The Best Car Insurance in Pennsylvania for 2022

The top car insurance companies in Pennsylvania should balance customer satisfaction, affordability and financial stability. After gathering data from different companies in Pennsylvania, MoneyGeek found Travelers is the best company, ranking first in claims and affordability and tying for third in satisfaction.

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Last Updated: 5/13/2022
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MoneyGeek’s scoring system rates companies by affordability, stability and customer service. Having accumulated a total score of 4.3 out of 5, Travelers was rated as the best company in the state. However, the best overall may not have the requirements you’re looking for.

We ranked the best options for different kinds of drivers. For example, some may forgo quality customer service and opt for the cheapest car insurance in Pennsylvania.

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The Best Car Insurance in Pennsylvania

Best Car Insurance Companies in Pennsylvania: Overall

The best providers in Pennsylvania have affordable average rates, good to excellent claims ratings and user satisfaction.

Our findings suggest that Travelers and GEICO were the top car insurance companies not just in Pennsylvania but also on a national scale.

  • Travelers: MoneyGeek score of 4.3 out of 5
  • GEICO: MoneyGeek score of 4.3 out of 5

Aside from these two companies, USAA joins the top companies having a total score of 5 out 5. However, it was excluded in the rankings as their policies are limited to military families.

The Top 5 Car Insurance Companies in Pennsylvania

1
Travelers
Score:4.3

4/5

Affordability

3.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

For an average cost of $1,330 per year, Traveler has a lot to offer, having the highest scores in stability, claims and affordability. Coverage includes new car replacement.

More About Travelers

The best car insurance company in Pennsylvania offers new car replacement, something that is rare to find in many car insurance companies across the state. This extra coverage that new car owners can take advantage of replaces your car with a brand new one of the same make and model if it totaled within the first five years.

Read MoneyGeek's Travelers auto Insurance Review
2
GEICO
Score:4.3

4/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

For $1,344 annually, GEICO takes second place with impressive scores. It ranks first in satisfaction, tied in first on stability, ranks second in affordability and tied in second on claims. The company offers mechanical breakdown insurance.

More About GEICO

Mechanical breakdown insurance is one of the rare coverage that GEICO offers. It covers all mechanical repairs. However, this is only applicable to cars that are 15 months old and have traveled less than 15,000 miles. Rather than getting an extended warranty, which is a lot more expensive, MBI gives extra coverage for a cheaper price.

Read MoneyGeek's GEICO auto Insurance Review
3
State Farm
Score:4.1

3.9/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Tied first on stability and with the second-highest score on satisfaction, State Farm costs roughly $1,370 annually. If you use a ridesharing platform, take advantage of its rideshare insurance.

More About State Farm

Rideshare insurance coverage on a policy benefits drivers that use their car for a ridesharing company. Other than liability insurance, this coverage includes medical, emergency roadside assistance and rental car reimbursement and personal deductible. Coverage takes effect once the app is on and the driver is available for hire.

Read MoneyGeek's State Farm auto Insurance Review
4
Nationwide
Score:3.5

2.8/5

Affordability

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Nationwide tied in second in claims and costs around $1,771 per year. Some of the coverages Nationwide offers include identity theft coverage and total loss deductible waiver.

More About Nationwide

Identity theft coverage on a policy protects its insurer with $25,000 worth of reimbursable expenses in case of any theft or fraud. On the other hand, a total loss deductible waiver takes effect when your car is declared a total loss and waives your entire deductible.

Read MoneyGeek's Nationwide auto Insurance Review
5
Allstate
Score:3.3

2.6/5

Affordability

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate costs roughly $1,824 per year, ranking third in claims and tying for third in satisfaction. This insurance policy comes with custom parts coverage.

More About Allstate

Allstate has a list of coverage worth considering. It comes with a custom parts coverage that is best for those who like to accessorize their car. Additionally, Allstate gap insurance waives the difference between your primary auto insurance settlement and the balance owed on your vehicle on the date of vehicle loss.

