Car Insurance in Scranton, PA – Cheapest Quotes + Rankings (2024)

• Scranton car insurance cost averages $1,724 per year for a full-coverage policy, or approximately $144 per month.
• Scranton auto insurance costs an average of $118 per year less than the Pennsylvania state average ($1,842) and $159 per year less than the average for all 50 states ($1,883).
• Models like the Buick Envision, Nissan Kicks, Chevrolet Trailblazer, and Honda Passport have cheap car insurance in Scranton.
• Auto insurance quotes in Scranton have significant variability from as little as $30 per month for liability-only insurance to over $683 per month for drivers with poor driving records.

How much does car insurance cost in Scranton?

The average car insurance expense in Scranton is $1,724 per year, which is 8.8% less than the overall U.S. national average rate of $1,883. Average car insurance cost per month in Scranton is $144 for full coverage.

The average cost of car insurance in Pennsylvania is $1,842 per year, so Scranton drivers pay an average of $118 less per year than the overall Pennsylvania state-wide average rate. When compared to other locations in Pennsylvania, the average cost to insure a car in Scranton is around $86 per year cheaper than in Reading, $42 per year less than in Pittsburgh, and $1,166 per year cheaper than in Philadelphia.

Driver age is the single-largest factor that determines the cost of auto insurance, so the list below details how age impacts cost by breaking out average car insurance rates depending on driver age.

Average cost of car insurance in Scranton by driver age

• 16-year-old driver – $6,142 per year or $512 per month
• 17-year-old driver – $5,948 per year or $496 per month
• 18-year-old driver – $5,334 per year or $445 per month
• 19-year-old driver – $4,856 per year or $405 per month
• 20-year-old driver – $3,470 per year or $289 per month
• 30-year-old driver – $1,840 per year or $153 per month
• 40-year-old driver – $1,724 per year or $144 per month
• 50-year-old driver – $1,528 per year or $127 per month
• 60-year-old driver – $1,430 per year or $119 per month

The next chart shows examples of average Scranton auto insurance cost broken out for a range of driver ages and risk profiles. Rates are averaged for all 2024 model year vehicles including luxury brands.

Average rates in the chart range from $1,432 per year for a 40-year-old driver who qualifies for most policy discounts to $3,966 per year for a 20-year-old driver who has a few accidents and violations and has to buy a high risk policy. Throughout our site, the rate used for comparing different vehicles or locations is the 40-year-old safe driver rate, which is an average cost of $1,724 per year.

As a monthly price, the average cost of car insurance in Scranton ranges from $119 to $331 for the same driver ages and deductibles shown in the previous chart.

Car insurance rates can have wide price ranges and are impacted by a lot of factors. This variability stresses the need to get accurate auto insurance quotes when looking for a cheaper policy.

Car insurance for popular cars, trucks, and SUVs

The previous car insurance rates in this article consist of an average based on every 2024 vehicle model, which is practical for making generalized comparisons like between locations or by driver risk profile.

Average auto insurance rates are terrific for answering questions like “is Scranton car insurance cheaper than Erie?” or “is Pennsylvania car insurance cheaper than Arizona?”.

For more complete auto insurance cost comparisons, however, it makes sense to instead use rates for the specific model of vehicle being insured. Every model has slightly different risk exposures for calculating how much auto insurance costs and this data makes it possible to do more detailed cost comparisons.

This next chart details the cost of car insurance in Scranton for some of the most popular cars, trucks, and SUVs. Later in this article, we will examine additional situations that affect the cost of insuring some of these models even more in-depth.

Vehicles with high popularity in Scranton tend to be small or midsize sedans like the Nissan Sentra, Volkswagen Jetta, and Nissan Altima and small or midsize SUVs like the Honda CR-V, Nissan Rogue, and Jeep Grand Cherokee.

A few additional popular models from different automotive segments include luxury SUVs like the BMW X5 and Lexus RX 350, luxury cars like the BMW 530i and Tesla Model S, and pickup trucks like the Ford Ranger and Toyota Tacoma.

We will explore many more auto rates in a bit, but first, let’s quickly revisit some of the concepts we tackled so far in the article.

• Scranton auto insurance rates are cheaper than the Pennsylvania state average – $1,724 (Scranton average) versus $1,842 (Pennsylvania average)
• Car insurance cost decreases the older you are – Auto insurance rates for a 60-year-old driver in Scranton are $2,040 per year cheaper than for a 20-year-old driver.
• Scranton, Pennsylvania, average car insurance cost is less than the U.S. average – $1,724 (Scranton average) compared to $1,883 (U.S. average)
• Low deductibles cost more than high deductibles – A 40-year-old driver pays an average of $560 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Cost per month ranges from $119 to $512 – That’s the average car insurance price range for drivers aged 16 to 60 in Scranton, PA.
• Car insurance rates drop substantially in your twenties – The average 30-year-old Scranton driver will pay $1,630 less per year than a 20-year-old driver, $1,840 versus $3,470.

