Cheapest Car Insurance In Harrisburg, PA
State Farm provides Harrisburg drivers with the most affordable minimum car insurance, typically costing $49 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The price of car insurance in Harrisburg, PA, can be all over the place when hunting for the lowest rate.
State farm is the top pick for the most affordable liability-only insurance. Those needing full coverage get the best rates from Plymouth Rock, while young drivers save the most with Clearcover.
Cheapest Car Insurance Companies In Harrisburg, PA 2025
Cheapest Liability-only Car Insurance In Harrisburg: State Farm
If affordability is a priority, State Farm has the cheapest minimum coverage in Harrisburg, averaging $49 a month.
Review the table below to evaluate the rates of various insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $49 | $588 |
| Erie | $56 | $672 |
| Auto-Owners | $61 | $732 |
| GEICO | $74 | $888 |
| Allstate | $85 | $1,020 |
Cheapest Full Coverage Insurance Rates In Harrisburg: Plymouth Rock
The lowest-priced full coverage car insurance in Harrisburg comes from Plymouth Rock, with typical quotes of $119 a month.
The table below outlines average quotes from Harrisburg’s most affordable car insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Plymouth Rock | $119 | $1,428 |
| National General | $146 | $1,752 |
| Erie | $120 | $1,440 |
| Auto-Owners | $131 | $1,572 |
| Progressive | $157 | $1,884 |
Cheapest Car Insurance Rates For Seniors: State Farm
Seniors looking for affordable car insurance in Harrisburg will find State Farm has the lowest rates at $62 per month.
Senior drivers can find the most affordable car insurance rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $62 | $744 |
| Erie | $65 | $780 |
| Penn National | $64 | $768 |
| Auto-Owners | $71 | $852 |
| Atlantic State | $72 | $864 |
Cheapest Rates In Harrisburg For Teenagers: Safeco
At $126 per month on average, Safeco provides the lowest-cost insurance for teen drivers in Harrisburg.
Teen drivers can find the most affordable insurance providers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $126 | $1,512 |
| Jupiter Auto | $128 | $1,536 |
| Allied | $130 | $1,560 |
| Travelers | $135 | $1,620 |
| SafeAuto | $138 | $1,656 |
Cheapest Auto Insurance For Young Adults in Harrisburg: Clearcover
The most affordable car insurance for young adults in Harrisburg comes from Clearcover, with an average cost of $66 per month.
The table below provides an overview of the best-priced car insurance options for young adults in Harrisburg.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $66 | $792 |
| SafeAuto | $105 | $1,260 |
| Jupiter Auto | $69 | $828 |
| National General | $107 | $1,284 |
| Erie | $120 | $1,440 |
Cheapest Car Insurance In Harrisburg For Good Drivers: State Farm
Safe drivers in Harrisburg can secure the most affordable car insurance with State Farm, which offers rates around $49 a month.
The chart below highlights the best insurance rates for good drivers based on average quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $49 | $588 |
| Erie | $56 | $672 |
| Auto-Owners | $61 | $732 |
| GEICO | $74 | $888 |
| Allstate | $85 | $1,020 |
Find affordable Harrisburg rates
Cheapest Car Insurance In Harrisburg After A Speeding Ticket: Erie
With an average premium of $71 per month, Erie is one of the most cost-effective choices for Harrisburg drivers who have a speeding ticket.
If you’ve had a speeding violation, use the table below to see average insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $71 | $852 |
| Travelers | $87 | $1,044 |
| Auto-Owners | $78 | $936 |
| GEICO | $90 | $1,080 |
| Allstate | $102 | $1,224 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
If you’ve had an at-fault incident, Auto-Owners provides the cheapest car insurance, with typical rates of $77 per month.
