Car Insurance in Pennsylvania
- Auto-Owners offers the cheapest liability coverage in PA at $13/mo.
- Auto-Owners offers the cheapest full coverage in PA at $52/mo.
Enter your ZIP code to start your search for Pennsylvania car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Pennsylvania at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Car insurance quotes in Pennsylvania
The average car insurance rate in Pennsylvania is $1,186 every six months, which is 2% in premium difference versus 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 46% 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.
Cheapest full coverage in PA
- Auto-Owners offers the cheapest full coverage in Pennsylvania at $52/mo.
Best customer service in PA
- NJM Insurance Co. scored 721 (9.9% above average) in JD Power's latest study — the highest in Pennsylvania. [3]
Cheapest liability coverage in PA
- Auto-Owners offers the cheapest liability coverage in Pennsylvania at $13/mo.
Cheap full coverage in Pennsylvania
As of 2026, the average cost of car insurance in Pennsylvania is $1,186 for a 6-month policy. Full coverage typically includes comprehensive, collision, and liability coverage.
Below are the average rates from top companies in Pennsylvania. 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.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $310 | $52 |
| Travelers | $712 | $119 |
| GEICO | $865 | $144 |
| Nationwide | $898 | $150 |
| Erie | $1,044 | $174 |
| Safe Auto | $1,099 | $183 |
| State Farm | $1,106 | $184 |
| Allstate | $1,201 | $200 |
| Progressive | $1,312 | $219 |
| USAA | $1,345 | $224 |
| Encompass | $1,572 | $262 |
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.
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, AINS, PRC, AIS at The Zebra
What are the best car insurance companies in Pennsylvania?
We named NJM Insurance Co. 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.
Add insurance companies to the tool below to see how each stacks up against our pick.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Cheap liability insurance in Pennsylvania
The average cost for minimum coverage insurance in Pennsylvania is $315 for a 6-month policy. For our user profile, Auto-Owners offers the most affordable minimum coverage options in the state.
Pennsylvania requires drivers to carry 15/30/5 liability limits, at least $5,000 in first-party medical benefits, and to choose either full or limited tort coverage. 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.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $80 | $13 |
| GEICO | $247 | $41 |
| Travelers | $249 | $41 |
| Erie | $270 | $45 |
| Safe Auto | $291 | $49 |
| USAA | $299 | $50 |
| State Farm | $303 | $51 |
| Progressive | $327 | $54 |
| Nationwide | $332 | $55 |
| Encompass | $359 | $60 |
| Allstate | $500 | $83 |
Source: The Zebra
If you opt for better protection, you can choose a policy with comprehensive and collision. But better coverage comes with a higher price: in Pennsylvania, a full coverage policy with a $500 deductible costs $1,186, significantly more than minimum coverage insurance.
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Westfield | $158 | $973 |
| USAA | $299 | $1,345 |
| Travelers | $249 | $712 |
| State Farm | $303 | $1,106 |
| Sentry | $444 | $1,966 |
| Selective Insurance | $308 | $1,888 |
| Progressive | $327 | $1,312 |
| Nationwide | $332 | $898 |
| MetLife | $1,080 | $2,490 |
| GEICO | $247 | $865 |
| Erie | $270 | $1,044 |
| Encompass | $359 | $1,572 |
| Chubb | $279 | $1,168 |
| Auto-Owners | $80 | $310 |
| American National | $205 | $734 |
| Allstate | $500 | $1,201 |
Source: The Zebra
Local insights
Drivers near you in Pennsylvania weigh in
"Probably useless information for you but I've been with GEICO for almost 20 years. I only pay about $25/mo more now than when I started with them for the same limits/deductible/coverage."
-Reddit user on r/Pennsylvania
"My rate actually decreased for this next period. I've been with Progressive for 10 years now, they quoted better than everyone else at the time and no-one's ever come close enough to match it since."
-Reddit user on r/Pennsylvania
Compare car insurance rates from the best companies in Pennsylvania.
Car insurance in popular Pennsylvania cities
Car insurance companies use many different factors to determine your rate, including where your vehicle is located. Check out the table below for the average car insurance costs in some of Pennsylvania's biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Real support. Real answers. Right away.
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Pennsylvania auto insurance quotes after an accident or ticket
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.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Pennsylvania car insurance laws for high-risk drivers
In Pennsylvania, drivers with serious violations like a DUI or reckless driving face more than just legal penalties — their insurance rates and coverage options are often heavily affected. Insurers typically view these drivers as higher risk, which can result in steep premium increases, non-renewals, or fewer available coverage options.
Learn more about car insurance requirements in Pennsylvania with our helpful guide.
Pennsylvania DUI laws
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.
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.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $578 | $96 |
| Travelers | $769 | $128 |
| Allstate | $1,180 | $197 |
| Progressive | $1,487 | $248 |
| GEICO | $1,577 | $263 |
| Safe Auto | $1,607 | $268 |
| Erie | $1,693 | $282 |
| State Farm | $1,748 | $291 |
| USAA | $1,918 | $320 |
| Nationwide | $2,821 | $470 |
| Encompass | $6,289 | $1,048 |
Source: The Zebra
Pennsylvania SR-22 insurance
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.
Find an affordable policy in Pennsylvania in minutes!
How have car insurance costs in Pennsylvania changed?
In Pennsylvania, the average price of annual auto insurance coverage increased over the past 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 skyrocketed.
| Year | Avg. Annual Premium — Pennsylvania |
|---|---|
| 2026 | $2,372 |
| 2025 | $2,221 |
| 2024 | $1,894 |
| 2023 | $1,617 |
| 2022 | $1,777 |
| 2021 | $1,266 |
| 2020 | $1,338 |
| 2019 | $1,478 |
| 2018 | $1,480 |
| 2017 | $1,392 |
| 2016 | $1,183 |
| 2015 | $1,095 |
Save money on your next car insurance policy!
Pennsylvania car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Pennsylvania auto insurance.
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
RECENT QUESTIONS ABOUT CAR INSURANCE IN PA
Is a hydroplaning accident my daughter's fault?
If I hit someone and they don't have car insurance is it still my fault?
What coverage do I need if a deer runs into my car?
Why does my dealership require my lienholder/bank be listed on my insurance to take my car home?
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.
