While the average cost of car insurance in Pennsylvania is below the national average, it can still be difficult to find the right coverage to fit your needs at the most affordable price. In this article, our experts cover the best car insurance options for Pennsylvania drivers based on cost, coverage, reliability, and service.

We take a look at average costs for many types of Pennsylvania drivers to help you get a sense of what you may pay for coverage. Although we’ve named our top five choices for the best cheap car insurance in Pennsylvania, we recommend getting quotes from top-rated providers to find the best rates and coverage for you.

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In This Review:

    Cheap Car Insurance In Pennsylvania

    To give you a better sense of how much car insurance is in the state of Pennsylvania, we’ve included a list of the five cheapest providers on average below. Travelers stands out as the most affordable option with an average cost of $786 per year. Geico, Nationwide, Erie Insurance, and Penn National Insurance follow with average rates below $1,400 for Pennsylvania drivers.

    Car Insurance Providers in Pennsylvania

    Estimated Annual Cost

    Travelers

    $786

    Geico

    $1,135

    Nationwide

    $1,229

    Erie Insurance

    $1,295

    Penn National Insurance

    $1,337

    How Much Is Auto Insurance In Pennsylvania?

    According to our rate estimates, the average cost for full coverage car insurance in Pennsylvania is $1,447 per year. Compared to the national average of $1,732 per year, Pennsylvania drivers pay about 16 percent less on average. In 2018, the National Association of Insurance Commissioners (NAIC) ranked Pennsylvania as the 20th-most expensive state for insuring a vehicle.

    It’s important to note that your car insurance rates are highly personalized and will vary based on factors such as:

    • Age: Because teen drivers are considered higher risk due to their lack of driving experience, they generally pay more for auto insurance.
    • Gender: Car insurance tends to be more expensive for men than for women in most states.
    • Marital status: The average married driver pays less for coverage than a single driver. Couples may also qualify for more family or bundling discounts when purchasing coverage together.
    • Driving record: Speeding tickets, accidents, and DUIs can all drastically increase car insurance rates.
    • Credit score: In most states, auto insurance costs tend to be significantly higher for drivers with poor credit scores.
    • Coverage level: Full coverage auto insurance policies are more expensive than those that only meet state minimum coverage requirements.

    Cheapest Pennsylvania Car Insurance: Young Drivers

    Car insurance premiums are usually more expensive for young drivers compared to older and more experienced drivers. Young drivers in Pennsylvania can generally find the cheapest car insurance with Travelers.

    Car Insurance Providers in Pennsylvania

    Estimated Annual Cost

    Travelers

    $943

    Erie Insurance

    $1,597

    Geico

    $1,666

    Nationwide

    $1,888

    Penn National Insurance

    $1,982

    Cheapest Pennsylvania Car Insurance: Speeding Tickets

    The cost of car insurance in Pennsylvania can skyrocket following a speeding ticket. Drivers in the state can turn to Travelers for affordable rates if they’ve been ticketed, and Erie Insurance and Progressive may also be smart choices.

    Car Insurance Providers in Pennsylvania

    Estimated Annual Cost

    Travelers

    $932

    Erie Insurance

    $1,400

    Progressive

    $1,552

    State Farm

    $1,640

    USAA

    $1,667

    Cheapest Pennsylvania Car Insurance: Recent Accidents

    If you want to save money on car insurance rates, it’s best to keep a clean driving record. A single car accident can boost the cost of car insurance by over 20 percent in Pennsylvania.

    Car Insurance Providers in Pennsylvania

    Estimated Annual Cost

    Travelers

    $1,005

    Erie Insurance

    $1,739

    State Farm

    $1,780

    Geico

    $2,067

    Nationwide

    $2,115

    Cheapest Pennsylvania Car Insurance: Bad Credit

    Your credit score is one of the biggest factors in determining the cost of auto insurance. A poor credit score can elevate the cost of insuring your vehicle by over 47 percent.

