Allentown Car Insurance

Everything You Need to Know about Car Insurance in Allentown, PA

Find the right car insurance policy for you.

Allentown is the third-largest city in Pennsylvania, and four major expressways run through its city limits. These include Interstate 78, which connects Harrisburg to New York City; Pennsylvania Route 309, which connects Philadelphia to the Wyoming Valley; U.S. Route 22, which connects Cincinnati, OH to Newark, NJ; and the Northeast Extension of the Pennsylvania Turnpike. All of this leads to heavy traffic situations around the city, which can increase your risk of a vehicular collision. That is why an Allentown auto insurance policy is so important.

  • National Average Cost per year: $1,311
  • Pennsylvania Average Cost per year: $1,304
  • 23rd Most Expensive Auto Premium in U.S.

Average car insurance rates in the state of Pennsylvania are consistent with national averages, but the figures listed above can only give you a ballpark idea of how much you might expect to pay. Your actual Allentown auto insurance costs will be calculated based on several different factors including, but not limited to:

  • the value, make, model, year and safety features of your car
  • the driving record and claims history of the drivers in your household
  • the age, sex, and marital status of the drivers in your household
  • the coverage options you wish to purchase
  • the amount of liability coverage you wish you purchase
  • the amount of your deductible
  • your credit score

Because each insurance company is likely to come up with a different cost for your premiums, comparison-shopping is a great way to save money on your Allentown car insurance.  

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Pennsylvania Car Insurance Requirements

  • Bodily Injury Liability: required
  • Property Damage Liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured Motorist Coverage: not required
  • Minimum Liability Limits: 15/30/5; Coverage up to $30,000 for all persons injured in an accident, subject to a limit of $15,000 for one individual, and $5,000 coverage for property damage.

These state’s minimum coverage requirements are usually sufficient to cover the costs associated with most minor vehicular accidents. However, more serious collisions that result in significant property damage or injuries that require extensive medical treatment are likely to greatly exceed these limits. In that case, you would be responsible for making up the difference, which could be financially devastating. That is why many Pennsylvania drivers opt to purchase their insurance with much higher coverage limits. A Trusted Choice agent can help you determine how much coverage is suitable for you.

Number of Uninsured Motorists in Pennsylvania

  • How many US drivers are uninsured: 12.6%
  • How many Pennsylvania drivers are uninsured: 6.50%

If you are involved in a collision that is the fault of an uninsured driver, that person is responsible for compensating you for your damages and any necessary medical treatments. Unfortunately, even with a court order, it can be very difficult to collect this money, and in some cases, if the person simply does not have the funds to cover this debt, you may never see a cent. That is why it is a good idea to include uninsured motorist coverage with your Allentown car insurance. That way, your insurance company will compensate you for your losses right away and will then pursue payment from the responsible driver on their own behalf. This insurance also covers damages and injuries that may result if you are in a collision with a hit-and-run driver.

Number of Auto Thefts in Pennsylvania

  • National number of thefts per 1,000 vehicles: 2.94
  • Pennsylvania number of thefts per 1,000 vehicles: 1.50

Auto theft rates in Pennsylvania are lower than the national average, but the risk in Allentown is a bit higher than the state average.  In 2013, there were 337 auto thefts reported in this city. That equates to 2.83 thefts per 1,000 cars, which is still below the national average.

In the event that your car is stolen, you can only receive compensation for your loss if your Allentown auto insurance policy includes “other than collision,” or comprehensive, insurance. This insurance can also cover other types of non-collision-related damages such as those caused by falling objects, flying debris,  floods, fires, and vandalism.

Find the Best Allentown Car Insurance Policy

If you purchased an auto insurance policy without first taking the time to get quotes from a few competing insurance companies, chances are good that you are paying more than you need to for your coverage. That is why savvy car-owners in Allentown turn to independent agents in the Trusted Choice network for help when they are shopping for insurance coverage for their vehicles.

Trusted Choice agents make buying car insurance easy by taking the time to understand your coverage needs, answering your insurance-related questions, and then making rate inquiries from a selection of reputable insurance companies on your behalf. They can then help you review the various policies and quotes so you can find the policy that offers the best value for your money. Find a Trusted Choice agent with an office near you today to learn more about your Allentown car insurance options.

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