Cheapest Car Insurance Quotes in Allentown

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Allentown Car Insurance

^$ 56

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Allentown

The car insurance rate in Allentown is $1139 for a six-month policy, which is $99 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $710, making it a popular choice for budget-conscious drivers. Rates in Allentown can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Allentown

$1139

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Allentown

1st place: New Jersey Manufacturers

At $710 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $858 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $868 for six months, making it the third cheapest auto insurance company in Allentown.

Allentown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Allentown, NJ is New Jersey Manufacturers, offering policies at just $710 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $858.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1896 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Allentown drivers find the best deals.

Cheap Car Insurance Companies in Allentown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$710	$119
New Jersey Skylands Insurance	$858	$146
NJM	$868	$146
Plymouth Rock	$946	$159
Progressive	$995	$167
Travelers	$1060	$178
Amica Mutual	$1202	$201
Allstate	$1240	$209
State Farm	$1339	$225
Selective	$1415	$238
Farmers	$1896	$316

Key Takeaways

Way's key takeaways about car insurance in Allentown

The auto insurance costs in Allentown fall around $710 for six months.
The cheapest auto insurance company in Allentown is New Jersey Manufacturers.
Teen drivers pay the highest rate in Allentown at $962 per month.

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Cheapest Minimum Liability Car Insurance in Allentown

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Allentown are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Allentown. Their Average 6 Month Premium is $328. Farmers is the most expensive at $946 for the same period.

Cheapest Liability Coverage in Allentown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$328	$56
Plymouth Rock	$443	$75
NJM	$454	$76
New Jersey Skylands Insurance	$481	$80
Amica Mutual	$492	$84
Amica	$563	$94
Progressive	$563	$95
Travelers	$580	$98
State Farm	$606	$102
Allstate	$673	$113
Selective	$749	$126
Farmers	$946	$157

Cheapest Full Coverage Car Insurance in Allentown

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Allentown is New Jersey Manufacturers at $119 per month and $710 for six months.

Cheapest Full Coverage Car Insurance Quotes in Allentown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$710	$119
New Jersey Skylands Insurance	$858	$146
NJM	$868	$146
Plymouth Rock	$946	$159
Progressive	$995	$167
Travelers	$1060	$178
Amica Mutual	$1202	$201
Allstate	$1240	$209
State Farm	$1339	$225
Selective	$1415	$238
Farmers	$1896	$316

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Average Car Insurance in Allentown by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Allentown, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Allentown, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Allentown's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Allentown

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$706
30s	NJM	$548
40s	NJM	$508
50s	NJM	$468
60s	NJM	$431

Cheapest Car Insurance Rates for Teen Drivers in Allentown,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Allentown at $84 per month. At $5662 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$492	$84
NJM	$983	$166
New Jersey Manufacturers	$1628	$277
Travelers	$2295	$386
Selective	$2487	$419
Plymouth Rock	$2580	$434
Amica Mutual	$2880	$489
Allstate	$3126	$526
Progressive	$3158	$532
State Farm	$3743	$630
Farmers	$5662	$962

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Allentown.

As young drivers face the highest rates in Allentown, NJM offers the cheapest auto insurance rates at $706 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Allentown, Amica Mutual is the cheapest car insurance provider. At $601 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Allentown is State Farm, offering rates of around $6651 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$601	$102
New Jersey Skylands Insurance	$754	$126
Foremost	$842	$144
NJM	$1054	$178
Progressive	$1355	$228
Plymouth Rock	$1399	$236
Farmers	$2513	$428
Selective	$2907	$485
Travelers	$3104	$528
Allstate	$3251	$542
State Farm	$6651	$1131

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Car Insurance Rates with An Accident in Allentown

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Allentown, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Allentown

The cheapest car insurance companies after an at-fault accident in Allentown include New Jersey Skylands Insurance and NJM, offering $580 and $617, respectively. Farmers is an expensive provider with an average six-month premium of $3673.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$580	$97
NJM	$617	$104
New Jersey Manufacturers	$749	$125
Plymouth Rock	$781	$132
Amica Mutual	$929	$156
Progressive	$1306	$220
Selective	$1771	$298
Travelers	$1814	$305
State Farm	$2099	$353
Allstate	$3279	$552
Farmers	$3673	$612