Read MoneyGeek's Allstate auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN PENNSYLVANIA

To find the best car insurance companies in Pennsylvania, MoneyGeek takes several factors into consideration. Aside from average rates, which determine whether a policy is cheap or not, we also analyze claims rating and user satisfaction reports from J.D. Power and NAIC. These three data points allow us to make a thorough analysis in finding the best option in the state.

MoneyGeek's Pennsylvania Car Insurance Resources:

Compare the Best Insurance Options in Pennsylvania

Through our one-on-one and in-depth reviews of insurance companies and policies, you will be able to make an informed decision about which company is the best for you. Keep in mind that aside from cost, service and financial stability, you want to have a list of specific coverages you think you might need before signing or buying any policy.

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Best Car Insurance in Pennsylvania for Customer Service

Good customer service is an essential part of an insurance company as it is the policyholder’s direct point of contact when a problem occurs. That is where claims rating and user satisfaction scores come in.

Drivers in Pennsylvania who are willing to pay more in exchange for reliable customer service should consider these two companies:

  • New Jersey Manufacturers: MoneyGeek score of 4.6 out of 5
  • GEICO: MoneyGeek score of 4.3 out of 5

Companies with the highest claims and satisfaction ratings have excellent customer service. These two companies are rated as the best when the cost is not considered.

The Top 2 Car Insurance Companies in Pennsylvania for Service Quality

1
New Jersey Manufacturers
Score:5

5/5

Claims

5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

New Jersey Manufacturers has a score of 5 out 5 for both claims and satisfaction. It also has a stability score of 4.5 out of 5.

More About New Jersey Manufacturers

New Jersey Manufacturers’ TNC Rideshare Endorsement fills gaps in insurance afforded by the TNC's commercial insurance coverage. The company also offers roadside assistance, rental car and/or travel reimbursement and gap Insurance.

Read MoneyGeek's New Jersey Manufacturers auto Insurance Review
2
GEICO
Score:4.3

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO receives a 4 out of 5 claims rating and a 4.5 out of 5 satisfaction score. It also has a stability score of 5 out of 5.

More About GEICO

From roadside assistance, rental car and/or travel reimbursement and mechanical breakdown insurance, GEICO presents a list of coverages making it worth its price. Additionally, GEICO’s Accident Forgiveness can be earned or purchased in states where it is available.

Read MoneyGeek's GEICO auto Insurance Review

Best Car Insurance in Pennsylvania for Drivers on a Budget

Getting a minimum car insurance policy is your best option if you are concerned about cost. In Pennsylvania, there are a lot of companies offering cheap insurance that can cover you for basic auto needs and damages. MoneyGeek listed the best car insurance companies in Pennsylvania for drivers on a budget.

As we rate companies from cheapest to most expensive, we also make sure that the company also offers good customer service.

The top car insurance companies in Pennsylvania with the cheapest rates are:

  • GEICO: MoneyGeek score of 4.4 out of 5
  • State Farm: MoneyGeek score of 4.1 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable minimum coverage at around $543 per year

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Multiple car coverage and defensive driving discount

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek satisfaction score of 4.5 out of 5

cons

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No discounts when you pay in full or opt for a paperless billing

COMPANY HIGHLIGHTS

Bundling, multiple car and safe driving are just a few of the coverages you can get when you buy a policy from GEICO.

Drivers in Pennsylvania should take advantage of GEICO’s new vehicle and anti-lock brakes discount offers. New vehicle discount lets drivers save when they add another vehicle into the policy. On the other hand, anti-lock brakes give additional discounts just by installing anti-lock brakes in their car.

Best Car Insurance in Pennsylvania for Poor Driving Records

Prone to accidents on the road? You may pay more in premiums than the average driver. In that case, you should be looking for companies that have the most affordable offer for drivers with a bad record while still maintaining great customer service.

The top companies for drivers with bad records are:

  • Travelers: MoneyGeek score of 4.4 out of 5
  • State Farm: MoneyGeek score of 4.4 out of 5

These companies combine affordability and great customer service after an accident record.

