The Best Car Insurance in Pennsylvania for 2022
The top car insurance companies in Pennsylvania should balance customer satisfaction, affordability and financial stability. MoneyGeek’s scoring system found that Travelers is the best car insurance company in Pennsylvania, ranking first in claims and affordability and tying for third in satisfaction.
However, if you are on a budget GEICO could be the best option for you. State Farm is the best option for young drivers, while New Jersey Manufacturers is best for customer service.
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The Best Car Insurance in Pennsylvania
MoneyGeek ranked the best car insurance options for different kinds of drivers. For example, for drivers looking for affordability, we reviewed the cheapest car insurance in Pennsylvania.
Why Trust MoneyGeek? Our scoring system for car insurance in Pennsylvania incorporates hundreds/thousands of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.
Best Full Coverage Car Insurance Companies in Pennsylvania: Overall
MoneyGeek found that Travelers offers the best car insurance company in Pennsylvania. Our analysis found that the top two companies in Pennsylvania are:
- Travelers: MoneyGeek score of 85 out of 100 (approximately $1,330 per year)
- GEICO: MoneyGeek score of 85 out of 100 (approximately $1,344 per year)
MoneyGeek used different factors, including average rates, claims ratings and customer satisfaction, to find the best car insurance companies in Pennsylvania. We also analyzed the cheapest full coverage car insurance in Pennsylvania for those focused on savings.
USAA was excluded from the list since its policies are only available to former and current military members and their families. However, MoneyGeek gave it a perfect score, making it the best car insurance company in Pennsylvania for active-duty military personnel and veterans.
THE TOP CAR INSURANCE COMPANIES IN PENNSYLVANIA
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.
Average Annual Cost: $1,330
Travelers offers unique coverages, including new car replacement that is not commonly offered by other providers. This is valuable if you have a new car since it ensures that if your new car is totaled within the first five years, you will be reimbursed with a new car of the same make and model. Travelers also provides accident forgiveness, which you can opt for if you want to ensure that your premiums do not increase after your first at-fault accident. The provider also offers other common add-ons like roadside assistance, which covers the cost of expenses like towing and jump starts. Drivers can even opt for gap insurance to cover the difference between the actual cash value of the vehicle and the unpaid balance of their auto loan or lease in the event their car gets totaled.
For $1,344 annually, GEICO takes second place with impressive scores. It ranks first in satisfaction, tied for first with another provider on stability, ranks second in affordability and tied in second yet again with another company on claims. The company offers mechanical breakdown insurance.
Average Annual Cost: $1,344
Mechanical breakdown insurance (MBI) is one of the unique coverages offered by GEICO. This optional coverage pays for all mechanical repairs if your car is less than 15 months old and has a mileage lower than 15,000 miles. Compared to an extended warranty, which is a lot more expensive, MBI gives extra coverage at a lower price. GEICO also offers accident forgiveness as an add-on. This prevents your premiums from being increased following your first at-fault accident in a five-year period. Drivers can also opt for common add-ons, including roadside assistance and rental reimbursement coverage. These help pay for expenses in case your car breaks down. Keep in mind that GEICO’s rental reimbursement will pay up to a preset amount for a rental vehicle if your car isn't driveable for more than 24 hours because of a covered accident.
Plymouth Rock Assurance in Massachusetts offers insurance policies at an average cost of $778 per year. It is tied third for customer satisfaction and claims and has the highest affordability score. The company offers original equipment manufacturer (OEM) coverage.
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.
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.
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.
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.
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.
To find the best full coverage 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:
Best Car Insurance in Pennsylvania for Customer Service
The best car insurer for customer service in Pennsylvania is New Jersey Manufacturers.
When discussing customer service, two companies provide reliable customer service in Pennsylvania. These are:
- New Jersey Manufacturers: MoneyGeek score of 99 out of 100
- GEICO: MoneyGeek score of 87 out of 100
For this category, MoneyGeek ranked New Jersey providers based on claims ratings and customer satisfaction without considering the cost.
THE TOP TWO CAR INSURANCE COMPANIES IN PENNSYLVANIA FOR SERVICE QUALITY
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.
If you are a rideshare driver in Pennsylvania, you can opt for New Jersey Manufacturers’ rideshare insurance. This coverage protects rideshare drivers by extending medical coverage, roadside assistance and rental car reimbursement coverage when the driver is using a rideshare app. New Jersey Manufacturers also offers optional gap insurance, which will help to pay for the difference between the actual cash value of your car and the remaining balance on your loan or lease if your vehicle is totaled. Drivers can also get common add-ons from this provider, including roadside assistance to cover breakdown services like towing and jump starts. The rental car or travel reimbursement coverage is also available and will help to cover travel expenses incurred while your car is in the shop for repairs.
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.
