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UPDATED: Mar 5, 2020
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|City Density per Square Mile||6,837 people|
|Average Cost of Insurance in Allentown||$5,358.83|
|Cheapest Car Insurance Company(s)||USAA &|
|Road Conditions||27% Poor |
Allentown, Pennsylvania, has been around since 1762, more than 250 years. It has some interesting history, which includes the Liberty Bell being hidden in a church in the town during the Revolutionary War. The Liberty Bell Museum documents this history for visitors from around the world.
If you live in Allentown, are considering moving there, or are ready to find more affordable insurance rates with the coverage you need, you’re in the right place.
We’ve brought you data on insurance rates based on several different variables and demographics, crime rates, most affordable insurance coverage options, and more to make sure you have the information you need. Even if you’re into the spooky-spooks, we’ve got you covered in this article about collisions on Friday the 13th.
Ready to get started on finding the best car insurance for you and your household? Keep reading and use your ZIP code to get a free quote on car insurance today!
The Cost of Car Insurance in Allentown
We know car insurance can be expensive. What is affordable? How do you know which insurance company is best for your lifestyle? These are all questions you may ask yourself as you try to find the best coverage at the best price for you and your household.
With the hundreds of options at your fingertips, all with varying prices and coverage levels, how do you sort through all the possibilities?
Not to worry. We’ve collected all the information you need to make the best insurance policy purchase in Allentown, including average rates, what factors insurance companies consider when adjusting rates, and more.
Check out the next few sections to learn more about average car insurance rates in Allentown and how different factors can be applied to your decision-making process.
Male vs. Female vs. Age
Age and gender are both significant factors most insurance companies consider when adjusting your insurance rates. The younger you are, the higher your insurance rates will be, in general. Men also pay more for insurance than women (though this is not always the case).
Take a look at this table to see how age can affect your annual average rates while keeping in mind that the median age in Allentown is 31.8 years old.
|City||35 years old||60 years old||17 years old||25 years old||Cheapest Rate|
Of all 1,550 instances of age rates pulled from Quadrant, the cheapest rate for each was always in the category for drivers age 60 or older. However, since the median age of Allentown is 31.8 years old, those people might not be getting the cheapest rate. However, they will probably be getting close to the second-cheapest rate if they are around or above the median age.
Now that we’ve looked at age, let’s take a look at gender. It is still legal in Pennsylvania for car insurance companies to use gender as a factor in adjusting rates (though many are lobbying for this to change, as it is discriminatory toward those who do not identify as gender-binary). We’ve calculated the average insurance rates for men and women in Allentown to see if gender is a factor in the city:
- Average premium for men – $4,300.91
- Average premium for women – $4,325.93
In fact, the opposite is true in Allentown. Across all the Quadrant data we reviewed, men consistently paid less for car insurance than women.
As we can see so far, both age and gender are factors in what you’ll pay for insurance in Allentown. But what about relationship status? Does being married affect your rates in Allentown? This table combines age and gender rate data with marital status to see if it has any effect.
|Married 60-year-old male||$2,158.85|
|Married 60-year-old female||$2,194.04|
|Married 35-year-old male||$2,308.94|
|Married 35-year-old female||$2,346.00|
|Single 25-year-old male||$2,730.39|
|Single 25-year-old female||$2,767.45|
|Single 17-year-old male||$9,905.38|
|Single 17-year-old female||$9,996.23|
Married, 35- and 60-year-old drivers pay less for insurance than single, 25-year-old drivers. And consistent with the data we’ve looked at already, 60-year-old drivers will pay the least for car insurance coverage. Determining how much of an effect marital status has versus age is difficult, but one reason it might be is that insurance companies often consider married couples to be lower risk.
Cheapest ZIP Codes in Allentown
Crime and accident statistics factor into your rates, as well. Insurance companies want to know what kind of risk they are accepting when selling you a policy. In other words, is the area where you spend much of your time living and driving going to be risky because it has a high crime or accident rate?
One way companies determine this is by looking at the ZIP code in which you reside and pulling the associated crime and accident statistics. With this in mind, take a look at the below table to see which ZIP codes in Allentown have the most affordable insurance rates.
|ZIP Code||Average Annual Rate|
As the above table shows, the cheapest ZIP code in Allentown for car insurance rates is 18106 at $5,061.02, compared to the most expensive ZIP code, 18102, whose average rate is $5,857.33. This means the most expensive average annual insurance rate is about 15 percent higher than the least expensive average annual rate, by ZIP code.
We did a quick search to find out a bit more about the most and least expensive ZIP codes in Allentown and found that the cheapest ZIP code (18106) is a fairly affluent area with below-average crime rates.
By contrast, ZIP code 18102 (which is the most expensive) is a much lower income area, with crime rates that are significantly higher than the national average. This makes sense, given that insurance companies typically use ZIP code data to adjust your rates based on the associated crime and accident statistics for each ZIP code.
What’s the best car insurance company in Allentown?
This question is worth some consideration, but the answer is not as simple as you might think. How exactly do you determine which is the best insurance company in your area?
We’ll be looking at this from a pricing perspective, but even then, the answer varies based on your specific circumstances. The major insurance companies we’ll be looking at consider the same factors when adjusting your insurance but weigh them differently.
For example, if you have a significant commute, some insurance companies will be better for you than others, while if you have a poor credit score, a different company may be the best fit for you. Keep reading to learn more about these different factors compared to the various rates offered by major insurance companies in your area.
Cheapest Car Insurance Rates by Company
To get an idea of what car insurance rates are across the major insurance companies in Allentown, we’ve pulled average rate data for eight of the primary insurers based on the gender, age, and marital status factors we’ve already discussed. Take a look below.
|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||Average|
The above insurance companies are in order from least to most expensive based on their overall average rates (the last column in the table). However, for different ages and genders, companies are more or less affordable.
As you can see, USAA has the cheapest rates across the board whether you’re married or single, for all ages and genders. However, USAA is not available to all drivers in Allentown — only those who are members of the military and their families.
With this in mind, minus USAA and all else being equal, we’ve noted the cheapest rate for each age and gender category across all the listed categories in the below list.
- Single, 17-year-old female: Geico at $5,464.63
- Single, 17-year-old male: Geico at $4,737.77
- Single, 25-year-old female: State Farm at $2,128.11
- Single, 25-year-old male: Geico at $1,896.27
- Married, 35-year-old female: Travelers at $1,855.56
- Married, 35-year-old male: Travelers at $1,855.56
- Married, 60-year-old female: State Farm at $1,704.33
- Married, 60-year-old male: State Farm at $1,704.33
Best Car Insurance for Commute Rates
Many car insurance companies consider commute when adjusting your rates, because the more miles you drive on the road, the higher your risk of getting in a car accident. But like all the factors we’re considering in this section, companies weigh this differently.
On average, Pennsylvania drivers log 11,203 miles a year (based on data from 2014). The national average is 14,132 miles annually, so drivers in Pennsylvania typically drive about 21 percent fewer miles than drivers across the nation.
