Who Has the Cheapest Car Insurance Quotes in Pennsylvania? (2023)
Who Has the Cheapest Car Insurance Quotes in Pennsylvania? (2023)
Erie has the best cheap car insurance in Pennsylvania, at $26 per month, or $315 per year, for a minimum-coverage policy.
Best cheap car insurance in Pennsylvania
To help you find the best cheap car insurance quotes in PA, our editorial team 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, we ranked the best car insurance in PA based on affordability for different drivers, customer service, convenience and coverage availability.
Cheapest car insurance quotes in Pennsylvania: Erie
Erie has the cheapest quote in Pennsylvania for minimum-coverage car insurance, at $26 per month, which is 35% below the state average.
The average cost of car insurance in Pennsylvania is $40 per month, or $484 per year, for minimum coverage.
Find Cheap Auto Insurance Quotes in Pennsylvania
Cheapest PA car insurance companies
Company | Monthly rate | |
|---|---|---|
| Erie | $26 |
| State Farm | $26 |
| Travelers | $33 |
| Geico | $38 |
| Nationwide | $41 |
USAA is only available to current and former military members and their families.
Minimum-coverage auto insurance is the lowest amount of coverage drivers can purchase. It's also the least expensive form of insurance.
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 be required to pay for a portion of the damage yourself because your limits won't cover all of it.
In addition, minimum-coverage insurance doesn't cover damage to your own car. That's why we recommend full-coverage insurance to most drivers, especially those with a car that's 10 years old or newer, or worth more than $3,000.
Cheapest full-coverage car insurance in Pennsylvania: State Farm
State Farm has the most affordable auto insurance quotes for a full-coverage policy in Pennsylvania. At $79 per month, State Farm's average quote is 36% cheaper than the state average of $124 per month.
Company | Monthly rate |
|---|---|
| State Farm | $79 |
| Travelers | $85 |
| Erie | $86 |
| Nationwide | $124 |
| Geico | $144 |
USAA is only available to current and former military members and their families.
Full-coverage car insurance includes collision and comprehensive coverage, along with the state’s minimum liability coverages.
Collision coverage pays for any damage to your car in an accident, regardless of whose fault it is. Comprehensive coverage pays for damage to your car in situations that are out of your control, like a hailstorm or a fire in your garage.
Cheap car insurance quotes for PA drivers with prior incidents
State Farm has the best cheap car insurance quotes for Pennsylvania drivers with past tickets, DUIs or accidents.
Drivers with accidents, speeding tickets and DUIs pay more for insurance than those with clean records. That's because insurance companies view these incidents as a sign you're a higher-risk driver.
Your credit score can also impact your insurance quotes because drivers with a low credit score tend to file more claims.
Find Cheap Auto Insurance Quotes in Pennsylvania
Cheapest car insurance in PA after a speeding ticket: State Farm
State Farm offers the most affordable quotes for Pennsylvania drivers who have received a speeding ticket. A full-coverage policy from State Farm costs $84 per month, which is 40% cheaper than the state average of $141 per month.
Company | Monthly rate |
|---|---|
| State Farm | $84 |
| Erie | $97 |
| Travelers | $104 |
| Nationwide | $152 |
| Allstate | $176 |
In Pennsylvania, drivers with a single speeding ticket pay 13% more on average than drivers with a clean record.
Cheapest car insurance quotes after an accident: State Farm
State Farm has the best rates for Pennsylvania drivers who have recently caused an accident.
State Farm only increases full-coverage quotes by 15% after an accident, to $91 per month. That's 51% cheaper than the average cost of coverage in Pennsylvania.
Company | Monthly rate |
|---|---|
| State Farm | $91 |
| Travelers | $117 |
| Erie | $118 |
| Nationwide | $215 |
| Allstate | $246 |
Pennsylvania drivers can expect quotes to increase by 49% after an at-fault accident. However, not all insurance companies raise rates by the same amount. For example, Geico increases the cost of car insurance by 81% 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 car insurance quotes in PA after a DUI: State Farm
State Farm offers the cheapest insurance in Pennsylvania for drivers with a DUI on their record. Its rates average $84 a month for full coverage, which is half the price of the state average.
