Buy Cheap Harrisburg, PA Auto Insurance (2022)

Harrisburg, PA auto insurance rates average $325 a month. Minimum auto insurance requirements in Harrisburg, Pennsylvania are 15/30/5 to comply with Pennsylvania laws. To buy cheap auto insurance in Harrisburg, PA, compare Harrisburg auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Harrisburg, PA are $325/month
  • The most expensive auto insurance company in Harrisburg is Travelers
  • The most expensive auto insurance company in Harrisburg after a DUI is Travelers

Finding affordable Harrisburg, Pennsylvania auto insurance can be challenging, but everything you need to know to buy cheap Harrisburg, PA auto insurance with confidence is right here. Auto insurance rates in Harrisburg are affected by local factors as well as personal ones like your driving record.

See how Harrisburg, PA car insurance rates compare to Erie auto insurance rates, Philadelphia auto insurance rates, and Lancaster auto insurance rates before you read more about the cost of auto insurance in Harrisburg.

Don’t buy Harrisburg, PA auto insurance until you’ve compared rates. Get free Harrisburg, Pennsylvania auto insurance quotes when you enter your ZIP code above.

Harrisburg, PA Minimum Auto Insurance Requirements

The required auto insurance in Harrisburg, PA is 15/30/5 according to the auto insurance laws in Pennsylvania. The minimum auto insurance in Harrisburg, Pennsylvania is outlined here.

Minimum Required Auto Insurance Coverage in Harrisburg, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Find Cheap Harrisburg, PA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Harrisburg, PA. Take a look at Harrisburg, Pennsylvania auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Harrisburg, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,406 $3,284 $2,648
GEICO $3,694 $2,083 $1,611
Liberty Mutual $7,820 $5,604 $4,948
Nationwide $3,132 $2,583 $2,305
Progressive $5,657 $3,981 $3,199
State Farm $4,136 $2,559 $2,018
Travelers $8,341 $7,552 $7,142
USAA $1,983 $1,478 $1,311

Buy Cheap Harrisburg, PA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Harrisburg, Pennsylvania auto insurance rates? Find out how car insurance rates in Harrisburg, PA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Harrisburg, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,151 $2,151 $1,997 $1,997 $7,288 $7,288 $2,349 $2,349
GEICO $1,918 $1,661 $1,826 $1,581 $4,889 $4,240 $1,922 $1,664
Liberty Mutual $4,018 $4,018 $3,682 $3,682 $11,700 $11,700 $5,096 $5,096
Nationwide $1,805 $1,805 $1,712 $1,712 $5,147 $5,147 $2,029 $2,029
Progressive $2,655 $2,655 $2,375 $2,375 $8,704 $8,704 $3,382 $3,382
State Farm $1,742 $1,742 $1,547 $1,547 $6,399 $6,399 $1,930 $1,930
Travelers $1,688 $1,688 $1,831 $1,831 $25,172 $25,172 $2,022 $2,022
USAA $1,016 $1,016 $922 $922 $3,083 $3,083 $1,341 $1,341

Buy Cheap Harrisburg, PA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Harrisburg can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Harrisburg, PA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Harrisburg, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,288 $7,288
GEICO $4,889 $4,240
Liberty Mutual $11,700 $11,700
Nationwide $5,147 $5,147
Progressive $8,704 $8,704
State Farm $6,399 $6,399
Travelers $25,172 $25,172
USAA $3,083 $3,083

Buy Cheap Harrisburg, PA Auto Insurance for Seniors

You can save on senior auto insurance rates in Harrisburg, Pennsylvania by comparing Harrisburg senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Harrisburg, PA here.