This table compares average rates across the major car insurance companies in your area based on a 6,000-mile annual commute (which is 46 percent lower than the average annual Allentown commute) and a 12,000-mile annual commute (which is only 7 percent more than the city average).
|Insurance Company||10 miles commute. 6000 annual mileage.||25 miles commute. 12000 annual mileage.||Average|
Again USAA is by far the most affordable, regardless of commute mileage; on average, their rates for either commute distance are 32 percent lower than the next most affordable insurer (in this case, Geico).
Three of the listed companies (Nationwide, Progressive, and Travelers) don’t increase their rates at all based on commute distance. Since the average Pennsylvania driver hits near the 12,000-mile annual commute distance, this is good news.
The remaining companies increase their rates between 3 and 6 percent from the 6,000-mile annual average to the 12,000-mile average. Since some increases do occur, you need to keep this factor in mind as you compare insurance companies, taking into consideration how many miles you typically drive.
Best Car Insurance for Coverage Level Rates
What is the right coverage level for you? Do you need medium coverage? Do you live in an area with higher crime rates, meaning your car is likelier to be stolen or vandalized? If so, high coverage may be a better choice for you, though this might result in you paying higher insurance premiums.
Only you can determine which coverage level is right for you, based on the variables you face combined with the cost and what risks you’re willing to accept.
In this table, we compare the average rates for high, medium, and low coverage, as offered by the same primary insurers.
|Insurance Company||High Coverage||Low Coverage||Medium Coverage||Average|
Most of the companies increase their rates for each increasing level of coverage. The exceptions to this are Nationwide and Travelers, whose rates for high coverage are about 2 percent lower than their average rates for low coverage. Below, we’ve listed the companies with the best rates for each level of coverage, so if you determine which level of coverage is right for you, you can see which companies are the most affordable.
- High coverage – USAA and Nationwide, $2,027.27 and $2,828.67 respectively
- Medium coverage – USAA and Geico, $1,918.08 and $2,812.95 respectively
- Low coverage – USAA and Geico, $1,749.72 and $2,507.59 respectively
Best Car Insurance for Credit History Rates
Did you know your credit score can affect more than your interest rates or ability to secure a loan? Many insurance companies consider credit score when adjusting rates because they infer that if you have a good credit score, you’ll be responsible in other areas of your life, including your driving habits.
This means if you have a good credit score, you’ll likely have a lower insurance rate that someone with a fair or poor credit score.
Take a look at the below table to see just how much your credit score may affect your insurance rates.
|Insurance Company||Fair Credit||Good Credit||Poor Credit||Average|
While USAA and Geico have the most affordable overall rates, they aren’t the most affordable from the perspective of the percent increase for different credit scores. For reference, we’ve listed the scores for good, fair, and poor credit according to Experian as well as the overall average rates for each category:
- Good credit (670+) – $3,470.22
- Fair credit (580-669) – $4,021.64
- Poor credit (300-579) – $5,410.86
The percent increases for fair and poor credit compared to good credit vary widely, with the lowest increase at 6 percent for fair versus good and the highest being 30 percent for the same, while the lowest increase for poor credit is 21 percent and the highest is 78 percent.
If you have fair or poor credit instead of good credit, you might consider Travelers or Nationwide, as they have the lowest percent increases for good versus fair credit, with a 6 and 12 percent increase, respectively, and the lowest increases for poor versus fair credit, with a 10 and 20 percent increase, respectively.
Regardless of your credit score, this is yet another factor to keep in mind as you shop for the best insurer and policy for your needs.
Best Car Insurance for Driving Record Rates
As you might expect, your driving record can have a significant impact on your insurance. If you have a good driving record, insurance companies will assume you’re a responsible driver and therefore less risky for them to insure. However, if you have a poor driving record (or even just a speeding ticket or two), insurance companies will consider you a higher risk both for further infractions against your record and possible accidents.
What does this look like in Allentown? Take a look at this table to see how insurers in the city adjust rates based on a record with one car accident, one DUI, and one speeding violation, compared to a clean record.
|Insurance Company||Clean record||With 1 accident||With 1 DUI||With 1 speeding violation||Average|
Overall, USAA and Geico are consistently the most affordable. However, their percent increases for the various traffic violations listed in the table versus a clean driving record are quite significant.
- If you’ve been in an accident, your rates will increase by 38 percent with USAA and 72 percent with Geico
- If you’ve been ticketed for speeding, you rates will increase by 12 percent with USAA and 38 percent with Geico
- If you’ve been convicted of DUI, your rates will increase by 48 percent with USAA and 34 percent with Geico
However, other companies do not weigh each violation as heavily (though most significantly increase their rates for DUI, regardless of how they handle the other two traffic violations). From the perspective of percent change, the below companies are your best option for each violation:
- If you’ve been in an accident, Liberty Mutual has the lowest increase at 15 percent
- If you’ve been ticketed for speeding or convicted of DUI, Allstate doesn’t increase their rates at all
Car Insurance Factors in Allentown
While the factors we’ve considered so far affect rates of individual drivers, larger variables can affect the overall insurance rates offered by companies in a given area. Over the next few sections, we consider several citywide factors in Allentown, including the growth of the city, household incomes, homeownership rates, education levels, and more.
Keep reading to learn more about these citywide factors and how they can affect the car insurance rates offered in your area.
Metro Report – Growth & Prosperity
Growth and prosperity in a given area can affect the population, crime rates, local economy, and more, and all these factors can affect the insurance rates offered in that area. Allentown, PA, is no exception.
According to a recent Metro Report by Brookings Institute, prosperity in Allentown (which for this study is combined with Bethlehem, PA, and Easton, NJ, to create a larger metro area) is on the rise. From 2007 to 2017:
- Productivity increased by 6.9 percent, ranking it 36 out of 100 metropolitan areas across the United States
- Standard of living increased by 8.5 percent, ranking it 21 out of 100 metropolitan areas
- Average annual wages increased by 4.1 percent, ranking it 63 out of 100 metropolitan areas
But what does this mean? Productivity (an increase based on innovation or an upgrade of workers’ skills) and wage increases directly affect the standard of living in a given area. In this case, because both increased in Allentown, the standard of living also increased. The overall ranking for the Allentown-Bethlehem-Easton metropolitan area is 36 out of 100.
Growth is also mostly on the rise in the Allentown-Bethlehem-Easton metropolitan area.
- Jobs overall increased by 5.7 percent, ranking it 53 out of 100 metropolitan areas across the United States
- Gross metropolitan product (GMP) increased by 13 percent, ranking it 46 out of 100 metropolitan areas
- Jobs at young firms decreased by 8.4 percent, ranking it at 30 out of 100 metropolitan areas
Job growth is a positive sign, as is the increase in GMP (which implies that goods and services increased overall). However, the decrease in jobs at young firms indicates a decrease in the effect of entrepreneurial employment on the area.
As a whole, the metropolitan area is showing a continued rise in jobs, wages, and standard of living, which is good for you as a resident and for your car insurance rates. As incomes (and standard of living) increase, crime rates will likely decrease, and we can guess that your car insurance rates will decrease, as well.
