Compare Harrisburg, PA Car Insurance Rates (2021)

Car insurance in Harrisburg, PA averages $325 a month. Harrisburg, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Harrisburg car insurance rates, compare quotes from the top car insurance companies in Harrisburg, PA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Harrisburg, PA are $3,895/year
  • The cheapest car insurance company in Harrisburg for teen drivers is USAA
  • The cheapest ZIP code in Harrisburg is 17112

If you need to buy Harrisburg, Pennsylvania car insurance, the options can be confusing. Everything you need to know about car insurance in Harrisburg, PA is right here.

You’ll find Harrisburg car insurance rates, the cheapest Harrisburg, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Harrisburg, Pennsylvania car insurance rates to Pittsburgh car insurance rates, Reading car insurance rates, and Bethlehem car insurance rates.

Ready to find affordable Harrisburg, PA car insurance today? Enter your ZIP code for fast, free Harrisburg car insurance quotes.

Cheapest Harrisburg, PA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Harrisburg, PA car insurance rates? Every Harrisburg, Pennsylvania car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Harrisburg, PA

Every driver must carry the minimum car insurance in Harrisburg, PA. Take a look at the Pennsylvania car insurance requirements.

Minimum Required Car 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

Cheapest Harrisburg, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Harrisburg, PA. Compare credit history car insurance rates in Harrisburg from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Harrisburg, PA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Harrisburg, PA to rates for a clean record with top companies.

Annual Harrisburg, Pennsylvania Car 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

Cheapest Harrisburg, PA Car Insurance for Teen Drivers

Teen car insurance in Harrisburg, PA can be expensive. Take a look at rates from the top car insurance companies in Harrisburg for teenagers.

Annual Car 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

Cheapest Harrisburg, PA Car Insurance for Seniors

Take a look at Harrisburg, PA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Harrisburg, PA Car Insurance Rates After a DUI

A DUI in Harrisburg, PA increases car insurance rates. Compare Harrisburg, Pennsylvania DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Harrisburg, Pennsylvania

Insurance Company Annual Car 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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Cheapest Harrisburg, PA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Harrisburg, PA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Harrisburg, PA Car Insurance Rates by ZIP Code

Harrisburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Harrisburg, PA.

Annual Car 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

The Best Cheap Car Insurance Companies in Harrisburg, PA

Take a look at a side-by-side comparison of the top car insurance companies in Harrisburg, PA to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Harrisburg, Pennsylvania

Find the cheapest car insurance companies in Harrisburg, PA for each category right here.

Best Annual Car 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

Cheapest Harrisburg, PA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Harrisburg car insurance rates. Find the cheapest Harrisburg, PA car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Harrisburg, Pennsylvania?

What factors can have an impact on Harrisburg, PA car insurance? There are several reasons why Harrisburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Harrisburg, Pennsylvania.

Commute Time in Harrisburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Harrisburg, PA is 19.6 minutes according to City-Data.

Traffic in Harrisburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Harrisburg, PA traffic data from INRIX ranks Harrisburg as the 361st-most congested in the world.

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Compare Car Insurance Quotes in Harrisburg, PA

Ready to find affordable Harrisburg, Pennsylvania car insurance today? Enter your ZIP code for fast, free Harrisburg, PA car insurance quotes.

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