Cheapest Car Insurance Quotes in Harrisburg

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Harrisburg Car Insurance

^$ 22

/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 Harrisburg

The car insurance rate in Harrisburg is $709 for a six-month policy, which is $70 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $335, making it a popular choice for budget-conscious drivers. Rates in Harrisburg 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 Harrisburg

$709

Avg. Car Insurance in Pennsylvania

$779

National Average

$1140

Cheapest Car Insurance Companies in Harrisburg

1st place: AutoOwners Insurance Co

At $335 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $465 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $502 for six months, making it the third cheapest auto insurance company in Harrisburg.

Harrisburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harrisburg, PA is AutoOwners Insurance Co, offering policies at just $335 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $465.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $886 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harrisburg drivers find the best deals.

Cheap Car Insurance Companies in Harrisburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$335	$56
American National P&C	$465	$79
Travelers	$502	$85
Westfield	$557	$95
Erie	$692	$116
State Farm	$763	$128
Nationwide	$805	$136
Allstate	$962	$162
USAA	$973	$164
Progressive	$1221	$206
Auto-Owners	$346	$59
Encompass	$886	$147

Key Takeaways

Way's key takeaways about car insurance in Harrisburg

The auto insurance costs in Harrisburg fall around $335 for six months.
The cheapest auto insurance company in Harrisburg is Westfield.
Teen drivers pay the highest rate in Harrisburg at $559 per month.

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Cheapest Minimum Liability Car Insurance in Harrisburg

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 Harrisburg are given below.

Westfield provides the cheapest minimum car insurance coverage in Harrisburg. Their Average 6 Month Premium is $130. AutoOwners is the most expensive at $70 for the same period.

Cheapest Liability Coverage in Harrisburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
Auto-Owners Insurance Co	$136	$23
Travelers	$162	$27
Erie	$173	$29
American National P&C	$178	$30
Chubb	$189	$32
State Farm	$227	$38
USAA	$243	$41
Progressive	$276	$46
Nationwide	$281	$48
Allstate	$449	$75
Auto-Owners	$70	$12

Cheapest Full Coverage Car Insurance in Harrisburg

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 Harrisburg is AutoOwners Insurance Co at $56 per month and $335 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harrisburg, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$335	$56
American National P&C	$465	$79
Travelers	$502	$85
Westfield	$557	$95
Erie	$692	$116
State Farm	$763	$128
Nationwide	$805	$136
Allstate	$962	$162
USAA	$973	$164
Progressive	$1221	$206
Auto-Owners	$346	$59
Encompass	$886	$147

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Average Car Insurance in Harrisburg 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 Harrisburg, PA increasing?

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

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

Car Insurance Premiums by Age in Harrisburg

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	Travelers	$513
30s	Travelers	$355
40s	Travelers	$334
50s	Travelers	$319
60s	Travelers	$319
70s	Travelers	$376

Cheapest Car Insurance Rates for Teen Drivers in Harrisburg,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Harrisburg at $23 per month. At $3352 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Auto-Owners Insurance Co	$157	$26
American National P&C	$206	$35
Chubb	$227	$38
Travelers	$649	$109
Erie	$794	$134
State Farm	$1087	$183
USAA	$1427	$243
Allstate	$2389	$399
Progressive	$3308	$562
Nationwide	$3352	$559

Teen Car Insurance Rates in PA by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Harrisburg.

As young drivers face the highest rates in Harrisburg, Travelers offers the cheapest auto insurance rates at $513 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 Harrisburg, Westfield is the cheapest car insurance provider. At $211 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 Harrisburg is State Farm, offering rates of around $2903 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$211	$35
Auto-Owners Insurance Co	$217	$36
Chubb	$254	$43
American National P&C	$287	$49
USAA	$822	$137
Nationwide	$833	$140
Erie	$1324	$221
Travelers	$1502	$256
Allstate	$2022	$337
Progressive	$2227	$379
State Farm	$2903	$484

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Car Insurance Rates with An Accident in Harrisburg

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 Harrisburg, PA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Harrisburg include Westfield and AutoOwners Insurance Co, offering $189 and $217, respectively. Donegal is an expensive provider with an average six-month premium of $211.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
Auto-Owners Insurance Co	$217	$36
Chubb	$254	$43
American National P&C	$259	$44
Erie	$373	$63
Travelers	$389	$66
State Farm	$400	$67
USAA	$708	$119
Nationwide	$1006	$171
Allstate	$1232	$206
Progressive	$1308	$222
Auto-Owners	$70	$12
Donegal	$211	$35

Harrisburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harrisburg PA. For example, the car insurance in Harrisburg after a DUI increases to $908 for a six month policy. While the rate increases by $1000 for a six-month policy in the case of a speeding ticket.

Harrisburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1000	$167
Cell phone violation	$1168	$198
Failure to wear a seat belt	$1168	$195
Failure to stop at a red light	$1178	$200
Illegal turn	$1178	$197
Improper passing	$1178	$200
Speeding in school zone	$1178	$197
Texting while driving	$1178	$200
Driving with expired registration	$1184	$197
Speeding 16 - 20 MPH over limit	$1184	$201
Wrong way/wrong lane	$1195	$199
Open container	$1265	$215
Reckless driving	$1844	$308
Racing	$1876	$319
DUI	$1908	$318
Driving with a suspended license	$1919	$327
Leaving scene of an accident/hit and run	$1936	$322

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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 Harrisburg 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 Harrisburg.

The cheapest car insurance premiums in Harrisburg are offered by American National P&C at $292 for a six-month policy. However, it can be as expensive as $2265 with companies like Nationwide.

Harrisburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$292	$48
Travelers	$460	$77
Erie	$681	$115
Allstate	$870	$147
Progressive	$919	$155
State Farm	$925	$156
USAA	$967	$163
Nationwide	$2265	$381

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 Harrisburg are offered by Westfield at $114. However, it can be as expensive as $1465 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Harrisburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$114	$19
Auto-Owners Insurance Co	$146	$25
Erie	$416	$70
Travelers	$416	$70
State Farm	$476	$80
USAA	$919	$153
Allstate	$1232	$209
Progressive	$1308	$218
Nationwide	$1465	$249

Car Insurance Price Trends in Harrisburg, Pennsylvania

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

The average cost of full coverage in the Harrisburg rose by $154 in December compared to $152 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Harrisburg rose to $35 in December, compared to $34 in November. This represents an increase of $1 when comparing December and November.

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Average Car Insurance Cost in Harrisburg by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Harrisburg. At $715 for a six-month policy, insuring your car at 17101 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
17101	$715	$120
17112	$857	$144
17113	$751	$126
17102	$737	$123
17103	$758	$127
17104	$786	$132
17110	$808	$135
17111	$843	$141
17109	$808	$135

Frequently Asked Questions

How much is car insurance in Harrisburg?

The car insurance in Harrisburg is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Harrisburg?

The cheapest car insurance in Harrisburg is $56 per month for full coverage.

How much is car insurance in Harrisburg for teenagers?

Car insurance for teenagers costs $136 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 Harrisburg?

The average cost of car insurance is $779 for a six-month policy. It will cost around $119 per month to insure your car in Harrisburg.

Is car insurance expensive in Harrisburg?

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

Cheapest Car Insurance Quotes in Harrisburg

Why you can trust Way?

How Much Is Car Insurance in Harrisburg

Avg. Car Insurance in Harrisburg

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Harrisburg

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Travelers

Harrisburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Harrisburg, PA

Way's key takeaways about car insurance in Harrisburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harrisburg

Cheapest Liability Coverage in Harrisburg, PA

Cheapest Full Coverage Car Insurance in Harrisburg

Cheapest Full Coverage Car Insurance Quotes in Harrisburg, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harrisburg by Rating Factor

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

Car Insurance Premiums by Age in Harrisburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harrisburg,PA

If you are in your twenties Travelers is the best choice for car insurance in Harrisburg.

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 Harrisburg

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

Harrisburg Car Insurance Rates by Violation

Harrisburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harrisburg after a DUI

Harrisburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harrisburg after Speeding ticket

Car Insurance Price Trends in Harrisburg, Pennsylvania

Average Car Insurance Cost in Harrisburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harrisburg, PA

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

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