Median Household Income
Now that we’ve looked at the growth and prosperity numbers for the area, what does this mean for household incomes? What does the average family household bring home each year in Allentown, and how does this compare to the percent of income spent on car insurance coverage?
Let’s start with household income. According to DataUSA, the median household income in Allentown in 2017 was $38,522, compared to the median income for the Allentown-Bethlehem-Easton metropolitan area of $62,479, which is 62 percent higher than Allentown alone (recall in the previous section that the growth and prosperity data was for the metropolitan area, rather than only for Allentown).
Additionally, the U.S. median income ($57,652) is almost 50 percent higher than the Allentown median income, and the Pennsylvania state average is 48 percent higher.
Now that we know what the median income looks like in Allentown, how much of this can residents expect to allocate for car insurance?
|% of Income|
Based on the average insurance rates in the city, almost 14 percent of the median income is spent on car insurance. With this in mind, price and affordability are probably some of the most important (if not the most important) factors Allentown drivers consider when shopping for an insurance policy.
Homeownership in the Allentown
Do you own your home? If so, you may reap some benefits from your car insurance company in the form of lower rates. Why? Similar to a credit score, owning a home is seen as a sign of responsibility. If you are responsible in one area of your life, many car insurance companies believe that you’ll be responsible on the road, as well.
Purchasing both car and homeowners insurance from the same insurer (which allows them to bundle your policies) can result in lower rates. Thus, from the perspective of car insurance rates, homeownership is positive.
What does homeownership look like in Allentown? About 43.4 percent of residents own their homes. Let’s contrast this average with a few other homeownership statistics to see how Allentown compares:
- The national average for homeownership is 63.9 percent. This means the national average is 47 percent higher than the Allentown average for homeownership.
- The Pennsylvania state average for homeownership is 69 percent. This means the Pennsylvania average is 58.99 percent higher than the Allentown average for homeownership.
- The Allentown-Bethlehem-Easton metropolitan area’s average for homeownership is 69.3 percent. This means the national average is 59.68 percent higher than the Allentown average for homeownership.
Education in Allentown
Education can be a primary factor in wages, incomes, and standard of living. Although we don’t cover it in detail here, some insurance companies consider education level when adjusting rates (again, if you make responsible choices in education, they expect your driving habits to be responsible as well).
The Allentown area has a few educational institutions from which residents can get degrees. In total, the schools awarded 1,216 degrees in 2017.
- Muhlenberg College (697 degrees, or 57.3 percent of the education market share)
- Ceder Crest College (430 degrees, or 35.4 percent of the education market share)
According to DataUSA, the most commonly chosen majors across the primary college educational institutions in Allentown are general business administration and management, registered nursing, and general psychology.
They also have several technical and trade schools in the area from which students can get various certifications and two-year degrees. These include:
- Welder Training and Testing Institute (55 degrees, 4.52 percent of the education market share)
- Lincoln Technical Institute-Allentown
- Metro Beauty Academy
- The Vision Academy
- The International Academy of Medical Reflexology
Wage by Race & Ethnicity in Common Jobs
Using statistics from DataUSA, we’ve put together a table that provides average income by race and ethnicity in a few of the most common job families.
|Job Title||Asian||American Indian||White||Black||Other||Two or more races|
|Driver/Sales Workers & Truck Drivers||$32,226||$33,688||$42,393||$38,994||$37,385||$34,183|
|Elementary & Middle School Teachers||$46,168||$56,571||$55,766||$51,941||$42,168||$50,579|
|Secretaries & Administrative Assistants||$34,283||$22,788||$32,675||$33,348||$24,981||$32,276|
As the data shows, Asian Americans are the highest earners for the miscellaneous managers, registered nurses, and secretaries and administrative assistant jobs, while American Indians are the highest earners for elementary and middle school teachers. White workers are the highest earners in the driver/sales workers and truck drivers job category.
Using the same data in the above table, we’ve calculated the average percentage of annual income spent on car insurance by miscellaneous managers for all the races and ethnicities listed.
Income for Miscellaneous Managers
|% of Income||Race/Ethnicity|
|$5,358.83||$66,641||8.04%||Two or more races|
As you can see in the above table, the lower the annual income, the higher the percentage of income must be allocated for car insurance. Based on the data in the above table, this means that a black miscellaneous manager will spend 66 percent more of their income on car insurance than an Asian miscellaneous manager.
Wages by Gender in Common Jobs
DataUSA does not have information specific to Allentown for wages by gender in common jobs. However, they do include information in this area for the whole state, which we’ve summarized below.
The average male salary is $67,039, compared to the average female salary of $49,502. This means on average, men make about 35 percent more per year than women do in Pennsylvania. Keep in mind this is the overall average, across all job types.
In the below table, we outline the wage disparity between men and women for the same five job families we discussed in the previous section.
|Gender||Miscellaneous Managers||Registered Nurses||Elementary & Middle School Teachers||Secretaries & Administrative Assistants||Driver/Sales Workers & Truck Drivers|
In every category shown (keep in mind this is only the primary jobs in Pennsylvania), men make more than women. The wage disparity varies by job, however. For example, male drivers/sales workers and truck drivers make about 43 percent more than female ones do. By contrast, male registered nurses average about 12 percent more in wages than their female counterparts do.
What does this mean for the percent of income spent on car insurance, in men versus women? Check out the below table to find out more.
|Gender||Miscellaneous Managers||Registered Nurses||Elementary & Middle School Teachers||Secretaries & Administrative Assistants||Driver/Sales Workers & Truck Drivers|
As you can see, because men have higher average wages than women, the percent of that income they spend on car insurance is lower than what women spend. For example, male registered nurses spend about 12 percent less of their income on car insurance than female registered nurses do, because their average wages are 12 percent more than female registered nurses.
Poverty by Age & Gender
Now that you know the wage difference between males and females for different job families, let’s take a look at poverty levels by age and gender. In this category, DataUSA does have statistics specific to Allentown, rather than having to look at the whole state. According to their data, 27.3 percent of the population lives below the poverty line, which is over twice the national average.
The below table summarizes the data they provide, broken down into age categories.
The data indicates that there are a lot more male children (except for those under the age of 5) than female children living below the poverty line. However, at age 16, the pattern reverses, and from that point on, more women live below the poverty line than men.
The largest percentage of those in poverty are women between the ages of 25 and 34 at a total of 9.36 percent (which is 52.44 percent higher than the number of men at the poverty level in that age range), but the largest disparity is between the ages of 45 to 54. In that age category, 55 percent more women live in poverty than men.
Poverty by Race & Ethnicity
The below table summarizes the same Allentown poverty data we’ve already discussed but from the perspective of race and ethnicity, rather than gender.
|Race/Ethnicity||Percentage Living in Poverty|
|Two or More||3.60%|
The largest percentage of people living below the poverty line are Hispanics at 40.1 percent, followed by whites at 31.5 percent. As you know, the less money you make, the higher the percentage of your income is spent on car insurance.
