Harrisburg, PA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Harrisburg, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Harrisburg, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Harrisburg, PA Auto Insurance Rates
- Harrisburg, PA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Harrisburg, PA
- Multi Vehicle Insurance Savings in Harrisburg, PA
- How Credit Score Affects Car Insurance Rates in Harrisburg, PA
- How DUI Affects Auto Insurance Premiums in Harrisburg, PA
- Top Auto Insurance Agents Near Harrisburg, PA
- How Driving Violations Affect Auto Insurance Rates in Harrisburg, PA
- Harrisburg, PA Auto Insurance Discounts on Anti Theft Feature
- Harrisburg, PA Auto Insurance Company Reviews
Harrisburg, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Harrisburg, PA with that of other cities in and around Harrisburg.
| Harrisburg | Penbrook | Progress | Susquehanna | Lemoyne | Enola | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,115 | $1,399 | $1,425 | $1,435 | $1,423 | $1,411 |
Harrisburg, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Harrisburg, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Harrisburg | $1,911 | $1,614 |
| Wormleysburg | $1,684 | $1,422 |
| West Fairview | $2,767 | $2,337 |
| Penbrook | $1,286 | $1,087 |
| Lemoyne | $1,122 | $947 |
| Progress | $1,722 | $1,455 |
| Susquehanna | $1,025 | $866 |
| Enola | $1,982 | $1,674 |
Harrisburg, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Harrisburg, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,618 |
| 20 Years | $1,433 |
| 30 Years | $1,103 |
| 40 Years | $1,062 |
| 50 Years | $983 |
| 60 Years | $997 |
| 70 Years | $1,160 |
Harrisburg, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Harrisburg, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,962 | $268 |
| 3 Vehicles | $2,944 | $401 |
| 4 Vehicles | $3,925 | $535 |
Savings on 2 Vehicles bundle:$268
Savings on 3 Vehicles bundle:$401
Savings on 4 Vehicles bundle:$535
Harrisburg, PA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Harrisburg, PA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Harrisburg | $1,115 | $1,755 |
| Wormleysburg | $1,433 | $2,256 |
| West Fairview | $1,386 | $2,182 |
| Penbrook | $1,399 | $2,202 |
| Lemoyne | $1,423 | $2,240 |
| Progress | $1,425 | $2,243 |
| Susquehanna | $1,435 | $2,259 |
| Enola | $1,411 | $2,221 |
Harrisburg, PA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $957 |
| Excellent (740-799) | $1,092 |
| Good (670-739) | $1,162 |
| Average (580-669) | $1,516 |
| Poor (300-579) | $1,819 |
Harrisburg, PA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Craig Rothstein | State Farm | 1634 S Market St, Elizabethtown, 17022-2851 | 717-367-5500 |
| Alan Hostetler Insurance Agents-Brokers | Travelers | 300 S PROGRESS AVE, HARRISBURG, 17109 | 717-657-3227 |
| Black Davis & Shue Agency Inc | Liberty Mutual Independent | 2019 MARKET ST, HARRISBURG, 17103 | 717-233-8461 |
| Robert L Herr Agcy Inc | Travelers | 3508 TRINDLE RE STE 200, CAMP HILL, 17011 | 717-920-0948 |
| Integrity Underwriters, Inc. | None | 5300 Derry St , Harrisburg, 17111 | None |
| Integrity Underwriters, Inc. | None | 5300 Derry St , Harrisburg, 17111 | None |
| Timothy Ferko | Allstate | 400A W Broad St, Shillington, 19607 | (610) 777-7823 |
| K. R. Macdonald, Inc. | Liberty Mutual Independent | 4900 Derry St , Harrisburg, 17111 | None |
| Rhoades Insurance Outlet Inc | None | 4243 Oregon Pike , Ephrata, 17522 | None |
| Sharon M. Dubree | Nationwide | 40 Copperfield Cir, Lititz, 17543-9482 | (717) 627-3489 |
Harrisburg, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$49 | $1,164 |
| Driver's Failure In Showing Documents | +$108 | $1,223 |
| Driving With An Expired Registration | +$115 | $1,230 |
| Driving At A Considerably Slow Pace | +$242 | $1,357 |
| Using A Cellphone While Driving | +$255 | $1,370 |
| Running A Red Light | +$260 | $1,375 |
| Speeding | +$273 | $1,388 |
| Driving A Vehicle Without The Required Permission | +$347 | $1,462 |
| Driving With An Expired/Suspended License | +$752 | $1,867 |
Harrisburg, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,070 |
| Active Disabling Device | $1,070 |
| Tracking Device | $1,048 |
| Passive Disabling Device | $1,037 |
Latest Auto Insurance Reviews in Harrisburg, PA | Back to Top
ProgressiveI have had Progressive for few years and absolutely enjoy their service. I have been fortunate enough not to have a claim so that is a plus in my eyes
State FarmMy auto insurance is with the same state farm agent as my home insurance. I am totally satisfied with the customer service and glad I was able to combine policies with the same company.
ProgressiveIn my opinion i will recommend to anyone because of their good customer service at any time at any cost. They are giving good response through mail and also call.
AllstateMore than services, when it comes to security it differs from the other insurance companies, since they are very complete in response to the different situations that can be lived, that's why I think it's more trustworthy my insurance company
GeicoIt is very positive. It is a great experience.