GEICO’s unique coverage options include Mechanical Breakdown Insurance (MBI). This coverage provides more protection than a standard dealer’s extended warranty. It’s a great perk that GEICO customers can take advantage of. Drivers can also get GEICO’s accident forgiveness coverage, which will protect them against an increase in premiums if they have an at-fault accident for the first time within a specified claim period. Other optional coverages include roadside assistance, which comes in handy if your car breaks down. You can also ensure that you get reimbursement for rental car expenses incurred when your car is being repaired. Beyond these coverages, GEICO is one of the most affordable insurers available to drivers and offers discount opportunities so customers can save even more money.
Best Car Insurance in Pennsylvania for Minimum Coverage
If you are on a budget, GEICO is the cheapest auto insurer in Pennsylvania. The cheapest car insurance option for drivers on a budget is a state minimum policy, which carries Pennsylvania minimum liability limits as required by state laws.
Based on MoneyGeek’s analysis, the best companies for Pennsylvania drivers on a budget are:
- GEICO: MoneyGeek score of 87 out of 100 (approximately $543 per year)
- State Farm: MoneyGeek score of 82 out of 100 (approximately $652 per year)
Every insurer’s score is based on their ability to balance affordability for a minimum coverage policy with quality customer service.
MoneyGeek also analyzed the cheapest minimum coverage car insurance in Pennsylvania for those focused on savings.
MoneyGeek’s Pick: GEICO
Affordable minimum coverage at around $543 per year
Multiple car coverage and defensive driving discount
MoneyGeek claims rating of 4 out of 5
MoneyGeek satisfaction score of 4.5 out of 5
No discounts when you pay in full or opt for a paperless billing
If you are looking to save on car insurance premiums, GEICO offers affordable rates and a host of discounts that you can take advantage of. If you have other GEICO policies, like home or renters insurance, you can get a bundling discount by bundling your car insurance with these policies. GEICO also offers discounts if you insure more than one car.
Drivers with a clean record can get better rates with a safe driving discount. Customers with safety features like airbags, anti-lock brakes, anti-theft systems or daytime running lights installed in their vehicles may also qualify for discounts.
GEICO also offers affinity discounts which will benefit drivers that are members of a partner alumni, fraternity or professional organization.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Pennsylvania for Young Drivers and Students
State Farm is the top insurance company in Pennsylvania for young drivers. MoneyGeek analyzed companies with the best car insurance for young drivers and found that the top two providers are:
- State Farm: MoneyGeek score 82 out of 100
- Allstate: MoneyGeek score of 81 out of 100
MoneyGeek rated insurance providers in Pennsylvania for students, first-time drivers and young drivers based on cost and customer satisfaction. Our analysis for this category covered rates for those in their late teens or early 20s, in high school or college.
MoneyGeek also analyzed the cheapest car insurance in Pennsylvania for young drivers and students if you are focused on affordability.
MoneyGeek’s Pick: State Farm
Affordable policy for adding a young driver at roughly $3,873 per year
Good student, distant student and driver’s education discounts
Claims rating of 4 out of 5
User satisfaction of 4 out of 5
No loyalty program
Adding young drivers to a car insurance policy can be expensive, but State Farm does it in an affordable way while also offering great customer service. If you are a young driver, choosing a provider with good service is important since young drivers are more likely to make claims. Apart from low rates, young drivers can take advantage of State Farm’s various discounts to get more affordable premiums.
State Farm offers various discounts targeting young drivers that can help to make rates more affordable. The good student discount rewards students who have good grades, while those who study far from home can take advantage of the distant student discount to make their car insurance premiums more affordable.
State Farm also offers young drivers discounts for taking driver’s education and defensive driving classes.Read MoneyGeek's State Farm Auto Insurance Review
Best Car Insurance in Pennsylvania for Seniors
MoneyGeek scored the best providers in Pennsylvania based on the cost of car insurance for seniors and customer service records to find the best car insurance for seniors in the state.
The two top-rated companies for car insurance if you are a senior driver in Pennsylvania are:
- Erie: MoneyGeek score of 94 out of 100 (approximately $1,408 per year)
- GEICO: MoneyGeek score of 89 out of 100 (approximately $1,396 per year)
MoneyGeek scored the best cheap car insurance for seniors in Pennsylvania based on a balance of both affordability and customer service.
MoneyGeek’s Pick: Erie
Affordable policy for seniors at an average of $1,408 per year
Claims rating of 5 out of 5
User satisfaction rating of 5 out of 5
No seniors’ or defensive driving discounts
Car insurance rates tend to increase as you age, with seniors paying high rates on average. However, Erie offers a good balance of affordability and quality service for senior drivers in Pennsylvania. This provider also offers drivers various discounts that can help to make car insurance for seniors more affordable.
For senior drivers with safety features like anti-lock brakes and anti-theft systems installed in their vehicles, Erie offers discounts for these and other safety features like airbags. You may also qualify for a discount on your premiums if you pay in full.
