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The Best Cheap Car Insurance Companies for PA Drivers in 2020

When searching for cheap car insurance in Pennsylvania, you’ll have options to work with some of the nation’s most familiar brands. Coverage from these top insurance companies varies by individual but you can use averages as a guide. A great way to start your search for affordable car insurance is by reviewing the coverage you need. Then, use that information to get free car insurance quotes from multiple companies.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Pennsylvania for the cheapest car insurance on average.
$991
per year
2. Erie
In 2020, Erie ranked #2 in Pennsylvania for the cheapest car insurance on average.
$1,328
per year
3. Travelers
In 2020, Travelers ranked #3 in Pennsylvania for the cheapest car insurance on average.
$1,330
per year
4. GEICO
In 2020, GEICO ranked #4 in Pennsylvania for the cheapest car insurance on average.
$1,344
per year
5. State Farm
In 2020, State Farm ranked #5 in Pennsylvania for the cheapest car insurance on average.
$1,370
per year
6. Nationwide
In 2020, Nationwide ranked #6 in Pennsylvania for the cheapest car insurance on average.
$1,771
per year
7. Allstate
In 2020, Allstate ranked #7 in Pennsylvania for the cheapest car insurance on average.
$1,824
per year
8. Esurance
In 2020, Esurance ranked #8 in Pennsylvania for the cheapest car insurance on average.
$2,097
per year
9. Progressive
In 2020, Progressive ranked #9 in Pennsylvania for the cheapest car insurance on average.
$2,589
per year
10. MetLife
In 2020, MetLife ranked #10 in Pennsylvania for the cheapest car insurance on average.
$2,753
per year

Each individual and situation is unique, so each person’s cost per month is also unique. Insurance is not a one-size-fits-all system. Car insurance companies also use different policies to set rates, so while one company may be cheapest for you, it might be another for your neighbor. Your individual factors include age, gender, driving record, location and the type of car you drive.

The Best Cheap Car Insurance Companies for PA Drivers in 2020

We don’t always like to think about it, but insurance is important for the ‘what ifs’ in life. What if I get an accident? It’s at those tough, stressful moments that you want a company you can trust. That’s why MoneyGeek ranked the top car insurance companies in Pennsylvania for 2020.

Each auto insurance company earned a score out of 100 based on four consumer and industry reviews. MoneyGeek’s ranking system equally weighted AM Best’s financial strength as well as JD Power’s customer satisfaction, claims score and affordability score.

This score uniquely balances reliability and affordability to help you find the best and cheapest car insurance in Pennsylvania.

Expand all Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

New Jersey ManufacturersScore: 97.5
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A+

Financial Stability

3

GEICOScore: 92.5
+

4/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

4

HartfordScore: 87.5
+

4/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

5

State FarmScore: 85
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

6

TravelersScore: 85
+

2/5

User Satisfaction

5/5

Claims Ratings

2/5

Affordability

A++

Financial Stability

7

ProgressiveScore: 80
+

2/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

8

NationwideScore: 77.5
+

2/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A+

Financial Stability

9

FarmersScore: 75
+

2/5

User Satisfaction

2/5

Claims Ratings

3/5

Affordability

A

Financial Stability

10

CSAAScore: 75
+

2/5

User Satisfaction

2/5

Claims Ratings

3/5

Affordability

A

Financial Stability


Market Share by Company

Working with one of the largest car insurance companies in Pennsylvania may provide you peace of mind. You’ll know they’ll have experience managing specific state requirements and laws, and are fiscally stable enough to pay your claim. State Farm is the largest auto insurer in the state, with 19.36% of the market share.

Company
Market Share
1. State Farm
19.36%
2. Erie
13.21%
3. Allstate
11.30%
4. Progressive
10.87%
5. GEICO
8.61%
6. Nationwide
8.05%
7. Liberty Mutual
4.70%
8. Travelers
3.72%
9. USAA
3.50%
10. Farmers
2.37%

Cheapest Car Insurance for Drivers With a DUI in Pennsylvania

Driving under the influence (DUI) carries a dramatic risk for your life and fellow drivers on the road. One in three United States traffic deaths involves a drunk driver. In Pennsylvania, 1.8% of adults admitted to driving after drinking too much in a survey by the Centers for Disease Control and Prevention (CDC)

The legal consequences of a DUI in Pennsylvania vary based on a driver’s blood alcohol content (BAC). It is illegal to drive with a BAC of .08% or higher. First-time offenders face six months of probation, a $300 fine, but get to keep their license. If your BAC is higher than .10%, the punishment is much more severe with jail time and your license will be suspended.

