Erie ranks as Pennsylvania's best car insurance company, earning a MoneyGeek score of 4.87 out of 5 for its strong customer service, affordable rates and comprehensive coverage options. Since your insurance needs depend on your situation, we recommend considering Travelers, Chubb, Nationwide and Westfield.
Best Car Insurance in Pennsylvania
Updated: November 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Pennsylvania is Erie, leading the state with top customer satisfaction scores.
Travelers offers the best coverage for Pennsylvania drivers with DUIs, while it also ranks highest for those with new vehicles in the state.
To secure the best car insurance rates in Pennsylvania, decide on your coverage needs first, research provider options and compare plenty of quotes before choosing.
Best Car Insurance Companies in Pennsylvania
| Erie Insurance | 4.87 | $55 | 1 | 3 |
| Travelers | 4.83 | $50 | 2 | 5 |
| Chubb | 4.45 | $78 | 3 | 6 |
| Nationwide | 4.44 | $56 | 7 | 5 |
| Westfield Insurance | 4.28 | $56 | 9 | 7 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Pennsylvania by Driver Profile
Erie leads in seven out of ten Pennsylvania driver categories, from young drivers to those with bad credit. Travelers stands out in three specific areas, offering the cheapest rates for drivers with DUIs and both newer and older vehicles.
| Young Drivers | Erie | 2 | 1 | 3 |
| Adult Drivers | Erie | 2 | 1 | 3 |
| Senior Drivers | Erie | 3 | 1 | 3 |
| Drivers With an Accident | Erie | 2 | 1 | 3 |
| Drivers With a DUI | Travelers | 1 | 2 | 5 |
| Drivers With a Speeding Ticket | Erie | 3 | 1 | 3 |
| Drivers With Bad Credit | Erie | 2 | 1 | 3 |
| Drivers With Low Income | Erie | 2 | 1 | 3 |
| Drivers With Newer Cars | Travelers | 1 | 1 | 4 |
| Drivers With Old Cars | Travelers | 3 | 1 | 4 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Pennsylvania Car Insurance Recommendations
Since insurance needs vary by driver, our top Pennsylvania recommendations might not fit your profile perfectly. Compare these five providers to find coverage that matches your specific situation.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Erie Insurance | 0.21 | $89 | 1 | 3 |
| Travelers | 0.21 | $87 | 2 | 5 |
| Nationwide | 0.20 | $76 | 7 | 5 |
| Allstate | 0.19 | $120 | 8 | 4 |
| Progressive | 0.19 | $201 | 4 | 2 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Pennsylvania Car Insurance Reviews
See detailed service comparisons for our top-rated insurance providers below.
Erie
Best Customer Experience and Coverage Options in Pennsylvania
MoneyGeek Rating
4.9/ 5
4.9/5Affordability
5/5Customer Experience
4.2/5Coverage Points
Average Monthly Full Coverage Cost
$82For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$29For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.45/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Rate Lock Protection
Travelers
Best Cheap Overall in Pennsylvania
MoneyGeek Rating
4.8/ 5
5/5Affordability
4.8/5Customer Experience
3.9/5Coverage Points
Average Monthly Full Coverage Cost
$70For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$30For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
How to Find the Best Car Insurance in Pennsylvania
Finding the best car insurance in Pennsylvania challenges most drivers. This guide walks you through choosing coverage that matches your needs and budget.
- 1Decide on Coverage Needs Before You Buy
Figure out what car insurance coverage you need. Evaluate your driving patterns, location and finances, then verify you meet Pennsylvania's minimum requirements.
- 2Research Average Costs and Available Discounts
Check average costs for drivers matching your profile. Hunt for savings through telematics programs and good student discounts. State-approved defensive driving courses can slash premiums substantially.
- 3Evaluate Provider Reputation and Coverage Options
Look past premium prices and examine available add-on coverages for the best fit.
- 4Consider Alternative Coverage Types
Your situation might call for specialized options like manufacturer insurance or pay-per-mile coverage that deliver better value.
- 5Compare Multiple Quotes Through Various Channels
Shop around to find the cheapest option possible for your coverage needs.
- 6Review Coverage Annually
Auto insurance rates shift constantly. Compare rates and coverage options yearly to lock in the best value.
Best Pennsylvania Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Erie is the top-rated company overall, while Travelers and Chubb are also good options for drivers in Pennsylvania.
Best Auto Insurance in Pennsylvania: FAQ
Finding the right car insurance depends on your unique needs, so we've answered common questions to help you choose coverage that fits your situation.
What is the best car insurance company in Pennsylvania?
Erie is Pennsylvania's top auto insurance provider, with an average monthly premium of $82 for full coverage.
What is the best car insurance company for minimum coverage in Pennsylvania?
Westfield leads for minimum coverage in Pennsylvania with an average rate of $232 per year.
What is the best car insurance in Pennsylvania for young drivers?
Erie is the top choice for young adults in Pennsylvania, combining competitive rates around $690 annually for minimum coverage with outstanding customer service.
What is the best car insurance for Pennsylvania drivers who value customer service?
Erie leads customer experience in Pennsylvania with a 5 out of 5 rating. The company excels in their purchase experience, agent interactions, digital tools and claims handling processes.
What is the best car insurance in Pennsylvania if you have driving offenses?
For drivers with violations in Pennsylvania, Travelers leads the pack for DUI offenses, offering monthly rates of $40 for minimum coverage and $97 for full coverage policies.
How We Rated the Best Car Insurance in Pennsylvania
Pennsylvania drivers shopping for insurance deserve coverage that delivers value without surprises. Finding the right insurer means balancing price, service quality and protection options, but countless providers and confusing policy details make comparison overwhelming. Our analysis evaluated more than 70 insurers across every Pennsylvania ZIP code, gathering quotes for dozens of driver profiles to identify which companies offer the strongest combination of affordability, customer satisfaction and coverage flexibility.
MoneyGeek's methodology weighs three factors:
Affordability (60%): Quote comparisons across Pennsylvania reveal pricing patterns for different driver types. Our baseline profile uses a 40-year-old male with good credit, clean driving record and valid license. Additional profiles capture pricing for young drivers, seniors, high-risk drivers and various coverage levels to show how rates shift based on your situation.
Customer experience (30%): Google reviews, J.D. Power ratings, AM Best scores and Reddit discussions reveal how insurers handle claims, answer questions and resolve problems. Pennsylvania-specific feedback weighted heaviest since service quality varies by region.
Coverage options (10%): Insurers earn higher scores for offering unique coverages and comprehensive protection choices beyond basic liability. More options mean better odds of finding coverage matching your specific needs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.