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Here's what you need to know when driving in Pennsylvania

The average car insurance rate in Pennsylvania is $1,266 per year, which is $263 cheaper than the national average rate. While what you pay for auto insurance depends on many personal factors like your age, location, driving history, credit and more, it can also vary from insurer to insurer.

In our guide to Pennsylvania car insurance, we analyzed average car insurance rates across the state to help you find a budget-friendly policy. Continue reading to find out how much auto insurance costs in Pennsylvania, so you know what a fair rate looks like in your search for cheap car insurance.

If you're ready to see how much you can save by shopping around, submit your ZIP code above to get personalized quotes from top insurance companies.

The best car insurance companies in Pennsylvania

Here are the top three car insurance companies in Pennsylvania, according to third-party ratings from J.D. Power.

1st place medal
USAA

USAA received a score of 896 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the mid-Atlantic region and also won top marks in The Zebra's Customer Satisfaction Survey.

2nd place medal
NJM Insurance

A regional insurance company with limited geographic availability, NJM Insurance was the runner-up, scoring 867 in J.D. Power's 2021 study.

3rd place medal
Erie

Erie came in third place with a score of 856 in J.D. Power's 2021 customer satisfaction survey and has a generally positive reputation.

Key takeaways
  • Pennsylvanians pay about 17% less for car insurance on average
  • The cheapest major car insurance company in Pennsylvania is Travelers

The cheapest car insurance companies in Pennsylvania

These companies offer the cheapest rates in the following scenarios.

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Cheapest for full coverage — Travelers

The cheapest rates in Pennsylvania are from Travelers at $982 annually or $82 per month.

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Cheapest after DUI or at-fault accident — Travelers

If you have a recent DUI or at-fault accident, Travelers could be most affordable.

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Cheapest for bad credit — Nationwide

Nationwide is the cheapest insurance company in Pennsylvania if you have bad credit.

Company Avg. Annual Premium
Travelers $982
Nationwide $1,081
State Farm $1,292
Erie $1,318
GEICO $1,545
Allstate $1,570
USAA $1,946
Progressive $2,025
Updated: 09/22/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Pennsylvania auto insurance laws

Car insurance is required in almost every state, including Pennsylvania. In order to be road-legal in Pennsylvania, you must carry a certain amount of insurance coverage, along with proof of insurance. Pennsylvania is also a no-fault state; this means that all drivers must use their own insurance to cover their own costs if an accident occurs, regardless of who is at fault.

Choosing the minimum coverage level is cheaper than having full coverage. In Pennsylvania, you can expect to pay $398 every year for the state minimum level of coverage. This rate is less expensive than the nationwide average by 74%.

In Pennsylvania, you can expect to pay $398 every year for the state minimum level of coverage.

State minimum coverage

In order to drive legally in the state of Pennsylvania, you must carry at least the minimum liability limits listed below:

  • Bodily injury: $15,000 per person
  • Bodily injury: $30,000 per accident
  • Property damage: $5,000 per accident

In addition, you'll also need a first-party benefit (FPB, also known as PIP):

  • FPB: $5,000 per accident

You also have to select a tort option:

  • Limited tort: This restricts your right to sue another driver for non-monetary damage except for extreme circumstances concerning death or permanent disfigurement.
  • Full tort: This allows the policyholder to sue for any post-accident-related pain and suffering. This usually comes at a higher premium.

Optional coverage in Pennsylvania (varies by carrier):

  • Comprehensive
  • Collision
  • Gap coverage
  • Roadside assistance
  • Uninsured motorist coverage
  • Income loss benefit
car with blue windshield

If you want more protection beyond the minimum level, you can choose a full coverage policy with comprehensive and collision. This will protect you against the financial ramifications of car accidents, theft, vandalism or weather incidents.

Full coverage, however, comes at a cost. A comprehensive insurance policy with a $1,000 deductible costs $1,093 in Pennsylvania — 175% more than liability-only insurance. If you choose a full coverage policy with a $500 deductible, expect to pay 231% more than you would for basic coverage.

A comprehensive insurance policy with a $1,000 deductible costs $1,093 in Pennsylvania — 175% more than liability-only insurance.

The Zebra's guide to Pennsylvania car insurance laws


Learn more about car insurance requirements in the state of Pennsylvania with our helpful guide.


Compare car insurance rates from the best companies in Pennsylvania.