These insurance companies provide the lowest rates for drivers with a past at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $77 | $924 |
| Travelers | $93 | $1,116 |
| Erie | $78 | $936 |
| GEICO | $95 | $1,140 |
| Direct Auto | $118 | $1,416 |
Cheapest Rates In Harrisburg For Drivers After A DUI: Erie
Erie provides the most cost-effective insurance for drivers after a DUI, with Harrisburg rates averaging $87 per month.
Harrisburg drivers with a DUI can refer to the table below for a breakdown of the cheapest insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $87 | $1,044 |
| Travelers | $112 | $1,344 |
| Progressive | $117 | $1,404 |
| Auto-Owners | $94 | $1,128 |
| GEICO | $115 | $1,380 |
Best Car Insurance Companies In Harrisburg
Drivers in Harrisburg can secure the most affordable insurance from State Farm at $49 per month, with Mile Auto and Erie available at slightly higher rates of $53 and $56.
The chart below highlights the 10 best car insurance companies in Harrisburg, PA, ranked by their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $49 |
| Erie | $56 |
| Auto-Owners | $61 |
| GEICO | $74 |
| Allstate | $85 |
| Mile Auto | $53 |
| National General | $67 |
| Progressive | $76 |
| Nationwide | $95 |
| USAA | $98 |
Average Auto Insurance Rates In Harrisburg – By Age
Car insurance premiums are largely based on age, with younger drivers being charged higher rates due to their inexperience and higher accident probability. Teen drivers usually pay around $3,632 annually.
As long as they maintain a safe record, drivers generally see their premiums drop around age 25.
Insurance companies typically reward drivers in their 50s and early 60s with lower premiums since age is a key factor in assessing risk.
| Age | Average Yearly Rate |
| Teenagers | $3,632 |
| 20s | $1,888 |
| 30s | $1,237 |
| 40s | $1,305 |
| 50s | $1,386 |
| 60s | $1,215 |
| 70s | $1,079 |
Average Rates In Harrisburg – By Vehicle
Your car’s specifications—such as make, model, and year—play a major role in determining insurance costs. Newer luxury cars with costly technology tend to be the most expensive to insure.
Use the table below to explore how insurance rates differ for various cars in Harrisburg.
| Vehicle | Average Monthly Rate |
| Toyota Rav4 | $335 |
| Chevrolet Equinox | $194 |
| Honda Odessy | $169 |
| Honda Civic | $96 |
| Dodge Journey | $117 |
Average Cost Of Auto Insurance In Harrisburg – By Zip Code
Zip codes help insurers assess local risks like crime, which is why car insurance rates vary by location.
Use the table below to explore how car insurance rates vary across Harrisburg zip codes.
| City | Average Monthly Rate |
| 17112 | $112 |
| 17110 | $115 |
| 17113 | $127 |
| 17090 | $150 |
| 17106 | $118 |
How Much Is Car Insurance In Other Cities in Pennsylvania?
Your car insurance costs are determined in part by your city. More accidents, theft, and vandalism in urban locations often mean higher premiums.
Philadelphia drivers can expect to pay an average of $236 per month for car insurance, compared to $73 per month for Valley Forge residents.
| City | Average Monthly Rate |
| Bethlehem | $147 |
| Lancaster | $133 |
| Erie | $139 |
| Pittsburgh | $144 |
| Johnstown | $109 |
| Wilkes Barre | $124 |
| Scranton | $134 |
| Philadelphia | $236 |
| Allentown | $157 |
| Valley Forge | $73 |
Find affordable Harrisburg rates
Our Methodology
Taking into account customer feedback, policy variety, cost, and online ratings, I’ve developed a thorough breakdown of car insurance providers in Harrisburg, PA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Harrisburg?
Harrisburg drivers seeking affordable insurance will find State Farm has the cheapest minimum coverage, while Plymouth Rock provides the best rates for full coverage with comprehensive and collision benefits.
What is the average cost of car insurance in Harrisburg?
On average, Harrisburg residents pay $130 monthly for car insurance, though individual rates vary based on location, vehicle, and past driving history.