Allentown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Allentown NJ. For example, the car insurance in Allentown after a DUI increases to $1160 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Allentown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1065	$178
One Med/PIP claim	$1071	$182
Not-at-fault accident	$1121	$187
One comp claim	$1132	$192
Two Med/PIP claims	$1137	$190
Speeding 6 - 10 MPH over limit	$1225	$208
Speeding 11 - 15 MPH over limit	$1230	$205
Two comp claims	$1230	$209
Failure to show documents	$1246	$208
At-fault accident - less than $1000	$1262	$214
Failure to wear a seat belt	$1279	$213
Driving too slowly	$1284	$218
Driving without lights	$1290	$215
Child safety restraint	$1312	$223
Driving with expired registration	$1312	$219
Wrong way/wrong lane	$1333	$226
Failure to yield	$1339	$224
Failure to stop at a red light	$1344	$228
Illegal turn	$1366	$228
Cell phone violation	$1383	$236
Texting while driving	$1383	$230
Speeding in school zone	$1405	$239
Operating a vehicle without permission	$1410	$235
Speeding 16 - 20 MPH over limit	$1410	$240
Improper passing	$1443	$240
Following too closely	$1448	$247
Passing school bus	$1508	$251
In 65 MPH zone	$1519	$259
Speeding 21 - 25 MPH over limit	$1569	$261
At-fault accident - $1000-$2000	$1612	$274
At-fault accident - greater than $2000	$1623	$270
Open container	$1814	$308
Reckless driving	$2126	$354
Leaving scene of an accident/hit and run	$2208	$375
DUI	$2225	$371
Refusal to submit to a chemical test	$2225	$378
Racing	$2230	$372
Driving with a suspended license	$2317	$394

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Allentown after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Allentown.

The cheapest car insurance premiums in Allentown are offered by Plymouth Rock at $673 for a six-month policy. However, it can be as expensive as $5022 with companies like State Farm.

Allentown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$673	$113
Foremost	$738	$123
NJM	$743	$125
Mercury	$853	$142
New Jersey Manufacturers	$918	$156
Progressive	$935	$157
Travelers	$1410	$237
Allstate	$1688	$284
Selective	$2076	$350
Farmers	$2394	$399
Amica Mutual	$4749	$808
State Farm	$5022	$845

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Allentown are offered by Plymouth Rock at $623. However, it can be as expensive as $3214 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Allentown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$623	$105
NJM	$792	$133
Progressive	$1093	$184
Selective	$1574	$262
State Farm	$1595	$271
Travelers	$1831	$305
Allstate	$2667	$454
Farmers	$3214	$535

Car Insurance Price Trends in Allentown, New Jersey

Car insurance rates in Allentown have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Allentown rose by $267 in January compared to $226 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Allentown rose to $89 in January, compared to $79 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Allentown?

The car insurance in Allentown is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Allentown?

The cheapest car insurance in Allentown is $119 per month for full coverage.

How much is car insurance in Allentown for teenagers?

Car insurance for teenagers costs $492 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Allentown?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $191 per month to insure your car in Allentown.

Is car insurance expensive in Allentown?

Car insurance can be expensive in Allentown if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Allentown can be affordable.

Cheapest Car Insurance Quotes in Allentown

Why you can trust Way?

How Much Is Car Insurance in Allentown

Avg. Car Insurance in Allentown

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Allentown

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Allentown Car Insurance Rates by Company

Cheap Car Insurance Companies in Allentown, NJ

Way's key takeaways about car insurance in Allentown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Allentown

Cheapest Liability Coverage in Allentown, NJ

Cheapest Full Coverage Car Insurance in Allentown

Cheapest Full Coverage Car Insurance Quotes in Allentown, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Allentown by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Allentown, NJ increasing?

Car Insurance Premiums by Age in Allentown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Allentown,NJ

If you are in your twenties NJM is the best choice for car insurance in Allentown.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Allentown

Cheapest Car Insurance Companies after an At-Fault Accident in Allentown

Allentown Car Insurance Rates by Violation

Allentown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Allentown after a DUI

Allentown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Allentown after Speeding ticket

Car Insurance Price Trends in Allentown, New Jersey

Average Car Insurance Cost in Allentown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Allentown, NJ

Car Insurance Rates by State in the USA (2025 Update)

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