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Pennsylvania car insurance premiums by rating factor

Personal factors like your age, driving history, credit score and more determine your rate for auto insurance. Every insurer weigh these rating factors differently, making it all the more important to compare quotes from a multitude of options.

See average rates by different rating factors below to get a better understanding of how much you can expect to pay in Pennsylvania.

Cheap auto insurance in Pennsylvania for minimum coverage

Getting the state minimum level of car insurance is a great way to make your premium much cheaper, but it can leave you at risk. In Pennsylvania, the average cost for minimum coverage is $33 per month, or $398 yearly — a savings of $918 compared to full coverage.

Company Avg. Annual Premium
Travelers $287
Nationwide $357
State Farm $360
Erie $409
GEICO $435
Allstate $467
USAA $525
Progressive $618
Updated: 09/22/22.

Cheap auto insurance in Pennsylvania with bad credit

In almost every state, your credit score is a rating factor. This is because insurance companies use statistics to analyze the chances of you making a claim based on your rating factors. Past data shows a correlation between drivers with poor credit and claims. To an insurance company, this makes them riskier to insure, which is why drivers with poor credit are charged much higher rates.

In Pennsylvania, people with poor credit generally pay an additional $1,308 yearly compared to drivers with excellent credit. Consult sample rates from different insurance companies below and use this information as a jumping-off point in your search for affordable insurance with bad credit.

Company Avg. Annual Premium
Nationwide $1,463
USAA $1,946
Travelers $2,635
Allstate $2,702
GEICO $2,787
State Farm $2,840
Erie $3,467
Progressive $3,494
Updated: 09/22/22.

Cheap auto insurance in Pennsylvania with an at-fault accident

It's no secret that having citations and accidents on your driving record will make your car insurance more expensive. Like bad credit, a checkered driving history is another risk indicator. In Pennsylvania, a recent at-fault accident can raise your rate by as much as $584 yearly.

Safe driver discounts

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

Company Avg. Annual Premium
Travelers $1,350
State Farm $1,638
Erie $1,704
Nationwide $1,802
Allstate $2,030
GEICO $2,446
USAA $2,713
Progressive $3,252
Updated: 09/22/22.

Cheap auto insurance for 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 per year, which is $3,394 more than the national average and 289% more than a 30-year-old Pennsylvania driver.

Company Avg. Annual Premium
Travelers $2,195
Erie $3,400
Nationwide $3,600
GEICO $3,828
State Farm $4,462
USAA $4,791
Progressive $5,965
Allstate $13,107
Updated: 09/22/22.

Pennsylvania auto insurance rate by violation

Receiving a ticket or getting in an accident will make your premium go up — sometimes to unaffordable levels depending on the seriousness of the violation. Because every insurer's pricing standards are different, it's difficult to say how much exactly you can expect your rate to increase. Using data, however, we can provide general estimates.

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

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,777 0% $0
One Med/PIP claim $1,797 1% $20
Two Med/PIP claims $1,864 5% $87
One comp claim $1,896 7% $119
At-fault accident - less than $1000 $1,951 10% $174
Not-at-fault accident $1,952 10% $174
At-fault accident - $1000-$2000 $1,964 10% $187
Failure to wear a seat belt $1,969 11% $192
Child safety restraint $1,970 11% $192
Cell phone violation $1,992 12% $214
Driving with expired registration $1,995 12% $217
Failure to show documents $1,997 12% $220
Driving without lights $2,000 13% $223
Wrong way/wrong lane $2,015 13% $237
Texting while driving $2,018 14% $240
Following too closely $2,018 14% $241
Improper passing $2,021 14% $243
Illegal turn $2,021 14% $243
Passing school bus $2,026 14% $249
Driving too slowly $2,027 14% $250
Speeding 6 - 10 MPH over limit $2,027 14% $250
Failure to yield $2,029 14% $251
Failure to stop at a red light $2,029 14% $251
Speeding 11 - 15 MPH over limit $2,030 14% $252
Speeding 16 - 20 MPH over limit $2,038 15% $260
Speeding in school zone $2,046 15% $269
Two comp claims $2,048 15% $271
Speeding 21 - 25 MPH over limit $2,080 17% $302
In 65 MPH zone $2,210 24% $433
Open container $2,340 32% $563
Operating a vehicle without permission $2,402 35% $624
At-fault accident - greater than $2000 $2,627 48% $849
Reckless driving $2,966 67% $1,188
Driving with a suspended license $3,058 72% $1,280
Racing $3,068 73% $1,290
Refusal to submit to a chemical test $3,201 80% $1,423
DUI $3,252 83% $1,474
Leaving scene of an accident/hit and run $3,313 86% $1,536
Updated: 09/22/22.

