Best Car Insurance in Pennsylvania

Erie ranks as Pennsylvania's Best Overall car insurer and Best for Young Drivers or Those With a Violation. The company earns a 5.0 out of 5 customer experience score, ranking #1 in the state, with strong coverage (4.2/5) and affordability (4.9/5) ratings.

Erie's coverage extends beyond standard liability, collision and comprehensive insurance. Special options include pet injury protection for dogs and cats injured in accidents, personal item coverage for stolen belongings, and roadside service with locksmith help and flat tire changes. The Rate Lock Program prevents premium increases unless you add vehicles, drivers or change residence. Erie's Auto Plus endorsement adds deductible waivers for total losses and a diminishing deductible that drops $100 each claims-free year, up to $500.

Erie delivers competitive rates across driver categories. Adult drivers pay an average of $53 monthly ($945 annually) for full coverage. Young drivers pay $110 monthly ($1,946 annually). Drivers with accidents or speeding tickets pay $63 monthly ($1,113 annually). Those with bad credit pay $101 monthly ($1,745 annually). Erie's Pennsylvania headquarters gives the company local expertise in handling weather-related claims and understanding state-specific driving conditions. The company resolves most claims within weeks and offers a user-friendly mobile app for policy management and claims tracking.

Read our review: Erie Car Insurance Review

Travelers wins for Pennsylvania drivers with a DUI, averaging $822 annually, and those with newer cars at $404 per year. The company also beats competitors for older vehicle owners at $441 annually. With a 5.0 out of 5 affordability score and second-place overall ranking in Pennsylvania, Travelers gives cost-effective coverage to drivers who pay higher premiums.

Travelers' coverage extends beyond standard options to include pet injury protection, custom parts coverage and gap insurance. The company scores 3.9 out of 5 for coverage options, ranking 5th in the state. Additional benefits include roadside assistance and rental reimbursement, with specialized storm damage protection for Pennsylvania's weather conditions.

Customer experience ranks at 4.8 out of 5, placing Travelers second in Pennsylvania for service quality. The company gives 24/7 claims filing through its mobile app, has local agents statewide and processes most claims efficiently, though some customers report occasional 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