Who Has the Cheapest Car Insurance Quotes in Pennsylvania? (2022)
Who Has the Cheapest Car Insurance Quotes in Pennsylvania? (2022)
State Farm has the best cheap car insurance in Pennsylvania, at $336 per year, or $28 per month, for minimum liability coverage.
Find Cheap Auto Insurance Quotes in Pennsylvania
The cost of car insurance in Pennsylvania varies widely based on your driving history, location, policy coverages and insurer. For example, the most expensive insurer in the state charges nearly twice as much as the cheapest insurer for a minimum-coverage policy. That's why it's important for drivers to compare quotes from multiple companies when purchasing auto insurance.
Cheapest car insurance in Pennsylvania: State Farm
State Farm has the cheapest rates in Pennsylvania for minimum liability car insurance — $336 per year, which is 32% below the state average.
The average cost of minimum liability car insurance in Pennsylvania is $497 per year, or $41 per month.
Find Cheap Auto Insurance Quotes in Pennsylvania
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $336 | $28 |
| Erie | $353 | $29 |
| Allstate | $536 | $45 |
| Nationwide | $566 | $47 |
| Geico | $579 | $48 |
| Progressive | $628 | $52 |
| USAA | $481 | $40 |
USAA is only available to current and former military members and their families.
Minimum liability auto insurance is the lowest level of coverage drivers can purchase, making it the least expensive form of insurance. A minimum liability policy in Pennsylvania covers injuries to the other driver and damage to their property, along with a small amount of coverage for your own injuries.
If you have a minimum-coverage policy and are in an at-fault accident where damages or injuries exceed your limits, you'll be required to pay for excess damages yourself. In addition, minimum liability insurance doesn't cover damage to your own vehicle.
For that reason, we recommend full-coverage insurance to most drivers.
Cheapest full-coverage car insurance in Pennsylvania: State Farm
State Farm also provides the most affordable rates for full-coverage insurance in Pennsylvania, with a rate of $1,052 per year. State Farm's rates are 34% cheaper than the state average of $1,586 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,052 | $88 |
| Erie | $1,177 | $98 |
| Nationwide | $1,555 | $130 |
| Allstate | $1,771 | $148 |
| Progressive | $1,857 | $155 |
| Geico | $2,045 | $170 |
| USAA | $1,644 | $137 |
USAA is only available to current and former military members and their families.
Full-coverage auto insurance includes collision and comprehensive coverage, as well as the state’s minimum liability coverages. Collision coverage pays for any damage to your car in an accident, regardless of who is at fault. 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.
Cheap car insurance for drivers with prior incidents
Drivers with accidents, speeding tickets and DUIs pay more for insurance than those with clean records. That's because insurers view these incidents as a sign you're a higher-risk driver. Your credit score also impacts your insurance rates because drivers with a low credit score tend to file more claims.
Find Cheap Auto Insurance Quotes in Pennsylvania
Cheapest car insurance after a speeding ticket: State Farm
State Farm offers the best rates for Pennsylvania drivers who have received a citation for speeding — $1,146 per year, or $96 per month, for a full-coverage policy. In Pennsylvania, drivers with a recent speeding ticket pay 14% more on average than drivers with a clean record.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,146 | $96 |
| Erie | $1,265 | $105 |
| Allstate | $1,771 | $148 |
| Progressive | $1,857 | $155 |
| Nationwide | $1,905 | $159 |
| Geico | $2,832 | $236 |
| USAA | $1,839 | $153 |
USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: State Farm
If you're a Pennsylvania driver who has recently gotten into an at-fault accident, State Farm is your best bet for affordable coverage. On average, drivers can expect rates to increase 47% after an at-fault accident.
However, State Farm only increases rates by 18%, to $1,240 per year, for full coverage. That's 47% cheaper than the average cost of coverage for Pennsylvanians after an at-fault accident.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,240 | $103 |
| Erie | $1,265 | $105 |
| Allstate | $2,325 | $194 |
| Nationwide | $2,684 | $224 |
| Progressive | $2,808 | $234 |
| Geico | $3,716 | $310 |
| USAA | $2,303 | $192 |
USAA is only available to current and former military members and their families.
Insurance companies raise rates differently after an at-fault accident. Erie only raises rates by 7%, from $1,177 before an accident to $1,265 after an accident. In contrast, Geico raises rates by 82%, from $2,045 to $3,716.