In this case, this means more Hispanic and white families have a higher percentage of salary allocated for car insurance than the other races and ethnicities listed in the above table.
Employment by Occupations
Now that we’ve spent some time looking at the hard facts of poverty in Allentown, let’s focus on a bit of positive news. We’ve already mentioned that the region in which Allentown is located reflected an increase in growth and prosperity. But what does this mean for Allentown specifically?
In Allentown, employment increased by 0.44 percent, as the number of employed individuals rose from 49,900 to 50,100.
We pulled statistics from DataUSA on the most common occupations in Allentown, so you can see what employment looks like in the city.
|Job Family||Percentage Employed|
|Office & Adminstrative Support Occupations||16.20%|
|Material Moving Occupations||10.60%|
|Sales & Related Occupations||8.64%|
|Building & Grounds Cleaning & Maintenance Occupations||5.80%|
|Food Preparation & Sercing Related Occupations||5.59%|
|Healthcare Support Occupations||4.98%|
|Personal Care & Service Occupations||4.15%|
|Construction & Extraction Occupations||4.07%|
|Education, Training, & Library Occupations||3.76%|
|Installation, Maintenance, & Repair||2.66%|
|Business & Financial Operations Occupations||2.65%|
|Health Diagnosing & Treating Practitioners & Other Technical Occupations||2.07%|
|Community & Social Service Occupations||1.72%|
|Health Technologies & Technicians||1.58%|
|Computer & Mathematical Applicatons||1.12%|
|Arts, Design, Entertainment, Sports, & Media Occupations||1.12%|
|Architecture & Engineering Occupations||1.10%|
While this is not a comprehensive list, it does cover about 93 percent of the employed population of Allentown. This data is interesting when compared to some of the information we’ve discussed in the previous sections.
For example, we know that secretaries and administrative assistants make significantly lower incomes than some of the other major job families we’ve discussed, but they also included in the largest occupation percentage in Allentown.
By contrast, miscellaneous managers, who are in the highest income category we’ve looked at here, only make up about 5 percent of the workforce, compared to the 16 percent in office and administrative roles.
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Driving in Allentown
Now that you know a bit about insurance rates in Allentown, as well as demographic statistics, let’s take a look at getting behind the wheel in Allentown. Is it safe to drive in the city? Is there a high percentage of traffic accidents? What do the road conditions typically look like?
These are all important questions to ask, both from the perspective of purchasing insurance and in looking at safety. Knowing the answers to those questions can help you determine the amount and types of coverage you may need while living in Allentown. It can also help you be prepared on the road, know when to take extra care as you drive, and more.
Keep reading to learn the answers to these and other driving-related questions vital to your insurance shopping processing.
Roads in Allentown
Road trip, anyone? Let’s take a look at the roads in Allentown. Are those roads safe and in good condition? Are they well maintained? Can you expect red light cameras to take a snapshot and generate a ticket if you don’t stop in time in Allentown? And where can the roads in Allentown take you?
In the next few sections, we take you through the key facts you need to know when driving on the roads in Allentown.
Major Highways in Allentown
If you drive any distance beyond your own neighborhood, you’ve probably spent some time on the highway. In Pennsylvania, there are 23 active highways, which total 1,862.21 miles of highway across the state. The full list of highways in the state are: I-70, I-76, I-78, I-79, I-80, I-81, I-83, I-84, I-86, I-90, I-95, I-99, I-176, I-276, I-376, I-476, I-576, I-676, I-279, I-579, I-178, I-378, I-180, I-380, I-283, and I-295.
I-76, which connects Ohio and Pennsylvania, is also known as the Pennsylvania Turnpike. It’s the only toll road in Pennsylvania and stretches across the state from east to west, connecting Allentown to other major cities across the state.
The cost of a toll pass varies depending on the weight and size of your vehicle, as does a single-pass toll. However, the cost of a typical passenger vehicle’s single pass is about $2.30, on average. If you have an E-ZPass, the average toll is about $1.40.
However, the Pennsylvania Turnpike Commission will be increasing the tolls by about 6 percent, starting in 2020.
Take a look at the below map to see some of the major highways you can use to move in and around Allentown.
I-78, like several other major highways in the state, traces its origins to highways that were built before the federal interstate system was rolled out in 1956.
There are a few high-priority corridors that include pieces of interstates that run through Pennsylvania. High-priority corridors are designated by the Federal Highway Administration as future interstates across the country.
- High Priority Corridor 9: Appalachian Thruway Corridor includes parts of I-99, which runs through central Pennsylvania.
- High Priority Corridor 79: Interstate 376 includes the entire I-376 highway.
- High Priority Corridor 31: Mon-Fayette Expressway and Southern Beltway includes the entire I-576 highway.
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Popular Road Trips/Sites
If you want to take a drive across Pennsylvania or stay close to home in Allentown, what might you find? We’ve listed a few of the most popular sites and potential road trip options you might consider below.
- Dorney Park & Wildwater Kingdom – Originally started in Allentown by Solomon Dorney as a summer resort and trout hatchery in the 1860s, the destination was officially opened as a park in 1884. It covers 200 acres and includes two distinct sections: one with over 60 rides and attractions and the other focused on water park rides.
- Historic Hotel in Bethlehem – In November and December each year, if you want to get into the holiday spirit, take a quick drive from Allentown to Bethlehem, also nicknamed the Christmas City. While you’re there, visit the Historic Hotel Bethlehem. This hotel is considered one of the most well-known historic hotels in the country and is truly transformed into a holiday fairyland during the Christmas season.
- Fall Foliage Road Trip – Ready for a road trip across the state? Check out the fall foliage throughout Pennsylvania by driving through some of the state parks, mountains, and counties that showcase the seasonal beauty to be found throughout the state.
As you’re driving through town, you want to know what the road conditions are and how that might affect your vehicle. The below table includes the breakdown of the percentage of roads across the city that are poor, mediocre, fair, and good.
Based on the data listed above, the National Transportation Research Nonprofit organization reports that drivers spend an additional $555 in vehicle operating costs (VOC). We calculated the average VOC based on road conditions for all the metropolitan areas in the country that have a population of 500,000 or more.
That average is $567, which means the national average is about 2 percent higher than the VOC for residents of Allentown.
Does Allentown use speeding or red light cameras?
The state of Pennsylvania allows the use of red-light cameras for both running red lights and for speeding. However, they allow individual jurisdictions within the state to decide if, when, and how to use them. Only Philadelphia and Abington have made widespread use of red-light cameras.
Many of the smaller cities (such as Allentown) have avoided installing them, largely due to the budget concerns. For cities such as Philadelphia, the installation costs rapidly pay for themselves due to the population and the resulting number of tickets. But for smaller cities and towns, the cost of installing the cameras and associated infrastructure is too high to be recouped in a short time frame.
Vehicles in Allentown
In the United States, we love our vehicles. We like owning them; we like driving them. They get us from home to work and back, allow us to explore, and represent independence and freedom. For some, a vehicle is a statement about who you are as a person, while for others it is simply a tool by which you get around. What does your vehicle mean to you?
