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: August 28, 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
*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:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie | 4.87 | $126 | 1 | 3 |
| Nationwide | 4.49 | $118 | 7 | 5 |
| Chubb | 4.44 | $162 | 3 | 6 |
| Travelers | 4.43 | $186 | 2 | 5 |
| Allstate | 4.15 | $176 | 8 | 4 |
*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/ of 5
4.9/5Affordability
5/5Customer Experience
4.2/5Coverage Options
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/ of 5
5/5Affordability
4.8/5Customer Experience
3.9/5Coverage Options
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 can be difficult. We've created this guide to help you choose coverage that fits your needs and budget.
- 1
Decide on Coverage Needs Before You Buy
Decide on what car insurance coverage you need. Take time to evaluate your driving patterns, location and financial situation and make sure you meet the minimum requirements for the state.
- 2
Research Average Costs and Available Discounts
Research average costs for car insurance for someone with your driver profile. Look into money-saving opportunities like telematics programs and good student discounts. Taking a state-approved defensive driving course can also lead to significant premium reductions.
- 3
Evaluate Provider Reputation and Coverage Options
Look beyond premiums and review available add-on coverages to get the best option.
- 4
Consider Alternative Coverage Types
Depending on your situation, specialized options like manufacturer insurance or pay-per-mile insurance might offer better value.
- 5
Compare Multiple Quotes Through Various Channels
Shop around to find the cheapest option possible for your coverage needs.
- 6
Review Coverage Annually
Auto insurance rates change frequently so compare rates and coverage options to find the best value for your insurance needs.
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
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Pennsylvania. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Pennsylvania. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Pennsylvania-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.