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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Northampton for teen drivers is USAA
  • The cheapest car insurance company in Northampton after a DUI is USAA
  • Average car insurance rates in Northampton, PA are $326/month

Average car insurance rates in Northampton, Pennsylvania are $326 a month. But with a little research you can get a great deal from the top car insurance companies in Northampton, PA. Before you buy Northampton, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

It may even be helpful to compare Northampton car insurance rates with Altoona car insurance rates, Philadelphia car insurance rates, or Reading car insurance rates to make sure you’re getting the best Northampton, PA car insurance quotes available.

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

Northampton, PA Minimum Car Insurance Coverage

Northampton, 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 Northampton, 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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Northampton, PA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Northampton, Pennsylvania

Insurance Company Low Medium High
Allstate $3,453 $3,646 $3,766
GEICO $2,300 $2,572 $2,768
Liberty Mutual $5,247 $5,574 $5,773
Nationwide $2,667 $2,685 $2,597
Progressive $4,142 $4,567 $4,876
State Farm $2,466 $2,702 $2,812
Travelers $7,914 $7,853 $7,749
USAA $1,741 $1,908 $2,017

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Northampton, 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 $2,248 $2,248 $2,086 $2,086 $7,694 $7,694 $2,460 $2,460
GEICO $1,999 $1,730 $1,904 $1,649 $5,010 $4,346 $2,001 $1,732
Liberty Mutual $3,633 $3,633 $3,331 $3,331 $10,558 $10,558 $4,605 $4,605
Nationwide $1,798 $1,798 $1,706 $1,706 $5,077 $5,077 $2,018 $2,018
Progressive $2,825 $2,825 $2,522 $2,522 $9,180 $9,180 $3,588 $3,588
State Farm $1,596 $1,596 $1,417 $1,417 $5,859 $5,859 $1,768 $1,768
Travelers $1,730 $1,730 $1,876 $1,876 $25,672 $25,672 $2,076 $2,076
USAA $1,200 $1,200 $1,085 $1,085 $3,674 $3,674 $1,597 $1,597

Northampton, PA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Northampton, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,694 $7,694
GEICO $5,010 $4,346
Liberty Mutual $10,558 $10,558
Nationwide $5,077 $5,077
Progressive $9,180 $9,180
State Farm $5,859 $5,859
Travelers $25,672 $25,672
USAA $3,674 $3,674

Northampton, PA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Northampton, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,086 $2,086
GEICO $1,904 $1,649
Liberty Mutual $3,331 $3,331
Nationwide $1,706 $1,706
Progressive $2,522 $2,522
State Farm $1,417 $1,417
Travelers $1,876 $1,876
USAA $1,085 $1,085

Northampton, PA Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Northampton, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,627 $3,454 $2,784
GEICO $3,822 $2,153 $1,664
Liberty Mutual $7,058 $5,064 $4,473
Nationwide $3,109 $2,559 $2,281
Progressive $5,999 $4,210 $3,377
State Farm $3,788 $2,344 $1,849
Travelers $8,511 $7,709 $7,295
USAA $2,360 $1,754 $1,553

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Northampton, PA Car Insurance Rates by Driver History

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

Annual Northampton, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,465 $4,091 $3,465 $3,465
GEICO $1,872 $3,226 $2,504 $2,584
Liberty Mutual $5,035 $5,794 $5,649 $5,649
Nationwide $1,913 $2,564 $3,566 $2,557
Progressive $4,100 $5,694 $4,216 $4,104
State Farm $2,420 $2,900 $2,660 $2,660
Travelers $5,540 $7,915 $9,985 $7,915
USAA $1,515 $2,100 $2,246 $1,694

Northampton, PA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Northampton, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,465
GEICO $2,504
Liberty Mutual $5,649
Nationwide $3,566
Progressive $4,216
State Farm $2,660
Travelers $9,985
USAA $2,246

Northampton, PA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Northampton, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,548 $3,696
GEICO $2,507 $2,586
Liberty Mutual $5,391 $5,673
Nationwide $2,650 $2,650
Progressive $4,529 $4,529
State Farm $2,581 $2,739
Travelers $7,839 $7,839
USAA $1,835 $1,943

Northampton, PA Cheapest Car Insurance Rates

How do the top Northampton, Pennsylvania car insurance companies’ average rates stack up against the Northampton average monthly car insurance rates of $326? Take a look and see.

Best Annual Car Insurance Rates by Company in Northampton, 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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Northampton, PA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Northampton, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,622
GEICO $2,546
Liberty Mutual $5,532
Nationwide $2,650
Progressive $4,529
State Farm $2,660
Travelers $7,839
USAA $1,889

Other Factors Affecting Northampton, PA Car Insurance Rates

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

Northampton, PA Commute Time

How does your Northampton, PA commute time compare with the average driver? In Northampton, the average commute is 24.7 minutes.

Northampton, PA Traffic

Spending time in Northampton traffic can lead to higher car insurance rates. According to INRIX data, Northampton, PA ranks as the 606th-most congested with traffic in the world.

Northampton, PA Car Insurance Quotes

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