Pennsylvania DUI laws

A DUI violation can increase your annual car insurance rate by 83% or over $1,400 in Pennsylvania. It can be a struggle to find affordable auto insurance with a recent DUI on your driving record.

 
Low-cost car insurance after a DUI in Pennsylvania

To find low-cost auto insurance after a DUI, it’s important to assess each of your insurance choices carefully when comparing quotes. Car insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Pennsylvania, Travelers, advertises annual rates 56% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Pennsylvania is Allstate, while the most expensive is GEICO, with prices 2% above average.

Company Avg. Annual Premium
Travelers $1,419
Allstate $1,570
State Farm $1,917
Erie $2,020
Progressive $2,393
USAA $2,596
Nationwide $2,784
GEICO $3,306
Updated: 09/22/22.

There is no company in particular that offers an inexpensive rate after a DUI that's comparable to a rate without a DUI. The recommended way to save after a DUI citation is to shop around with as many companies as possible.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

 

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.

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Find an affordable policy in Pennsylvania in minutes!

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Rates by city

Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. The cheapest car insurance is found in Houserville, Pennsylvania, and the most expensive in Philadelphia.

Have a look at the table below to see average car insurance costs in some of Pennsylvania's biggest cities.

City Avg. Annual Premium
Erie $1,790
Scranton $1,864
Pittsburgh $1,867
Allentown $1,874
Philadelphia $3,315
Updated: 09/22/22.

Car insurance price trends in Pennsylvania

In Pennsylvania, average annual auto insurance costs decreased by $72 in the past year. A typical Pennsylvania driver pays an average of $1,266 per year.

In the past three years, Pennsylvania's pricing average rate has steadily decreased while prior to 2019, it had increased year after year. The steepest decrease occurred from 2012 to 2013, while the highest uptick took place from 2016 to 2017.

PENNSYLVANIA CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Pennsylvania Yearly Change — Pennsylvania Avg. Annual Premium — US Yearly Change — US
2021 $1,266 -$72 $1,529 $46
2020 $1,338 -$140 $1,483 -$61
2019 $1,478 -$2 $1,544 $23
2018 $1,480 $88 $1,521 $84
2017 $1,392 $209 $1,437 $69
2016 $1,183 $88 $1,368 $88
2015 $1,095 $34 $1,280 $51
2014 $1,061 $47 $1,229 $34
2013 $1,014 -$208 $1,195 -$80
2012 $1,222 $200 $1,276 $82

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.


Pennsylvania car insurance FAQs

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

Who has the cheapest car insurance in Pennsylvania? Chevron down icon
Travelers ($982 per year), Nationwide ($1,081) and State Farm ($1,292) offer the cheapest rates for full coverage insurance in Pennsylvania.
What is the minimum car insurance in PA? Chevron down icon
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.
How much is car insurance in PA? Chevron down icon
On average, Pennsylvania car insurance costs $398 per year for a liability-only policy or $1,266 for a full coverage policy.

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RECENT QUESTIONS

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
Oct 2, 2017 State College, PA

My husband can no longer drive, does he have to be on our policy?

In Pennsylvania, like most states, require all members of the household above driving age to be added to policy. However, since he is no longer driving, your insurance company may allow you to exclude him from your policy.
Dec 21, 2017 New Castle, Pennsylvania

Can I drive a truck I'm buying across state lines, without plates, to get it home?

I would call up your local DMV or appropriate state department and ask them what to do. Most states allow you to pay a small fee and show an out of state status and they will issue you a temporary paper plate for the vehicle to be relocated.
Aug 29, 2019 Pennington, NJ

How do I get my insurance company to stop charging me for a ticket that was expunged from my record?

If you are being charged for a ticket that has already been removed from your record, you may be required to show proof to your insurance company that the ticket has been dropped. If the ticket has been dropped and your insurance company will not lower your rate, you should consider shopping with a new insurance company.
Feb 27, 2017 Kokomo, IN

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.