MoneyGeek’s Pick: Travelers

Travelers

pros

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Affordable full coverage at roughly $2,181 per year

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MoneyGeek claims rating of 5 out of 5

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Offer roadside assistance coverage, rental car and/or travel reimbursement, accident forgiveness and new car replacement

cons

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Does not offer better car replacement

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MoneyGeek user satisfaction of 3.5 out of 5

COMPANY HIGHLIGHTS

Travelers is the top company that has the most affordable rates for drivers with a bad record. It does have a high claims rating score of 5 out of 5, though it also has a low user satisfaction of 3.5 out of 5. At $2,181 per year, the best full coverage car insurance in Pennsylvania includes several features in its offerings:

  • Roadside assistance: This covers all automobile needs such as flat tires, jump starts and lockout services.
  • Rental car reimbursement: During the time that your car is being repaired, all your rental car expenses will be reimbursed.
  • Accident Forgiveness: Drivers that get into an accident for the first time will have their premium increase waived. This coverage is either earned or bought.
  • New Car Replacement: If you totaled your car within five years of purchase, Travelers will replace it with a brand new one of the same make and model. Some companies offer only up to three years.

Best Car Insurance in Pennsylvania for a Military Background

Families with a military affiliation get the best offers from USAA. Based on MoneyGeek’s scoring system, it is also the best car insurance provider in Pennsylvania.

USAA has a total score of 5 out of 5. A state minimum coverage can be purchased for roughly $374, while military members who want a full coverage policy pay roughly $991 per year.

MoneyGeek’s Pick: USAA

USAA

pros

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An affordable full coverage policy of around $1,394 annually for drivers with a bad record

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Claims rating score of 5 out of 5

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User satisfaction score of 5 out of 5

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Rideshare insurance

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Multiple Car

cons

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Limited to military members and their families

COMPANY HIGHLIGHTS

If you come from a family with a military background, take a look at USAA offers first before you consider other insurers. It has the best reputation in the country when it comes to offering policies that are both affordable with great services.

  • Roadside Assistance: Get immediate help on the road for needs like towing, unlocking your vehicle, jumpstarting your battery, changing a flat or delivering gasoline.
  • Accident Forgiveness: At an additional cost, you can get accident forgiveness coverage to prevent your fees from going up after an at-fault accident. You can also earn it when you remain accident-free for five years or more.
  • Loyalty: Sticking with USAA for a designated period of time can earn you discounts on your premiums.
  • Legacy: If you are under 25 and you have been previously insured under your parent’s USAA policy, you can get discounts when you decide to get your own policy.

Best Car Insurance in Pennsylvania for Young Drivers and Students

Considering the risk, you will see many insurers charging high rates for young drivers and teen drivers. Hence, MoneyGeek searched for companies that offer a lot of discounts and coverages for inexperienced drivers.

The best car insurance companies in Pennsylvania for young and teen drivers are:

  • State Farm: MoneyGeek score of 4.1 out of 5
  • Allstate: MoneyGeek score of 4.1 out of 5

These companies cater to young drivers and student drivers with affordable rates and great customer service.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Affordable policy for adding a young driver at roughly $3,873 per year

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Good student, distant student and driver’s education discounts

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Claims rating of 4 out of 5

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User satisfaction of 4 out of 5

cons

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No loyalty program

COMPANY HIGHLIGHTS

The great thing about State Farm is that it is able to lower the rates for student and teen drivers. Having great customer service is a plus, too. Young drivers are the most at risk compared to other drivers.

State Farm has a lot of discount offers that help young drivers save even more. Specifically, these include a good student discount which rewards students who perform well in school, a distant student discount for those who drive a long distance from where their car is garaged to their school location and a driver’s education discount where they save money after completing a driving course.

Best Car Insurance in Pennsylvania for Those With New Cars

If you have a car that is less than five years old, a car insurance policy created specifically for those with new cars can help drivers save a lot by getting their car replaced with a new one when the cost of damages exceeds the car’s total cost.

Two types of coverage allow you to get a brand new car. Of course, these come with an additional cost to get the coverage. One is a new car replacement, where it replaces your damaged car with the same model and make. The other is a better car replacement, which gives you a more recent model car.