Check out the following table for estimates on what to expect if you get a DUI in Pennsylvania.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$1,322
per year
2. State Farm
In 2020, State Farm ranked #2 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$1,494
per year
3. Allstate
In 2020, Allstate ranked #3 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$1,824
per year
4. Erie
In 2020, Erie ranked #4 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$2,031
per year
5. Esurance
In 2020, Esurance ranked #5 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$2,501
per year
6. Travelers
In 2020, Travelers ranked #6 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$2,843
per year
7. Progressive
In 2020, Progressive ranked #7 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$2,936
per year
8. Nationwide
In 2020, Nationwide ranked #8 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$3,013
per year
9. GEICO
In 2020, GEICO ranked #9 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$4,537
per year
10. MetLife
In 2020, MetLife ranked #10 in Pennsylvania for the cheapest car insurance for drivers with a DUI.
$7,847
per year

A DUI citation can have a significant impact on your finances. Along with legal and court fees, you can expect your car insurance cost to rise. In some cases, your insurance rates could double overnight after a DUI because insurers will immediately label your coverage as high-risk.

In Pennsylvania, a license suspension is a valid reason for an insurance company to cancel your policy. If that happens, you’ll need to look for coverage from a different company. Getting free quotes from multiple companies will help you find the cheapest car insurance with a DUI in Pennsylvania.

If you struggle to find coverage after a DUI, Pennsylvania offers an Assigned Risk Plan. This commonwealth sponsored auto insurance ensures high-risk drivers have coverage and the risk is shared across multiple providers.

Cheapest Car Insurance for PA Speeding or Distracted Driving Tickets

According to the National Highway Traffic Safety Administration, Pennsylvania has one of the worst rates for distracted driving. In 2018, distracted driving accounted for 1,103 crashes in the state. Both distracted-driving and speeding is considered risky driving behavior by auto insurance companies and may increase your rates. In Pennsylvania, the law prohibits drivers from interacting with any wireless device, including texting, emailing or browsing the internet.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Pennsylvania for the cheapest car insurance for distracted drivers.
$1,104
per year
2. Erie
In 2020, Erie ranked #2 in Pennsylvania for the cheapest car insurance for distracted drivers.
$1,378
per year
3. State Farm
In 2020, State Farm ranked #3 in Pennsylvania for the cheapest car insurance for distracted drivers.
$1,494
per year
4. GEICO
In 2020, GEICO ranked #4 in Pennsylvania for the cheapest car insurance for distracted drivers.
$1,567
per year
5. Allstate
In 2020, Allstate ranked #5 in Pennsylvania for the cheapest car insurance for distracted drivers.
$1,824
per year
6. Travelers
In 2020, Travelers ranked #6 in Pennsylvania for the cheapest car insurance for distracted drivers.
$2,181
per year
7. Esurance
In 2020, Esurance ranked #7 in Pennsylvania for the cheapest car insurance for distracted drivers.
$2,199
per year
8. Nationwide
In 2020, Nationwide ranked #8 in Pennsylvania for the cheapest car insurance for distracted drivers.
$2,236
per year
9. Progressive
In 2020, Progressive ranked #9 in Pennsylvania for the cheapest car insurance for distracted drivers.
$2,642
per year
10. MetLife
In 2020, MetLife ranked #10 in Pennsylvania for the cheapest car insurance for distracted drivers.
$3,656
per year

While drivers face a $50 fine in Pennsylvania for distracted driving, the violation does not appear on any driver records. However, there are now tougher penalties for crashes caused by texting while driving, including two years in jail.

Clearing your record of a distracted driving crash will take some time. In the meantime, your insurance rates will increase. Finding cheap car insurance rates with a ticket in Pennsylvania is possible with research. You should get multiple quotes and ask if there are ways you can lower your rate, like taking a driver’s education course.

Cheapest Car Insurance Companies in PA for Drivers With Bad Credit

How responsible you are with your finances is a factor car insurance companies use to determine your rates. If you have a high credit score, they believe you will have fewer claims and will offer you a lower rate. This effect is the opposite for people with low credit scores. Pennsylvania allows insurers to increase rates when writing new policies, but cannot use your credit score to affect renewals. According to Experion, Pennsylvania has an average credit score of 713. That’s slightly above the national average of 703.

Check out the following table for estimates of what drivers in Pennsylvania will pay for auto insurance if they have bad credit.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$1,529
per year
2. Nationwide
In 2020, Nationwide ranked #2 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$1,906
per year
3. GEICO
In 2020, GEICO ranked #3 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$2,095
per year
4. Travelers
In 2020, Travelers ranked #4 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$2,427
per year
5. State Farm
In 2020, State Farm ranked #5 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$2,718
per year
6. Erie
In 2020, Erie ranked #6 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$3,220
per year
7. Allstate
In 2020, Allstate ranked #7 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$3,365
per year
8. Esurance
In 2020, Esurance ranked #8 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$4,580
per year
9. Progressive
In 2020, Progressive ranked #9 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$4,873
per year
10. MetLife
In 2020, MetLife ranked #10 in Pennsylvania for the cheapest car insurance for drivers with poor credit.
$5,994
per year

If you have a lower credit score, your quotes will likely reflect that with higher rates. To lower your rates, double-check your credit report. If there are errors, work to fix them as soon as possible and then reevaluate with your insurance company. Work with a few insurance companies and ask if and how they use your credit report. Bad credit will impact your rates more with some insurers than with others, so get several personalized quotes to find affordable auto insurance with bad credit.

