Based on our analysis of Pennsylvania auto insurance quotes, we identified Erie as the cheapest insurer. A minimum coverage policy from Erie costs $328 annually and $27 monthly.
Our study found that annual premiums vary significantly among insurers, so we recommend comparing rates across at least three companies. Enter your ZIP code into the box above to shop among the top providers near you, or read on to learn which insurers offer the lowest premiums in your state.
Cheapest auto insurance in Pennsylvania: Erie
Erie provides the cheapest rates in Pennsylvania for minimum liability insurance, according to our analysis. A minimum liability policy in Pennsylvania covers damages to the other driver's property or person, as well as providing a small amount of coverage for your own injuries.
Erie's rates for our sample Pennsylvania driver average at $328 and $27, which make them 44% cheaper than the state average of $587 and $49 monthly.
Find Cheap Auto Insurance Quotes in Pennsylvania
However, Pennsylvanians who have served in the armed forces or who have a military member in their family can get even cheaper rates from USAA. We found that USAA’s rates are more than $93 lower than Erie and 60% cheaper than the Pennsylvania average for minimum coverage.
Minimum liability auto insurance is the lowest level of coverage insurers can legally offer you, making it the least expensive form of insurance. However, we generally recommend getting liability limits above the state minimum. Your insurance company will only pay up to the state limits on your policy, so if you're in an at-fault accident where damages or injuries exceed those limits, you'll be required to pay out of pocket.
Minimum coverage policies mean you run the risk of financial responsibility after an at-fault accident. Full coverage auto insurance is the best option for most drivers.
Cheapest company for full coverage: Erie
Erie also provided the most affordable rates for full coverage insurance. The state average in Pennsylvania is $1,802 annually, but Erie's rates are 25% cheaper. Our analysis found that policyholders pay $1,354 annually and $113 monthly.
Full coverage auto insurance includes collision and comprehensive coverage as well as the state minimum coverages. Collision coverage pays for any damages your car sustains in an accident, regardless of who is at-fault. Comprehensive coverage pays for damages to your car in situations that are out of your control, such as a hailstorm or a fire in your garage.
ValuePenguin recommends full coverage car insurance to most drivers. It guarantees that your car is protected both on and off the road, and no matter who causes an accident. The exception to this recommendation is if you drive a car whose total worth is less than the cost of your deductible and full coverage premiums. Minimum liability coverage is usually sufficient to cover such cars.
Cheap car insurance for drivers with prior incidents
Drivers with incidents on their record pay more for insurance than drivers with a clean record, as insurers view accidents, speeding tickets and DUIs as a sign that you're a higher-risk driver. Your credit also impacts your rates, as drivers with a low credit score are also seen as higher risk.
With this in mind, we found the cheapest full coverage car insurance for drivers who have:
Find Cheap Auto Insurance Quotes in Pennsylvania
Cheapest for drivers with an accident: Erie
If you're a Pennsylvania driver who has recently gotten into an at-fault accident, we found that your rates will increase by 50%. Erie is your best bet for affordable coverage: Our review of Erie quotes in Pennsylvania showed that the company charges $1,404 a year and $117 a month. That's 47% cheaper than the average cost of coverage for Pennsylvanians with an at-fault accident on their record, which is $2,648 per year.
Shoppers should be aware that insurance companies raise rates to different degrees after an at-fault accident. Our analysis found that Erie only raises rates by 4%, from $1,354 before an accident to $1,404 after an accident. By contrast, Geico raises rates by 82%, from $2,357 to $4,300. These differences are why we strongly recommend drivers to shop around, particularly after a change in their driving record. Staying with your current insurer could cause you to miss out on significant savings.
Cheapest car insurance for people with a speeding ticket: Erie
Pennsylvania drivers who have received a citation for speeding pay 12% more on average than drivers with a clean record. The best rates for these drivers come from Erie. In fact, our sample driver was quoted identical rates after both an at-fault accident and a speeding ticket: $1,404 annually and $117 monthly. This distinguishes Erie from the other insurers in our study, all of which charged drivers more after an at-fault accident than after a speeding ticket.
Cheapest car insurance for drivers with a DUI: State Farm
DUIs raise average premiums in Pennsylvania by 35%, our analysis found. State Farm offers the most affordable coverage to drivers with a DUI on their record. Its rates average at $1,514 a year and $126 a month, making them 38% more affordable than the state average.
Cheapest car insurance for drivers with poor credit: Nationwide
Insurers charge Pennsylvanians with poor credit 59% more for full coverage auto insurance than Pennsylvanians with average credit. Nationwide had the best rates for drivers with a low credit score. At $2,007 annually and $167 monthly, its rates are 23% cheaper than the state average.
Cheapest car insurance for married drivers: Erie
Our analysis found that average full coverage auto insurance rates for married Pennsylvania drivers are $110 cheaper than for single drivers. Married drivers statistically get into fewer accidents than single drivers, making them less risky for insurers to cover. If you're a married Pennsylvania driver, check out Erie for auto insurance. Married drivers pay $1,307 annually and $109 monthly for full coverage, which is $385 less than the state average of $1,692.
