The Cheapest Car Insurance in Pennsylvania (February 2023)

Westfield offers the cheapest minimum coverage car insurance in Pennsylvania based on quotes for February 2023. The cheapest option for you can vary depending on your driver profile, record and coverage level.

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Westfield is the cheapest car insurance company in Pennsylvania for minimum coverage. Nationwide is the most affordable insurer for full coverage, teens, seniors, drivers with poor credit and military families. Travelers offers the lowest rates to young drivers and sports car drivers.

If you are looking for a balance of cost and quality service, you can look up the best car insurance companies in Pennsylvania.

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2023

Cheapest Car Insurance Pennsylvania (February 2023)

Cheapest Minimum Liability Car Insurance in Pennsylvania (February 2023)

On average, MoneyGeek’s analysis found that the cheapest auto insurance companies for minimum coverage in Pennsylvania are:

  • Westfield: $267 per year
  • Travelers: $272 per year

Dairyland is the most expensive provider if you need a minimum coverage policy in Pennsylvania at $951 per year on average.

A minimum coverage policy in Pennsylvania only covers bodily injury liability, property damage liability and medical benefits.

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $261
    $22
  • Westfield
    $264
    $22
  • Westfield
    $267
    $22
  • Travelers
    $272
    $23
  • Travelers
    $275
    $23
  • State Farm
    $280
    $23
  • Travelers
    $286
    $24
  • American National P&C
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Nationwide
    $293
    $24
  • Erie
    $296
    $25
  • Erie
    $301
    $25
  • Chubb
    $302
    $25
  • American National P&C
    $310
    $26
  • Nationwide
    $321
    $27
  • American National P&C
    $329
    $27
  • State Farm
    $331
    $28
  • Auto-Owners Insurance Co
    $331
    $28
  • Westfield
    $350
    $29
  • Erie
    $367
    $31
  • Chubb
    $376
    $31
  • Nationwide
    $397
    $33
  • Progressive
    $464
    $39
  • Progressive
    $467
    $39
  • GEICO
    $483
    $40
  • GEICO
    $492
    $41
  • Allstate
    $492
    $41
  • Nationwide
    $509
    $42
  • Chubb
    $530
    $44
  • Progressive
    $536
    $45
  • Allstate
    $540
    $45
  • Travelers
    $570
    $48
  • Nationwide
    $580
    $48
  • GEICO
    $591
    $49
  • Travelers
    $631
    $53
  • Allstate
    $653
    $54
  • Travelers
    $672
    $56
  • Auto-Owners Insurance Co
    $673
    $56
  • American National P&C
    $699
    $58
  • Nationwide
    $708
    $59
  • Auto-Owners Insurance Co
    $709
    $59
  • State Farm
    $728
    $61
  • American National P&C
    $737
    $61
  • Erie
    $768
    $64
  • Erie
    $785
    $65
  • State Farm
    $798
    $66
  • Westfield
    $812
    $68
  • Auto-Owners Insurance Co
    $833
    $69
  • Dairyland
    $858
    $72
  • American National P&C
    $872
    $73
  • Allstate
    $887
    $74
  • Westfield
    $890
    $74
  • State Farm
    $937
    $78
  • Dairyland
    $951
    $79
  • Erie
    $961
    $80
  • Chubb
    $1,005
    $84
  • Allstate
    $1,053
    $88
  • Dairyland
    $1,131
    $94
  • Westfield
    $1,172
    $98
  • Chubb
    $1,252
    $104
  • Allstate
    $1,272
    $106
  • GEICO
    $1,533
    $128
  • Progressive
    $1,601
    $133
  • GEICO
    $1,666
    $139
  • Chubb
    $1,677
    $140
  • Progressive
    $1,692
    $141
  • GEICO
    $1,997
    $166
  • Dairyland
    $2,051
    $171
  • Progressive
    $2,160
    $180
  • Dairyland
    $2,345
    $195
  • Dairyland
    $2,912
    $243

Minimum coverage car insurance only covers damage or injuries that you cause others or their property. This means that damage to your car will not be covered. To cover the cost of damages to your own car, you need comprehensive and collision insurance, also known as a full coverage policy.