Company | Monthly rate |
|---|---|
| State Farm | $84 |
| Travelers | $123 |
| Erie | $140 |
| Nationwide | $152 |
| Allstate | $176 |
Drivers in Pennsylvania who receive a DUI citation can expect their car insurance rates to increase by 37%, on average.
Cheapest car insurance for drivers with poor credit: Nationwide
Nationwide has the best cheap quotes for Pennsylvania drivers with a low credit score. At $173 per month for full coverage, Nationwide's rate is 22% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Nationwide | $173 |
| State Farm | $174 |
| Erie | $201 |
| Travelers | $234 |
| Geico | $268 |
Insurance companies charge Pennsylvanians with bad credit 78% more for full-coverage auto insurance than those with good credit.
Cheapest car insurance for young drivers in Pennsylvania: Erie
Erie has the best minimum-coverage car insurance rates in Pennsylvania for teen drivers.
A minimum-coverage policy from Erie is 36% cheaper than the state average, at $72 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 average cost of minimum-coverage auto insurance for an 18-year-old driver in Pennsylvania is $112 per month — nearly three times the cost for a 30-year-old driver.
Cheapest PA car insurance companies for teens
Company | Minimum coverage | Full coverage |
|---|---|---|
| Erie | $72 | $230 |
| Travelers | $73 | $181 |
| State Farm | $79 | $227 |
| Geico | $82 | $313 |
| Nationwide | $125 | $367 |
Travelers offers the best rate for full coverage, at $181 per month. That's 42% cheaper than the Pennsylvania state average for teen drivers, which is $312 per month.
We recommend full-coverage insurance to young drivers.
Because they are more likely to be in an accident, young drivers benefit from the added security of collision and comprehensive coverage, which helps pay for damage to your own car.
Cheapest car insurance quotes for young drivers after a ticket: State Farm
State Farm has the most affordable car insurance for young drivers with a recent speeding ticket. Its average quote for minimum coverage is $86 per month, which is 30% cheaper than the state average of $124 per month.
Company | Monthly rate |
|---|---|
| State Farm | $86 |
| Travelers | $88 |
| Erie | $91 |
| Geico | $105 |
| Nationwide | $153 |
If you're a teen driver caught speeding in Pennsylvania, your rates will go up by around 11%, depending on your insurance company. Allstate and Progressive don't charge young drivers more after a single speeding ticket, while the cost of a minimum-coverage policy with Geico increases by 28%.
Cheapest car insurance in PA for teen drivers after an accident: State Farm
State Farm has the best car insurance quotes for young drivers who have caused an accident. Minimum-coverage insurance from State Farm costs $95 per month, which is 32% less than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $95 |
| Erie | $102 |
| Travelers | $104 |
| Geico | $129 |
| Nationwide | $149 |
However, State Farm raises rates by 21% after an accident, which is more than some companies. Drivers with Allstate and Progressive see the smallest price increases, at 13% and 14%, respectively. Teens insured with Geico can expect rates to go up by 57%.
Cheapest Pennsylvania car insurance for married drivers: State Farm
State Farm is the cheapest auto insurance company for married drivers in Pennsylvania. That's despite the fact that married drivers pay the same rate for car insurance as unmarried drivers with State Farm — $79 per month for full coverage. Progressive gives married drivers the biggest discount — 19%.
Company | Monthly rate per car |
|---|---|
| State Farm | $79 |
| Erie | $83 |
| Travelers | $86 |
| Nationwide | $117 |
| Progressive | $146 |
In Pennsylvania, married drivers pay 7% less for auto insurance than unmarried drivers, on average. Married drivers statistically get into fewer accidents, making them less risky for insurance companies to protect.
