Car Insurance in Scranton
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Understanding Car Insurance in Scranton
Pennsylvania is home to more than 8.5 million licensed drivers, and car insurance is legally required throughout the state. Whether you’re navigating the streets of downtown Scranton, commuting along I-81, or driving through the nearby Pocono Mountains, car insurance isn’t just about following the law—it’s about staying protected on the road.
Scranton is a well-known city in northeastern Pennsylvania with over 75,000 residents. Known for its hilly roads, snowy winters, and industrial history, Scranton drivers face varied traffic conditions and changing weather year-round. Having the right car insurance in Scranton can protect you from high repair bills, liability claims, or theft.
The average cost of full coverage car insurance in Scranton is around $1,370 per year, which is slightly below the Pennsylvania state average of $1,476, making it one of the more affordable cities for insurance in the state.
Minimum Car Insurance Requirements in Scranton, PA
To legally drive in Pennsylvania, you must carry:
- Bodily Injury Liability: $15,000 per person / $30,000 per accident
- Property Damage Liability: $5,000
- Medical Benefits (PIP): $5,000 minimum
Pennsylvania is a no-fault state, which means your insurer pays for your medical expenses regardless of who caused the accident.
Optional but helpful coverages include:
- Uninsured/Underinsured Motorist Coverage
- Collision & Comprehensive Coverage
- Full Tort Option (allows you to sue for pain and suffering)
Recommended Car Insurance Coverage in Scranton
While the minimum coverage keeps you legal, most drivers in Scranton choose full coverage for better protection:
| Coverage Type | What It Covers | Why It’s Useful in Scranton |
|---|---|---|
| Collision Coverage | Damage to your car in a crash | Ideal for hilly roads and winter driving |
| Comprehensive Coverage | Theft, hail, flood, fire, vandalism | Helps during storms and in parking areas |
| Uninsured Motorist Coverage | Injuries from uninsured or underinsured drivers | Helps cover losses if the other driver isn’t insured |
| Full Tort Option | Legal right to sue for pain and suffering | More complete legal protection after an accident |
Penalties for Driving Without Insurance in Scranton
If you’re caught without valid insurance in Scranton, penalties include:
- $300 fine
- 3-month suspension of license and vehicle registration
- Vehicle impoundment
- Reinstatement fees
Avoid penalties by keeping your insurance policy active and carrying proof of coverage.
Average Car Insurance Cost in Scranton, PA
| Coverage Type | Average Annual Premium |
|---|---|
| Minimum Coverage | $710 |
| Full Coverage | $1,370 |
Scranton offers some of the most affordable car insurance rates in Pennsylvania.
Cost by Age Group
| Age Group | Average Annual Premium |
|---|---|
| 16–20 | $5,400+ |
| 21–25 | $2,400 |
| 26–35 | $1,500 |
| 36–50 | $1,300 |
| 51+ | $1,100 |
As usual, young drivers pay more due to higher risk, while experienced drivers benefit from lower premiums.
Scranton vs. Other Pennsylvania Cities: Cost Comparison
| City | Full Coverage | Minimum Coverage |
|---|---|---|
| Philadelphia | $2,200 | $1,050 |
| Pittsburgh | $1,600 | $825 |
| Allentown | $1,420 | $750 |
| Erie | $1,310 | $720 |
| Reading | $1,500 | $760 |
| Scranton | $1,370 | $710 |
| Lancaster | $1,410 | $740 |
| Harrisburg | $1,440 | $755 |
| Bethlehem | $1,430 | $740 |
| York | $1,460 | $765 |
Best Car Insurance Companies in Scranton
Here are top providers offering great coverage and customer service for Scranton drivers:
| Company | Best For | Full Coverage Estimate |
|---|---|---|
| GEICO | Low-cost coverage | $1,320 |
| Erie Insurance | Personalized local service | $1,340 |
| State Farm | Local agent support | $1,360 |
| Progressive | Great for high-risk drivers | $1,390 |
| Allstate | Good bundling options | $1,420 |
Tip: Compare at least 3 quotes to find the best price and coverage combo for your ZIP code and driving history.
Factors That Affect Car Insurance Rates in Scranton
Your car insurance premium in Scranton depends on several key factors:
- Driving Record – Tickets, accidents, and claims raise your rate
- ZIP Code – Areas with higher claims may cost more
- Vehicle Type – New or luxury cars cost more to insure
- Age & Gender – Younger drivers typically pay higher rates
- Credit Score – Higher scores usually mean lower premiums
- Mileage – More driving means more risk
- Coverage Level – Full coverage costs more than liability-only
- Insurance History – Gaps in coverage can increase your rate
How to Save on Car Insurance in Scranton
Here are some tips to lower your insurance costs:
- ✅ Bundle policies (auto + renters/home insurance)
- ✅ Ask for discounts like good driver, multi-car, and safe vehicle
- ✅ Take a defensive driving course
- ✅ Increase your deductible to reduce your premium
- ✅ Compare quotes every 6–12 months
Get a Free Car Insurance Quote in Scranton Today!
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Get your free Scranton car insurance quote today and start saving with AtoZ Insurances!
FAQs – Scranton Car Insurance
Pennsylvania requires 15/30/5 liability plus $5,000 in medical benefits.
Full coverage averages $1,370 per year. Minimum liability costs about $710 annually.
Yes—especially if you drive a newer vehicle or during winter months.
GEICO and Erie Insurance often provide competitive rates for local drivers.
Drive safely, use discounts, increase your deductible, and shop around often.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.