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Cheapest Full Coverage Car Insurance in Pennsylvania (February 2023)

On average, MoneyGeek’s analysis found that the cheapest full coverage car insurance in Pennsylvania is offered by:

  • Nationwide: $580 per year
  • Travelers: $631 per year

The most expensive full coverage policy in Pennsylvania is Dairyland, at an average of $2,345 per year.

Adding comprehensive and collision insurance to your policy will increase your premiums. For example, a minimum coverage policy from Nationwide costs around $321 yearly, but you could pay approximately $259 more to get a full coverage policy from the same insurer.

A full coverage policy will protect you during on-road and off-road incidents.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $261
    $22
  • Westfield
    $264
    $22
  • Westfield
    $267
    $22
  • Travelers
    $272
    $23
  • Travelers
    $275
    $23
  • State Farm
    $280
    $23
  • Travelers
    $286
    $24
  • American National P&C
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Nationwide
    $293
    $24
  • Erie
    $296
    $25
  • Erie
    $301
    $25
  • Chubb
    $302
    $25
  • American National P&C
    $310
    $26
  • Nationwide
    $321
    $27
  • American National P&C
    $329
    $27
  • State Farm
    $331
    $28
  • Auto-Owners Insurance Co
    $331
    $28
  • Westfield
    $350
    $29
  • Erie
    $367
    $31
  • Chubb
    $376
    $31
  • Nationwide
    $397
    $33
  • Progressive
    $464
    $39
  • Progressive
    $467
    $39
  • GEICO
    $483
    $40
  • GEICO
    $492
    $41
  • Allstate
    $492
    $41
  • Nationwide
    $509
    $42
  • Chubb
    $530
    $44
  • Progressive
    $536
    $45
  • Allstate
    $540
    $45
  • Travelers
    $570
    $48
  • Nationwide
    $580
    $48
  • GEICO
    $591
    $49
  • Travelers
    $631
    $53
  • Allstate
    $653
    $54
  • Travelers
    $672
    $56
  • Auto-Owners Insurance Co
    $673
    $56
  • American National P&C
    $699
    $58
  • Nationwide
    $708
    $59
  • Auto-Owners Insurance Co
    $709
    $59
  • State Farm
    $728
    $61
  • American National P&C
    $737
    $61
  • Erie
    $768
    $64
  • Erie
    $785
    $65
  • State Farm
    $798
    $66
  • Westfield
    $812
    $68
  • Auto-Owners Insurance Co
    $833
    $69
  • Dairyland
    $858
    $72
  • American National P&C
    $872
    $73
  • Allstate
    $887
    $74
  • Westfield
    $890
    $74
  • State Farm
    $937
    $78
  • Dairyland
    $951
    $79
  • Erie
    $961
    $80
  • Chubb
    $1,005
    $84
  • Allstate
    $1,053
    $88
  • Dairyland
    $1,131
    $94
  • Westfield
    $1,172
    $98
  • Chubb
    $1,252
    $104
  • Allstate
    $1,272
    $106
  • GEICO
    $1,533
    $128
  • Progressive
    $1,601
    $133
  • GEICO
    $1,666
    $139
  • Chubb
    $1,677
    $140
  • Progressive
    $1,692
    $141
  • GEICO
    $1,997
    $166
  • Dairyland
    $2,051
    $171
  • Progressive
    $2,160
    $180
  • Dairyland
    $2,345
    $195
  • Dairyland
    $2,912
    $243

The premium you pay for your policy will largely depend on how much car insurance you need. For this analysis, MoneyGeek used a full coverage policy with the following limits:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

You can save on costs by opting for lower liability limits, dropping comprehensive and collision insurance or raising your deductible. However, this may leave you with insufficient coverage during an accident.

How to Compare Cheap Pennsylvania Car Insurance Quotes Online

Most insurers offer car insurance quotes online, but the process can take up to 15 minutes and requires you to submit personal information. You also have to compare quotes across different websites if you are looking to find the cheapest rates, which takes even longer.

MoneyGeek’s car insurance calculator allows you to get a quick car insurance estimate without requiring specific personal information. This gives you a good starting point for your research by helping you get estimates quickly by comparing rates from different insurers to find the cheapest rates for your profile.