    Car Insurance Providers in Pennsylvania

    Estimated Annual Cost

    USAA

    $1,492

    Nationwide

    $1,664

    Travelers

    $2,102

    Geico

    $2,188

    Penn National Insurance

    $2,198

    Top 5 Auto Insurance Companies In Pennsylvania

    After a thorough review of the top insurance providers, our experts found these five car insurance companies to be the best options for car insurance in Pennsylvania. Travelers, Erie, Geico, Nationwide, and Penn National all score well in our cost, coverage, reliability, and service categories, making them stand out from the competition in the state.

    Best Car Insurance in Pennsylvania

    Overall Rating

    Cost Rating

    Coverage Rating

    1. Travelers

    4.0

    4.0

    4.5

    2. Erie Insurance

    4.0

    4.0

    4.0

    3. Geico

    5.0

    4.5

    5.0

    4. Nationwide

    4.0

    3.5

    4.5

    5. Penn National Insurance

    4.0

    3.5

    4.0

    *Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Pennsylvania.

    #1 Travelers

    Our review team selected Travelers as our No. 1 pick for the best car insurance in Pennsylvania. In our research, we found that Travelers consistently offers some of the cheapest car insurance rates to many types of drivers in the state, with average rates sometimes hundreds of dollars below competitors’.

    Travelers also has a positive reputation within the insurance industry. The company has an A++ financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB). It’s a great option for teens and young drivers in particular because of its low average rates and many discount opportunities, including discounts for good students, students away at school, and those who take a driver training course.

    Travelers Pros

    Travelers Cons

    Highly rated by AM Best and the BBB

    Doesn’t offer military discounts

    Extensive list of discounts

    Great option for teen drivers

    For more information on this provider, read our Travelers insurance review.

    #2 Erie Insurance

    Consistently ranking among the top providers in the industry, Pennsylvania-based Erie Insurance demonstrates the benefits of buying auto insurance locally. This provider focuses on customer satisfaction, which is exemplified through its A+ rating from the BBB and the fact the company has only closed 116 complaints in the last three years via the organization’s website.

    In the J.D. Power 2021 U.S. Auto Insurance Study℠, Erie ranked second for the Mid-Atlantic region with a score of 856 out of 1,000 possible points. Erie also holds an A+ financial strength rating from AM Best, which highlights the insurer’s ability to reliably pay out claims.

    Erie Insurance Pros

    Erie Insurance Cons

    Offers gap insurance, usage-based

    insurance, and accident forgiveness

    Not accredited by the BBB

    Highly rated by AM Best and the BBB

    Offers bundle discounts of 16 to 25 percent

    For in-depth information about this provider, we recommend reading our Erie Insurance review.

    #3 Geico

    Never to be counted out in discussions about top auto insurance providers, Geico was awarded Best Overall Provider by our team in our 2022 nationwide review. It’s also a great option for car insurance in Pennsylvania, and the insurer offers low rates in the state for young drivers and those with poor credit scores in particular.

    Geico is known for offering affordable rates to many types of drivers, a wide range of coverage options, and many discount opportunities. Pennsylvania drivers can take advantage of the insurer’s usage-based insurance program, DriveEasy®, which can be accessed via the Geico mobile app.

    The company has a strong industry reputation as well, with an A++ AM Best financial strength rating as well as an A+ BBB rating.

    Geico Pros

    Geico Cons

    Best Overall Provider in our industry review

    Doesn’t offer gap insurance

    Offers top-quality usage-based insurance

    Highest possible ratings from AM Best and

    the BBB

    To learn more about this provider, read our Geico insurance review.

    #4 Nationwide

    A great option for seniors and older drivers, Nationwide earned a strong overall rating of 4.0 out of 5.0 from our review team. The provider offers affordable rates across the board in Pennsylvania, but it is an especially great option for those with poor credit scores.

    Nationwide offers two great usage-based insurance programs that can help Pennsylvania drivers save significantly on their auto insurance premiums. SmartRide® monitors drivers’ behaviors on the road and rewards safe driving habits with savings. Low-mileage drivers can also take advantage of Nationwide‘s pay-per-mile option, SmartMiles®.

    Nationwide Pros

    Nationwide Cons

    Offers top-quality usage-based insurance

    Doesn’t offer new driver discounts

    Highly rated mobile app

    Great option for senior drivers

    Check out our Nationwide insurance review for more information.