While Erie does not have a senior discount or a defensive driving discount, seniors can take advantage of other discounts. These include the bundling discount, which rewards you if you have more than one Erie policy.Read MoneyGeek's Erie Auto Insurance Review
Best Car Insurance in Pennsylvania for Bad 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 87 out of 100 (approximately $2,181 per year)
- State Farm: MoneyGeek score of 87 out of 100 (approximately $1,619 per year)
These companies combine affordability and great customer service after an accident record.
If you are looking for savings, MoneyGeek also analyzed the cheapest car insurance in Pennsylvania for drivers with a DUI or bad record.
MoneyGeek’s Pick: Travelers
Affordable full coverage at roughly $2,181 per year
MoneyGeek claims rating of 5 out of 5
Offer roadside assistance coverage, rental car and/or travel reimbursement, accident forgiveness and new car replacement
Does not offer better car replacement
MoneyGeek user satisfaction of 3.5 out of 5
Travelers is one of the top companies for car insurance in Pennsylvania if you have a bad driving record. This provider has a claims rating score of 5 out of 5 and offers various coverage options as well as discounts, including:
- 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 purchased.
- New Car Replacement: If you total your car within five years of purchase, Travelers will replace it with a brand new one of the same make and model. Some companies limit this to just three years.
Best Car Insurance in Pennsylvania for a Military Background
Families with a military affiliation can get the best car insurance in Pennsylvania from USAA. Based on MoneyGeek’s scoring system, USAA earned a score of 100 out of 100, making it the best car insurance provider in Pennsylvania for quality service and affordability.
USAA’s state minimum coverage can be purchased for an average of $374 per year, while military members who want a full coverage policy pay an average of $991 per year.
MoneyGeek’s Pick: USAA
An affordable full coverage policy of around $1,394 annually for drivers with a bad record
Claims rating score of 5 out of 5
User satisfaction score of 5 out of 5
Limited to military members and their families
If you come from a family with a military background, USAA offers the best balance of affordability and quality service in Pennsylvania. It also has the best reputation in the country among car insurance providers.
Some of the coverages and discounts offered by USAA include:
- Roadside Assistance: Covers costs of breakdown services, including 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 Discount: Sticking with USAA for a designated period can earn you discounts on your premiums.
- Legacy Discount: 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 policy.
Best Car Insurance in Pennsylvania for Those With New Cars
MoneyGeek’s analysis found that Travelers, with a score of 85 out of 100 (approximate cost of $1,330 annually), is the best car insurance company for Pennsylvania drivers with new cars.
Travelers is among the few providers that offer new car replacement coverage as an optional add-on. This coverage is especially valuable for drivers who have new cars.
MoneyGeek’s Pick: Travelers
Affordable policy with an average cost of $1,330 per year
Claims rating score of 5 out of 5
Does not offer a better car replacement
User satisfaction rating of 3.5 out of 5
The new car replacement coverage offered by Travelers allows drivers with new cars to get compensated with a new model of the same car if their car gets totaled. This means that although your new car will have depreciated after driving it off the lot, the insurer will reimburse you in full with a new model of the same make without factoring in the depreciated value of your car. Keep in mind that new car replacement is an optional add-on coverage, so you need to pay more if you want it to be included in your car insurance policy. This coverage is also only available if you total your new car in the first five years, so drivers with older cars may not benefit from this add-on.Read MoneyGeek's Travelers Auto Insurance Review
Best Car Insurance in Pennsylvania for Low-Mileage Drivers
Metromile is the best car insurance option for low-mileage drivers in Pennsylvania. Most auto insurance companies offer pay-per-mile coverage, where you pay for car insurance based on the number of miles that you drive.
MoneyGeek’s Pick: Metromile
Metromile offers affordable rates
Rewards low mileage drivers
Not advisable for those who travel regularly using their car
Even if you only drive your car occasionally, you still need car insurance to ensure your finances are protected. For low-mileage drivers in Pennsylvania, pay-per-mile coverage options like Metromile are the most affordable option since they base premiums partly on how much you drive.
When you switch to Metromile, you will be charged for your first month’s base rate. For subsequent months you will be charged for the next month’s base rate, plus any miles you drove the previous month, at your per-mile rate. The pay-per-mile rate is unique to each driver based on factors such as age, driving history and others.
In most cases, Metromile’s rates end up being cheaper than standard car insurance premiums, especially if you do not drive your car frequently.Read MoneyGeek's Metromile Auto Auto Insurance Review
How to Find the Best Car Insurance in Pennsylvania 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.
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.
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.
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.
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:
Expert Advice: Finding the Best Car Insurance in Pennsylvania
- What are the best coverages to add to your car insurance policy in Pennsylvania?
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About the Author
- Pennsylvania Insurance Department. "Auto Insurance." Accessed September 25, 2021.