Cheap Pennsylvania Car Insurance

Find affordable insurance that works for you in Pennsylvania. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Pennsylvania

Across the Keystone State, there are 253,838 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.


 

Affordable Insurance Premiums in Pennsylvania

What's the cheapest car insurance in Pennsylvania?
RankCompany NameAvg. Annual Premium
1Travelers$795
2Erie$970
3Auto-Owners$983
4State Farm$1,173
5Allied$1,336
6Nationwide$1,336
7Donegal Mutual$1,445
8Progressive$1,914
9Chubb$1,933
10Allstate$3,499

See quotes from insurance companies that offer coverage in Pennsylvania by entering your ZIP code below.

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Cheap car insurance for good drivers in Pennsylvania

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Unfortunately, Pennsylvania drivers without a recent traffic violation typically save just 10% on their car insurance premiums — well below the US average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%. Request auto insurance quotes from a diverse collection of companies every few months to find the best rates.

Rating Factor$ Savings% Savings
No Traffic Tickets$16410.48%
No Accidents$75835.14%
Good Credit$1,19746.12%

Cheap insurance for young drivers in Pennsylvania

Young drivers — aged between 16 and 25 — pay very expensive car insurance rates, with those between the ages of 16 and 19 paying the priciest premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Pennsylvania, teen drivers pay $4,834 per year, which aligns with the national teen driver insurance premium average of approximately $4,900.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$6,040$4,769
17$5,757$4,316
18$5,436$3,808
19$5,436$3,115

Cheap car insurance for bad drivers in Pennsylvania

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. On the other hand, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 44% after a DUI, 35% after an at-fault car accident, and 10% after a speeding ticket in Pennsylvania. The post-citation penalties assessed by car insurance companies after DUI violations and at-fault accidents in Pennsylvania align with nationwide averages, but drivers receive lower-than-average rate hikes after speeding tickets. If you have a clean driving record, be sure to check for good-driving discounts from your insurance company.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,15735.14%
DUI$2,51544.37%
Speeding Violation$1,56310.48%
Bad Credit$2,59646.12%

Best Car Insurance Companies in Pennsylvania

Each car insurer emphasizes its low rates. But just like with any product, the cheapest auto insurance isn't always the best choice. Considering the stakes, it's worth doing your homework to obtain the insurance policy that covers your car completely after an incident. Be on the lookout for a great value, instead of settling for the cheapest car insurance you find.

Compare top car insurance companies' fiscal stability and claims satisfaction ratings to better understand the quality of service they will provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and ranging from "Superior" to "Poor" — measures an insurer's financial stability and ability to satisfy its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (AM Best)
Allstate3Superior
Amica4Superior
Auto-Owners5Superior
Donegal MutualNot RatedExcellent
Erie5Superior
GEICO3Superior
Harleysville3Superior
Liberty Mutual3Excellent
MetLife3Superior
Mutual Benefit GroupNot RatedExcellent
Nationwide4Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What auto insurance coverage do you need in Pennsylvania?

The legal liability insurance minimum in Pennsylvania is $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage coverage per accident.

For the minimum required coverage in Pennsylvania, prepare to pay an average of $630 each year. This average cost is cheaper than the national average by 4%. If you opt for better coverage, you can select an insurance policy with comprehensive and collision coverage, which will protect against damages caused by car collisions, auto theft, or weather incidents. Better insurance comes at a cost: in Pennsylvania, a comprehensive policy with a $1,000 deductible costs $1,247, 98% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 127% more than you would for a basic liability policy.

Take a look at average premiums for basic and comprehensive coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Pennsylvania$629.91$1,246.68$1,429.66
National Average$657.66$1,241.26$1,397.94

Pennsylvania Auto Insurance Laws

State minimum insurance requirements in Pennsylvania

In Pennsylvania, state minimum insurance requirements are as follows:

Liability insurance
  • Bodily injury: $15,000 per person
  • Bodily injury: $30,000 per accident
  • Property damage :$5,000 per accident
First Party Medical Benefit
  • $5,000 per person
Tort Option
  • Full or Limited
Optional insurance coverage in Pennsylvania (may vary by carrier):
  • Accidental Death Benefit
  • Extraordinary Medical Benefit
  • Funeral Expense Benefit
  • Income Loss Benefit
  • Combined First Party Benefit
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Learn more about auto insurance laws in Pennsylvania

Driving Laws in Pennsylvania

Pennsylvania texting and driving laws

  1. Ban on text messaging for all drivers

Pennsylvania DUI laws

The lookback for DUI offenses in Pennsylvania is 10 years. Multiple offenses within this timeframe will result in enhanced penalties.

