Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Harrisburg for teen drivers is USAA
  • Average car insurance rates in Harrisburg, PA are $325/month
  • The cheapest car insurance company in Harrisburg after a DUI is USAA

Average car insurance rates in Harrisburg, Pennsylvania are $325 a month. But with a little research you can get a great deal from the top car insurance companies in Harrisburg, PA. Before you buy Harrisburg, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

It may even be helpful to compare Harrisburg car insurance rates with Pittsburgh car insurance rates, York car insurance rates, or Erie car insurance rates to make sure you’re getting the best Harrisburg, PA car insurance quotes available.

Need affordable Harrisburg, PA car insurance? Enter your ZIP code to compare Harrisburg car insurance quotes from multiple car insurance companies near you.

Harrisburg, PA Minimum Car Insurance Coverage

Harrisburg, Pennsylvania law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

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

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Harrisburg, PA Car Insurance Rates by Coverage Level

Some Harrisburg drivers can get by with the Pennsylvania minimum coverage of 15/30/5. Other drivers may need more. See how much your Harrisburg, Pennsylvania car insurance rates may be based on the coverage you need.

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

Harrisburg, PA Car Insurance Rates by Age, Gender, and Marital Status

Harrisburg, Pennsylvania car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Harrisburg, PA car insurance, get quotes from multiple car insurance companies in the Harrisburg area and see how these criteria affect your 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

Harrisburg, PA Car Insurance Rates for Teens

How much is Harrisburg, Pennsylvania car insurance for teens? Compare rates from top Harrisburg car insurance companies below to help find the cheapest teen car insurance in Harrisburg, PA.

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

Harrisburg, PA Car Insurance Rates for Seniors

Before seniors buy Harrisburg, Pennsylvania car insurance, they should make sure to shop around. Some Harrisburg, PA car insurance companies may offer discounts or other savings options for senior car insurance.

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

Harrisburg, PA Car Insurance Rates by Credit History

How does your credit history affect Harrisburg, PA car insurance rates? Review the numbers here to find out.

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

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Harrisburg, PA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Harrisburg, Pennsylvania car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Harrisburg.

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

Harrisburg, PA Car Insurance Rates With a DUI

Even a single DUI can increase your Harrisburg, PA car insurance rates. Compare rates below to see which Harrisburg car insurance company has the best rates for drivers with a DUI.

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

Harrisburg, PA Car Insurance Rates by ZIP Code

Just like Harrisburg car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Harrisburg, PA car insurance rates fluctuate by ZIP code.

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

Harrisburg, PA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Harrisburg, PA car insurance rates may be. Let’s take a look at average car insurance rates from top Harrisburg companies based on commute time.

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

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Harrisburg, PA Cheapest Car Insurance Rates

How do the top Harrisburg, Pennsylvania car insurance companies’ average rates stack up against the Harrisburg average monthly car insurance rates of $325? Take a look and see.

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

Harrisburg, PA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Harrisburg, Pennsylvania car insurance companies to help you find one that best fits 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

Other Factors Affecting Harrisburg, PA Car Insurance Rates

Before you buy Harrisburg, Pennsylvania car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Harrisburg, PA Commute Time

How does your Harrisburg, PA commute time compare with the average driver? In Harrisburg, the average commute is 19.6 minutes.

Harrisburg, PA Traffic

Spending time in Harrisburg traffic can lead to higher car insurance rates. According to INRIX data, Harrisburg, PA ranks as the 361st-most congested with traffic in the world.

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Harrisburg, PA Car Insurance Quotes

Compare Harrisburg, PA car insurance quotes from multiple companies by entering your ZIP code now.