Car Insurance Quotes in Wilkes-Barre, PA
The estimated cost of full coverage car insurance in Wilkes-Barre is $1,869 a year, against $547 for a state-minimum policy. Premiums here land roughly 6% under the Pennsylvania average thanks to lighter traffic and below-average claim frequency. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.
Car insurance calculator — Wilkes-Barre, PA
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Wilkes-Barre, PA
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,420 | $118 | -24% | Military members and families only |
| Geico | $1,533 | $128 | -18% | Usually cheapest for clean records |
| State Farm | $1,645 | $137 | -12% | Strong for young and student drivers |
| Progressive | $1,776 | $148 | -5% | Competitive after a ticket or accident |
| Travelers | $1,813 | $151 | -3% | Good multi-policy discounts |
| Nationwide | $1,869 | $156 | 0% | Mid-market, wide availability |
| Allstate | $2,131 | $178 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,261 | $188 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Wilkes-Barre, PA. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Car insurance rates by age in Wilkes-Barre
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,049 | $1,478 | $421 |
| 18 years old | $4,259 | $1,246 | $355 |
| 20 years old | $3,526 | $1,032 | $294 |
| 22 years old | $2,929 | $857 | $244 |
| 25 years old | $2,235 | $654 | $186 |
| 30 years old | $1,927 | $564 | $161 |
| 40 years old | $1,811 | $530 | $151 |
| 50 years old | $1,734 | $508 | $145 |
| 60 years old | $1,715 | $502 | $143 |
| 65 years old | $1,792 | $525 | $149 |
| 70 years old | $1,966 | $575 | $164 |
| 75 years old | $2,293 | $671 | $191 |
Estimated premiums by age in Wilkes-Barre, PA, clean record, sedan.
What a ticket, accident or DUI costs in Wilkes-Barre
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,869 | — |
| 1 speeding ticket | $2,299 | +23% |
| 1 at-fault accident | $2,748 | +47% |
| DUI / DWI | $3,533 | +89% |
What a violation costs a 35-year-old in Wilkes-Barre, PA. Surcharges normally stay on the policy for three to five years.
Minimum car insurance requirements in Pennsylvania
Every driver registering a vehicle in Pennsylvania must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Pennsylvania Department of Insurance.
| Required coverage in Pennsylvania | Minimum limit |
|---|---|
| Bodily injury liability, per person | $15,000 |
| Bodily injury liability, per accident | $30,000 |
| Property damage liability | $5,000 |
| Medical benefits $5,000 | Required |
| Insurance system | No-fault |
Coverage levels compared in Wilkes-Barre
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $547 | $46 |
| Full coverage (100/300/100 + comp & collision) | $1,869 | $156 |
| Full coverage, high limits + low deductible | $2,224 | $185 |
Coverage level comparison for Wilkes-Barre, PA.
Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.
ZIP codes we price in Wilkes-Barre
Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Wilkes-Barre covers 18701, 18702, 18703, 18705, 18706, 18710 among others. Enter yours in the calculator above.
Frequently asked questions
▸How much is car insurance in Wilkes-Barre, PA?
▸What is the minimum car insurance required in Pennsylvania?
▸Who has the cheapest car insurance in Wilkes-Barre?
▸How much does car insurance cost for a teen driver in Wilkes-Barre?
▸How much does a DUI raise insurance in Wilkes-Barre?
▸Can I lower my car insurance bill in Wilkes-Barre?
Car insurance in nearby cities
Comparing more of Pennsylvania? See every Pennsylvania city we price or read the cheap car insurance guide for Wilkes-Barre.