Best car insurance companies in Pennsylvania
Erie is our pick for the best car insurance in Pennsylvania for most drivers, based on its excellent customer service reputation, affordable quotes and availability.
State Farm and USAA are great alternatives to consider — both companies rank highly for customer service, and they offer low rates for Pennsylvania drivers. However, not all drivers can buy car insurance from USAA — only military members, veterans and their families are eligible.
Best PA car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 870 | 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 a reputation for great service usually have an easy claims process that 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 quotes in Pennsylvania by city
Philadelphia drivers pay the highest car insurance rates in Pennsylvania — with an average of $229 per month for full coverage.
Drivers in Houserville, a small town in central Pennsylvania, have the cheapest car insurance quotes, with an average of $98 per month.
In addition to your age, credit score and driving history, insurance companies also factor your location into your auto insurance quotes. Full-coverage auto insurance in Pennsylvania varies by $131 per month depending on where you live in the state.
City | Average monthly cost | Percentage difference from average |
|---|---|---|
| Aaronsburg | $107 | -14% |
| Abbottstown | $104 | -16% |
| Abington | $150 | 21% |
| Ackermanville | $121 | -3% |
| Acme | $124 | 0% |
Minimum requirements for auto insurance coverage 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 to buy medical benefits coverage, which offers protection for your own personal injuries.
Coverage | Limit |
|---|---|
| Bodily injury liability | $15,000 per person/$30,000 per accident |
| Property damage liability | $5,000 |
| Medical benefits | $5,000 |
Drivers can also choose a single limit of $35,000, which meets both the bodily injury and property damage liability requirements.
These are the lowest coverage limits you can get to legally drive on Pennsylvania roads. However, we recommend that drivers increase these limits if you can afford the cost. Insurance companies will only pay for damage up to your policy’s limits. If you're in an expensive accident, minimum coverage limits probably won't be high enough to cover all of the expenses, so you'll have to pay for the remaining damage out of pocket.
Frequently asked questions
Which insurance company has the cheapest car insurance in Pennsylvania?
Erie offers the cheapest car insurance in Pennsylvania, at $26 per month for a minimum-coverage policy. The cheapest full-coverage insurance in Pennsylvania comes from State Farm, at $79 per month.
How much is car insurance in Pennsylvania?
The average cost of car insurance in Pennsylvania is $40 per month for a minimum-coverage policy and $124 per month for a full-coverage policy.
Who has the best car insurance in Pennsylvania?
Erie offers the best-rated car insurance in Pennsylvania for most drivers. Our editors gave the company 4.5 out of 5 stars. It also received high marks from J.D. Power for customer satisfaction and an excellent financial stability score from AM Best.
Is car insurance expensive in Pennsylvania?
Car insurance in Pennsylvania is not expensive compared to the rest of the country. It ranks as the 12th cheapest state for a minimum-coverage policy and the 11th cheapest state for a full-coverage policy. One reason car insurance is cheap is that Pennsylvania has a low percentage of uninsured drivers.
How much is car insurance in Philadelphia?
Drivers in Philadelphia pay the highest car insurance rates in the state. At $229 per month, a full-coverage policy in Philadelphia is 84% more expensive than the state average. In comparison, drivers who live in the second-largest city in the state, Pittsburgh, pay $128 per month.
What happens if you drive without insurance in Pennsylvania?
Driving without insurance in Pennsylvania is illegal. If you are pulled over and don't have proof of insurance, or your insurance company notifies the state that your policy has lapsed, you'll receive a $300 fine, along with a three-month suspension of your driver's license and vehicle registration. You will also have to pay $94 to restore your vehicle registration and another fee to reinstate your driver's license.
Methodology
We collected thousands of rates from ZIP codes across Pennsylvania for the largest insurance companies in the state. Unless otherwise noted, quotes are based on a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full-coverage quotes include the following limits:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Medical coverage | $5,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/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 insurer 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.