Johnstown drivers pay an average of $1,961/year — $190 more than the national average. With 233 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $293/year.
(888) 217-6781Estimated full coverage auto insurance rates for Johnstown, PA from top carriers. Rates are adjusted for Johnstown's 233 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $745 | $124/mo |
| Erie Insurance | $783 | $130/mo |
| Progressive | $837 | $139/mo |
| State Farm | $917 | $153/mo |
| Allstate | $1,115 | $186/mo |
Estimates based on 2026 rate filings for ZIP 17088. GEICO is cheapest at ~$124/mo. Actual rates vary by driver profile and exact Johnstown location.
These Johnstown-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Johnstown, PA. Takes under 2 minutes.
(888) 217-6781Johnstown is a smaller city in Pennsylvania with a population of 18,411. 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 Johnstown.
For official Pennsylvania insurance regulations, visit the Pennsylvania Insurance Department. For driver licensing, see the PennDOT.
Your specific ZIP code within Johnstown can swing your premium by hundreds of dollars. Here's how rates compare across Johnstown neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 17100 | Johnstown South Side | $1,814/yr | $151/mo |
| 17108 | Johnstown West Side | $1,906/yr | $159/mo |
| 17090 | Johnstown North Side | $1,921/yr | $160/mo |
| 17094 | Johnstown East Side | $1,995/yr | $166/mo |
| 17088 | Johnstown Downtown/Central | $2,146/yr | $179/mo |
The cheapest ZIP is 17100 (Johnstown South Side) at $1,814/yr. The most expensive is 17088 (Johnstown Downtown/Central) at $2,146/yr — a $332/year difference for the same driver.
Your Johnstown ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Johnstown. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,118/yr | $343/mo | +110% vs avg |
| Young Adult (20-25) | $2,745/yr | $229/mo | +40% vs avg |
| Adult (26-35) | $1,961/yr | $163/mo | 0% vs avg |
| Mid-Career (36-50) | $1,726/yr | $144/mo | -12% vs avg |
| Senior (51-65) | $1,628/yr | $136/mo | -17% vs avg |
| 65+ | $1,745/yr | $145/mo | -11% vs avg |
Teens in Johnstown pay an average of $4,118/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,628/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.
Johnstown drivers can save up to $293/year. ZIP 17100 (Johnstown South Side) has the lowest rates starting at $1,814/yr.
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