Travelers offers the most affordable full coverage car insurance at $67 per month or $807 annually, which is 45% less than Pennsylvania's state average. For Pennsylvanians who prefer a smaller regional insurer, Erie provides competitive rates at $79 per month, just $3 more than Nationwide’s average premium.
Cheapest Car Insurance in Pennsylvania
Updated: October 29, 2025
Advertising & Editorial Disclosure
The cheapest car insurance companies and rates in Pennsylvania are:
Full Coverage: Travelers, $67/mo
Liability Only: Westfield, $20/mo
Teens: Westfield, $83/mo
Young Adults: Travelers, $50/mo
Seniors: Travelers, $52/mo
DUI: Travelers, $39/mo
SR-22: Travelers, $65/mo
Non-Owner: Travelers, $63/mo
Bad Credit: Westfield, $36/mo
Why You Can Trust MoneyGeek
We analyzed car insurance rates from major insurers across all Pennsylvania ZIP codes for various driver profiles, including clean records, different violations, and age groups. Our method involved collecting quotes for standardized driver profiles to ensure accurate comparisons across insurers and locations. Rates show averages for a 40-year-old driver with good credit and a clean record unless otherwise noted. Your actual rate may differ based on your specific circumstances, location, driving history, and coverage options. All data is current as of October 2025. Read more about MoneyGeek's methodology.
Cheapest Full Coverage Car Insurance in Pennsylvania
| Travelers | $67 | $807 | 45% |
| Nationwide | $76 | $918 | 38% |
| Erie Insurance | $79 | $945 | 36% |
| Donegal Insurance | $80 | $964 | 34% |
| Westfield Insurance | $103 | $1,234 | 16% |
Cheapest Minimum Coverage Car Insurance in Pennsylvania
Westfield Insurance offers the cheapest liability-only rates of $20 per month, or just $234 annually, which is 61% below the state average. Chubb charges $36 monthly for the same required coverage, meaning Westfield customers save $192 each year. That's nearly the cost of a full year of Westfield coverage.
| Westfield Insurance | $20 | $234 | 61% |
| Erie Insurance | $28 | $334 | 45% |
| Travelers | $30 | $358 | 41% |
| Nationwide | $33 | $396 | 35% |
| Chubb | $36 | $426 | 30% |
Cheapest Car Insurance in Pennsylvania by City
Travelers offers Pennsylvania's most affordable minimum coverage rates in nine of the state's 15 largest cities. Philadelphia's rates of $55 monthly nearly double Bethlehem's $28 monthly rate, resulting in a $324 annual difference for drivers in neighboring markets.
| Abington | Travelers | $38 | $86 | 43% |
| Allentown | Donegal Insurance | $38 | $78 | 41% |
| Bensalem | Travelers | $39 | $89 | 46% |
| Bethlehem | Travelers | $28 | $64 | 45% |
| Erie | Travelers | $31 | $72 | 41% |
| Harrisburg | Erie Insurance | $24 | $67 | 43% |
| Haverford | Travelers | $42 | $95 | 37% |
| Lancaster | Erie Insurance | $29 | $78 | 37% |
| Philadelphia | Travelers | $55 | $126 | 48% |
| Pittsburgh | Donegal Insurance | $36 | $75 | 36% |
| Reading | Travelers | $29 | $66 | 46% |
| Scranton | Nationwide | $31 | $71 | 41% |
| Upper Darby | Travelers | $44 | $101 | 48% |
| Wilkes-Barre | Nationwide | $31 | $71 | 44% |
| York | Travelers | $25 | $57 | 47% |
Cheapest Car Insurance in Pennsylvania for Teens and Young Adults
Westfield Insurance charges $115 monthly for 16-year-olds, but those same drivers pay only $50 monthly by age 25 through Travelers, saving $780 per year. Westfield leads the teen auto insurance market for drivers ages 16 to 18, with minimum monthly coverage costs ranging from $83 to $115. At the same time, Travelers becomes the most affordable choice for young adults once they turn 19.
Teens under 18 generally cannot legally buy auto insurance without a parent or guardian acting as a cosigner.
