Harrisburg Car Insurance

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

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What Is the Average Cost of Car Insurance in Harrisburg?

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 Harrisburg typically pay around $105.75 per month compared to the national average of $141.72 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 $141.72
Pennsylvania $133.67
Harrisburg, Pennsylvania $105.75

Harrisburg, PA Best Car Insurance Companies

car insurance in Harrisburg

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, Penn National generally has the most affordable car insurance in Harrisburg coming in around $79.49 per month. Other companies to consider if you live in Harrisburg is Erie with an average cost of $79.88 per month and Clearcover which typically runs around $80.86 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Harrisburg.

RankCompanyAverage Monthly RateComparison State Average
1 Penn National $79.49-40.53%
2 Erie $79.88-40.24%
3 Clearcover $80.86-39.51%
4 State Farm $87.11-34.83%
5 Auto-Owners Insurance Co $94.76-29.11%
6 Verti Insurance $97.36-27.16%
7 Atlantic States Insurance $100.11-25.10%
8 Nationwide $105.44-21.12%
9 Allied $111.01-16.95%
10 SafeAuto $113.55-15.05%

How Much is Car Insurance in Harrisburg, PA?

how much is auto insurance in Harrisburg

Rates can vary from city to city. The residents of Allentown typically pay $128.10 per month while people who live in Bethlehem will pay $117.93 per month on average. See what people pay for car insurance in other cities in Pennsylvania.

Pennsylvania CitiesMonthly Average Rate
Allentown $128.10
Bethlehem $117.93
Erie $116.31
Harrisburg $106.38
Lancaster $105.92
New Castle$101.29
Philadelphia $205.27
Pittsburgh $121.20
Reading $119.13
Scranton $109.77
Valley Forge$73.61
Wilkes Barre $104.05
York $108.01

Cheap Car Insurance in Harrisburg by Zip Codes

find cheap auto insurance in Harrisburg

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.

Harrisburg, PA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Harrisburg

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $249.16 per month in Harrisburg. Compare that to drivers in their 30’s who typically pay around $90.66 per month drivers in their 40s at $92.15 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

Cheapest Insurance for Teenage Drivers in Harrisburg

If you are teen in Harrisburg 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, Penn National typically charges around $186.50 per month. This is likely the most affordable option in Harrisburg. You might also want to consider SafeAuto and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Penn National$186.50
State Farm$225.73

Cheapest Insurance for 20 Year-olds in Harrisburg

20 year-olds in Harrisburg might want to consider Clearcover who, on average, offers car insurance rates around $95.11 per month. Verti Insurance , Erie , Penn National and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Verti Insurance$107.23
Penn National$118.15
State Farm$123.45

Cheapest Insurance for 30 Year-olds in Harrisburg

If you are in your 30s in Harrisburg our research has found that National General typically has the most affordable coverage coming in around $63.96 per month, followed by Penn National at $70.70 and Erie at $74.15.

CompanyAverage Monthly Rate
National General$63.96
Penn National$70.70
State Farm$80.47

Cheapest Insurance for 40 Year-olds in Harrisburg

On average, Penn National offers car insurance for 40 year-olds in Harrisburg for around $54.04 per month. If you are looking for affordable coverage, you may also want to consider Erie or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
Penn National$54.04
State Farm$71.43
Auto-Owners Insurance Co$78.34

Cheapest Insurance for 50 Year-olds in Harrisburg

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Harrisburg we found that Penn National generally offers the most affordable coverage at $42.68 per month.

CompanyAverage Monthly Rate
Penn National$42.68
State Farm$65.09
Auto-Owners Insurance Co$70.03

Cheapest Insurance for 60 Year-olds in Harrisburg

If you live in Harrisburg and you’re in your 60s, our data indicates that Penn National usually has the best rates at $50.53 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Penn National$50.53
State Farm$62.66
Atlantic States Insurance$63.81

Driver's Coverage Auto Insurance Rates in Harrisburg, 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 Harrisburg, the average monthly rate for a driver who is currently insured is $94.55 while drivers who are not currently covered will pay around $119.55.

CoverageAverage Monthly Rate
Not Currently Insured $119.55
Currently Insured $94.55

Compare Recent Car Insurance Quotes in Harrisburg

auto insurance quotes in Harrisburg 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 Harrisburg a driver of a 2013 Dodge Dart can expect to pay around $326.91 per month while someone that owns a 2011 Chevrolet Traverse may pay around $50.02 per month. Check out the list of recent quotes in Harrisburg below.

VehicleAverage Monthly Rate
2013 Dodge Dart$326.91
2011 Chevrolet Traverse$50.02
2005 Jeep Grand Cherokee$47.12
2016 Dodge Journey$62.63
2010 Hyundai Tucson$76.40

FAQ's for Drivers in Harrisburg, PA

driver’s frequently asked question in Harrisburg

What Is the Minimum Liability Coverage Requirement in Harrisburg, 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 Harrisburg, 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!

Check Out Other Rates in Harrisburg, PA Nearby Cities:

Lancaster, PA

York, PA


Commute Time in Harrisburg, PA

20.3 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Harrisburg, PA


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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