    #5 Penn National Insurance

    Rounding out the top five car insurance companies in Pennsylvania is Penn National Insurance. Founded in the state in 1919, the company has been providing quality insurance products to Pennsylvania residents for over a century. It’s known for offering outstanding customer service and some of the lowest Pennsylvania auto insurance rates.

    Although it’s a smaller provider, Penn National has a positive industry reputation and highlights its reliability through its A+ BBB rating and A- financial strength rating from AM Best. It’s important to note that Penn National only offers auto insurance through individual insurance agents in Pennsylvania.

    Penn National Insurance Pros

    Penn National Insurance Cons

    Over 100 years in the industry

    Not accredited by the BBB

    Excellent customer service

    Offers discounts for young drivers and

    student drivers

    Pennsylvania Insurance Requirements

    According to Pennsylvania state law, drivers must meet the following minimum coverage requirements:

    • Bodily injury liability: $15,000 per person/$30,000 per accident
    • Property damage liability: $5,000 per accident
    • Medical benefits: $5,000 per accident
    • Limited or full tort: You must have tort coverage of some kind, whether limited tort or full tort. Limited tort provides savings on your premium but doesn’t include payments for pain and suffering. Full tort offers unrestricted rights to bring a suit against a negligent party.

    Though every driver needs to meet minimum insurance requirements, there are also optional types of coverage that can offer protection in several situations. Some of the more notable options include:

    Type of Coverage

    Coverage Description

    Uninsured Motorist Coverage

    Covers bodily injuries sustained from an

    at-fault uninsured motorist

    Underinsured Motorist Coverage

    Covers bodily injuries sustained from an

    at-fault motorist with insufficient coverage

    Collision Coverage

    Covers damage to your car from an accident

    Comprehensive Coverage

    Covers theft or damage to your car

    from hazards

    Is Pennsylvania A No-Fault State?

    Pennsylvania is one of twelve no-fault states. In a no-fault state, blame is not attributed for an accident and your car insurance coverage pays for any out-of-pocket losses incurred, up to coverage limits. The no-fault system requires all parties involved in a car accident to file a claim with their respective insurance provider.

    However, Pennsylvania is known as a “choice” no-fault state because by choosing whether to have limited or full tort coverage, drivers can basically choose whether to operate under a no-fault or fault-based system. For drivers operating under a fault-based system with full tort coverage, blame is attributed to the driver who is responsible for the accident and the system requires them to compensate other parties involved in the accident.

    How To Get Pennsylvania Car Insurance Quotes

    The first step to finding quality, affordable car insurance in Pennsylvania is comparing cost and coverage options from providers. You can get quotes online from most major providers, which makes it easy to compare car insurance quotes. Alternatively, you can call insurance companies directly or reach out to a broker or agent for more personalized service.

    Based on our review team’s thorough research, we found Travelers to be the best provider available in Pennsylvania. Its incredibly affordable insurance rates for Pennsylvania drivers set it apart from the rest of the industry. We also recommend reaching out for car insurance quotes from Erie Insurance, Geico, Nationwide, and Penn National.

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    Frequently Asked Questions

    • How much is car insurance per month in Pennsylvania?

      Our rate estimates show that Pennsylvania drivers pay about $1,447 per year for full coverage insurance, or about $121 per month. However, it’s important to note that your rates will vary based on personalized factors such as your driving record.

    • What is the minimum amount of auto insurance you need in Pennsylvania?

      In Pennsylvania, you are required to have auto insurance coverage that includes property damage liability ($5,000 per accident), bodily injury liability ($15,000 per person/$30,000 per accident), and medical benefits ($5,000 per accident). You also must have limited or full tort coverage.

    • Is car insurance expensive in Pennsylvania?

      Compared to the national average of $1,732 per year for full coverage insurance, Pennsylvania drivers pay about 16 percent less for coverage. According to our rate estimates, car insurance in Pennsylvania costs about $1,447 per year on average. According to the NAIC, Pennsylvania ranks as the 20th-most expensive state to insure your vehicle.

    • Does insurance follow the car or driver in Pennsylvania?

      According to the Pennsylvania Department of Transportation, insurance typically follows the car in Pennsylvania.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.