Car Insurance in Pennsylvania

  • Travelers offers the cheapest liability and full coverage auto insurance in PA
  • Compare the cheapest car insurance quotes in PA from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
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About The Zebra's recommendations

The Zebra’s product features real quotes from some of the companies we review. However, our content and reviews are unbiased and never commissioned-based.

Reference our editorial standards or learn more about how we make money.

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Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Bill Mense

Partner, United Heartland Insurance

William Mense has amassed 45 years of insurance experience in a family-owned agency begun in 1914 by his grandfather. That agency is now in its 3rd g…

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Ross Martin

Insurance Writer

Credentials
  • 5+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Car insurance quotes in Pennsylvania

The average car insurance rate in Pennsylvania is $1,135 every six months, which is 4% more expensive than than the national average rate. [1] Your auto insurance cost is influenced by age, location, driving history, credit score, etc. It also differs between insurers, which is why it's essential to get multiple quotes.

Our Pennsylvania car insurance guide reviewed average rates from carriers in the state to help you find an affordable policy. Since 42% of PA drivers feel that they're paying too much for car insurance, we're here to offer insight so you'll know what a fair rate looks like while searching for cheap car insurance.[2]

If you're ready to see how much you can save, enter your ZIP code above to get quotes from top insurance companies.

1st place medal
Cheapest full coverage in PA
2nd place medal
Best customer service in PA
3rd place medal
Cheapest liability coverage in PA
erie
Best car insurance overall in PA

Cheap full coverage in Pennsylvania

As of 2024, the average cost of car insurance in Pennsylvania is $1,135 for a six-month policy. Our research shows that Travelers offers the cheapest rates for full-coverage auto insurance, with an average monthly cost of only $68. Full coverage typically includes comprehensive, collision, and liability coverage.

Below are the average rates from top companies in Pennsylvania, including Travelers. As you look at these costs, remember that your individual rates will likely differ. Rating factors such as age, specific ZIP code, driving history, and more are considered when an insurance company evaluates your profile.

Full coverage quotes in PA

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $410 $68
Nationwide $607 $101
Erie $664 $111
State Farm $749 $125
GEICO $871 $145
USAA $1,029 $171
Progressive $1,049 $175
Allstate $1,157 $193

Source: The Zebra

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Find the best coverage and price in Pennsylvania with The Zebra.

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What are the best car insurance companies in PA?

We named Erie the best car insurance company in Pennsylvania based on consumer reviews, third-party ratings (JD Power, Trustpilot, and AM Best), and details such as discount information and coverage options. Below are the pros and cons of Erie, plus more of the best-rated, yet cheap, companies in Pennsylvania. 

erie insurance
Overall best car insurance company in PA

Erie topped our list of the best auto insurance providers in Pennsylvania. Much of this is due to its great customer service and overall satisfaction, but it also has competitive rates compared with other top companies in the area.

Pros
  • Great customer service

  • Affordable rates

  • Variety of coverage options

Cons
  • Not available in other regions

  • Some customers have had issues with the mobile app

Best car insurance in Pennsylvania — honorable mentions

While Erie may have taken the top spot on our list, there are several other quality car insurance options if you're a driver in Pennsylvania. All the companies listed below have received positive customer reviews from both J.D. Power and through our Zebra Customer Satisfaction Survey.[4] Remember that USAA is only available to military members and their immediate family. 

Best car insurance companies in Pennsylvania

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $410 $68
Nationwide $607 $101
State Farm $749 $125
USAA $1,029 $171

Source: The Zebra

How did we pick the company with the "Best Value" in Pennsylvania?

The author's recommendation for "best value" is based on:

  • The Zebra's 2024 Customer Satisfaction Survey
  • J.D. Power's 2024 Regional Customer Satisfaction Study
  • Each company's average cost of car insurance in Pennsylvania
  • Available coverage options
  • The author's 5+ years of insurance industry experience

Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commission-based, and our content is not impacted by any partnerships.

For more information, see our editorial standards page.

Zebra Tip: Look for these discount options

  • Payment methods: Advance purchase, electronic bill pay, pay-in-full
  • Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
  • Vehicle discounts: New vehicles, safety devices (consider telematics), anti-theft devices

Cheap liability insurance in Pennsylvania

The state average cost for liability-only is $301 for a six-month policy. According to our research, the cheapest company for minimum coverage is Travelers, with an average six-month rate of $163. 

To drive legally in the state of Pennsylvania, you must carry at least the minimum liability limits, which are as follows: $15000 in bodily injury per person, $30,000 in bodily injury per accident, and $5,000 in property damage per accident. PA also requires personal injury protection (PIP) at $5,000 per accident. The state additionally requires you to choose a tort option: a limited tort restricts your ability to sue another driver except for extreme circumstances, and a full tort allows a policyholder to sue for any post-accident pain and suffering (this usually costs more). About 31% of our customers opt for the state minimum in Pennsylvania.

