Cheap Car Insurance
It's expensive to get car insurance in Pennsylvania!
Dang! Pennsylvania is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Pennsylvania might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Pennsylvania?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | General Casualty | $733 |
| 2 | Travelers | $795 |
| 3 | USAA | $801 |
| 4 | Erie | $808 |
| 5 | Penn National | $824 |
| 6 | Auto-Owners | $983 |
| 7 | Amica | $1,002 |
| 8 | Atlantic States | $1,026 |
| 9 | Donegal Mutual | $1,080 |
| 10 | GEICO | $1,134 |
| 11 | Allied | $1,167 |
| 12 | State Farm | $1,186 |
| 13 | Cal Casualty | $1,210 |
| 14 | State Auto | $1,254 |
| 15 | Encompass | $1,371 |
| 16 | Harleysville | $1,424 |
| 17 | Mutual Benefit Group | $1,425 |
| 18 | Progressive | $1,443 |
| 19 | Nationwide | $1,462 |
| 20 | Chubb | $1,567 |
| 21 | MetLife | $1,708 |
| 22 | Mercury | $1,770 |
| 23 | National General | $1,916 |
| 24 | Motorists Mutual | $2,110 |
| 25 | Liberty Mutual | $2,432 |
| 26 | American Independent | $2,515 |
| 27 | Safe Auto | $2,531 |
| 28 | Allstate | $3,083 |
| 29 | Sentry | $3,322 |
| 30 | Safeco | $5,639 |
Cheap 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%.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $164 | 10.48% |
| No Accidents | $758 | 35.14% |
| Good Credit | $1,197 | 46.12% |
Cheap Insurance for Young Drivers in Pennsylvania
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive 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.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $6,040 | $4,769 |
| 17 | $5,757 | $4,316 |
| 18 | $5,436 | $3,808 |
| 19 | $5,436 | $3,115 |
Cheap Car Insurance for Bad Drivers in 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. Conversely, 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 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 insurer.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $2,157 | 35.14% |
| DUI | $2,515 | 44.37% |
| Speeding Violation | $1,563 | 10.48% |
| Bad Credit | $2,596 | 46.12% |
Car Insurance Laws
State minimum insurance requirements in Pennsylvania
In Pennsylvania, the state minimum coverage requirements are as follows:
Liability
- 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 coverage in Pennsylvania (varies 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
Liability coverage is legally required in Pennsylvania and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Pennsylvania, the minimum is listed as 15/30/5 and explained below:
$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
First Party Benefit provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. FPB will cover medical expenses such as hospital bills, medical, dental, and nursing services resulting from an accident. In Pennsylvania, minimum FPB coverage of $5,000 per person is required on your policy.
The Tort Option in Pennsylvania will determine the policyholder’s right to sue another driver for pain and suffering. Selecting a limited Tort option restricts your right to sue another driver for non-monetary damage except for extreme circumstances concerning death or permanent disfigurement in return for a lower premium. Choosing a full Tort option allows the policyholder to sue for any post-accident related pain and suffering and usually comes with a higher premium.
These numbers reflect the minimum limits required in Pennsylvania but higher coverage amounts are available with most companies.
Pennsylvania is a no fault state!
What does this mean for you?
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
Cheap Pennsylvania Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Pennsylvania.
Car Insurance FAQs
Are digital insurance cards accepted in Pennsylvania?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in Pennsylvania you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in Pennsylvania?
Uninsured Drivers in Pennsylvania
7%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.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 State College, Pennsylvania, and the most expensive in Philadelphia, Pennsylvania.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Philadelphia | $2,017 |
| 2 | Drexel Hill | $1,519 |
| 3 | Chester | $1,407 |
| 4 | Levittown | $1,393 |
| 5 | Norristown | $1,294 |
| 6 | Allentown | $1,119 |
| 7 | Erie | $1,093 |
| 8 | Reading | $1,088 |
| 9 | Easton | $1,080 |
| 10 | Pittsburgh | $1,074 |
| 11 | Municipality of Monr | $1,070 |
| 12 | Wilkes-Barre | $1,068 |
| 13 | Plum | $1,068 |
| 14 | Hazleton | $1,067 |
| 15 | Bethlehem | $1,066 |
| 16 | Scranton | $1,060 |
| 17 | New Castle | $1,036 |
| 18 | Altoona | $1,022 |
| 19 | Harrisburg | $1,005 |
| 20 | Bethel Park | $999 |
| 21 | Lancaster | $985 |
| 22 | Williamsport | $976 |
| 23 | Lebanon | $941 |
| 24 | York | $935 |
| 25 | State College | $887 |
Recent Pennsylvania Car Insurance Questions and Answers
I’m not licensed but need to insure a vehicle
I just got married a few weeks ago, and even though I’m not yet licensed to drive, and my father ...
Can my insurance company discover out of state ticket
My wife received a speeding ticket in North Carolina. We are residents of Pennsylvania. Researching online I learned the following ...
Will the insurer research to see if my car is financed?
Is it standard for an agent to inquire about the financing of an auto? Will they review the application to ...
Why am I still being charged for a totaled vehicle?
I was in an accident. The car was insured and the adjuster said it was totaled. Why do they continue ...
Driving Laws
Pennsylvania Texting and Driving Laws
- Ban on text messaging for all drivers
Alcohol Related Fatalities
409
Per Year in PennsylvaniaAnnual DUI Arrests
Pennsylvania53,319
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