Which vehicles cost the least to insure in Scranton?

When comparing makes and models from all segments, the vehicles with the most affordable insurance rates in Scranton tend to be crossover SUVs like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Buick Envision.

Average insurance quotes for those small SUVs cost $1,402 or less per year for a full coverage policy.

Examples of other models that have very good auto insurance quotes in our cost comparison are the Honda CR-V, Subaru Outback, Chevrolet Colorado, and Buick Encore.

Average auto insurance rates are slightly higher for those models than the compact SUVs at the top of the rankings, but they still have an average insurance cost of $1,476 or less per year ($123 per month).

The next table shows the 20 models with the cheapest car insurance in Scranton, ordered starting with the cheapest.

A table of 20 of the cheapest vehicles to insure in Scranton serves the purpose if you just want the absolute lowest rates. A more useful way to group and rank rates in a pragmatic manner is to sort them by the segment they belong to.

This next article section showcases average car insurance cost by vehicle segment. The rates shown in the chart should give a better understanding of which automotive segments have the most affordable auto insurance rates in Scranton. The sections following the chart rank the vehicles with the cheapest insurance rates in the most popular automotive segments.

Average car insurance rates by segment

If you’re car shopping, it is useful to know which types of vehicles have less expensive car insurance rates. For example, some people wonder if compact SUVs cost less to insure than compact cars or if half-ton pickups have more affordable insurance than heavy duty pickups.

The chart below shows average car insurance rates by segment in Scranton. When comparing rates from a segment perspective, small SUVs and midsize pickups have the cheapest average auto insurance rates, with sports cars and performance luxury models having the most expensive average cost to insure.

Car insurance rates by segment are precise enough for comparing estimates, but auto insurance cost varies considerably within each segment shown in the above chart.

For example, in the midsize car segment, Scranton insurance rates range from the Hyundai Ioniq 6 costing $1,584 per year for a full coverage policy to the Tesla Model 3 at $2,024 per year. For another example, in the midsize truck segment, the cost of insurance ranges from the Chevrolet Colorado at $1,476 per year up to the Rivian R1T at $2,152 per year, a difference of $676 within that segment.

In the following sections, we will eliminate a lot of this variability by comparing average car insurance rates from the perspective of the vehicle model.

Cars with cheap auto insurance rates in Scranton

The top-ranked vehicle in Scranton for cheapest auto insurance rates in the non-luxury sedan segment is the Toyota GR Corolla, coming in at $1,498 per year. Second place is the Nissan Leaf at $1,512 per year, ranking third is the Honda Civic, costing an average of $1,526 per year, and the fourth cheapest is the Nissan Sentra, costing an average of $1,580 per year.

Some other cars that have good average insurance rates are the Kia K5, Chevrolet Malibu, Toyota Prius, and Honda Accord, with average rates of $1,672 per year or less.

Additional vehicles that make the list include the Mitsubishi Mirage G4, Volkswagen Jetta, Toyota Corolla, Subaru Legacy, and Nissan Versa, which average between $1,672 and $1,784 per year to insure.

Full-coverage auto insurance in Scranton for this segment for a safe driver starts at around $125 per month, depending on your location.

The lowest-cost compact car to insure in Scranton is the Toyota GR Corolla at $1,498 per year. For midsize models, the Hyundai Ioniq 6 is the cheapest model to insure at $1,584 per year. And for full-size cars, the Chrysler 300 has the best rates at $1,636 per year.

The rate comparison table below ranks the twenty cars with the most affordable car insurance rates in Scranton, starting with the Toyota GR Corolla at $1,498 per year ($125 per month) and ending with the Mazda 3 at $1,784 per year ($149 per month).

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see rates for your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Scranton car insurance quotes from top-rated companies in Pennsylvania.

Cheapest SUV insurance rates in Scranton

The #1 ranking in Scranton for cheapest auto insurance rates in the SUV segment is the Subaru Crosstrek, with an average cost of $1,274 per year. Second place is the Chevrolet Trailblazer costing $1,294 per year, coming in third is the Kia Soul, costing an average of $1,346 per year, and the fourth most affordable is the Nissan Kicks, costing an average of $1,356 per year.

Not the cheapest, but still in the top 10, are SUVs like the Toyota Corolla Cross, Mazda CX-5, Hyundai Venue, and Buick Envision, with an average car insurance cost of $1,412 per year or less.

From a monthly standpoint, auto insurance in Scranton on this segment for a safe driver starts at around $106 per month, depending on your location and insurance company.

When prices are compared by SUV size, the lowest-cost non-luxury compact SUV to insure in Scranton is the Subaru Crosstrek at $1,274 per year, or $106 per month. For midsize SUVs, the Honda Passport has the best rates at $1,374 per year, or $115 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the most affordable rates at $1,618 per year, or $135 per month.