In the next few sections, we take a look at vehicle trends in Allentown, including the average number of vehicles owned by households in the area and crime and theft statistics.
Most Popular Vehicles Owned
There is little data available regarding the most popularly owned vehicles in Allentown, which is the third-most populated city in Pennsylvania. However, there is data on the most popular vehicles in Philadelphia and Pittsburgh (the number one and number two most populous cities in the state):
- Philadelphia: Nissan Maxima
- Pittsburgh: Chevrolet Cobalt
How Many Cars Per Household
Like much of the rest of the country, the majority of Allentown households own two cars, according to DataUSA. In fact, 36.8 percent of households have two vehicles, as compared to the national average of 41.2 percent. The next highest average in Allentown are households that own one car. A total of 32.4 percent of households own one vehicle, compared to the U.S. average of 20.9 percent.
Nearly 70 percent of households in Allentown are included in the one- or two-cars per-household categories. Some of the other groupings include:
- Three cars – 15.1 percent (compared to the national average of 21 percent)
- Four cars – 4.83 percent (compared to the national average of 8.6 percent)
Households Without a Car
As you saw in the previous section, the more vehicles per household, the lower the Allentown average is when compared to the national average. Many households do not own vehicles at all. Statistics for households with no vehicles in 2015 and 2016 are below.
|Year||Households without Vehicles||Vehicles Per Household|
With the upward movement in growth and prosperity in the Allentown metro area and the decreasing trend shown in the above table, which indicates more households purchased vehicles, these numbers may continue to decrease as more households begin to purchase vehicles.
Speed Traps in Allentown
If you’ve ever seen a police car parked on the side of the road just a few seconds too late, you know the stomach-dropping feeling of frantically checking your speedometer to see whether or not you were speeding. If you don’t immediately see flashing lights in your mirror, like many of us, you probably then continually check to see if that police car ends up chasing you, after all.
Fortunately for Allentown drivers, the city is not included in the 10 worst speed trap cities in Pennsylvania. However, you should always drive at the posted speed limit and follow all the other applicable traffic laws.
Vehicle Theft in Allentown
You already know insurance companies consider crime when adjusting car insurance rates. To understand how crime rates might affect your rates, as well as your safety, you need to know what crime looks like in Allentown.
According to a recent FBI report, 258 vehicles were stolen in 2018 in Allentown.
Car theft in your area can mean higher insurance rates in addition to your chances of having your vehicle stolen. If you’re concerned about car theft, one option to consider is reaching out to an insurance agent to find out what additional coverage you can add to your policy to protect you if this happens to your vehicle.
Neighborhood Scout is a data and analytics company focused on the real estate market. They provide extensive crime data on cities and towns across the United States. We can use this data to develop a fuller picture of the crime you may face in Allentown.
The safest neighborhood in the city is Krocksville/Ruppsville. Below is a map provided by Neighborhood Scout that indicates by color which neighborhoods are the safest in which to reside across the city.
The crime index in Allentown is 15 out of 100 (with 100 being the safest). Essentially, this means Allentown is safer than 15 percent of cities across the United States. The crime rate in Allentown is 4.59 per 1,000 residents for violent crime and 27.42 for property crime.
Allentown’s violent crime rate of 4.59 per 1,000 residents is 14.75 percent higher than the national median of four per 1,000 residents and is 46.18 percent higher than the Pennsylvania state average of 3.14 per 1,000 residents.
Put another way, according to Neighborhood Scout, your chances of becoming a victim of violent crime in Allentown are one in 218 people, versus one in 319 people across the state of Pennsylvania.
The city’s property crime rate of 27.42 per 1,000 residents is 14.25 percent higher than the national median of 24 per 1,000 residents and is 66.28 percent higher than the Pennsylvania state average of 16.49 per 1,000 residents.
Put another way, your chances of becoming a victim of property crime in Allentown are one in 36 people, versus one in 61 people across Pennsylvania.
Finally, Neighborhood Scout reports that there is an average of 215 crimes per square mile in Allentown, compared to 47 per square mile in Pennsylvania and 31.1 per square mile across the United States.
What does traffic look like in Allentown? What about transportation? We already know a large percentage of Allentown households own one or two vehicles. But do residents typically use those vehicles to commute?
Keep reading the next few sections to learn more about Allentown traffic congestion, commute times and transportation options, road safety, and more.
Traffic Congestion in Allentown
Do you sit in traffic regularly? Do you consistently have to plan for time spent in traffic as a part of your commute? The stop and go in a never-ending line of cars is something nearly every driver dreads. How much time do Allentown residents typically spend in traffic? Is this an ongoing problem or specifically related to unusual weather or road conditions?
Take a look at the below table from TomTom, an organization that reports on traffic congestion in cities around the world, to see what traffic congestion in Allentown, as well as other major cities in Pennsylvania, looks like.
|City||Congestion Level||Extra Travel Time (Minutes per Day)||Extra Travel Time (Hours per Year)||Morning Peak Congestion||Evening Peak Congestion||HIghway Congestion||Non-Highway Congestion|
|Allentown||15%||16 minutes||69.9 hours||22%||31%||8%||20%|
|Philadelphia||24%||27 minutes||117.45 hours||39%||51%||21%||26%|
|Pittsburgh||21%||24 minutes||104.4 hours||33%||45%||16%||24%|
While Allentown does not have the level of traffic congestion that the larger Pennsylvania cities of Pittsburgh and Philadelphia do, there is still enough traffic congestion for you to drive defensively and consider planning your route and commute times to avoid peak traffic.
You already know a bit about traffic congestion and commute distances in Allentown, but what about commute time? How much time will you typically spend on your commute to work each day?
According to DataUSA, residents of Allentown average about 22.6 minutes commuting to work. This is almost 10 percent less than the national average of 25.1 minutes, and 11 percent less than the Pennsylvania average of 25.5 minutes.
For residents of Allentown, this is good news. Less time spent commuting means less stress on the road, less wear-and-tear on your vehicle, and less chance of getting in an accident.
Most commuter transportation in Allentown is conducted by individual drivers; 67.4 percent of residents drove alone, which is about 12 percent less than the national average of 76.6 percent (which should not be a surprise, given that 16.9 percent of households do not own vehicles).
The next-most-common method of commuting is carpooling. About 17 percent of residents carpool to work, which is 84 percent more than the national average of 9.24 percent. Finally, third in the most-used-form-of-transportation is walking, with 5.51 percent of residents choosing this method of commuting to work, which is nearly double the national average of 2.77 percent.
While there is some traffic congestion in Allentown, none of the highways in Pennsylvania are ranked in the list of highways with the most lanes. The more lanes a highway has, the busier the highway likely is.
Those in the list have between 12 and 15 lanes, so drivers in Pennsylvania should be relieved that no highways in the state are included (though this does not mean highways are not busy in the state, only that they are not in the top 43 in the country).
We’ve already discussed traffic congestion in Allentown, but we have a bit more information to share, to provide some insight into the business of highways in Allentown. According to a recent Texas A&M Transportation Institute Mobility Report, Allentown has about an hour of each day that is considered a rush hour, and the percent of highways that are congested averages about 9.9 percent.