Cheapest Car Insurance Companies in Pennsylvania for Seniors

There are plenty of options for cheap car insurance for seniors in Pennsylvania. Senior drivers who have a clean driving record can find good deals based on their experience and knowledge on the road. However, as we age, we face new physical, visual and mental challenges. According to NHTSA, drivers over the age of 65 are responsible for 15.9% of the state's deadly crashes.

Pennsylvania begins retesting adults over the age of 45 to ensure their ability to drive safely. Drivers are randomly chosen prior to their driver’s license renewal and are required to undergo a vision and physical examination. Depending on the results, a driver’s examination and knowledge test may also be required.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Pennsylvania for the cheapest car insurance for seniors.
$1,054
per year
2. State Farm
In 2020, State Farm ranked #2 in Pennsylvania for the cheapest car insurance for seniors.
$1,318
per year
3. GEICO
In 2020, GEICO ranked #3 in Pennsylvania for the cheapest car insurance for seniors.
$1,396
per year
4. Erie
In 2020, Erie ranked #4 in Pennsylvania for the cheapest car insurance for seniors.
$1,408
per year
5. Nationwide
In 2020, Nationwide ranked #5 in Pennsylvania for the cheapest car insurance for seniors.
$1,733
per year
6. Travelers
In 2020, Travelers ranked #6 in Pennsylvania for the cheapest car insurance for seniors.
$1,743
per year
7. Allstate
In 2020, Allstate ranked #7 in Pennsylvania for the cheapest car insurance for seniors.
$1,913
per year
8. Esurance
In 2020, Esurance ranked #8 in Pennsylvania for the cheapest car insurance for seniors.
$2,441
per year
9. MetLife
In 2020, MetLife ranked #9 in Pennsylvania for the cheapest car insurance for seniors.
$2,536
per year
10. Progressive
In 2020, Progressive ranked #10 in Pennsylvania for the cheapest car insurance for seniors.
$2,584
per year

When looking for the best rates, consider taking a driver’s education course. Under Pennsylvania state law, drivers 55 and older are eligible to receive a 5% discount on their vehicle insurance by completing the Mature Driver Improvement Course. Make sure your insurance company knows you have completed the course to ensure you get the discount.

Cheapest Car Insurance for Students

Pennsylvania Car Insurance: How Much a Teen Driver Will Cost You

Median annual price change for families with a teen driver on their policy:

$1,940 INCREASE

This is a difference of 139%.

Auto insurance companies value experience and a history of safe driving. For teenagers, this takes time to build and maintain. That’s why insurance rates are higher for young drivers. However, there are ways to find the cheapest car insurance for students.

In Pennsylvania, teens must complete 65 hours of supervised practice driving after getting their learner’s permit and before they obtain a standard license. While it’s not state law, many insurance companies require teenagers to be added to coverage when they get their permit. Because teenagers are also required to have the same minimum liability insurance, the Pennsylvania Insurance Department suggests putting them on a less expensive used family car. It will be cheaper than a new car.

When students go off to college, update your insurance company with changes. If they will not be driving or will have their own vehicle, this changes your policy. The following table showcases estimates on what parents can expect to pay when covering a young driver in Pennsylvania.

Company
Amount
1. Allstate
In 2020, Allstate ranked #1 in Pennsylvania for the cheapest car insurance for students.
$3,637
per year
2. State Farm
In 2020, State Farm ranked #2 in Pennsylvania for the cheapest car insurance for students.
$3,873
per year
3. Progressive
In 2020, Progressive ranked #3 in Pennsylvania for the cheapest car insurance for students.
$4,328
per year
4. GEICO
In 2020, GEICO ranked #4 in Pennsylvania for the cheapest car insurance for students.
$4,542
per year
5. Nationwide
In 2020, Nationwide ranked #5 in Pennsylvania for the cheapest car insurance for students.
$4,749
per year

Premium comparison for two adults + A 16-year-old

car
Average premium for two 2014

Mustang GTs

$4,850
car
Average premium for two 2008

Town and Country Limiteds

$3,213
Anual benefits of minivans:$1,637 saved

This is 34% less expensive.

Cheaper premium for college vs. high school drivers

Median premium change with a college student vs. high school driver:

$600 DECREASE

This is a savings of 18%.

