Cheap Pennsylvania Car Insurance

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

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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By Ross Martin
Updated December 7, 2021
Edited By Kristine Lee

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 with the best affordable insurance, then you take the wheel.

 

Affordable insurance companies in Pennsylvania

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

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

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Cheap auto 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 $164 10.48%
No Accidents $758 35.14%
Good Credit $1,197 46.12%

 

Cheap auto 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.

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

 

Cheap auto insurance for bad drivers 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 Factor Annual Rate % Increase
At-Fault Accident $2,157 35.14%
DUI $2,515 44.37%
Speeding Violation $1,563 10.48%
Bad Credit $2,596 46.12%

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Top rated 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.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)
Allstate Average Average Superior 4.3 / 5
Auto-Owners N/A Above average Superior N/A
Chubb N/A N/A Superior 4.2 / 5
Donegal Mutual N/A N/A Excellent N/A
Erie Excellent Above average Superior 4.5 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5

Pennsylvania auto insurance laws

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

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.

Learn more about auto insurance laws in Pennsylvania. 

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How tickets change 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,517 81% $1,127
Refused Breathalyzer/Chemical Test $2,079 50% $689
DUI $2,079 50% $689
Racing $2,517 81% $1,127
Reckless Driving $2,464 77% $1,075
Driving with a Suspended License $2,517 81% $1,127
At-Fault Accident $1,671 20% $282
Driving with an Open Container $1,821 31% $431
Operating a Vehicle Without Permission $2,120 53% $730
Passing a School Bus $1,569 13% $179
Improper Passing $1,569 13% $179
Following Too Closely $1,569 13% $179
Speeding $1,568 13% $178
Failure to Stop at a Red Light $1,569 13% $179
Illegal Turn $1,569 13% $179
Driving Wrong Way/Wrong Lane $1,569 13% $179
Failure to Yield $1,569 13% $179
Speeding in a School Zone $1,568 13% $178
Driving Too Slowly $1,568 13% $178
Distracted Driving $1,569 13% $179
Driving with Expired Registration $1,677 21% $287
Failure to Show Documents $1,411 2% $21
Not-at-Fault Accident $1,653 19% $263
Failure to Use Child Safety Restraint $1,406 1% $16
Failure to Wear a Seat Belt $1,406 1% $16
Driving Without Lights $1,394 0% $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.

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.

Rank City Avg. Annual Premium
1 Philadelphia $2,647
2 Allentown $1,561
3 Pittsburgh $1,486
4 Erie $1,450
5 Scranton $1,445
6 Bethel Park $1,358
7 Harrisburg $1,353
8 York $1,329
9 Lancaster $1,321
10 Lebanon $1,268

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No, because there was still a claim filed with the insurance company, they just didn't pay out for the claim. They had to pay for the claims adjuster to evaluate the damage.
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Do I need insurance to transport a used car to the shop?

You do not need to insure the vehicle while it's in transit — especially since it's not yet registered. You'll need insurance once the vehicle is repaired and ready to be driven.
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Why does my dealership require my lienholder/bank be listed on my insurance to take my car home?

When you finance a vehicle it is owned by the bank or lender until you have paid the full balance of the loan. The bank or lender requires that they be listed on your insurance policy before you take possession of the vehicle so if the vehicle happens to be totaled as soon as you drive off the lot, or at any point in time during your loan period, your insurance provider knows to pay them first to cover your balance.
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Do I have to tell my insurance agent about a claim?

Sounds like you've taken all of the proper steps in filing a claim. Your agent is correct, the other insurance company will handle the claim since their customer is at fault.
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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple Dollar, The Balance, Car and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance. 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.