Hershey drivers pay an average of $2,001/year — $230 more than the national average. With 150 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $333/year.
(888) 217-6781Estimated full coverage auto insurance rates for Hershey, PA from top carriers. Rates are adjusted for Hershey's 150 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $761 | $127/mo |
| Erie Insurance | $799 | $133/mo |
| Progressive | $854 | $142/mo |
| State Farm | $936 | $156/mo |
| Allstate | $1,138 | $190/mo |
Estimates based on 2026 rate filings for ZIP 17033. GEICO is cheapest at ~$127/mo. Actual rates vary by driver profile and exact Hershey location.
These Hershey-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Hershey, PA. Takes under 2 minutes.
(888) 217-6781Hershey is a smaller city in Pennsylvania with a population of 13,858. 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 Hershey.
For official Pennsylvania insurance regulations, visit the Pennsylvania Insurance Department. For driver licensing, see the PennDOT.
Your specific ZIP code within Hershey can swing your premium by hundreds of dollars. Here's how rates compare across Hershey neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 17036 | Hershey South Side | $1,921/yr | $160/mo |
| 17037 | Hershey North Side | $1,931/yr | $161/mo |
| 17041 | Hershey West Side | $1,964/yr | $164/mo |
| 17043 | Hershey East Side | $2,063/yr | $172/mo |
| 17033 | Hershey Downtown/Central | $2,136/yr | $178/mo |
The cheapest ZIP is 17036 (Hershey South Side) at $1,921/yr. The most expensive is 17033 (Hershey Downtown/Central) at $2,136/yr — a $215/year difference for the same driver.
Your Hershey ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Hershey. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,202/yr | $350/mo | +110% vs avg |
| Young Adult (20-25) | $2,801/yr | $233/mo | +40% vs avg |
| Adult (26-35) | $2,001/yr | $167/mo | 0% vs avg |
| Mid-Career (36-50) | $1,761/yr | $147/mo | -12% vs avg |
| Senior (51-65) | $1,661/yr | $138/mo | -17% vs avg |
| 65+ | $1,781/yr | $148/mo | -11% vs avg |
Teens in Hershey pay an average of $4,202/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,661/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Pennsylvania cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Hershey drivers can save up to $333/year. ZIP 17036 (Hershey South Side) has the lowest rates starting at $1,921/yr.
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