Car Insurance in Harrisburg
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Car Insurance in Harrisburg, PA
If you're crossing the Susquehanna River by car, you'd better have car insurance. Harrisburg isn't huge, ranking as the commonwealth's 17th largest city. Still, it is home to Pennsylvania's capitol, plus it's just a (chocolate) kiss away from Hershey. Both of these attractions bring a ton of visitors to Harrisburg's highways.
When it comes to traffic laws, driving in Harrisburg is like driving in other cities in Pennsylvania. You don't have to meet additional minimum coverage standards since Harrisburg requires drivers to meet the minimum coverage provided by the Commonwealth of Pennsylvania.
Whether you live in Harrisburg or are just passing through, it's important to find the right car insurance coverage by shopping around and comparing rates based on your home zip code.
How much is car insurance in Harrisburg, PA?
Auto insurance costs in Harrisburg can vary significantly depending on the coverage options you select. To help guide you, here are the average prices for the three most commonly chosen coverage types in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Harrisburg?
Assessing and categorizing insurance costs for every car make, model, and year in the city is a complex task. However, if you're looking for newer vehicles that generally offer lower insurance premiums, here are the top 10 most affordable car makes and models to consider in Harrisburg:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $131 |
| 2 | Dodge Grand Caravan | $133 |
| 3 | Honda Cr-V | $134 |
| 4 | Toyota Corolla | $135 |
| 5 | Toyota Rav4 | $137 |
| 6 | Kia Sedona | $140 |
| 7 | Honda Odyssey | $140 |
| 8 | Ford F-150 | $140 |
| 9 | Toyota Tacoma | $141 |
| 10 | Ford Fusion | $142 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 | ||
How do claims and violations impact my total cost?
There are a number of incidence that can influence your insurance premiums. Consider the breakdown below of insurance rates in Harrisburg. As shown, they can fluctuate based on common claims and violations:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $137 | +0% |
| Not at-fault Accident | $147 | +7% |
| Driving with expired registration | $159 | +16% |
| Speeding Ticket | $160 | +17% |
| At-fault Accident | $199 | +45% |
| DUI | $208 | +52% |
| Hit and Run | $210 | +53% |
| Driving with a suspended license | $211 | +54% |
What car insurance discounts can I get in Harrisburg?
A variety of discounts are available to help lower your insurance costs in Harrisburg You can take advantage of these savings by bundling policies, paying your full premium upfront, opting for paperless billing, and securing loyalty renewal discounts. Below is a list of these discount options, ranked from most to least impactful in reducing your premiums:| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $120 | +$17 |
| Paid in Full | $127 | +$10 |
| Low Mileage | $128 | +$9 |
| Multi-Policy Renters | $132 | +$5 |
| Paperless | $135 | +$2 |
| None | $137 | +$0 |
| Electronic Funds Transfer | $137 | +$0 |
| Renewal discount | $137 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.