Cheapest Car Insurance for Seniors in Pennsylvania
Travelers charges just $52 per month at age 70 and $66 at age 80 for seniors seeking affordable minimum coverage, a modest $14 increase over 15 years. Pennsylvania's mature drivers benefit from years of experience and generally make fewer claims, with Travelers offering rates 45% to 47% below the state average across all senior age groups.
| 65 | Travelers | $56 | $62 | 45% |
| 70 | Travelers | $52 | $109 | 46% |
| 80 | Travelers | $66 | $136 | 47% |
Cheapest DUI Insurance in Pennsylvania
Travelers and State Farm both charge $39 monthly for minimum coverage after a DUI conviction. High-risk drivers needing seeking cheap full coverage should note that State Farm and Allstate both offer identical rates at $120 monthly, making them competitive alternatives to Travelers' $95 full coverage option.
| Travelers | $39 | $95 | 61% |
| State Farm | $39 | $120 | 54% |
| Allstate | $67 | $120 | 46% |
| Erie Insurance | $59 | $155 | 38% |
| Progressive | $90 | $202 | 16% |
Cheapest SR22 Insurance in Pennsylvania
Travelers charges $65 per month for minimum coverage for drivers needing cheap SR-22 insurance, which is 47% less than Pennsylvania's average for SR-22 drivers. Westfield offers an alternative at $46 monthly for minimum coverage, while Travelers' full coverage at $149 monthly exceeds most competitors.
| Travelers | $65 | $149 | 47% |
| Westfield | $46 | $190 | 42% |
| Erie | $88 | $213 | 25% |
| Nationwide | $98 | $210 | 24% |
| State Farm | $100 | $255 | 12% |
Cheapest Non Owner Car Insurance in Pennsylvania
Travelers charges $63 monthly for cheap non-owner coverage, which is 42% below the state average and intended for drivers who don't own vehicles but need proof of insurance. This usually applies to license reinstatement after suspension, SR-22 filing requirements, or frequent car rentals. Non-owner policies are cheaper than standard auto insurance because insurers only cover liability, meaning damage you cause to others, not damage to any specific vehicle.
| Travelers | $63 | 42% |
| Auto-Owners Insurance Co | $86 | 25% |
| Nationwide | $111 | 13% |
Cheapest Car Insurance After an Accident in Pennsylvania
Westfield Insurance offers affordable minimum coverage after an accident at just $25 a month for drivers with accidents, while Nationwide charges only $76 monthly for full coverage compared to Westfield's $125. Your premiums will increase by 20% to 40% after an at-fault accident and stay high for three to five years.
| Nationwide | $33 | $76 | 47% |
| Erie Insurance | $32 | $89 | 42% |
| Travelers | $39 | $89 | 39% |
| State Farm | $36 | $113 | 28% |
| Westfield Insurance | $25 | $125 | 28% |
Cheapest Car Insurance With a Speeding Ticket
Westfield Insurance charges just $21 monthly for low-cost minimum coverage with a speeding ticket, or $252 annually, though drivers needing full coverage should consider Travelers at $82 monthly. Erie Insurance splits the difference at $89 monthly for full coverage, beating Westfield's $108 full coverage rate.
| Westfield Insurance | $21 | $108 | 37% |
| Erie Insurance | $32 | $89 | 42% |
| Travelers | $35 | $82 | 43% |
| Donegal Insurance | $39 | $101 | 33% |
| State Farm | $39 | $120 | 23% |
Cheapest Bad Credit Car Insurance in Pennsylvania
Westfield Insurance provides the most affordable minimum coverage for drivers with bad credit or low-income at $36 monthly or $432 annually for drivers rebuilding credit. Full coverage shoppers should examine Erie Insurance at $111 monthly, which undercuts Westfield's $133 full coverage rate by $22 monthly, or $264 annually.
| Westfield Insurance | $36 | $133 | 34% |
| Erie Insurance | $45 | $111 | 38% |
| Nationwide | $61 | $118 | 30% |
| Geico | $69 | $131 | 21% |
| Travelers | $80 | $145 | 11% |
How to Get the Cheapest Car Insurance in Pennsylvania
Pennsylvania car insurance costs vary based on your location, driving record, age, and credit history. Full coverage averages $67 monthly through Travelers, while minimum coverage costs as low as $20 monthly with Westfield Insurance. You can save hundreds of dollars annually by shopping strategically, comparing insurers and maximizing discounts.
