Cheapest Auto Insurance in Harrisburg, Pennsylvania (2025)
National General offers the cheapest car insurance in Harrisburg, with minimum-coverage policies as low as $66 per month.
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Located along the banks of the Susquehanna River, Harrisburg is known for attractions like the Harrisburg Shakespeare Festival and the Susquehanna Museum of Art. Even though it’s the capital of Pennsylvania and home to more than 50,000 people, its car insurance rates are cheaper than the state average.
This is likely due to its comparatively lower car accident rates.1 Harrisburg recorded 569 motor vehicle accidents in 2022, according to Pennsylvania Department of Transportation data.
Harrisburg drivers can find the lowest car insurance rates from National General, State Farm, and Progressive. But comparing car insurance quotes from multiple companies could help drivers find even better rates.
Here’s what you need to know about finding affordable car insurance coverage in Harrisburg.
Quick Facts
Harrisburg drivers pay an average of $87 per month for liability insurance and $171 per month for full coverage.
Harrisburg drivers can choose between “limited-tort” (no-fault) and “full-tort” (at-fault) auto insurance coverage.
Drivers with good-to-excellent credit usually lock in better rates than drivers with poor credit.
Cheapest car insurance companies in Harrisburg
As you look for the right car insurance company, consider factors like your ZIP code, budget, driving record, coverage level options, and personal needs. The best way to find the ideal coverage for you is to compare quotes from several insurers.
USAA, Mile Auto, and Clearcover are three insurers to consider in any comparison list. Here, you can learn more about each company and see the state coverage averages for each insurer.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members: USAA
Best insurer for infrequent drivers: Mile Auto
Best insurer for students: Clearcover
How to get the cheapest car insurance in Harrisburg
No two car companies will judge your unique driver profile the same. Each has its own underwriting process, coverage options, and policy specifics. That’s why you should do your research and explore your options.
As you search for new insurance, keep these tips in mind to help you secure the best deal on an auto policy in Harrisburg:
Shop around. It’s a good idea to get quotes from at least three different car insurance companies. This can help you find the lowest price and the lowest rates for your unique needs and financial situation.
Look for discounts. Most car insurers offer a variety of discounts. You may qualify for one for being a good student, insuring multiple vehicles, or installing an anti-theft device.
Consider usage-based insurance. Usage-based, or pay-per-mile insurance, might lessen your insurance costs, especially if you work from home, are retired, or don’t drive a lot. Your monthly premiums will be based on the miles you drive.
Drive responsibly. Speeding tickets, at-fault accidents, and DUIs can all increase your insurance premiums. Practice safe driving habits to keep your costs low.
Cheapest liability-only car insurance in Harrisburg: National General
Pennsylvania requires all drivers to have at least a minimum amount of liability car insurance. This coverage pays for the other driver’s property damage and injuries in an accident you cause. Because it’s the minimum required car insurance, it’s usually the cheapest option.
National General offers the most affordable liability insurance for Harrisburg drivers, with rates starting at $66 per month.
The table below shows quotes for liability-only policies from different car insurance companies in Harrisburg.
Cheapest full-coverage car insurance in Harrisburg: State Farm
Full-coverage car insurance is typically made up of three types of coverage: liability, collision, and comprehensive coverages. This type of car insurance can provide you with additional protection and peace of mind, and it may be required if you have a lease or loan on your car.
Here’s a look at the insurance companies with the cheapest quotes for full-coverage auto insurance in Harrisburg.
Car insurance requirements in Pennsylvania
The state of Pennsylvania is unusual in that it operates under a choice no-fault system for auto insurance.5
As a driver in Harrisburg, you can choose between “limited-tort” (no-fault) and “full-tort” (at-fault) coverage. If you opt for the limited-tort option, you’ll file a claim with your own insurer after a car accident, even if you weren’t at fault.
Full tort, on the other hand, usually comes with higher monthly payments but allows you to recover compensation for property damage and medical bills following an accident that wasn’t your fault.
In order to drive legally in Pennsylvania, your coverage must at least meet the following minimum car insurance requirements:
Adding more coverage to your auto insurance policy can protect your finances in a number of situations.
Here are some additional coverages to consider including in your policy:
Cheapest car insurance for drivers with an incident
Incidents such as at-fault accidents, speeding tickets, and driving under the influence (DUI) position you as a riskier driver to insurance companies. In turn, insurers will increase your car insurance premiums. This is why Harrisburg drivers with clean records usually pay cheaper rates than high-risk drivers.
Fortunately, finding affordable insurance with a poor driving record is still possible. Here’s an overview of the cheapest companies for Harrisburg drivers with incidents on their records.
Average cost of car insurance by age
Compared to teens and younger adults, seniors have a higher car accident mortality rate.7 Average premiums, by age group, tend to go down around age 35 and pick back up around age 70. This is due to age-related physical and mental limitations, including changes in vision and reaction time.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Harrisburg car insurance quotes by credit tier
Pennsylvania allows car insurance companies to consider your credit history when they underwrite your policy and determine your premium.
Because the top car insurance companies perceive drivers with good to excellent credit as less risky than drivers with poor credit, they offer these drivers the best coverage and most affordable car insurance rates.
The table below outlines the best car insurance rates for Harrisburg drivers with different credit scores.
Harrisburg car insurance FAQs
Looking for more information to help you find the most affordable car insurance rates in Harrisburg? Consult the answers here.
How much is car insurance in Harrisburg?
The average rate for car insurance in Harrisburg is $129. More specifically, the average rate for liability-only coverage is $87 per month, and the average rate for full coverage is $171.
Which insurer has the cheapest car insurance in Harrisburg?
National General offers the most affordable car insurance in Harrisburg, on average. State Farm and Progressive also offer low rates in the area. To find the best policy for you, make sure to compare quotes from several insurers.
What are the best car insurance companies in Harrisburg?
USAA, Mile Auto, and Clearcover rank as three of the top insurers in Harrisburg because they serve unique communities.
If you’re one of Harrisburg’s more than 2,000 veterans or active-duty personnel, USAA offers unique benefits for you. Low-mileage drivers have a unique opportunity to save with Mile Auto, and if you’re a student, you’ll find numerous discount opportunities with Clearcover.
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