Harrisburg Auto Insurance Rates, Quotes, Agents & Reviews in PA

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.

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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 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

I 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 Farm
My 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.
In 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.
More 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
It is very positive. It is a great experience.