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Cheap Auto Insurance in Hazleton, PA

Hazleton drivers pay an average of $2,082/year β€” $311 more than the national average. With 372 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $414/year.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Hazleton, PA Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Hazleton, PA from top carriers. Rates are adjusted for Hazleton's 372 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$791$132/mo
Erie Insurance$831$139/mo
Progressive$888$148/mo
State Farm$974$162/mo
Allstate$1,184$197/mo

Estimates based on 2026 rate filings for ZIP 18201. GEICO is cheapest at ~$132/mo. Actual rates vary by driver profile and exact Hazleton location.

Hazleton Driving Safety & Insurance Stats

These Hazleton-specific safety and risk statistics directly impact what you pay for auto insurance:

$2,082
Avg. Annual Premium
372
Crashes Per Year
4
Fatal Crashes/Year
99
DUI Arrests/Year
1.8 per 1,000
Vehicle Thefts
7%
Uninsured Drivers
19.6 min
Avg. Commute
30K
Population

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Auto Insurance in Hazleton: What Drives Your Rate

Hazleton is a smaller city in Pennsylvania with a population of 29,963. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as nor'easters, heavy snow, flooding, thunderstorms, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Hazleton.

Key Risk Factors in Hazleton

For official Pennsylvania insurance regulations, visit the Pennsylvania Insurance Department. For driver licensing, see the PennDOT.

Auto Insurance Rates by ZIP Code in Hazleton, PA

Your specific ZIP code within Hazleton can swing your premium by hundreds of dollars. Here's how rates compare across Hazleton neighborhoods:

ZIP CodeNeighborhoodAvg. AnnualMonthly
18210Hazleton South Side$1,995/yr$166/mo
18202Hazleton North Side$2,006/yr$167/mo
18217Hazleton West Side$2,085/yr$174/mo
18205Hazleton East Side$2,108/yr$176/mo
18201Hazleton Downtown/Central$2,265/yr$189/mo

The cheapest ZIP is 18210 (Hazleton South Side) at $1,995/yr. The most expensive is 18201 (Hazleton Downtown/Central) at $2,265/yr β€” a $270/year difference for the same driver.

πŸŽ–οΈ Live in Hazleton South Side or Hazleton Downtown/Central?

Your Hazleton ZIP code matters. Call for a rate specific to your exact location.

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Auto Insurance Rates by Age in Hazleton, PA

Age is one of the biggest rating factors in Hazleton. Here's how rates differ by age group:

Age GroupAvg. AnnualMonthlyvs. City Avg
Teen (16-19)$4,372/yr$364/mo+110% vs avg
Young Adult (20-25)$2,915/yr$243/mo+40% vs avg
Adult (26-35)$2,082/yr$174/mo0% vs avg
Mid-Career (36-50)$1,832/yr$153/mo-12% vs avg
Senior (51-65)$1,728/yr$144/mo-17% vs avg
65+$1,853/yr$154/mo-11% vs avg

Teens in Hazleton pay an average of $4,372/year β€” 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,728/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Hazleton

Pennsylvania Auto Insurance Guides

πŸ“„ Cheap Car Insuranceβ€Ί πŸ“„ Minimum Coverageβ€Ί πŸ“„ Full Coverageβ€Ί πŸ“„ SR-22 Insuranceβ€Ί πŸ“„ No Deposit Insuranceβ€Ί πŸ“„ Liability Insuranceβ€Ί πŸ“„ Collision Insuranceβ€Ί πŸ“„ Comprehensive Insuranceβ€Ί πŸ“„ Uninsured Motorist Insuranceβ€Ί πŸ“„ PIP Insuranceβ€Ί πŸ“„ Gap Insuranceβ€Ί πŸ“„ Non-Owner Car Insuranceβ€Ί πŸ“„ Teen Driver Insuranceβ€Ί πŸ“„ Senior Driver Insuranceβ€Ί πŸ“„ Military Car Insuranceβ€Ί πŸ“„ High Risk Auto Insuranceβ€Ί πŸ“„ First-Time Driver Insuranceβ€Ί πŸ“„ Insurance After DUIβ€Ί πŸ“„ Bad Credit Car Insuranceβ€Ί πŸ“„ Multi-Car Insuranceβ€Ί πŸ“„ Rideshare Insuranceβ€Ί πŸ“„ Car Insurance Discountsβ€Ί πŸ“„ Bundle Home & Autoβ€Ί πŸ“„ Pay-Per-Mile Insuranceβ€Ί πŸ“„ Same-Day Car Insuranceβ€Ί πŸ“„ Month-to-Month Insuranceβ€Ί πŸ“„ Insurance After Accidentβ€Ί πŸ“„ Electric Vehicle Insuranceβ€Ί

More Pennsylvania Cities

Compare auto insurance rates in other Pennsylvania cities:

Hazleton, PA Auto Insurance FAQ

How much is car insurance in Hazleton, PA?
The average annual auto insurance premium in Hazleton is $2,082, which is $311 above the national average. Rates range from $1,995/yr in Hazleton South Side (ZIP 18210) to $2,265/yr in Hazleton Downtown/Central (ZIP 18201). Your driving record, age, vehicle, and exact ZIP code all affect your rate.
Who has the cheapest auto insurance in Hazleton?
GEICO typically offers the cheapest full coverage in Hazleton at around $132/month. However, with 372 annual crashes and a 7% uninsured driver rate in Hazleton, rates vary widely β€” comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.
What auto insurance is required in Hazleton, PA?
Hazleton follows Pennsylvania state law requiring minimum liability of 15/30/5. However, with 372 crashes per year and 4 fatal crashes annually in Hazleton, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Hazleton's risks including nor'easters, heavy snow, flooding, thunderstorms, ice.
Can I get a free auto insurance quote for Hazleton?
Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Hazleton ZIP code β€” whether you're in Hazleton South Side or Hazleton Downtown/Central. Most quotes take under 2 minutes.
Why is car insurance so expensive in Hazleton?
Hazleton has 372 crashes per year, 99 DUI arrests annually, and a vehicle theft rate of 1.8 per 1,000. Combined with Hazleton's 19.6 min average commute on highways like I-76, I-95, I-476, PA Tpk, these factors push premiums well above average. Comparing quotes regularly is the best way to save.
What ZIP code has the cheapest car insurance in Hazleton?
ZIP code 18210 (Hazleton South Side) tends to have the lowest rates in Hazleton at around $1,995/year. The most expensive area is Hazleton Downtown/Central (ZIP 18201) at $2,265/year β€” a difference of $270/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Pennsylvania Insurance Department β€” official state insurance regulator for Pennsylvania.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. PennDOT β€” Pennsylvania vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

Stop Overpaying for Auto Insurance in Hazleton

Hazleton drivers can save up to $414/year. ZIP 18210 (Hazleton South Side) has the lowest rates starting at $1,995/yr.

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