First-time DUI offenses are ungraded misdemeanors in Pennsylvania and lead to:

  • $300 in fines
  • Up to six months probation
  • Required alcohol highway safety school
  • Required treatment

Ticket Impact on Auto Insurance Rates in Pennsylvania

If you receive a ticket or citation, your car insurance premiums may get more expensive. By how much depends on the violation, your car insurance company's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of average auto insurance rates in Pennsylvania after some common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,51781%$1,127
Refused Breathalyzer/Chemical Test$2,07950%$689
DUI$2,07950%$689
Racing$2,51781%$1,127
Reckless Driving$2,46477%$1,075
Driving with a Suspended License$2,51781%$1,127
At-Fault Accident$1,67120%$282
Driving with an Open Container$1,82131%$431
Operating a Vehicle Without Permission$2,12053%$730
Passing a School Bus$1,56913%$179
Improper Passing$1,56913%$179
Following Too Closely$1,56913%$179
Speeding$1,56813%$178
Failure to Stop at a Red Light$1,56913%$179
Illegal Turn$1,56913%$179
Driving Wrong Way/Wrong Lane$1,56913%$179
Failure to Yield$1,56913%$179
Speeding in a School Zone$1,56813%$178
Driving Too Slowly$1,56813%$178
Distracted Driving$1,56913%$179
Driving with Expired Registration$1,67721%$287
Failure to Show Documents$1,4112%$21
Not-at-Fault Accident$1,65319%$263
Failure to Use Child Safety Restraint$1,4061%$16
Failure to Wear a Seat Belt$1,4061%$16
Driving Without Lights$1,3940%$4

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Pennsylvania Car Insurance FAQs

Who has the cheapest car insurance in Pennsylvania?

Erie ($397 per six-month policy), Travelers ($485), and Auto-Owners ($491) offer the cheapest rates for full coverage insurance in Pennsylvania.

What is the minimum car insurance in PA?

Minimum coverage in Pennsylvania is a bit more expensive than it is in other states. Drivers are required to carry bodily and property limits at $15K/$30K/$5K, at least $5,000 of first-party medical benefit, and carry full or limited tort.

How much is car insurance in PA?

On average, Pennsylvania car insurance costs $310 for a six-month liability-only policy or $714 for a full coverage policy.

Is Pennsylvania a no-fault car insurance state?

Yes. Pennsylvania requires all drivers to carry first-party medical benefits, providing medical coverage for you and your passengers, regardless of fault. Pennsylvania also has optional Tort coverage. This coverage determines your right to sue another driver for pain and suffering. The options for this coverage are limited or full. If you have limited tort coverage, you have minimal options for legal recourse after an incident.

Is car insurance required in Pennsylvania?

Yes. Car insurance is required by law in the state of Pennsylvania. 

How long is the car insurance lookback period in Pennsylvania?

It depends on the violation. For a DUI, Pennsylvania's lookback period is 10 years. For other violations and citations, such as at-fault accidents, it is three to five years.

How much does car insurance cost in Pennsylvania cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Lebanon, Pennsylvania, and the most expensive in Philadelphia, Pennsylvania.

RankCityAvg. Annual Premium
1Philadelphia$2,647
2Chester$2,029
3Drexel Hill$1,878
4Norristown$1,836
5Levittown$1,808
6Allentown$1,561
7Reading$1,532
8Pittsburgh$1,486
9Hazleton$1,483
10Plum$1,470
11Easton$1,451
12Erie$1,450
13Wilkes-Barre$1,445
14Scranton$1,445
15Bethlehem$1,434
16New Castle$1,406
17Altoona$1,394
18Bethel Park$1,358
19Harrisburg$1,353
20York$1,329
21Lancaster$1,321
22Lebanon$1,268

Recent Pennsylvania Car Insurance Questions and Answers

What happens if you hit a rental car?

The claims process after hitting a rental vehicle would be the same as hitting a vehicle owned by another person. You should contact your insurance provider and notify them of the incident.

Can the bank force me to get coverage on my vehicle?

If you have a loan from that particular bank and in the loan contract it states you must have auto insurance, they can force coverage on you. Because they have an invested interest in the vehicle through the loan, they will require it to be insured.

Should I choose a company that is cheaper for my auto insurance or my home?

There's a couple of things to think about. While price is important, I would make sure you have equal coverage for your home and your auto from both Travelers and State Farm.

Can my insurance company discover out of state ticket

In short, it can depend but yes they can find out. If North Carolina's DMV reports the accident to Pennsylvania your insurance company can find out.


Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.