- 1Shop rates from both national and regional carriers
Compare at least three to five Pennsylvania providers. Regional insurers like Erie Insurance and Donegal Insurance often offer lower rates compared to national companies in specific metropolitan markets.
Use MoneyGeek’s car insurance calculator. It will give you a customized estimate of your cheapest car insurance based on your location and driver profile. It’s free to use, requires no personal information, and we won’t send you any spam.
- 2Take advantage of discounts
Bundle home and auto policies for 5% to 25% savings, use multi-car discounts for 10% to 25% off, enroll in defensive driver programs (especially for seniors), claim good student discounts for 10% to 15% off, and qualify for low-mileage discounts of 15% to 30%.
- 3Adjust your deductibles and coverage
Raising deductibles from $500 to $1,000 lowers premiums by 10% to 15%. Travelers' full coverage costs about $82 monthly with $500 deductibles, dropping to $67 monthly with $1,000 deductibles, saving $180 annually.
Limited tort coverage is cheaper but restricts your ability to sue for pain and suffering after an accident. Full tort gives more rights in lawsuits but costs more. Balancing affordability and protection is key when deciding how much car insurance you actually need.
- 4Meet Pennsylvania’s unique minimum requirements
Pennsylvania's state minimum requirements mandate drivers to carry $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 for property damage, often written as 15/30/5. Your policy must also provide $5,000 in medical benefits coverage. These minimums are often insufficient in serious accidents, as the average vehicle repair costs around $4,500 and total loss replacements can exceed $20,000.
- 5Shop after life changes
Marriage, moving to a new Pennsylvania city, or adding vehicles can trigger new discounts. Due to Pennsylvania's dramatic city-to-city rate variations, Philadelphia vs. Bethlehem location changes can save $27 monthly.
- 6Last-resort coverage through PA AIPSO
Drivers unable to secure a policy in the standard market can apply through the Pennsylvania Automobile Insurance Plan, though rates are higher.
Cheap Car Insurance in Pennsylvania: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance in Pennsylvania.
How much does car insurance cost in Pennsylvania?
Pennsylvania car insurance costs between $20 and $55 per month for minimum coverage and $64 to $126 per month for full coverage, depending on the city. Philadelphia has the highest rates in the state, with $55 for minimum coverage and $126 for full coverage, while Bethlehem offers the lowest rates at $28 for minimum and $64 for full coverage.
Should you buy the cheapest car insurance in Pennsylvania?
While opting for the least expensive insurance can be tempting, make sure it provides sufficient coverage for major losses. Erie Insurance offers the best balance of affordability and quality coverage in Pennsylvania.
Is state minimum coverage enough in Pennsylvania?
Drivers in Pennsylvania must carry auto insurance to legally operate a vehicle. The state is a choice no-fault system, which means drivers can select between limited or full tort options that affect their right to sue after an accident. By law, every policy must include liability coverage, first-party medical benefits, and uninsured/underinsured motorist protection. Meeting these limits keeps you legal, but many drivers purchase higher coverage for better protection against serious claims.
Is Pennsylvania a no-fault state?
No, Pennsylvania is not a completely no-fault state. Pennsylvania gives drivers a choice between limited tort, which offers lower premiums but limits lawsuit rights, and full tort, which has higher premiums but grants full lawsuit rights. All policies include medical benefits coverage regardless of fault.
Does Pennsylvania allow gender-based insurance pricing?
Pennsylvania generally allows insurers to consider gender when setting rates, so young male drivers usually pay more than young female drivers. However, some Pennsylvania insurers voluntarily choose not to use gender as a rating factor.
Most Affordable Car Insurance in Pennsylvania Related Articles
How We Found the Most Affordable Car Insurance in Pennsylvania
MoneyGeek collected auto insurance data from the Pennsylvania Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Pennsylvania. We compared car insurance companies offering both minimum coverage (set to Pennsylvania's required liability limits of $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 per accident for property damage) and full coverage policies (with liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible).
For more information, see the detailed methodology here.
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.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed October 30, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed October 30, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 30, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed October 30, 2025.