To better understand what this means, let’s compare the same numbers in Philadelphia and Pittsburgh.
- Percent of highways that are congested: 15.3 percent
- Number of rush hours: 3.4 hours
- Percent of highways that are congested: 15.7 percent
- Number of rush hours: 1.2 hours
While both Philadelphia and Pittsburgh have between 55 and 59 percent more congestion on the highways, and Philadelphia has 183 percent more congested hours than Allentown, Pittsburgh only has about 20 percent more rush hour time than Allentown.
How safe are Allentown streets & roads?
As you drive throughout the streets and roads in Allentown, you want to know you’re safe. What does the accident rate look like in Allentown? We’ll look at crash data for Lehigh County, in which Allentown resides, using National Highway Traffic Safety Administration (NHTSA). We’ve summarized the data in the below table.
|Crash Type||Number of Fatalities in 2017||Fatalities per 100K Population in 2017|
|Involving an Alcohol-Impaired Driver||5||1.37|
|Involving a Single Vehicle||16||4.38|
|Involving a Roadway Departure||12||3.28|
|Involving an Intersection||5||1.37|
There were 28 vehicle-related fatalities in Lehigh County in 2017. This is a reduction in fatalities in earlier years. From the 2014 and 2015 year to 2017, the number of total fatalities decreased by 24 percent.
As you can see by the numbers associated with each crash type, some (if not all) the crashes involved more than one variable, as there were 28 total crashes, but a combined total of 48 crash types noted.
Out of the 28 fatalities in 2017, five were the result of an alcohol-impaired driver with a blood-alcohol level of at least 0.08. In other words, 18 percent of the total fatalities in 2017 were due to or involved alcohol-impaired drivers.
Of the 28 fatalities, 16 (57 percent) involved a single-vehicle. Ten of the 28 involved speeding, which is 36 percent of the total crashes in 2017.
Twelve of the fatalities (43 percent) involved a roadway departure. Five fatalities involved an intersection, resulting in 18 percent of the total fatalities including an intersection in some way.
We also pulled NHTSA data on the kinds of fatalities in Lehigh County and summarized the data in the below table.
|Fatality Type||Number of Fatalities 2017||Fatalities per 100K Population in 2017|
|Passenger Car Occupant||14||3.83|
Of the 28 fatalities in 2017, a total of 14 were vehicle passengers, which equates to half of all vehicle-related fatalities for the year. Five of the fatalities were pedestrians, which is 18 percent of total fatalities in 2017. None of the fatalities involved a cyclist.
Using the NHTSA Fatality Analysis Reporting System (FARS) Encyclopedia, we pulled data on the number of fatal crashes per highway type across the state for 2017 and collected it in the below table.
|Pennsylvania Road Types||Number of Crashes|
|Freeway and Expressway||40|
|Total Fatal Crashes||1083|
Both major and minor arterial roads (which include rural and urban interstates, freeways, and highways) are defined as high-traffic roads that support major areas of activity and typically include the areas with the most traffic and longest trip distances. Collector arterial roads are those that connect local streets to arterial roads.
As the above data shows, the roads in Pennsylvania can be dangerous. In 2017 alone, there were 1,083 fatalities between major, minor, and collector arterial roads, a well as local roads. However, as you can see in the above table, the minor and collector arterial roads, as well as local roads, have significantly more fatalities than the actual highways.
Railroad crashes can result in fatalities for vehicle drivers, as well. The U.S. Department of Transportation reports on the number of railroad crossing incidents that occur and result in fatalities. Below is a table with their data for Allentown.
|Highway User Speed||Calendar Year||County||Highway||Highway User Type||Rail Equipment Type||Non-suicide Fatality||Non-suicide Injury|
|10||2012||LEHIGH||RUPPSVILLE RD||Automobile||Freight Train||0||1|
|0||2012||LEHIGH||DILLINGERVILLE RD.||Van||Freight Train||0||0|
|0||2013||LEHIGH||31ST STREET||Automobile||Freight Train||0||0|
|5||2014||LEHIGH||T. 570/RUPPSVILLE RD||Automobile||Freight Train||0||1|
|0||2014||LEHIGH||CITY/12TH & VULTEE S||Automobile||Freight Train||0||0|
|0||2014||LEHIGH||CITY/12TH & VULTEE S||Truck-trailer||Freight Train||0||0|
|25||2014||LEHIGH||T. 568/SNOWDRIFT ROA||Truck-trailer||Freight Train||0||0|
No matter where you’re driving, you should always pay attention. However, when there is a railroad crossing, you should take extra care and be sure to follow all posted signs and warnings.
Allstate America’s Best Drivers Report
Allstate generates a “Best Drivers Report” each year that indicates where in the country the safest drivers reside. They look at the top 200 cities, by size, in the United States to determine this. Allentown doesn’t fall within one of the 200 largest cities in the country, so there is no data specifically for Allentown in the report.
However, there is data available on nearby areas, including Philadelphia, which we’ve collected in the below table.
|Allstate Best Drivers Report Categories||Data|
|2018 Best Drivers Report Ranking||191|
|Average Years Between Claims||5.9|
|Relative Claim Likelihood (Compared to National Average)||69.80%|
|2018 Drivewise® Hard-Braking Events Per 1,000 Miles||42|
|2017 Best Drivers Report Ranking||191|
|Change in Ranking From 2017 to 2018||0|
|2018 Ranking After Controlling for Population Density||174|
|2018 Ranking After Controlling for Average Annual Precipitation||189|
|2 Suburban Metro Area||Philadelphia-Camden-|
Wilmington, PA, NJ, DE, MD
|Average Years Between Claims (Suburban Metro Area)||9|
|2018 Drivewise® Hard-Braking Events Per 1,000 Miles (Suburban|
As we can see in the table, the city ranked 191 out of 200 in 2018. There is an average of 5.9 years between claim filings in Philadelphia, and nine years for the larger suburban metro area in which Philadelphia falls. The relative likelihood of filing a claim, as compared to the national average, is 69.8 percent.
RIdesharing is growing in popularity across the United States and is an efficient and convenient form of alternative transportation. According to RideGuru, the primary services available in Allentown are Uber and Lyft. There are also two traditional taxi companies you can use.
In the below table, we compare rates for the four main companies from which you can purchase rides.
We used RideGuru to find rates for all the available ridesharing companies in Allentown. To ensure that the pricing data was consistent, we chose the same random pickup (Dorney Park & Wildwater Kingdom) and dropoff (Coca-Cola Park) locations for all companies.
As you can see, Lyft and Uber are the most affordable (and in this case have the same rates for the ride), while the traditional taxi companies charge between 60 and 70 percent more for fares.
E-star Repair Shops
E-star rates car repair shops across the country, so if your vehicle needs some work to be done, you can find high-quality shops. All E-star shops are known for quality repairs and customer service.