Pennsylvania is also a no-fault state, meaning all drivers must use their own insurance to cover their own costs if an accident occurs, regardless of who is at fault. Learn more about car insurance requirements in Pennsylvania with our helpful guide.

Cheapest liability coverage in PA

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $163 $27
Erie $230 $38
GEICO $264 $44
USAA $290 $48
Progressive $296 $49
State Farm $300 $50
Nationwide $311 $52
Allstate $490 $82

Source: The Zebra

Cheapest Liability & Full Coverage Quotes in Pennsylvania

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Company Liability Coverage Full Coverage
Travelers $144 $410
Nationwide $179 $607
State Farm $180 $749
Erie $204 $664
GEICO $217 $871
Allstate $234 $1,157
USAA $263 $1,029
Progressive $309 $1,049

Source: The Zebra

Compare car insurance rates from the best companies in Pennsylvania.

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Beth Swanson
What does Pennsylvania's "no-fault" status mean for auto coverage?

Pennsylvania is one of 12 states in the U.S. that is considered "no-fault." This means that regardless of whose fault an accident is, you pay for your own vehicle's damage. These states typically have minimum coverage limits slightly different from the norm; they usually include personal injury protection (PIP) requirements, which help pay for medical costs and lost wages.

The PA minimum for medical benefits coverage is $5,000, but some drivers opt for higher limits. If you're new to PA and haven't insured a vehicle in a no-fault state before, take the time to familiarize yourself with the details and the state's specific requirements. Remember that the more coverage you have, the higher your premiums.

Beth Swanson, content specialist at The Zebra


How have car insurance costs in Pennsylvania changed?

In Pennsylvania, the average price of annual auto insurance coverage increased by $277 over the past year. A typical Pennsylvania driver pays an average of $1,894 per year.

Since 2015, car insurance rates have generally been upward, with a few fluctuations in particular years. Between 2019 and 2021, rates dropped, but 2022 saw costs skyrocket by over $500.

Car insurance costs in Pennsylvania since 2015
Year Avg. Annual Premium Yearly Change
2024 $1,894 $277
2023 $1,617 $160
2022 $1,777 $511
2021 $1,266 -$72
2020 $1,338 -$140
2019 $1,478 -$2
2018 $1,480 $88
2017 $1,392 $209
2016 $1,183 $88
2015 $1,095 $34

Find an affordable policy in Pennsylvania in minutes!

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Car insurance in popular Pennsylvania cities

Car insurance companies use many different factors to determine your rate, including where your vehicle is located. For example, the cheapest car insurance rates in Pennsylvania cities are in Erie, while the most expensive is in Philadelphia.

Check out the table below for the average car insurance costs in some of Pennsylvania's biggest cities.

Auto insurance quotes in Pennsylvania's biggest cities

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City Avg. 6 Mo. Premium Avg. Monthly Premium
Erie $946 $158
Scranton $985 $164
Allentown $997 $166
Pittsburgh $1,000 $167
Philadelphia $1,768 $295

Source: The Zebra

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Pennsylvania auto insurance quotes after an accident or ticket

When you're involved in a car accident, it can significantly impact your car insurance liability in several ways. A recent at-fault accident in Pennsylvania can raise your rate by anywhere from $200 to $1,200 annually, depending on the damage caused.

Best insurance companies in PA after an accident

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $644 $107
Erie $1,109 $185
Nationwide $1,361 $227
GEICO $1,400 $233
State Farm $1,548 $258
Allstate $1,687 $281
USAA $1,726 $288
Progressive $2,135 $356

Source: The Zebra

In addition to having a cheaper premium if you are a safe driver, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5% and 10%.

See below for average auto insurance rates after common citations in Pennsylvania.

Pennsylvania auto insurance quotes by violation

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Accident/Violation Avg. Annual Premium $ Rate Increase
None $2,271 $0
One Med/PIP claim $2,271 $0
Two Med/PIP claims $2,350 $80
Not-at-fault accident $2,422 $151
One comp claim $2,449 $178
At-fault accident - $1000-$2000 $2,507 $236
At-fault accident - less than $1000 $2,511 $240
Failure to wear a seat belt $2,552 $282
Child safety restraint $2,556 $285
Cell phone violation $2,564 $293
Following too closely $2,588 $318
Texting while driving $2,590 $319
Improper passing $2,590 $320
Illegal turn $2,590 $320
Passing school bus $2,599 $328
Driving without lights $2,609 $338
Speeding 6 - 10 MPH over limit $2,621 $350
Speeding 11 - 15 MPH over limit $2,623 $352
Driving too slowly $2,623 $353
Failure to yield $2,629 $358
Failure to stop at a red light $2,629 $358
Two comp claims $2,636 $365
Speeding 16 - 20 MPH over limit $2,648 $378
Failure to show documents $2,651 $380
Wrong way/wrong lane $2,660 $390
Speeding in school zone $2,667 $396
Driving with expired registration $2,670 $399
Speeding 21 - 25 MPH over limit $2,683 $412
In 65 MPH zone $2,742 $471
Open container $2,975 $704
Operating a vehicle without permission $3,057 $786
At-fault accident - greater than $2000 $3,481 $1,211
Racing $4,105 $1,834
Reckless driving $4,120 $1,850
Refusal to submit to a chemical test $4,156 $1,886
DUI $4,185 $1,915
Driving with a suspended license $4,197 $1,926
Leaving scene of an accident/hit and run $4,240 $1,969

