Best cheap car insurance companies in PA
Best and cheapest car insurance in Pennsylvania
- Cheapest full coverage: Travelers, $101/mo
- Cheapest minimum liability: Erie, $28/mo
- Cheapest for young drivers: Erie, $70/mo
- Cheapest after a ticket: Erie, $117/mo
- Cheapest after an accident: Erie, $117/mo
- Cheapest for teens after a ticket: Erie, $86/mo
- Cheapest after a DUI: Travelers, $145/mo
- Cheapest for poor credit: Erie, $245/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best mix of affordable rates and reliable customer service in Pennsylvania. State Farm is also a great choice. It has good customer service, but it's typically more expensive than Erie.
While The Hartford, Allstate and Nationwide have cheap rates for some drivers, their customer service reviews aren't as good as Erie's and State Farm's.
Cheapest car insurance in PA for full coverage: Travelers
Travelers and Erie have the best and cheapest full coverage car insurance in Pennsylvania.
Find Cheap Auto Insurance Quotes in Pennsylvania
Full coverage from Travelers costs $101 per month. That's $71 per month cheaper than the statewide average of $174 per month.
Erie's full coverage costs only $4 more per month than Travelers, and Erie is one of the best companies for customer service.
Top car insurance companies in PA for full coverage
Company | Monthly rate | |
|---|---|---|
| Travelers | $101 |
| Erie | $105 |
| State Farm | $126 |
| USAA ? | $152 |
| Nationwide | $186 |
| Data-powered research on Pennsylvania car insurance |
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Cheapest car insurance in PA for minimum coverage: Erie
Erie has the cheapest state minimum car insurance in Pennsylvania, at $28 per month.
That's $26 per month less than the Pennsylvania average, which is $54 per month.
Best cheap car insurance in PA
Company | Monthly rate |
|---|---|
| Erie | $28 |
| State Farm | $36 |
| Travelers | $36 |
| USAA ? | $36 |
| Nationwide | $59 |
Find Cheap Auto Insurance Quotes in Pennsylvania
Pennsylvania drivers are required to have 15/30/5 car insurance , but most people get more than the minimum that's needed. By getting a better policy with full coverage, you'll avoid high bills after an accident. Plus, full coverage is usually required if you have a car loan or lease.
Cheap car insurance in PA for teens: Erie and USAA
Erie has the best minimum coverage car insurance rates in Pennsylvania for most young drivers.
A minimum coverage policy from Erie is 47% cheaper than the state average, at $70 per month.
Young drivers can find even cheaper quotes with USAA, at $64 per month. However, you have to be a military member, or the spouse or child of someone who's had USAA, to buy car insurance from USAA.
Best Pennsylvania car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| USAA | $64 | $264 |
| Erie | $70 | $254 |
| Travelers | $83 | $211 |
| State Farm | $108 | $359 |
| Geico | $133 | $419 |
Travelers offers the best rate for full coverage for 18-year-olds, at $210 per month. That's 42% cheaper than the Pennsylvania average for teen drivers, which is $364 per month.
Although full coverage from Erie costs more than Travelers, Erie has much better customer service reviews. Erie's quick claims process could be worth an extra $43 per month if you're ever in an accident.
Young drivers in Pennsylvania should consider full coverage insurance.
Young drivers tend to get into more accidents. So you could benefit from collision and comprehensive coverage, which help 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 auto insurance in PA 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 $117 per month, which is 44% cheaper than the state average.
Most affordable car insurance after a ticket
Company | Monthly rate |
|---|---|
| Erie | $117 |
| Travelers | $122 |
| State Farm | $134 |
| USAA | $170 |
| Allstate | $228 |
In Pennsylvania, drivers with a single speeding ticket pay 21% more than drivers with a clean driving record. That's an average increase of $36 per month for full coverage.
Cheapest car insurance in Pennsylvania after an accident: Erie
Erie has the best cheap Pennsylvania auto insurance after an accident, at $117 per month.
That's an increase of only $12 per month, and the same rate Erie charges drivers after a speeding ticket. Erie costs about half as much as the average in Pennsylvania after a crash.
Best insurance companies in PA after an accident
Company | Monthly rate |
|---|---|
| Erie | $117 |
| State Farm | $126 |
| Travelers | $137 |
| Nationwide | $186 |
| USAA | $211 |
Pennsylvania drivers can expect quotes to increase by 23%, on average, 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 nearly doubles the cost of car insurance after a single accident.
That's why it's a good idea to compare multiple quotes when shopping for car insurance, especially after a change in your driving record.
Cheap insurance in PA for teens with a ticket or accident: Erie and USAA
Erie has affordable car insurance for most young drivers after a speeding ticket or accident.
Minimum coverage from Erie is $86 per month for an 18-year-old after one speeding ticket. That's $61 per month cheaper than the Pennsylvania average of $147 per month after a ticket.
Erie is also the cheapest company after an at-fault accident. At $81 per month, minimum coverage from Erie is $67 per month less than the statewide average.
Best PA car insurance quotes for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| USAA | $71 | $90 |
| Erie | $86 | $81 |
| Travelers | $99 | $118 |
| State Farm | $118 | $108 |
| Progressive | $168 | $168 |
Young drivers in Pennsylvania can expect their rates to go up by 13% after one speeding ticket, and 14% after an accident.