Below is a list of the E-star shops in Allentown:
- Caliber – Allentown (email: email@example.com)
- Service King Allentown (email: firstname.lastname@example.org
- Gerber – Fogelsville, Gerber – Bath, and Gerber – Pen Argyle (email: email@example.com)
- Carstar Fred Beans Boyertown (firstname.lastname@example.org)
Weather can have a significant impact on visibility and road conditions. What’s the weather like in Allentown? We’ve collected U.S. Climate data for the area, which is listed in the below table.
|Annual High Temperature||61.3°F|
|Annual Low Temperature||40.8°F|
|Average annual precipitation (rainfall)||45.4 inches|
|Average annual precipitation (snowfall)||33 inches|
With the significant amount of precipitation (combining both rain and snow equals a total average of 78.35 inches per year), you can expect to experience when driving in Allentown, you need to be prepared for this. Drive defensively and with care, ensure your car maintenance is up to date, and adjust your speed accordingly (regardless of the posted speed limit).
Does Pennsylvania experience any natural disasters? If so, is this a regular occurrence? These are important questions to ask when you’re considering what kind of insurance coverage levels you may need. According to CityData.com, the average is 14 per year, which is just over the national average of 13 per year. Of those 14, nine have been declared national disasters.
While the number of natural disasters is only a little above the national average, with the amount of precipitation you can expect, you should probably consider purchasing comprehensive insurance coverage.
With comprehensive coverage, you’ll be protected if you do end up experiencing some vehicle damage due to a natural disaster or weather. This coverage will also add some protection if your vehicle is vandalized or stolen. (Recall the statistic that your likelihood of experiencing some form of property crime is one in 36 people.)
If you need to get around Allentown and don’t want to use a personal vehicle (or don’t own one), what are your options for public transportation? How much will it cost you?
You can use the city bus system to make your way through Allentown for a reasonable fare. We’ve listed the bus fares for the Lehigh and Northampton Transportation Authority (LANta) bus system in the below table.
|Fare Type||Description||Fare Cost|
|Cash Fare||Single, One-way ride||$2|
|Day Pass||Unlimited rides for the day||$4|
|10-Ride Ticket||10 one-way rides||$16|
|31-Day Pass||Unlimited rides for the month||$60|
|Annual Pass||Twelve 31-Day Passes||$660|
|Transfers||Usable for two hours starting a the time of purchase; can only be used to complete a one-way trip||$0.25|
In addition to the regular fares are listed above, LANta offers special fares for:
- Students, grades K-12 – can obtain a day pass for $1
- Children under the age of 5 –can ride for free if riding with an adult who paid the fare
- Disabled persons who have a PA DOT Reduced Fare Card or valid Medicare card – can get day passes for $1
- Seniors who are 65 and older – can ride for free with a Pennsylvania Senior Travel ID
If riding the bus isn’t your thing, maybe you’d rather rent a bike or scooter to get around town. While neither Lime nor Bird (scooter and bicycle rental companies that partner with cities to provide affordable alternative transportation options) operates in Allentown, there is a shop in town that offers rentals.
Trek Bikes rents mountain, road, city, and electric bicycles. You can rent their mountain, road, and electric bicycles for between $75 and $100 per day, while their city bicycles can be rented for $55 per day.
If you’re looking for a scooter, you’re out of luck in Allentown. Motorized scooters are not street legal in Pennsylvania.
Parking in Metro Areas
One reason some people prefer to use alternative forms of transportation such as public transit, walking, bicycling, or purchasing rides through a ridesharing service is that they don’t want to deal with the nightmare that parking can be.
The Allentown Parking Authority oversees on-street and off-street parking in Allentown. There are seven downtown parking garages, as well as 25 surface lots under their purview, in addition to on-street parking.
Street parking is largely metered. The cost of the meters depends on location. Some meters are $1 per hour. Those can be paid by coin or the MobileNOW app. Some meters are $2 per hour and can be paid using coins, credit and debit cards, and through the MobileNOW app. Parking is free on Sundays, and if there are no events, some portions of the metered parking are free after 5 p.m.
Under specific circumstances, contractors and laborers may be able to purchase limited-use parking meter permits for either $10 or $26 per day. Some commercial vehicles may also be eligible to purchase monthly parking meter permits for between $200 and $250 per month.
The parking decks and lots charge hourly rates. Most of the decks charge $1 per hour for up to 12 hours, with a maximum of an $8 fee and an option to purchase a monthly permit. The public lots typically charge $1 per hour for as long as you’re parked there, with the option to purchase a monthly permit. However, several of the lots are permit-only.
If you regularly need to park in one of the lots or decks, you may be able to get a monthly parking permit, depending on availability in the lot or deck to which you apply for a permit. The monthly permit rates vary between $25 and $75, depending on the location.
Some parts of the downtown street, lot, and dock parking are free on weekdays from 5 p.m. to midnight and weekends from 8 a.m. to midnight.
In addition to the MobileNOW app, residents in Allentown can also use the Parkwhiz app to find, reserve, and prepay for parking in eligible areas.
Of the available deck parking, the following decks have charging stations for electric vehicles:
- Allentown Transportation Deck
- Community Deck
- Government Deck
- The Spiral Deck
- 9th & Walnut Deck
- Strata Deck
At the Lehigh Valley International Airport, you have the option of both long-term and short-term parking. The short-term parking can be found next to the terminal and can be used for passenger pick-up and drop-offs, as well as for travelers who will be gone for only a short time. This lot is $2 per hour and $22 per day.
The long-term parking, which is also located next to the terminal, can be used for travelers who will be gone for a longer period of time. The per-day rate is $14, and if you’re gone for an extensive amount of time, you can pay $79 per week.
Air Quality in Allentown
Depending on where you live in the country, air quality can be a problem. In some cases, it can be due to temporary circumstances like a forest fire, while more often it can be due to vehicle air pollution.
In the below table, we’ve collected the Environmental Protection Agency (EPA) data on air quality in the Allentown-Bethlehem-Easton metro area for the most recent three years.
|Year||Days with AQI||Days that were good||Days that were moderate||Days Unhealthy for Sensitive Groups||Days Unhealthy||Days very unhealthy|
The air quality index refers to the number of days in which the air quality was tracked. For 2019, there are fewer AQI days because the year has not yet ended.
For the three years shown, the number of good days has steadily increased, and moderate days have decreased. The number of days that were considered unhealthy for sensitive groups remained fairly consistent, while the overall unhealthy days decreased from three to zero between 2017 and 2018.
Finally, none of the three years shown included very unhealthy days.
Vehicle-generated pollution can be a big contributor to air quality, though experts agree that it can be difficult to determine what percentage of poor air quality or pollution can be traced back specifically to vehicles on the road. However, estimates are in the 33 percent range.