Cheapest car insurance for young drivers: Erie
Full coverage auto insurance for a young driver in Pennsylvania is $4,779 annually — almost $3,000 more than what adult drivers pay.
Young drivers statistically get into far more accidents than older drivers, which leads to insurers raising rates significantly to account for the risk young drivers pose. Young Pennsylvanians looking for affordable coverage could get their best rates from Erie. A full coverage policy from Erie is 36% cheaper than the state average, costing $3,041 a year.
*USAA is excluded from rankings because it is only available to current and former military members and their families.
Erie also offers the best rates for minimum coverage, charging just $656 a year. That's less than half of the Pennsylvania state average for young drivers, which is $1,403. However, ValuePenguin recommends young drivers get full coverage. As an accident-prone demographic, young drivers will particularly benefit from the added security of collision and comprehensive insurance coverage.
Cheapest for young drivers with one accident: Erie
Young drivers already pay high premiums, but they pay even more if they have an at-fault accident on their record. Our analysis found that rates go up by 24% after a young Pennsylvanian gets in an at-fault accident. We recommend Erie to these young drivers, as its average annual premiums for full coverage are more than $2,000 cheaper than the state average.
Cheapest for young drivers with one speeding ticket: Erie
If you're a young Pennsylvania driver caught speeding, your rates could go up by 11%. Erie has the most affordable full coverage policies for these drivers; it's average annual rates are $3,503, which is 34% cheaper than the state average of $5,283.
Best auto insurance companies in Pennsylvania
Our survey of current policyholders found that USAA is the best insurer in Pennsylvania, based on satisfaction with customer service and claims processing.
If USAA isn't an option for you, ValuePenguin recommends Nationwide and State Farm as solid alternatives. Policyholders awarded these companies high marks as well.
Percent of respondents overall extremely satisfied with most recent claim
Percent of respondents who rated customer service as "excellent"
Overall rank takes both claim satisfaction and customer service rankings into account.
Nationwide and State Farm also received strong marks from J.D. Power and the National Association of Insurance Commissioners (NAIC). J.D. Power rates insurers based on customer satisfaction with claims, and Nationwide and State Farm scored above the industry average of 872.
NAIC builds indices that show the number of complaints a company receives, proportional to its size. A Complaint Index of 1.0 indicates an average number of complaints, which means that both Nationwide and State Farm received about a third fewer complaints than would be expected of an insurer of their size.
NAIC Complaint Index (lower is better)
J.D. Power claims satisfaction score (Higher is better)
AM Best Financial Strength Rating
AM Best gave all the companies in our study an A+ Financial Strength Rating. This means that AM Best is confident these insurers have a "Superior" ability to pay out claims.
Average car insurance cost 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 ranges from $1,433 to $2,797, depending on where you live in the state. Rates are usually higher in urban areas than in rural areas, as accidents and auto theft happen more frequently in densely populated cities.
Average annual cost
Percent from average
|Pine Grove Mills||$1,433||-8.1%|
|Park Forest Village||$1,452||-6.9%|
Auto insurance rate changes in Pennsylvania
In Pennsylvania, customers for auto insurance experienced a rate decline for the first time in nearly five years — auto insurers decreased rates by an average of 3.4% in 2020. State Farm led the industry with a price reduction of 12.7% followed by Erie (4.6%), Progressive (4.2%) and Travelers (3.1%).
The primary reason for this decline is due to the coronavirus pandemic, which reduced the amount of driving across the nation. With less driving, auto claims subsequently fell as well, which allowed insurers to offer cheaper rates to all drivers in Pennsylvania.
Premiums written (millions) 2019
Rate Change 2019
Rate Change 2020
Minimum requirements for auto insurance coverage in Pennsylvania
Pennsylvania law requires that drivers have both bodily injury and property damage liability coverage, along with a small amount of protection for their own personal injuries, known as medical benefits coverage. If you have auto insurance, here are the minimum coverage limits you're required to have in Pennsylvania:
These are the lowest coverage limits you can get to legally drive on Pennsylvania roads. However, we usually recommend that 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 auto insurance in Pennsylvania
- Minimum coverage: Erie
- Full coverage: Erie
- After an at-fault accident: Erie
- After a speeding ticket: Erie
- After a DUI: State Farm
- Poor credit history: Nationwide
- Very good credit history: State Farm
- Married couples: Erie
- Young drivers: Erie
- Young drivers with one accident: Erie
- Young drivers with speeding ticket: Erie
How much is car insurance in Pennsylvania?
The average monthly cost of car insurance in Pennsylvania is $49 for a minimum coverage policy and $150 per month for a full coverage policy.
Which insurer has the cheapest car insurance in Pennsylvania?
Erie Insurance offers the cheapest car insurance in Pennsylvania at $27 per month for a minimum coverage policy and $113 per month for a full coverage policy.
Who has the best-rated car insurance in Pennsylvania?
USAA and Nationwide offer the best-rated car insurance in Pennsylvania in terms of claims processing and customer service satisfaction. Our survey found that 78% of customers from these companies were extremely satisfied with their most recent claim.
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 must pay for your medical bill after an accident, regardless of who was at fault.
We collected thousands of rates from ZIP codes across Pennsylvania for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage||$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, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated 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.