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)
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.
- Travelers Insurance offers the cheapest full coverage car insurance in Pennsylvania, with an average monthly rate of $68.
- See the other companies offering cheap full coverage insurance options in Pennsylvania ↓
- Erie has outranked other Mid-Atlantic companies for its great customer service, according to J.D. Power's 2024 auto study.[3]Â
- Read about the rest of the top and best companies in Pennsylvania ↓
- Travelers comes in first for cheap liability coverage in Pennsylvania, with an average six-month rate of $163 ($27 per month).
- Read about the rest of the top and best companies in Pennsylvania ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in PA to name Erie as the best overall company for drivers in Pennsylvania.Â
- Read more about why we've ranked Erie as a great fit for many PA residents ↓
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.
Updating data...
| 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.
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.Â
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.
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Great customer service
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Affordable rates
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Variety of coverage options
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Not available in other regions
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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]Â Remember that USAA is only available to military members and their immediate family.Â
Updating data...
| 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.Â
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.
Updating data...
| 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
Updating data...
| 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.
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.
| 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!
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.
Updating data...
| 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
Find your best value insurance match with The Zebra.
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.
Updating data...
| 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.
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.
Updating data...
| 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.
Updating data...
| 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
Updating data...
| 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!
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
2024 U.S. Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS
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Learn more about car insurance in Pennsylvania:
- Car Insurance with a DUI in Pennsylvania
- Average Cost of Car Insurance in Pennsylvania
- Allentown, PA Car Insurance
- Temporary Car Insurance in Pennsylvania
- Full Tort vs. Limited Tort Car Insurance
- Car Insurance in Philadelphia, PA
- Car Insurance in Pittsburgh, PA
- Pennsylvania Car Insurance Laws
- Car Insurance in Erie, PA
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.