Cheap car insurance in Pennsylvania after a DUI: Travelers
Travelers 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 48% cheaper than the state average.
Pennsylvania drivers should also consider Erie after a DUI. Full coverage from Erie is $27 per month more than Travelers. But Erie's excellent customer service will come in handy if you're in a crash. A responsive claims agent will help you file and resolve your claim, meaning you get back on the road sooner.
Best prices for car insurance after a DUI in Pennsylvania
Company | Monthly rate |
|---|---|
| Travelers | $145 |
| Erie | $172 |
| USAA | $204 |
| Allstate | $228 |
| Progressive | $291 |
Drivers in Pennsylvania can expect their car insurance rates to increase by 632% after their first DUI.
Cheapest insurance in PA for drivers with poor credit: Erie and USAA
Erie has the best cheap quotes for most Pennsylvania drivers with a low credit score. At $245 per month for full coverage, Erie's rate is 25% cheaper than the state average.
USAA is very cheap if you have poor credit. But most drivers can't get a policy because you're only eligible if you or a family member are in the military.
Most affordable car insurance in Pennsylvania with bad credit
Company | Monthly rate |
|---|---|
| USAA | $152 |
| Erie | $245 |
| Nationwide | $253 |
| Travelers | $278 |
| Geico | $373 |
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 file 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
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| Erie | 700 | A+ | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A |
How to pay less than $100 for car insurance in Pennsylvania
How to get Pennsylvania car insurance for less than $100
- Choose a cheap company like Travelers to lower your rates to $101 per month. That's a savings of 41% from Pennsylvania's average rates of $172 per month for full coverage.
- Get car insurance discounts to save about $15 per month or more. There are easy ways to save such as signing up early and paying on time.
- Bundle your car and home insurance to save about 15% to 24%, depending on the insurance company you choose.
- Don't increase your deductible unless you need to. Increasing your deductible could save you about $18 per month, but it's only a good option if you have plenty of savings. That's because having a high deductible means you'll have high bills after an accident.
- Improve your credit score to get about half off your rates. It takes time, but a better credit score could mean you'll get cheaper car insurance when you renew your policy in six months. Fixing errors on your credit report is one of the fastest ways to improve your score. Credit report errors are surprisingly common, affecting about one-fifth of people according to the FTC.
- Consider a usage-based insurance program. This is one of the best ways to save if you have very high rates and need to show your insurance that you're a safe driver.
Average car insurance cost in Pennsylvania by city
Philadelphia drivers pay the highest car insurance rates in Pennsylvania, at an average of $309 per month for full coverage.
Drivers in Houserville, a small town in central Pennsylvania, have the cheapest car insurance premiums. Rates there average $134 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 | $146 | -14% |
| Abbottstown | $143 | -16% |
| Abington | $200 | 18% |
| Ackermanville | $166 | -2% |
| Acme | $172 | 1% |
The cost of full coverage car insurance in Pennsylvania varies by $175 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 a crash or have their car stolen.
Cheap car insurance in PA by driver type
Travelers and Erie are the cheapest car insurance companies for most drivers in Pennsylvania.
Driver type | Cheapest company |
Monthly cost in PA
|
|---|---|---|
| Cheapest minimum coverage | Erie | $28 (48% savings) |
| Cheapest for a safe driver | Travelers | $101 (41% savings) |
| Cheapest after a ticket | Erie | $117 (43% savings) |
| Cheapest after an accident | Erie | $117 (45% savings) |
| Cheapest after a DUI | Travelers | $145 (48% savings) |
| Cheapest for poor credit | Erie | $245 (25% savings) |
| Cheapest for teens | Erie | $254 (36% savings) |
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. As a Pennsylvania driver, you also need medical benefits coverage, which pays for your own injuries.
- Bodily injury liability: $15,000 per person and $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. Minimum coverage limits probably won't be high enough to cover the costs from a major accident. You would have to pay for the remaining damage out of pocket.
What's the best car insurance coverage for Pennsylvania drivers?
Full coverage is the best option for most people because it pays for damage to your car.
Full coverage car insurance in Pennsylvania is $111 per month more expensive than minimum liability coverage. That's 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 most other situations. This includes damage caused by weather, animals, vandalism and theft.
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.
Minimum coverage isn't usually enough to pay for major accidents, which leaves you with bills to pay yourself.
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?
How much is car insurance per month in PA?
The average cost of car insurance in Pennsylvania is $54 per month for a good driver with minimum coverage. Full coverage costs an average of $172 per month.
Which car insurance is best for Pennsylvania?
Erie is the best-rated widely available car insurance in Pennsylvania. It has excellent customer service and affordable rates for most Pennsylvania drivers.
USAA gets even better reviews, but it's only available if you're affiliated with the military. Its rates are also usually higher than Erie's.
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 2% less than average. One reason car insurance is cheap is that Pennsylvania has a low percentage of uninsured motorists.
How much is car insurance in Pittsburgh?
Drivers in Pittsburgh pay an average of $177 per month for full coverage insurance. That's only 5% more expensive than the Pennsylvania average. In comparison, drivers who live in the largest city in the state, Philadelphia, pay $309 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 and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Medical coverage: $5,000
- Comprehensive and collision: $500 deductible
ValuePenguin's review 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.
