Allentown Insurance Rates:

Allentown, PA home insurance is about $609 to $826, about $50-$68/month. Our exhaustive guide reveals consumers can save as much as $287 by getting different quotes

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Allentown Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $740/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Baths 3160 sqft Rental Property Constructed In 1961 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $180/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Bath 1920 sqft Vacation Property Constructed In 1971 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $350/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1810 sqft Primary Residence Constructed In 1975 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 1460 sqft Vacation Property Constructed In 1974 with Stone Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $40/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2320 sqft Rental Property Constructed In 1945 with Linoleum, Metal Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/6 months for $25,000-$50,000 Coverage
Policy Holder Home Details :

Home Value : $45,000

3 Beds, 3 Baths 1509 sqft Primary Residence Constructed In 1969 with Wood Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Allentown, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
18104 $219,900 $760
18103 $174,900 $740
18101 $114,300 $720
18102 $102,100 $700

Allentown Rates & Quotes Analysis:

Allentown Area Estimated House Insurance
N Berks St, S Brown St, Mack Blvd, E Kurtz St, S Francis St, Blue Heron Dr, Donald St, Quartz St, N Jay St, N Grape St$707
Susquehanna St, Hanover Ave, N Reed St, S Carbon St, Vine St, Onyx St, Sherwood Ct, S Plum St, Basin St, E Pittston St$716
N 6th St Exd, Lanze Rd, S Gate St, Post St, N Niles St, S Leh St, S May St, N Ruhr St, E Jeans St, S 25th St$739
Dorset Ct N, N Charlotte St, N Jay St, N Catherine St, Barber St, Arcadia Ave, E Green St, E Clay St, S Roy St, E Elm St$764
N Hays St, Marks St, American Pkwy, N West St, N Randolph St, Type St, N Leh St, N Knapp St, W Auburn St, S Alice St$713
E Carrot St, N Dent St, N William St, State Rte 2055, S Elizabeth St, N 15th St, N 25th St, E Keats St, Dorset S, N Leh St$765
E Pine St, N Bryan St, Barner St, S Carldon St, N 27th St, Menges Ave, Catalina Ave, S Franklin St, Benner Rd, Sesqui St$763
W Federal St, N Ralph St, W Pine St, Warren St, S Meyer St, S Jute St, Jackson St, W Devonshire Rd, N 36th Ct, E St$717
Bus Park Ln, N West St, College Dr, Rhonda Ln, E Cedar St, Sage St, S St Lucas St, S Jute St, Aster St, S Crest Ave$738
Lynn St, Parkside Ct, Dent St, N Beaver St, Crest Ave, N Bradford St, Primrose Dr, Sandstone St, W Tremont St, T846$707

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,044 Homes (12% of total) built between 1960 to 1969 in Allentown are paying home insurance between $1,257-$1,267 and varies from Dorneyville (+$85), Fullerton (+$33), Salisbury (+$54), Palmerton (-$20) and Lyons (-$15).
  • Bedrooms: 11,715 2 bedrooms homes (25% of total homes ) in Allentown are paying about $489. Areas near to Allentown such as Dorneyville, Fullerton, Salisbury are costlier by $33, $13, $21 respectively whereas Finesville(NJ) and Pohatcong(NJ) are more economical by $149, $139 respectively for similar homes.
  • Auto Insurance Bundling: 3,501 Households (16% of all households) in Allentown have 3 or more vehicles available and when it is bundled with home insurance you can save $179 compared to Dorneyville ($191), Fullerton ($184), Salisbury ($187).
  • Senior Discounts: 9,230 seniors (more than 55 years) occupied housing units (44% of total) in Allentown get discounts between $107 to $109. The comparative concessions in proximate regions such as Dorneyville, Fullerton and Salisbury are $115, $110 and $112 respectively.
  • New Homes discounts: New homes such as the 10,835 homes built between 2000 to 2009 in Allentown can save $143 and differs from Dorneyville ($153), Fullerton ($147), Salisbury ($149).

Allentown Homeowners insurance Facts

  • Allentown, PA has 20,722 owner occupied houses which is 48.7% of all units whereas Dorneyville, Fullerton and Salisbury have 92.44%, 48.35% and 87.01% respectively.
  • Allentown, PA homeowners yearly insurance price at $718 is 0.51% of the typical house value of $140,300 which is in contrast with 0.3% in Dorneyville, 0.39% at Fullerton & 0.35% in Salisbury.
  • Homeowners in Allentown, PA pay 0.96% of their income ($75,000 or more) in insurance whereas homeowners in Dorneyville, Fullerton and Salisbury pay 1.02%, 0.98% and 1.0% respectively.
  • Allentown, PA’s insurance is 4.5% of monthly housing costs of $1,333/month, for owners with a mortgage compared to 3.35% in Dorneyville, 4.29% at Fullerton & 3.82% in Salisbury. But, for households without a mortgage, insurance is 12.4% of costs ($483 in Allentown, PA) in contrast with 9.85% in Dorneyville, 12.55% at Fullerton & 10.47% in Salisbury.

Allentown, PA Home Values & Insurance rates

For example, insurance for 3,592 Homes (17.0% of total homes ) valued between $100,000 to $124,999 in Allentown, PA is about $560. Rates in nearby areas in such as Dorneyville, Fullerton, Salisbury are cheaper by $231, $132, $179 respectively while Mertztown and Slatington are costlier by $6 and $6 respectively for similar homes.

Allentown, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 805 3.0% $122
$50,000 to $59,999 265 1.0% $265
$60,000 to $69,999 449 2.0% $330
$70,000 to $79,999 880 4.0% $380
$80,000 to $89,999 1,256 6.0% $430
$90,000 to $99,999 1,217 6.0% $481
$100,000 to $124,999 3,592 17.0% $560
$125,000 to $149,999 3,107 15.0% $703
$150,000 to $174,999 3,240 16.0% $825
$175,000 to $199,999 1,816 8.0% $954
$200,000 to $249,999 2,149 10.0% $1148
$250,000 to $299,999 699 3.0% $1407
$300,000 to $399,999 771 3.0% $1787

Renters Insurance in Allentown

  • Average Renters Insurance in Allentown :  $176($14/month)

  • Median Gross Rent in Allentown :  $850

  • Allentown Renters Insurance to Median Rent Ratio:  1.65%

  • Renter occupied housing units in Allentown :  21,872

Allentown Renters Insurance as a Percentage of Rent

Allentown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 578 2.0% $344
$200 to $299 887 4.0% $794
$300 to $499 1,538 7.0% $1244
$500 to $749 4,348 20.0% $1919
$750 to $999 7,775 35.0% $2669
$1,000 to $1,499 5,662 26.0% $3794
$1,500 or more 815 3.0% $5444

Rent Affordability in Allentown:

Approximately 55.0% (12,117) of households are spending more than 35% of their income on gross rent in Allentown

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,251 5.0%
15.0 to 19.9 percent 1,789 8.0%
20.0 to 24.9 percent 2,225 10.0%
25.0 to 29.9 percent 2,364 10.0%
30.0 to 34.9 percent 2,126 9.0%
35.0 percent or more 12,117 55.0%

Allentown Renters Insurance Discounts:

Allentown Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Allentown, PA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,870 45.0% $17.6
2 vehicles available 3,650 16.0% $26.4
3 or more vehicles available 622 2.0% $35.2

Protective device discount in Allentown Up to :  $26

Claims-free discount in Allentown Up to :  $35