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Searching for cheap car insurance in Allentown, Pennsylvania can be challenging since there are so many companies vying for your business. We set out to speed up the process by reviewing data from top auto insurance providers in the area.
Cheapest Car Insurance Companies in Allentown
|Cheapest Insurer||Driver Category|
|Liberty Mutual||Safe Drivers|
|USAA||Drivers in the Military|
|Metromile||Low Annual Mileage|
|Esurance||Drivers Who Pay Their Premiums Upfront|
|State Farm||Teen Drivers|
FAQs About Cheap Car Insurance in Allentown
What Are the Minimum Car Insurance Requirements in Allentown?
In Allentown, all motorists must carry car insurance that meets the following minimum limits:
• $5,000 to cover property damage
• $5,000 in medical benefits per collision
• $15,000 to cover bodily injuries to one person
• $30,000 to cover bodily injuries in an accident
What Are the Penalties for Driving Without Auto Insurance in Allentown?
Affectionately known as the “Queen City”, Allentown’s better drivers are considered royalty among the area’s top insurers. However, if you’re caught driving without insurance, you won’t just relinquish this coveted title, but will also have to pay steep fines and administrative fees.
For first, second, third, and subsequent offenses the penalties remain the same: Your license and vehicle’s registration will be suspended for three months, you will be fined $300, and you will have to pay up to $180 in reinstatement fees to restore your driving privilege. During the suspension period, neither you or anyone else may make use of your vehicle.
However, if someone else needs to drive your car during the suspension period, you can opt to pay the $500 civil penalty to restore your vehicle’s registration. This process will enable other drivers such as family or friends to use your car until you are legally allowed to hit the road again. The Pennsylvania Department of Transportation will need to see proof that your vehicle is insured up to the state’s minimum liability limits before authorizing the civil penalty option.
If you are caught driving with no insurance again within 12 months of your previous violation, you will not be allowed to make use of this option.
Allentown Car Insurance FAQs
What Are Some Important Allentown Car Insurance Terms?
The insurance industry has its own encyclopedia of unique jargon. But understanding a few of these words doesn’t have to feel like learning a new language. Below, you’ll find our glossary of important terminology to help you make sense of your policy:
Accident Forgiveness: Whether you were responsible for causing the accident or not, a crash will often trigger an immediate premium increase. Why? Research has shown that motorists who’ve been involved in one collision are far more likely to have another accident than the average driver. However, many providers offer “accident forgiveness” as part of their policy offerings. This addon will safeguard you against a rates hike in the event of a not-at-fault collision.
Rates: The amount you will pay to maintain your vehicle’s insurance. Providers calculate rates based on specific criteria such as your accident history, deductible, vehicle make, and policy features.
Deductible: In the event of a crash, your deductible is the cash amount you must pay for injuries or damages before the relevant policy features kick in to cover the remainder. A high deductible will reduce your premiums, but a low deductible can save you a small fortune after a crash.