Who Has the Cheapest Car Insurance Quotes in Pennsylvania? (2024)
Erie has the best cheap car insurance in Pennsylvania, at $97 per month for full coverage.
Find Cheap Auto Insurance Quotes in Pennsylvania
Best cheap car insurance companies in Pennsylvania
To help you find the best cheap car insurance quotes in PA, ValuePenguin compared rates from the top insurance companies in the state across every ZIP code.
Quotes for minimum coverage meet Pennsylvania's state minimum requirements of $15,000 in bodily injury liability coverage per person and $30,000 per accident, plus $5,000 in property damage coverage and $5,000 in medical payments coverage.
Quotes for full coverage policies include higher liability limits than state minimums, plus collision and comprehensive coverage.
In addition, our experts ranked the best car insurance in PA based on cost, customer service, convenience and coverage availability.
Cheapest full coverage car insurance in PA: Erie
Erie has the most affordable car insurance quotes in PA for full coverage insurance.
At $97 per month, full coverage from Erie is $58 per month cheaper than the statewide average.
Find Cheap Auto Insurance Quotes in Pennsylvania
The average cost of car insurance in Pennsylvania is $155 per month for full coverage. That's $10 per month less than the national average.
Best car insurance in PA for full coverage
Company | Monthly rate | |
|---|---|---|
| Erie | $97 |
| The Hartford | $101 |
| State Farm | $117 |
| Nationwide | $160 |
| Allstate | $198 |
*USAA is only available to current and former military members and their families.
Cheapest liability car insurance in Pennsylvania: Erie
Erie has the cheapest state minimum car insurance in Pennsylvania, at $28 per month.
That's $22 per month less than the Pennsylvania average, which is $50 per month.
Best cheap auto insurance in PA
Company | Monthly rate |
|---|---|
| Erie | $28 |
| State Farm | $34 |
| The Hartford | $38 |
| Nationwide | $48 |
| Progressive | $64 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Pennsylvania
Cheap insurance in PA for teens: Erie and The Hartford
Erie has the best minimum coverage car insurance rates in Pennsylvania for young drivers.
A minimum coverage policy from Erie is 41% cheaper than the state average, at $70 per month. Young drivers can find even cheaper quotes with USAA. However, you have to be a military member or have a family member who served to buy car insurance from USAA.
The Hartford offers the best rate for full coverage, at $210 per month for an 18-year-old. That's 42% cheaper than the Pennsylvania average for teen drivers, which is $364 per month.
Although full coverage from Erie costs more than The Hartford, Erie has much better customer service reviews. Erie's quick and easy claims process could be with an extra $25 per month if you're ever in an accident.
Best PA auto insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $70 | $235 |
| The Hartford | $86 | $210 |
| State Farm | $102 | $336 |
| Geico | $121 | $360 |
| Nationwide | $140 | $465 |
Young drivers in Pennsylvania should consider full coverage insurance.
Young drivers are more likely to be in an accident. So you could benefit from collision and comprehensive coverage, which helps pay for damage to your own car.
If you can't afford your own full coverage policy, it could be much cheaper to share a policy with your parents. On average, a shared family policy costs 62% less than two separate policies.
Cheap PA insurance after a speeding ticket: Erie
Erie offers the most affordable Pennsylvania car insurance quotes after a speeding ticket. A full coverage policy from Erie costs $109 per month, which is 40% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Erie | $109 |
| The Hartford | $122 |
| State Farm | $125 |
| Nationwide | $195 |
| Allstate | $198 |
In Pennsylvania, drivers with a single speeding ticket pay 17% more than drivers with a clean record. That's an average increase of $26 per month for full coverage.
Cheapest PA insurance quotes after an accident: Erie
Erie has the best cheap Pennsylvania auto insurance after an accident.
Erie only raises full-coverage quotes to $109 per month after an accident. That's an increase of only $12 per month, and the same rate Erie charges drivers after a speeding ticket. It also costs half as much as average in Pennsylvania after a crash.
Best insurance companies in PA after an accident
Company | Monthly rate |
|---|---|
| Erie | $109 |
| State Farm | $117 |
| The Hartford | $137 |
| Allstate | $198 |
| Progressive | $214 |
Pennsylvania drivers can expect quotes to increase by 32% after an at-fault accident.
However, not all insurance companies raise rates by the same amount. For example, your rates may not go up with Allstate, Progressive or State Farm if you have accident forgiveness. But, Geico increases the cost of car insurance by 83% after a single accident.
That's why it's important to compare multiple quotes when shopping for a policy, especially after a change in your driving record.
Cheapest quotes for teens after a ticket or accident: Erie
Erie has the most affordable car insurance for young drivers after a speeding ticket or accident.
Minimum coverage from Erie is $85 per month for an 18-year-old after one speeding ticket. That's $49 per month cheaper than the Pennsylvania average of $134 per month after a ticket.
Erie is also the cheapest company after an at-fault accident. At $80 per month, minimum coverage from Erie is $57 per month less than the statewide average.
Best PA car insurance quotes for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $85 | $80 |
| The Hartford | $103 | $123 |
| State Farm | $111 | $102 |
| Progressive | $159 | $159 |
| Geico | $167 | $173 |
Young drivers in Pennsylvania can expect their rates to go up by 13% after one speeding ticket, and 16% after an accident.
Cheapest auto insurance quotes in PA after a DUI: The Hartford
The Hartford has the cheapest insurance in Pennsylvania for drivers with a DUI (driving under the influence) on their record. Its rates average $145 a month for full coverage, which is 35% cheaper than the state average.
Pennsylvania drivers should also consider Erie after a DUI. Full coverage from Erie is only $14 per month more than The Hartford. But Erie's excellent customer service will come in handy if you're in a crash.