Source: The Zebra

The Zebra's guide to Pennsylvania car insurance laws

If you get a ticket or have an accident, your insurance premium will likely go up, but how much it will increase depends on how serious the incident is. Since each insurance company has its own pricing rules, it's hard to say exactly how much your rate will increase. However, we can give you a general idea with our research and data.

Unfortunately, no insurance company offers cheap rates after a DUI that are as low as those without a DUI. The best way to save money after a DUI is to shop around and compare quotes from different companies.

In Pennsylvania, a DUI violation can increase your car insurance rate by almost $2,000 per year. Finding affordable auto insurance can be difficult with a recent DUI on your driving record.

Low-cost car insurance after a DUI in Pennsylvania

It’s important to carefully assess your insurance choices when comparing quotes to find low-cost auto insurance after a DUI. Car insurance premiums following a DUI can vary substantially by insurance company.

For example, the difference between the cheapest company in Pennsylvania after a DUI (Travelers) and the most expensive option after a DUI (Nationwide) is about $3,000 annually, which can be unexpected when comparing rates.

Cheapest insurance companies in Pennsylvania after a DUI

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Company Avg. Annual Premium
Travelers $1,379
Allstate $2,417
Erie $2,625
GEICO $3,302
USAA $3,315
Progressive $3,327
State Farm $3,606
Nationwide $4,386

Source: The Zebra

Pennsylvania, unlike most states, does not require an SR-22. An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company to ensure that you remain insured.

Zebra Tip: Don't forget about claims satisfaction

Ideally, you'll never need your insurance, but if you do, a stress-free experience is crucial. In our 2024 Customer Satisfaction Survey, we gauged satisfaction among those who filed claims. Erie emerged as the top choice and is worth considering if you live in Pennsylvania or the mid-Atlantic region.


Cheap auto insurance for teens and young drivers in Pennsylvania

Teens and young adult drivers in their 20s pay the highest premiums for car insurance compared to older age groups. Due to younger drivers' relative inexperience on the road compared to older drivers, teen drivers pay more than three times the national average rate because of the risks they pose. In Pennsylvania, teens pay $4,923 annually—$3,394 more than the national average and 289% more than a 30-year-old Pennsylvania driver. Finding the best coverage for a teen can be challenging, but we've done the legwork for you by researching the most affordable options in PA.

Cheapest car insurance quotes for young drivers in PA

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $1,042 $174
Erie $1,960 $327
GEICO $2,051 $342
Nationwide $2,194 $366
Allstate $2,643 $441
USAA $3,021 $503
Progressive $3,855 $643
State Farm $4,207 $701

Source: The Zebra

Top companies in Pennsylvania for teens by age
Filter by:

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
State Farm $5,734 $956
USAA $4,934 $822
Progressive $4,490 $748
Allstate $3,404 $567
GEICO $2,388 $398
Nationwide $2,270 $378
Erie $2,228 $371
Travelers $1,254 $209

Source: The Zebra

Zebra Tip: 3 ways young drivers can save on car insurance

  • Take a defensive driving course: This can qualify you for discounts as well as improve your skills on the road.
  • Choose a cheaper car: Purchasing a lower-cost vehicle with good safety ratings will likely mean lower repair costs compared to high-end vehicles.
  • Stay on a parent's policy: teens can save money and benefit from a parent's good driving record.

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Save money on your next car insurance policy!

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Pennsylvania car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Pennsylvania auto insurance.

Travelers ($68 per month), Nationwide ($101 per month) and Erie ($111 per month) offer the cheapest rates for full coverage insurance in Pennsylvania.

Pennsylvania 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.

Pennsylvania car insurance costs $1,135 for a six-month full-coverage policy (about $189 per month). For minimum coverage, the average rate is $301 for six months ($50 per month).

Erie Insurance is our overall choice for full coverage car insurance in Pennsylvania due to its competitive rates and excellent customer service rating. However, if you are looking for the cheapest coverage, Travelers tends to be the best choice.

Sources
  1. Data Methodology. The Zebra’s Dynamic Insurance Rating Tool

  2. Anonymized User Surveys. The Zebra

  3. 2024 U.S. Auto Insurance Study. J.D. Power

  4. 2024 Customer Satisfaction Survey. The Zebra

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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 editorial 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.