In Pennsylvania, Travelers is the most affordable policy that offers this coverage to its policyholders. This insurer has a total score of 4.3 out of 5 in the state.

MoneyGeek’s Pick: Travelers

Travelers

pros

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Affordable policy with an average cost of $1,330 per year

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Claims rating score of 5 out of 5

cons

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Does not offer a better car replacement

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User satisfaction rating of 3.5 out of 5

COMPANY HIGHLIGHTS

When you total your car, some companies offer coverage by paying the car’s depreciated value, technically making you lose a lot of money when you could have saved more. Travelers offering this coverage for such a low price of around $1330 per year is something that you should consider, especially when you fit the profile described above.

Think about whether the cost of total damage on your car accumulated over the first few years and how it compares with the cost of your premiums. You will immediately see how much you can save by choosing this insurer.

Best Car Insurance in Pennsylvania for Low-Mileage Drivers

If you don’t travel regularly using your car, pay-per-mile car insurance that only charges you based on how many miles you drive in a year might be your best option. MoneyGeek made an analysis to find out which companies offer cheap low-mileage car insurance.

In Pennsylvania, low-mileage drivers should take a look at Metromile, a pay-per-mile program that has exceptionally cheap rates.

MoneyGeek’s Pick: Metromile

Metromile Auto

pros

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Metromile offers affordable rates

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Rewards low mileage drivers

cons

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Not advisable for those who travel regularly using their car

COMPANY HIGHLIGHTS

You may be using your car only occasionally but still want an auto insurance policy for protection. If that’s the case, there is no point in paying a huge amount in premiums when you can’t get the most out of your policy.

The way Metromile programs work is they charge you with a base rate plus the miles that you used in the previous month. Pay-per-mile programs are far cheaper than your usual premiums. Just like any other insurance, the base rate is affected by factors such as your age, driving profile, type of vehicle and so on. Only then does your mileage add up with your base for the total amount.

How to Find the Best Car Insurance in Pennsylvania in For You

As you look for the best car insurance for you, start by looking at cost, service reputation and financial stability. We collected this information for you and presented it in a way that is digestible. However, for your own research, you can go through each of your best options yourself.

1

Research Customer Service Reputations in Pennsylvania

J.D. Power satisfaction scores as well as NAIC complaint ratios laid the groundwork for MoneyGeek’s research. For your own research, you may check them out as well as the Pennsylvania Insurance Department for a list of resources about auto insurance.

2

Compare Quotes for Yourself

Buying the first auto insurance offered to you is not the smartest choice. Wait and compare at least three to four car insurance quotes to get the best deals. By having multiple choices, you will be able to realize the kind of coverage you want and make the best choice.

3

Make Sure the Company Has Coverages You Want in Pennsylvania

You may hear great reviews about a certain car insurance company and immediately decide that you should take it. However, as you encounter issues on the road, you will find that your policy turns out to not have the list of coverage that you personally need. Make sure that you check the coverage inclusions in your policy before paying for anything.

4

Double-Check Financial Stability Ratings

The financial strength of an insurer tells you about its ability to cover damages and even replace your car if it’s included in the policy when you need it. In other words, the company should have sufficient backup in fulfilling its financial obligations to its policyholders. Stay away from companies that have no proof of claim written.

FAQs About the Best Car Insurance in Pennsylvania

The best car insurance in Pennsylvania for you is the one that suits your needs, profile and budget. Have a look at these common questions about car insurance companies in Pennsylvania:

Methodology

MoneyGeek worked with Quadrant Information Services in gathering quotes from companies in Pennsylvania. We present these quotes based on our sample driver, which is a 40-year-old male driver with a clean record looking for full coverage car insurance. More details about this driver, such as the specific car make and model, distance traveled in a year, amount deductible and more, can be found in our methodology page.

Aside from the driver’s personal profile, we also factored in claims rating and satisfaction scores from J.D. Power, AM Best and National Association of Insurance Commissioners (NAIC) in calculating the total scores of each company.

Lastly, information about discounts and coverages were simply gathered from each company’s website by using their quote tools.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources
  • Pennsylvania Insurance Department. "Auto Insurance." Accessed September 25, 2021.