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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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?
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 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$16410.48%
No Accidents$75835.14%
Good Credit$1,19746.12%

 

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.

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

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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)

AllstateAbove averageAverageSuperior4.3 / 5
Auto-OwnersExcellentAbove averageSuperiorN/A
ChubbN/AN/ASuperior4.2 / 5
Donegal MutualN/AN/AExcellentN/A
ErieAbove averageAbove averageSuperior4.5 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 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.

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.

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
2Allentown$1,561
3Pittsburgh$1,486
4Erie$1,450
5Scranton$1,445
6Bethel Park$1,358
7Harrisburg$1,353
8York$1,329
9Lancaster$1,321
10Lebanon$1,268

 

Recent Questions:

Can I puy a policy today and pay the down payment next week?

I do not know any insurance companies that will issue a policy without a down payment. From the perspective of an insurance company, a driver who does not put down a down payment is too much of a liability.
Dec 1, 2018 Scranton, PA

What are the best car insurance companies for drivers over age 65?

Drivers over the age of 60 are often seen as responsible drivers by insurance companies. Because of this, they often pay $683 less per year than the average driver for car insurance.
Nov 10, 2020 Philadelphia, PA

If I hit someone and they don't have car insurance is it still my fault?

If you're determined at-fault in the accident, you are responsible for the other driver's damages regardless of whether or not they're insured. You might be thinking of no-fault insurance, which Pennsylvania has voluntary participation in.
Jun 17, 2019 Lancaster, PA

If the driver is not licensed, does it affect their ability to file a claim?

Most insurance companies do have access to a driver's background when they quote and insure them. Not having a driver's license is usually an issue for insurers but it's not impossible to find insurance for an unlicensed driver, and that seems to be the case in this situation.
Jan 22, 2020 Bradford, PA

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 has been quoted by CNET, iDriveSafely.com and Kin Insurance, and his work has been cited by Car and Driver.