According to the Union of Concerned Scientists, there are six primary byproducts of motor vehicles that contribute to air pollution:
- Particulate matter – this can include soot from vehicle exhaust, diesel exhaust, and more that can absorb into your lungs
- Volatile organic compounds – combined with nitrogen oxide and sunlight, these transform into ground-level ozone, which can inflame the respiratory system
- Nitrogen oxides – this creates both ground-level ozone and particulate matter
- Carbon monoxide – if inhaled, this can stop oxygen from reaching your brain, heart, and organs
- Sulfur dioxide – typically results from burning diesel and coal, and creates particulates in the air that can be inhaled
- Greenhouse gases – this is largely carbon dioxide, which is most often tied to tailpipe emissions of vehicles. Experts link this to global warming
As you’ve seen, car insurance in Allentown is expensive, and a significant amount of your take-home pay ends up going to your insurance policy. Even those who’ve served our country as members of the U.S. military experience this. In this section, we’ll take a look at the number of veterans living in Allentown and what they can expect to pay for insurance in the area.
Allentown, like many of the cities across the country, is home to many veterans of the U.S. military. Similar to the national average, the largest percentage of veterans that call Allentown home served in the Vietnam War. A total of 1,284 Vietnam veterans live in Allentown, according to DataUSA.
The next largest number served in the current Gulf War (starting in 2001). However, this number, which totals 429, is 55 percent less than those who served in Vietnam.
There are no military bases within an hour of Allentown.
However, with the number of veterans in the area, some of the major insurance providers in the area do offer military discounts. Of the major insurers in Allentown, Allstate, Geico, Liberty Mutual, and State Farm offer those military discounts.
As we stated earlier, USAA is readily available to military members and their families. The average annual rate in Pennsylvania for USAA insurance coverage is $1,793.37. Below we compare USAA to other major insurers in the area to see what the discount looks like.
|Provider||Rate||Compared to USAA ($)||Compared to USAA (%)|
USAA offers significant discounts for car insurance, compared to other insurers in Pennsylvania. The major insurers’ rates in the state are between 45 and 337 percent higher than USAA’s average premiums.
Unique City Laws
While many laws are enacted at the federal or state level, cities can set their own laws in several areas. Knowing these laws can help you keep a clean driving record, as well as understand what’s expected of you, other drivers, and residents in Allentown.
Take a few minutes to browse this section to earn more about driving laws specific to Allentown, how the city handles parking laws, food trucks, and more.
Allentown enacted cellphone driving laws regarding banning texting and hands-free usage before Pennsylvania had laws in place regarding cellphones and driving. However, when the state did put laws in place in 2012 governing cellphones and driving, the Allentown-specific laws were invalidated, because the state requires laws in the cities to be consistent with the state laws, if applicable.
There are no hands-free laws in place in Allentown or in Pennsylvania that require drivers to only use their phones in hands-free mode. There is a no-texting ban, but that is the only law on the books.
All mobile vendors, including food trucks, must apply for a mobile vendor license, a mobile food unit license, and a business license. Applicants will have to pay several fees for both the various applications and the licenses. These licenses, if all applications are approved, are only usable in Allentown.
All mobile vendors can also expect to be regularly inspected to ensure they are meeting all food safety requirements. If inspections find anything of note, licenses to operate can be revoked.
Other nearby cities have their own requirements. However, a controversial bill has been introduced that may change laws so food trucks only need to apply for licenses at the state level, rather than for each city and town in which they plan to operate.
If you have a food truck or would like to open one, there are resources to help you understand and navigate the laws currently in place in Allentown and other municipalities in Lehigh County. One such resource is the Greater Lehigh Valley Mobile Food Alliance.
Across the country, the tiny home craze continues to grow in popularity, and Allentown is no exception.
In the city, a tiny home is a residential construction of 400 square feet or less and can be built to be mobile or with a foundation. This does result in some complications regarding zoning because some residential areas will only consider a building a home if it is 1,000 square feet or larger.
If your tiny home is built with a foundation, rather than on wheels, you’ll be required to ensure all the city utility hookups are included in the build, although you aren’t necessarily required to use those hookups.
If your tiny home is mobile, Allentown will allow you to use the vehicle charging stations found throughout the city to charge your electrical system. In the case of the mobile version of a tiny home, you’ll need to make sure you can park it on private property or in mobile home-specific parking. Otherwise, you’ll violate some of the parking laws we’ll cover next.
Some parking laws are fairly standard, like no parking in a handicapped spot if you do not have the appropriate handicapped permit to do so. However, in Allentown, if you have signs on your vehicle advertising that it’s for sale, you can’t park it anywhere on a street.
Additionally, you can’t store vehicles on any street in the city. What does this mean for you? Essentially, you can’t park on the street (even in front of your house) for more than 72 hours at a time. So if you typically park your vehicle on the street by your home and you plan to go out of town for more than 72 hours, you should plan to use alternative parking (your driveway or garage) while you are gone.
Allentown also has very strict laws regarding how your vehicle can be parked if you are in metered or street parking. If you’re parking in metered parking, either the front or rear of your vehicle must be right next to the parking meter (whichever is applicable in a given situation) and fully within the lines of the parking space lines.
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Allentown Car Insurance FAQs
While we’ve done our best to cover everything you need to know about living and purchasing car insurance in Allentown, PA, we know you might still have some additional questions.
To that end, we’ve compiled a list (with associated answers) of some of the major questions regarding Allentown, car insurance in the area, and more that we haven’t already covered.
Keep reading to find answers to your questions about the city.
Is Allentown a good place to live?
According to a U.S. News & World Report Real Estate study, Allentown is in the top 125 best places to live in the country. It currently ranks 93rd for best places to live and 23rd for the best places to retire. The city is the third-largest in Pennsylvania, and as we mentioned earlier, its growth and prosperity are on the upswing.
The cost of living is lower than the average cost of living across the country, which is one reason it’s a good place to retire. However, the average wages in Allentown are also lower than the national average.
What kind of taxes do you have to pay in Allentown?
Like residents of any state in the country, Pennsylvanians must pay both federal and state taxes. However, unlike many states, Pennsylvania also requires residents to pay taxes on income and services to their specific municipality. To ensure everyone pays theses taxes correctly, the state requires employers to withhold these taxes (similar to how state and federal taxes are withheld).
What are the car insurance requirements in Pennsylvania?
All drivers in Pennsylvania, including Allentown, must maintain the minimum liability coverage requirement set by the state, which is $15,000 per person and $30,000 per accident for bodily injury coverage, $5,000 per accident for property damage, and $5,000 per accident for personal injury protection.
However, we recommend you consider purchasing a policy that includes more than just the minimum requirement to ensure that you are financially protected.
Where is Allentown?
Allentown is located in the southeastern part of the state, 63 miles northwest of Philadelphia. It is found in Lehigh County, along with many other towns and municipalities.
Which companies offer the cheapest car insurance in Allentown?
The average cost of car insurance in Allentown is $5,358.83. USAA is the most affordable with an average of $1,898.36, which is 65 percent less than the city’s national average. However, USAA is only available to military and family members, so the next most affordable insurance coverage is offered by Geico at an average of $2,784.09.
While this is 47 percent more than USAA, it is still 48 percent lower than the national average.
Now that you have some car insurance know-how in Allentown, PA, we hope you feel more prepared to shop for insurance in your area and find the best coverage and rates for your needs and lifestyle. As a first step, why not use your ZIP code to get your first free quote?