That's why it's important to compare multiple quotes when shopping for a policy, especially after a change in your driving record. Staying with your current insurer could cause you to miss out on significant savings.
Cheapest car insurance after a DUI: Allstate
Allstate offers the most affordable insurance in Pennsylvania for drivers with a DUI on their record. Its rates average $1,771 a year, or $148 a month, for full coverage, making a policy with Allstate 26% cheaper than the state average.
Drivers in Pennsylvania who receive a DUI citation can expect their car insurance rates to increase by 50%, on average.
Company | Annual rate | Monthly rate |
|---|---|---|
| Allstate | $1,771 | $148 |
| Erie | $1,818 | $152 |
| Nationwide | $1,905 | $159 |
| Progressive | $2,125 | $177 |
| State Farm | $2,510 | $209 |
| Geico | $4,359 | $363 |
| USAA | $2,213 | $184 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: Nationwide
Nationwide has the best rates for Pennsylvania drivers with a low credit score. At $1,912 per year, or $159 per month, its rates are 21% cheaper than the state average. Insurers charge Pennsylvanians with poor credit 52% more for full-coverage auto insurance than those with average credit.
Company | Annual rate | Monthly rate |
|---|---|---|
| Nationwide | $1,912 | $159 |
| State Farm | $1,982 | $165 |
| Erie | $2,469 | $206 |
| Allstate | $2,662 | $222 |
| Progressive | $2,888 | $241 |
| Geico | $3,323 | $277 |
| USAA | $1,644 | $137 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: State Farm
The cheapest auto insurance company for married drivers in Pennsylvania is State Farm, which has an annual premium of $1,052 for full-coverage insurance. That's despite the fact married drivers pay the same for car insurance as unmarried drivers with State Farm. Progressive gives married drivers the biggest discount — 25%.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,052 | $88 |
| Erie | $1,137 | $95 |
| Progressive | $1,396 | $116 |
| Nationwide | $1,461 | $122 |
| Allstate | $1,686 | $141 |
| Geico | $2,088 | $174 |
| USAA | $1,427 | $119 |
USAA is only available to current and former military members and their families.
In Pennsylvania, married drivers pay 8% less for auto insurance than unmarried drivers, on average. Married drivers statistically get into fewer accidents, making them less risky for insurers to cover.
Cheapest car insurance for young drivers in Pennsylvania: Erie
Young Pennsylvanians looking for affordable coverage will find the best rates from Erie. A minimum-coverage policy from Erie is 52% cheaper than the state average, at a cost of $803 a year.
The average cost of minimum-coverage auto insurance for an 18-year-old driver in Pennsylvania is $1,682 per year — more than three times the cost for a 30-year-old driver.
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $803 | $2,630 |
| State Farm | $1,008 | $3,044 |
| Geico | $1,342 | $4,459 |
| Nationwide | $1,722 | $4,606 |
| Progressive | $1,840 | $5,372 |
| Allstate | $4,220 | $11,812 |
| USAA | $836 | $2,743 |
USAA is only available to current and former military members and their families.
Erie also offers the best rates for full coverage, at $2,630 a year. That's 47% cheaper than the Pennsylvania state average for young drivers, which is $4,952. 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.
Cheapest car insurance for young drivers after a ticket: Erie
Erie has the most affordable car insurance for young drivers with a recent speeding ticket. Its average annual rate for minimum coverage is $968, which is 48% cheaper than the state average of $1,846.
Company | Annual rate | Monthly rate |
|---|---|---|
| Erie | $968 | $81 |
| State Farm | $1,120 | $93 |
| Geico | $1,737 | $145 |
| Progressive | $1,840 | $153 |
| Nationwide | $2,102 | $175 |
| Allstate | $4,220 | $352 |
| USAA | $936 | $78 |
USAA is only available to current and former military members and their families.
If you're a young Pennsylvania driver caught speeding, your rates will go up by 10%, on average. However, insurers increase premiums at different rates. Allstate and Progressive do not charge young drivers more after a single speeding ticket, whereas the cost of a minimum-coverage policy with Geico increases by 29%.
Cheapest car insurance for young drivers after an accident: Erie
Erie has the best car insurance rates for young drivers who have been in an at-fault accident. Minimum-coverage insurance from Erie costs $968 — the same rate that drivers with a speeding ticket pay — 54% below the state average.