Company | Monthly rate |
|---|---|
| The Hartford | $145 |
| Erie | $159 |
| Nationwide | $195 |
| Allstate | $198 |
| Progressive | $259 |
Drivers in Pennsylvania can expect their car insurance rates to increase by 45% after a DUI.
Cheapest insurance for drivers with poor credit: Nationwide
Nationwide has the best cheap quotes for Pennsylvania drivers with a low credit score. At $220 per month for full coverage, Nationwide's rate is 28% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Nationwide | $220 |
| Erie | $226 |
| The Hartford | $277 |
| Allstate | $330 |
| Progressive | $364 |
Insurance companies in Pennsylvania charge drivers with bad credit nearly twice as much for full coverage compared to those with good credit. That's because car insurance companies believe that drivers with poor credit scores are more likely to make a claim in the future.
Best car insurance in PA
USAA has the best car insurance in Pennsylvania, based on its excellent customer service reputation and affordable quotes.
However, not all drivers can buy car insurance from USAA. Only military members, veterans and their families are eligible.
Erie is the best car insurance company in Pennsylvania for drivers who aren't eligible for USAA. Erie has positive customer service reviews, along with some of the cheapest rates in the state.
Best insurance companies in PA
Company |
Editor's rating
|
J.D. Power
|
A.M. Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 871 | A+ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
The best car insurance in Pennsylvania should offer reliable customer service along with cheap rates.
Companies with great service reviews usually have an easy claims process. That means they can help you get back on the road fast after an accident. Poor customer service can drag out the claims process, and you could end up paying more for repairs.
Average car insurance cost in Pennsylvania by city
Philadelphia drivers pay the highest car insurance rates in Pennsylvania at $278 per month for full coverage.
Drivers in Houserville, a small town in central Pennsylvania, have the cheapest car insurance quotes, with an average of $124 per month. That's less than half what drivers in Philadelphia pay for the same coverage.
Average cost of car insurance in PA by city
City | Monthly rate | % from average |
|---|---|---|
| Aaronsburg | $135 | -13% |
| Abbottstown | $130 | -16% |
| Abington | $180 | 16% |
| Ackermanville | $152 | -2% |
| Acme | $156 | 1% |
Full coverage car insurance in Pennsylvania varies by $154 per month depending on where you live in the state. Rates are typically more expensive in larger cities with more traffic and higher crime rates. That's because drivers are more likely to get in an accident or have their car stolen.
Minimum car insurance requirements in Pennsylvania
Pennsylvania law requires drivers to have both bodily injury and property damage liability coverage, sometimes written as 15/30/5. Pennsylvania drivers also need medical benefits coverage, which pays for your own injuries.
- Bodily injury liability: $15,000 per person; $30,000 per accident
- Property damage liability: $5,000 per accident
- Medical benefits: $5,000
These are the lowest coverage limits you can get to legally drive on Pennsylvania roads.
However, if you can afford the cost, you should choose higher limits. Insurance companies will only pay for damage up to your policy’s limits. If you cause a major accident, minimum coverage limits probably won't be high enough to cover all of the expenses. You would have to pay for the remaining damage out of pocket.
What's the best car insurance coverage for Pennsylvania drivers?
Full-coverage car insurance in Pennsylvania is $105 per month more expensive than minimum liability coverage. That's mainly because full coverage includes collision and comprehensive coverage, along with more than the state’s minimum liability coverages.
- Collision coverage pays for damage to your car due to an accident, regardless of whose fault it is.
-
Comprehensive coverage pays for damage to your car in situations that are out of your control, such as a hailstorm or a fire in your garage.
In comparison, minimum coverage insurance doesn't offer any protection for your car.
Lenders typically require you to have full coverage insurance if you have a loan or lease on your car. You should also consider full coverage if your car is less than eight years old or worth more than $5,000.
Minimum coverage auto insurance is the least expensive form of insurance you can get.
A minimum coverage policy in Pennsylvania covers injuries to the other driver and damage to their property, up to a set amount. It also includes a small amount of coverage for your own injuries.
If you have a minimum coverage policy and cause a major accident, you'll probably have to pay for some of the damage.
In addition, minimum coverage insurance doesn't cover damage to your own car. That's why most drivers should get full coverage insurance. This is especially true for those with a car that's eight years old or newer, or worth more than $5,000.
Frequently asked questions
What is the cheapest car insurance in PA?
Erie has the cheapest car insurance in Pennsylvania, at $28 per month for a minimum coverage policy. It also has the cheapest full coverage insurance, at $97 per month.
How much is car insurance in PA?
The average cost of car insurance in Pennsylvania is $50 per month for a minimum coverage policy. Full coverage costs an average of $155 per month.
Which car insurance is best for Pennsylvania?
USAA has the best-rated car insurance in Pennsylvania, but it's not available to most drivers.
Erie is a great option for people who don't qualify for USAA. Erie has excellent customer service and affordable rates for most Pennsylvania drivers.
Why is Pennsylvania car insurance so expensive?
Car insurance in Pennsylvania is not expensive compared to the rest of the country. Minimum coverage in Pennsylvania is 22% cheaper than the national average, and full coverage costs 6% less than average. One reason car insurance is cheap is that Pennsylvania has a low percentage of uninsured drivers.
How much is car insurance in Pittsburgh?
Drivers in Pittsburgh pay an average of $158 per month for full coverage insurance. That's only 2% more expensive than the Pennsylvania average. In comparison, drivers who live in the largest city in the state, Philadelphia, pay $278 per month.
Methodology
To find the best cheap car insurance in PA, ValuePenguin collected thousands of rates from ZIP codes across Pennsylvania for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full-coverage quotes include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Medical coverage: $5,000
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.