Cheap Pennsylvania Car Insurance

Compare the best rates from 19 car insurance companies in Pennsylvania.

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

Across the Keystone State, there are 253,838 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

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?

Yes

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
Pennsylvania

7%

Nationwide

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

Will the insurer research to see if my car is financed?

May 14, 2018

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?

May 03, 2018

I was in an accident. The car was insured and the adjuster said it was totaled. Why do they continue ...

Car insurance if I only drive part of the year

Mar 08, 2018

I only drive my car during the months of April to September. I don’t drive it in the winter. Can ...

What’s the cheapest company for a 60 year old man with a DUI

Mar 06, 2018

I’m looking for a cheap company for my recent DUI conviction as well as a company that I can bundle ...

Driving Laws

Pennsylvania Texting and Driving Laws

  1. Ban on text messaging for all drivers
Alcohol Related Fatalities

409

Per Year in Pennsylvania
Annual DUI Arrests
Pennsylvania
53,319
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What 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.
Additional Resources:

Pennsylvania Car Insurance

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Pennsylvania Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Pennsylvania area, while also getting an insider view of the Keystone State.

Click here to learn more.

Prompt

So, Pennsylvania students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2018.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2019.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.