Best Car Insurance in Pennsylvania

Erie is Pennsylvania's top-rated overall insurer, scoring 5.0/5 for customer experience (the highest in the state) with a 4.2/5 for coverage and 4.9/5 for affordability.

Standard liability, collision and comprehensive come with specialized add-ons: pet injury protection for dogs and cats, personal item coverage for stolen belongings and roadside service including locksmith help and flat tire changes.

The Rate Lock Program holds premiums steady unless you add vehicles, drivers or change residence. Erie's Auto Plus endorsement adds total loss deductible waivers and a diminishing deductible that drops $100 each claims-free year up to $500.

Pennsylvania rates are as follows: adults pay $53 monthly ($945 annually) for full coverage, young drivers pay $110 ($1,946), drivers with accidents or tickets pay $63 ($1,113) and people with bad pay $101 ($1,745). Erie's in-state headquarters supports faster weather-related claims handling. Most claims resolve within weeks and a mobile app handles policy management and claims tracking.

Read our review: Erie Car Insurance Review

Travelers ranks first for affordability among Pennsylvania insurers, earning a 5.0 out of 5 score and placing second overall statewide. The company offers the lowest rates for specific categories: $822 for drivers with DUIs, $404 for newer car owners and $441 for older vehicle owners.

Travelers scores 3.9/5 for coverage, ranking fifth in Pennsylvania. Standard coverage comes with pet injury protection, custom parts coverage and gap insurance, plus roadside assistance, rental reimbursement and storm damage protection.

Travelers earns 4.8/5 for customer experience, second in the state. Claims file 24/7 through the mobile app and local agents are available statewide. Most claims process on time; some customers report settlement delays.

Read our review: Travelers Car Insurance Review

Westfield wins for drivers with bad credit or low income in Pennsylvania. The company charges average monthly premiums of $56 and annual premiums of $676, with minimum coverage starting at just $19 per month. With a 4.9 out of 5 affordability score, Westfield gives accessible coverage to drivers who struggle to find affordable options elsewhere.

Westfield's auto coverage extends beyond basic liability, collision and comprehensive with specialized options for Pennsylvania customers. The company includes pet injury coverage, custom parts and equipment coverage, and loan/lease gap coverage. Additional benefits include roadside assistance and rental reimbursement when vehicles are temporarily unusable due to covered losses. With a 2.9 out of 5 coverage score and seventh-place coverage ranking, Westfield's policy features lag behind competitors.

Customer experience at Westfield scores a solid 3.5 out of 5, though the company ranks ninth for customer experience among Pennsylvania insurers. The insurer gives 24/7 claims reporting and a mobile app for claim submissions and policy management. Claims processing reportedly moves faster than industry averages, and the company has over 170 years of experience serving Pennsylvania drivers.

Read our review: Westfield Car Insurance Review