Annual Auto Insurance Rates for Senior Drivers in Harrisburg, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,997 $1,997
GEICO $1,826 $1,581
Liberty Mutual $3,682 $3,682
Nationwide $1,712 $1,712
Progressive $2,375 $2,375
State Farm $1,547 $1,547
Travelers $1,831 $1,831
USAA $922 $922

Find Cheap Auto Insurance Rates in Harrisburg, PA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Harrisburg, Pennsylvania auto insurance. Compare Harrisburg, PA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Harrisburg, Pennsylvania

Insurance Company Low Medium High
Allstate $3,297 $3,467 $3,575
GEICO $2,243 $2,489 $2,656
Liberty Mutual $5,818 $6,169 $6,385
Nationwide $2,691 $2,711 $2,618
Progressive $3,899 $4,320 $4,617
State Farm $2,712 $2,946 $3,055
Travelers $7,714 $7,694 $7,627
USAA $1,460 $1,607 $1,705

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Find Cheap Harrisburg, PA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Harrisburg. Compare auto insurance rates in Harrisburg, PA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Harrisburg, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,376 $3,516
GEICO $2,425 $2,500
Liberty Mutual $5,968 $6,281
Nationwide $2,673 $2,673
Progressive $4,279 $4,279
State Farm $2,819 $2,990
Travelers $7,678 $7,678
USAA $1,545 $1,636

Find Cheap Harrisburg, PA Auto Insurance Rates by ZIP Code

Auto insurance rates in Harrisburg, Pennsylvania can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Harrisburg, PA to see how much where you live in Harrisburg affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Harrisburg, Pennsylvania

ZIP Code Average Annual Rates
17101 $4,849
17102 $4,956
17103 $4,961
17104 $5,091
17109 $4,426
17110 $4,627
17111 $4,454
17112 $4,231
17113 $4,511
17129 $5,003

Find Cheap Harrisburg, PA Auto Insurance Rates by Driving Record

Auto insurance rates in Harrisburg, Pennsylvania are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Harrisburg, PA, take a look at the average cost for various violations versus rates for a clean driving record in Harrisburg.

Annual Harrisburg, Pennsylvania Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,299 $3,888 $3,299 $3,299
GEICO $1,816 $3,113 $2,420 $2,502
Liberty Mutual $5,563 $6,424 $6,255 $6,255
Nationwide $1,930 $2,586 $3,598 $2,579
Progressive $3,873 $5,382 $3,983 $3,877
State Farm $2,640 $3,169 $2,904 $2,904
Travelers $5,423 $7,749 $9,792 $7,749
USAA $1,280 $1,768 $1,885 $1,429

Find Cheap Harrisburg, PA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Harrisburg, Pennsylvania is higher than for a clean driving record. You can buy auto insurance after a DUI in Harrisburg for less when you shop around and compare rates from multiple Harrisburg, PA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Harrisburg, Pennsylvania

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,299
GEICO $2,420
Liberty Mutual $6,255
Nationwide $3,598
Progressive $3,983
State Farm $2,904
Travelers $9,792
USAA $1,885

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Winners by Category: Where to Buy Cheap Auto Insurance in Harrisburg, PA

Compare rates from the cheapest auto insurance companies in Harrisburg, PA for your needs. Take a look at how Harrisburg, Pennsylvania auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Harrisburg, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Find Cheap Harrisburg, Pennsylvania Auto Insurance Companies

If you’re looking for the cheapest Harrisburg, PA auto insurance companies overall, you can compare them here. Find the best price for Harrisburg, Pennsylvania car insurance by company.

Average Annual Auto Insurance Rates by Company in Harrisburg, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,446
GEICO $2,463
Liberty Mutual $6,124
Nationwide $2,673
Progressive $4,279
State Farm $2,904
Travelers $7,678
USAA $1,590

What affects Harrisburg, Pennsylvania auto insurance rates?

Local factors affect auto insurance rates in Harrisburg, PA, including traffic, theft statistics, and commute length. Take a look at the things that impact Harrisburg auto insurance rates.

Commute Times in Harrisburg

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Harrisburg, PA is 19.6 minutes according to City-Data.

Traffic in Harrisburg

How is traffic in Harrisburg, Pennsylvania? Inrix data shows that Harrisburg, PA traffic makes it the 361st-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Harrisburg, PA

You can buy cheap Harrisburg, PA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Harrisburg, Pennsylvania auto insurance quotes from top companies.

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