121
    Safe Driver Age 50$1,326$111
    Safe Driver Age 60$1,302$109
    High Deductibles Age 40$1,228$102
    Discount Rate Age 40$1,208$101

    The Honda Accord is considered a midsize car, and other models in that segment include the Toyota Camry, Kia K5, Hyundai Sonata, and Nissan Altima.

    Ford Mustang insurance rates

    The cheapest 2022 Ford Mustang model to insure in Bethlehem is the Ecoboost Fastback model, costing an average of $1,282 per year, or around $107 per month. This trim level has a MSRP of $27,205.

    The most expensive 2022 Ford Mustang model to insure in Bethlehem is the Shelby GT500, costing an average of $1,812 per year, or around $151 per month. The sticker price for this model is $72,900, before destination and documentation fees.

    The rate chart below demonstrates how the cost of car insurance for a Ford Mustang can range significantly for a variety of different driver ages, deductibles, and risk profiles.

    For this example, cost varies from $1,222 to $3,304 per year, which is a cost difference of $2,082 per year simply by increasing driver risk.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Bethlehem includes all Zip Codes and vehicle trim levels.Data last updated on December 1, 2022
    Ford Mustang Insurance Cost in Bethlehem, PA
    Ford Mustang Insurance Cost in Bethlehem, PA
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,304$275
    Safe Driver Age 20$2,896$241
    At-fault Accidents Age 40$2,058$172
    Low Deductibles Age 40$1,928$161
    Safe Driver Age 30$1,554$130
    Safe Driver Age 40$1,472$123
    Safe Driver Age 50$1,338$112
    Safe Driver Age 60$1,312$109
    High Deductibles Age 40$1,234$103
    Discount Rate Age 40$1,222$102

    The Ford Mustang belongs to the sports car segment, and additional models from the same segment that are popular in Bethlehem, Pennsylvania, include the Chevrolet Corvette, Subaru BRZ, Toyota GR Supra, and Chevrolet Camaro.