However, Erie raises rates after an accident more than other insurers — 21%. Drivers with Progressive see the smallest price increase, 14%, and those with a Geico policy can expect rates to go up by 60%.
Company | Annual rate | Monthly rate |
|---|---|---|
| Erie | $968 | $81 |
| State Farm | $1,232 | $103 |
| Nationwide | $2,045 | $170 |
| Progressive | $2,099 | $175 |
| Geico | $2,143 | $179 |
| Allstate | $4,953 | $413 |
| USAA | $1,182 | $99 |
USAA is only available to current and former military members and their families.
Best car insurance companies in Pennsylvania
Erie is our pick for the best insurer in Pennsylvania, based on a high rating from our editors, a strong financial stability score, and satisfaction with customer service and claims processing.
State Farm and USAA are great alternatives to consider — both companies rank highly for customer service and financial stability, and they offer affordable rates for Pennsylvania drivers.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Erie | 856 | A+ | |
| State Farm | 852 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 823 | A+ | |
| Progressive | 834 | A+ | |
| Allstate | 830 | A+ | |
| USAA | 896 | A++ |
Our editor's rating is determined by analyzing the policy coverages each company offers, customer satisfaction scores and rates in relation to its competitors.
All of the companies included in our study received a Financial Strength Rating of "A+" or better from A.M. Best, indicating a "Superior" ability to pay out claims.
J.D. Power commissions an annual survey for car insurance customers regarding how satisfied they are with a company's claims service — a perfect score is 1,000.
Average car insurance rates in Pennsylvania by city
In addition to your age, credit score and driving history, insurers also factor your location into your auto insurance premiums. Full-coverage auto insurance in Pennsylvania fluctuates by $1,665 per year depending on where you live in the state.
Drivers in Pine Grove Mills have the cheapest car insurance rates — $1,268 per year for a full-coverage policy. On the other hand, Philadelphia drivers pay $2,933 per year, 85% more than the state average.
City | Average annual rate | Percent from average |
|---|---|---|
| Aaronsburg | $1,375 | -20% |
| Abbottstown | $1,337 | -19% |
| Abington | $1,917 | -19% |
| Ackermanville | $1,530 | -19% |
| Acme | $1,585 | -19% |
Minimum requirements for auto insurance coverage in Pennsylvania
Pennsylvania law requires drivers to have both bodily injury and property damage liability coverage, along with 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 policyholders increase their coverage limits if possible. Insurance companies will only supply coverage up to your policy’s limits, which means you are responsible for any remaining costs.
Recap of the cheapest car insurance in Pennsylvania
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Allstate
- Poor credit history: Nationwide
- Married drivers: State Farm
- Young drivers: Erie
- Young drivers after a ticket: Erie
- Young drivers after an accident: Erie
Frequently asked questions
How much is car insurance in Pennsylvania?
The average cost of car insurance in Pennsylvania is $41 per month for a minimum-coverage policy and $132 per month for a full-coverage policy.
Which insurer has the cheapest car insurance in Pennsylvania?
State Farm offers the cheapest car insurance in Pennsylvania, at $28 per month for a minimum-coverage policy and $88 per month for a full-coverage policy.
Who has the best-rated car insurance in Pennsylvania?
Erie offers the best-rated car insurance in Pennsylvania. 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 A.M. Best.
Why is car insurance so expensive in Pennsylvania?
One reason car insurance is so expensive in Pennsylvania is because it is a no-fault state. This means that your own insurance company pays for your medical bills after an accident, regardless of who was at fault.
How much is car insurance in Philadelphia?
Drivers in Philadelphia pay the highest car insurance rates in the state — $2,933 per year for a full-coverage policy, which is 85% more expensive than the state average. In comparison, drivers who live in the second-largest city in the state, Pittsburgh, pay $1,603 per year.
What happens if you drive without insurance in Pennsylvania?
Driving without insurance in Pennsylvania is illegal. If you are pulled over and unable to provide proof of insurance, or your insurer 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 insurers in the state. We used a sample driver with the following profile:
- 30-year-old male
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| 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 |
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Pennsylvania. Quotes for young drivers were calculated based on a minimum-coverage policy.
For other rates analyses (credit score, accident history and marital status) the base policy listed above was adjusted to reflect the new driver.
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.