Compare Luzerne, PA Car Insurance Rates (2021)

Car insurance in Luzerne, PA averages $315 a month. Luzerne, Pennsylvania car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Luzerne car insurance rates, compare quotes from the top car insurance companies in Luzerne, PA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Luzerne, PA after a DUI are $4,144/year
  • Average car insurance rates in Luzerne, PA are $3,782/year
  • The cheapest car insurance company in Luzerne for teen drivers is USAA

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

You’ll find Luzerne car insurance rates, the cheapest Luzerne, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Luzerne, Pennsylvania car insurance rates to Reading car insurance rates, Altoona car insurance rates, and Erie car insurance rates.

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

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

How do age, gender, and marital status affect Luzerne, PA car insurance rates? Every Luzerne, 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 Luzerne, 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 $2,349 $2,349 $2,182 $2,182 $7,935 $7,935 $2,565 $2,565
GEICO $1,952 $1,690 $1,884 $1,631 $4,872 $4,224 $1,947 $1,686
Liberty Mutual $3,358 $3,358 $3,080 $3,080 $9,709 $9,709 $4,250 $4,250
Nationwide $1,870 $1,870 $1,777 $1,777 $5,266 $5,266 $2,097 $2,097
Progressive $2,739 $2,739 $2,451 $2,451 $8,966 $8,966 $3,485 $3,485
State Farm $1,656 $1,656 $1,473 $1,473 $6,020 $6,020 $1,833 $1,833
Travelers $1,583 $1,583 $1,724 $1,724 $23,740 $23,740 $1,885 $1,885
USAA $1,135 $1,135 $1,029 $1,029 $3,424 $3,424 $1,500 $1,500

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Minimum Car Insurance in Luzerne, PA

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

Minimum Required Car Insurance Coverage in Luzerne, 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 Luzerne, PA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Luzerne, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,804 $3,582 $2,886
GEICO $3,729 $2,102 $1,625
Liberty Mutual $6,504 $4,669 $4,125
Nationwide $3,225 $2,660 $2,372
Progressive $5,831 $4,103 $3,296
State Farm $3,902 $2,421 $1,914
Travelers $7,861 $7,114 $6,724
USAA $2,216 $1,644 $1,455

Cheapest Luzerne, 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 Luzerne, PA to rates for a clean record with top companies.

Annual Luzerne, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,597 $4,240 $3,597 $3,597
GEICO $1,836 $3,121 $2,459 $2,527
Liberty Mutual $4,627 $5,355 $5,207 $5,207
Nationwide $2,005 $2,668 $3,684 $2,652
Progressive $3,988 $5,542 $4,113 $3,997
State Farm $2,499 $2,992 $2,746 $2,746
Travelers $5,096 $7,295 $9,247 $7,295
USAA $1,426 $1,970 $2,098 $1,593

Cheapest Luzerne, PA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Luzerne, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,935 $7,935
GEICO $4,872 $4,224
Liberty Mutual $9,709 $9,709
Nationwide $5,266 $5,266
Progressive $8,966 $8,966
State Farm $6,020 $6,020
Travelers $23,740 $23,740
USAA $3,424 $3,424

Cheapest Luzerne, PA Car Insurance for Seniors

Take a look at Luzerne, 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 Luzerne, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,182 $2,182
GEICO $1,884 $1,631
Liberty Mutual $3,080 $3,080
Nationwide $1,777 $1,777
Progressive $2,451 $2,451
State Farm $1,473 $1,473
Travelers $1,724 $1,724
USAA $1,029 $1,029

Cheapest Luzerne, PA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Luzerne, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,597
GEICO $2,459
Liberty Mutual $5,207
Nationwide $3,684
Progressive $4,113
State Farm $2,746
Travelers $9,247
USAA $2,098

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Cheapest Luzerne, PA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Luzerne, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,682 $3,834
GEICO $2,446 $2,526
Liberty Mutual $4,970 $5,229
Nationwide $2,752 $2,752
Progressive $4,410 $4,410
State Farm $2,664 $2,827
Travelers $7,233 $7,233
USAA $1,721 $1,822

The Best Cheap Car Insurance Companies in Luzerne, PA

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

Average Annual Car Insurance Rates by Company in Luzerne, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,758
GEICO $2,486
Liberty Mutual $5,099
Nationwide $2,752
Progressive $4,410
State Farm $2,746
Travelers $7,233
USAA $1,772

Category Winners: Cheapest Car Insurance in Luzerne, Pennsylvania

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

Best Annual Car Insurance Rates by Company in Luzerne, Pennsylvania

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

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Cheapest Luzerne, PA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Luzerne, Pennsylvania

Insurance Company Low Medium High
Allstate $3,560 $3,784 $3,929
GEICO $2,196 $2,520 $2,742
Liberty Mutual $4,800 $5,145 $5,353
Nationwide $2,708 $2,793 $2,755
Progressive $3,991 $4,440 $4,799
State Farm $2,536 $2,787 $2,914
Travelers $7,201 $7,256 $7,243
USAA $1,630 $1,789 $1,897

What affects car insurance rates in Luzerne, Pennsylvania?

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

Commute Time in Luzerne

The more time you spend in your car the higher the risk of an accident. The average commute length in Luzerne, PA is 23.1 minutes according to City-Data.

Compare Car Insurance Quotes in Luzerne, PA

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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