The next table ranks the SUVs with the lowest-cost car insurance rates in Scranton, starting with the Subaru Crosstrek at $1,274 per year and ending with the Honda HR-V at $1,502 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

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

Cheap pickups to insure in Scranton, Pennsylvania

The Chevrolet Colorado ranks at #1 for the cheapest pickup to insure in Scranton, followed by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model has an average cost of $1,476 per year to insure for full coverage.

Additional models that have affordable average insurance rates include the GMC Sierra 2500 HD, Honda Ridgeline, Hyundai Santa Cruz, and GMC Canyon, with average insurance cost of $1,774 per year or less.

Full-coverage car insurance in Scranton for this segment can cost as low as $123 per month, depending on the company. The table below ranks the pickups with the cheapest average auto insurance rates in Scranton, starting with the Chevrolet Colorado at $1,476 per year ($123 per month) and ending with the Ram Truck at $1,994 per year ($166 per month).

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Scranton car insurance quotes from the best auto insurance companies in Pennsylvania.

Cheapest luxury car insurance rates in Scranton, PA

The Acura Integra takes the #1 ranking as the cheapest luxury car to insure in Scranton, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model has an average cost of $1,532 per year for full-coverage auto insurance.

Other luxury cars that rank well include the Mercedes-Benz AMG CLA35, Lexus ES 350, Lexus RC 300, and Cadillac CT4, with average annual insurance rates of $1,812 per year or less.

Some additional models that rank well include the BMW 228i, Jaguar XF, Cadillac CT5, and Lexus RC 350, which cost between $1,812 and $1,932 per year for insurance in Scranton.

Car insurance rates for this segment in Scranton for a good driver will start around $128 per month, depending on your location and insurance company. The rate comparison table below ranks the twenty cars with the most affordable car insurance in Scranton, starting with the Acura Integra at $1,532 per year ($128 per month) and ending with the Audi S3 at $1,932 per year ($161 per month).

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see rates for your luxury car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Scranton car insurance quotes from top-rated companies in Pennsylvania.

Luxury SUVs with cheap car insurance rates in Scranton, PA

Ranking #1 in Scranton for the lowest-cost insurance in the luxury SUV segment is the Acura RDX, costing $1,442 per year. Second place is the Lexus NX 250 at $1,526 per year, coming in third is the Cadillac XT4, costing an average of $1,556 per year, and fourth place goes to the Jaguar E-Pace, at an average of $1,612 per year.

Additional models that have cheaper rates are the Lexus UX 250h, Lexus NX 450h, Mercedes-Benz GLB 250, and Lexus NX 350h, with an average car insurance cost of $1,664 per year or less.

Full-coverage insurance for this segment in Scranton for the average driver starts at around $120 per month, depending on where you live and the company you use. The comparison table below ranks the twenty SUVs with the lowest-cost car insurance rates in Scranton, starting with the Acura RDX at $1,442 per year ($120 per month) and ending with the Lexus NX 350 at $1,730 per year ($144 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see insurance rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Scranton car insurance quotes from top-rated auto insurance companies in Pennsylvania.

Sports cars with affordable insurance rates in Scranton

The #1 ranking in Scranton for cheapest auto insurance in the sports car segment is the Mazda MX-5 Miata, coming in at $1,596 per year. Second place is the Toyota GR86 costing $1,816 per year, the third most affordable is the Ford Mustang, costing an average of $1,894 per year, and the fourth cheapest is the BMW Z4, costing an average of $1,906 per year.

Not the cheapest, but still very affordable, are models like the Lexus RC F, Nissan Z, Subaru BRZ, and Toyota GR Supra, with an average cost to insure of $2,062 per year or less.

From a monthly standpoint, auto insurance rates in Scranton on this segment for a middle-age safe driver starts at an average of $133 per month, depending on the company and where you live. The table below ranks the twenty sports cars with the cheapest insurance in Scranton, starting with the Mazda MX-5 Miata at $1,596 per year and ending with the Porsche Taycan at $2,922 per year.

Don’t see your sports car in the list? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Pennsylvania.

Tips for cheaper Scranton car insurance rates

Smart drivers are often looking to cut the monthly cost of insurance, so glance at the savings tips below to see if you can save a little cash on your next renewal.

• Choose vehicles that have low cost auto insurance. Vehicle performance is an important factor in the price you pay for car insurance. As an example, a Honda CR-V costs $1,002 less per year to insure in Scranton than a Porsche 911. Drive cheaper models and save money.
• Higher deductibles mean lower cost. Increasing deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Get cheaper rates because of your profession. The vast majority of car insurance providers offer discounts for certain professions like college professors, dentists, architects, engineers, doctors, and others. If you can qualify for this discount, you could save between $52 and $168 on your annual car insurance cost, subject to policy limits.
• Don’t file small claims. Insurance companies give a discounted rate if you have no claims. Car insurance is intended to be used in the case of large financial hits, not for small claims.
• Shop your coverage around. Take a couple of minutes to get free car insurance quotes is the best recommendation for saving money. Rates change frequently and switching to a different company is very easy to do.