Potential discounts for teens in Pennsylvania

Impact on annual premium with good student and defensive driving discounts:

coins
$241 SAVED

Pennsylvania students: a long-distance discount

You may pay a smaller annual family premium if your child lives 150 miles or more away from home.

male
Average premium for a 19-year-old male
car

$3,279 at home

graduation

$3,008 at school

$271 IN SAVINGS

female
Average premium for a 19-year-old female
car

$3,279 at home

graduation

$3,008 at school

$271 IN SAVINGS

Insurance Rate Information for Military Drivers and Veterans

For the 2,500 active-duty military personnel and 800,000 veterans in Pennsylvania, there are discounts available with auto insurance plans. Major insurance companies offer a discount to stay competitive with one another. Military-focused insurance companies work only with armed forces personnel, and some insurance companies cater just to veterans.

The Pennsylvania Insurance Department offers tips on buying car insurance as well as the state's requirements for minimum coverage. A service member can maintain Pennsylvania vehicle registration or switch it over to the state where they're stationed. If registered in Pennsylvania, the annual renewal in most cases can be completed online. All the forms you need are here.

Age savings for Pennsylvania service members

male
25 years$1,418
50 years$1,133
female
25 years$1,418
50 years$1,133

$285 Saved
$285 Saved

Median auto insurance for service members: $1,074

Who Needs Car Insurance in Pennsylvania?

All vehicle owners must have and provide proof of auto liability coverage to register a car or truck for legal road use in Pennsylvania. You must carry proof with you on the road with your insurance ID card, copy of the policy or image of your insurance card on your smartphone.

Minimum Liability Insurance Requirements in Pennsylvania

Drivers in Pennsylvania have two choices for auto insurance: full tort or limited tort. Limited tort, also known as no-fault insurance, essentially pays up no matter who is at fault for an accident. However, it also limits your rights to sue another driver for pain and suffering (except in catastrophic injuries). With full-tort insurance, you maintain your right to sue, but your premiums will be higher.

You'll still have to buy liability coverage to cover the cost of injuries or damages in an accident. These are the state minimums:

Bodily Injury:

  • $15,000 in liability coverage per person
  • $30,000 liability coverage total per accident

Property Damage:

  • $5,000 in liability coverage per accident for property damage

Medical Benefits:

  • $5,000 in medical payments coverage

Uninsured and underinsured motorist insurance is not required in Pennsylvania but is offered by all insurers. You must decline in writing, if desired.

Alternatives to Insurance in Pennsylvania

The one alternative option available is self-insuring yourself. To do so, you need to first show proof of financial responsibility to the Department of Transportation (PennDOT) and then submit a deposit. This can come in the form of cash, a bond, a letter of credit, or an escrow deposit, and the amount required will vary.

Car insurance companies use your location to calculate your rate.
Explore average rates for your city.

Car Insurance Requirements in PA: How Much Coverage Do You Need?

What percentage of drivers in Pennsylvania lack vehicle insurance?

14.1%

National average: 13%

Source:

Insurance Information Institute.

The amount of coverage needed depends on the car you're driving and how much you can afford. If you get a new car loan or lease a vehicle, you will likely have to buy collision and comprehensive insurance to protect your car.

The minimum requirements for state liability insurance won't cover all of the damages in a catastrophic accident. The Insurance Information Institute recommends at least $100,000 liability coverage per injury and at least $300,000 per accident. If you find the right plan, you may not have to pay as much insurance for that coverage as you think.

Uninsured motorist insurance is also good to get if you can afford it. For more on what you need to protect your family, see the MoneyGeek guide to car insurance.


Auto Insurance Rates

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Expert Advice on Finding Cheap Car Insurance in Pennsylvania

  1. What are the key factors drivers in Pennsylvania should look for when searching for the best auto insurance coverage?
    • Research available auto insurance companies in your area
    • Talk to neighbors and coworkers for insurance recommendations
    • Talk to an agent and provide them with all the information you can to make sure they can provide you with the best possible quote for your needs
    • Know your state insurance requirements and assess liability
    • Find out if there are opportunities for additional discounts by combining different insurance products
    • Contact professional societies and organizations to see if they offer group discounts
  2. What steps can drivers in Pennsylvania take to find affordable car insurance?
    • Seek the help of an agent who can educate and guide you
    • Shop around. Get 3-4 different quotes.
    • Become a member of an organization if they offer cheaper auto insurance policies
  3. How do regulations and rules in Pennsylvania impact insurance pricing and how consumers might shop for coverage?

    Regulations are designed to keep citizens and drivers safe so always be aware of basic safety rules and regulations. Consumers should follow rules, regulations, and public safety directions. If one follows the rules, they can avoid additional costs or high insurance rates.


Archish Maharaja
Archish MaharajaProfessor of Business and Director of Graduate Programs at Point Park University


Sources