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Bethlehem Car Insurance

How much does car insurance cost in Bethlehem, PA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Bethlehem?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Pennsylvania has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Bethlehem typically pay around $102.37 per month compared to the national average of $135.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.68
Pennsylvania $111.92
Bethlehem, Pennsylvania $102.37

Bethlehem, PA Best Car Insurance Companies

car insurance in Bethlehem

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Bethlehem coming in around $72.58 per month. Other companies to consider if you live in Bethlehem is Nationwide with an average cost of $84.56 per month and Penn National which typically runs around $85.28 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Bethlehem.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $72.58-35.15%
2 Nationwide $84.56-24.45%
3 Penn National $85.28-23.80%
4 Erie $85.50-23.61%
5 State Farm $88.81-20.65%
6 Verti Insurance $98.13-12.33%
7 Auto-Owners Insurance Co $99.26-11.31%
8 Allied $108.51-3.05%
9 Atlantic States Insurance $111.11-0.72%
10 Donegal Mutual Insurance Co $120.807.93%

How Much is Car Insurance in Bethlehem, PA?

how much is auto insurance in Bethlehem

Rates can vary from city to city. The residents of Bethlehem typically pay $102.37 per month while people who live in Erie will pay $94.12 per month on average. See what people pay for car insurance in other cities in Pennsylvania.

Pennsylvania CitiesMonthly Average Rate
Bethlehem $102.37
Erie $94.12
Harrisburg $90.75
Philadelphia $173.12
Pittsburgh $96.37
Wilkes Barre $89.72

Cheap Car Insurance in Bethlehem by Zip Codes

find cheap auto insurance in Bethlehem

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Pennsylvania. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Bethlehem, PA ZIP CodeAverage Monthly Rate
18015$89.02
18016$77.17
18017$111.56
18018$113.37
18020$84.71

Car Insurance Rates by Driver's Age Group in Bethlehem

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $218.99 per month in Bethlehem. Compare that to drivers in their 30’s who typically pay around $79.98 per month drivers in their 40s at $77.32 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$218.99
20s$130.50
30s$79.98
40s$77.32
50s$68.40
60s$63.53
70+$58.96

Cheapest Insurance for Teenage Drivers in Bethlehem

If you are teen in Bethlehem you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $90.25 per month. This is likely the most affordable option in Bethlehem. You might also want to consider State Farm and Erie who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$90.25
State Farm$124.33
Erie$155.92
Victoria$156.00
Nationwide$162.83

Cheapest Insurance for 20 Year-olds in Bethlehem

20 year-olds in Bethlehem might want to consider USAA who, on average, offers car insurance rates around $88.09 per month. Nationwide, Verti Insurance , Erie and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$88.09
Nationwide$102.76
Verti Insurance$109.80
Erie$110.06
State Farm$117.13

Cheapest Insurance for 30 Year-olds in Bethlehem

If you are in your 30s in Bethlehem our research has found that USAA typically has the most affordable coverage coming in around $67.08 per month, followed by State Farm at $69.78 and Penn National at $69.82.

CompanyAverage Monthly Rate
USAA$67.08
State Farm$69.78
Penn National$69.82
Erie$73.26
Travelers$76.73

Cheapest Insurance for 40 Year-olds in Bethlehem

On average, Jupiter Auto Insurance offers car insurance for 40 year-olds in Bethlehem for around $26.24 per month. If you are looking for affordable coverage, you may also want to consider USAA or Erie. The full list of top companies is below.

CompanyAverage Monthly Rate
Jupiter Auto Insurance$26.24
USAA$60.31
Erie$67.60
Penn National$70.36
Nationwide$71.29

Cheapest Insurance for 50 Year-olds in Bethlehem

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Bethlehem we found that Penn National generally offers the most affordable coverage at $57.18 per month.

CompanyAverage Monthly Rate
Penn National$57.18
USAA$61.74
Erie$66.99
Nationwide$70.63
State Farm$70.86

Cheapest Insurance for 60 Year-olds in Bethlehem

If you live in Bethlehem and you’re in your 60s, our data indicates that Penn National usually has the best rates at $61.21 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Penn National$61.21
USAA$65.48
Nationwide$67.81
State Farm$71.73
Auto-Owners Insurance Co$79.40

Driver's Coverage Auto Insurance Rates in Bethlehem, PA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Bethlehem, the average monthly rate for a driver who is currently insured is $75.62 while drivers who are not currently covered will pay around $143.30.

CoverageAverage Monthly Rate
Not Currently Insured $143.30
Currently Insured $75.62

Compare Recent Car Insurance Quotes in Bethlehem

auto insurance quotes in Bethlehem city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Bethlehem a driver of a 2013 Honda Civic can expect to pay around $64.18 per month while someone that owns a 2013 Hyundai Elantra Gt may pay around $64.62 per month. Check out the list of recent quotes in Bethlehem below.

VehicleAverage Monthly Rate
2013 Honda Civic$64.18
2013 Hyundai Elantra Gt$64.62
2018 Chevrolet Cruze$289.73
2021 Toyota Avalon$1.00
2011 Ford Mustang$176.73
2018 Nissan Maxima$410.33
2015 Nissan Altima$389.13
2015 Nissan Altima$389.13
2015 Nissan Altima$389.13
2006 Honda Civic$85.33

FAQ's for Drivers in Bethlehem, PA

driver’s frequently asked question in Bethlehem

What Is the Minimum Liability Coverage Requirement in Bethlehem, PA?

Every state requires drivers to have a minimum amount of liability coverage. Pennsylvania drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Pennsylvania, you are legally required to obtain both liability insurance and personal injury protection.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Bethlehem, PA?

It is illegal for an individual to operate a motor vehicle in Pennsylvania with the following BAC percentages:

.08%+ @ 21 years old or older

.04%+ for commercial vehicle drivers

.01%+ @ < 21 years old

What happens if I don’t have insurance or my coverage lapses?

Since liability insurance is a minimum requirement in your state (and most others), there are penalties for being caught driving without it. The fines are as high as $300 and you risk registration suspension, license suspension, and an impounded car. Don’t take the chance!

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Commute Time in Bethlehem, PA

23.6 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Bethlehem, PA

405

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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