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Cheapest Car Insurance in Pennsylvania for Teens and Their Families (February 2023)

According to MoneyGeek’s analysis, the cheapest car insurance companies in Pennsylvania for teens on their parent’s policy are, on average:

  • Nationwide: $1,183 per year for both male and female teens
  • Travelers: $1,632 per year for both male and female teens

Progressive is the most expensive car insurance for teens in Pennsylvania, at an average of $4,040 per year for both male and female teens.

The teens' car insurance rates become cheaper as they grow older, making premiums for 19-year-olds the most affordable. Nationwide ($978) provides the cheapest car insurance rate for 19-year-old male drivers in Pennsylvania.

These rates are for teens on their parent’s policy. Teens pay more if they get their own individual policy. The average cost of car insurance for a male teen purchasing an individual policy in Pennsylvania is $4,415 versus $2,393 if they are added to a parent’s policy. This means being included in a parent’s policy is cheaper by up to $2,022 yearly.

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Horizontal swipe icon
  • Company
    Family Plan Annual Premium
    Individual Plan Annual Premium
  • Nationwide
    $592
    $1,119
  • Nationwide
    $592
    $1,119
  • Travelers
    $618
    $751
  • Travelers
    $618
    $751
  • Nationwide
    $670
    $820
  • Nationwide
    $670
    $820
  • Travelers
    $686
    $834
  • Travelers
    $686
    $834
  • Travelers
    $722
    $878
  • Travelers
    $722
    $878
  • Travelers
    $747
    $1,054
  • Travelers
    $747
    $1,054
  • Nationwide
    $766
    $938
  • Nationwide
    $766
    $938
  • Travelers
    $785
    $954
  • Travelers
    $785
    $954
  • Nationwide
    $805
    $985
  • Nationwide
    $805
    $985
  • Auto-Owners Insurance Co
    $809
    $910
  • Auto-Owners Insurance Co
    $809
    $910
  • Auto-Owners Insurance Co
    $823
    $1,325
  • Auto-Owners Insurance Co
    $823
    $1,325
  • Nationwide
    $840
    $1,591
  • Nationwide
    $840
    $1,591
  • Nationwide
    $857
    $1,049
  • Nationwide
    $857
    $1,049
  • Auto-Owners Insurance Co
    $938
    $1,055
  • Auto-Owners Insurance Co
    $938
    $1,055
  • State Farm
    $954
    $950
  • State Farm
    $954
    $950
  • Travelers
    $957
    $1,351
  • Travelers
    $957
    $1,351
  • Nationwide
    $978
    $1,851
  • Nationwide
    $978
    $1,851
  • Nationwide
    $995
    $2,514
  • Nationwide
    $995
    $2,514
  • Travelers
    $1,028
    $1,883
  • Travelers
    $1,028
    $1,883
  • Auto-Owners Insurance Co
    $1,056
    $1,187
  • Auto-Owners Insurance Co
    $1,056
    $1,187
  • Allstate
    $1,076
    $3,068
  • Allstate
    $1,076
    $3,068
  • Travelers
    $1,078
    $1,522
  • Travelers
    $1,078
    $1,522
  • Auto-Owners Insurance Co
    $1,113
    $1,252
  • Auto-Owners Insurance Co
    $1,113
    $1,252
  • Allstate
    $1,114
    $1,550
  • Allstate
    $1,114
    $1,550
  • Nationwide
    $1,136
    $2,871
  • Nationwide
    $1,136
    $2,871
  • State Farm
    $1,151
    $1,145
  • State Farm
    $1,151
    $1,145
  • Nationwide
    $1,183
    $2,989
  • Nationwide
    $1,183
    $2,989
  • Allstate
    $1,209
    $1,164
  • Allstate
    $1,209
    $1,164
  • Auto-Owners Insurance Co
    $1,232
    $2,814
  • Auto-Owners Insurance Co
    $1,232
    $2,814
  • State Farm
    $1,254
    $1,248
  • State Farm
    $1,254
    $1,248
  • Allstate
    $1,274
    $1,227
  • Allstate
    $1,274
    $1,227
  • Auto-Owners Insurance Co
    $1,278
    $2,056
  • Auto-Owners Insurance Co
    $1,278
    $2,056
  • Travelers
    $1,282
    $2,347
  • Travelers
    $1,282
    $2,347
  • Auto-Owners Insurance Co
    $1,316
    $3,006
  • Auto-Owners Insurance Co
    $1,316
    $3,006
  • Allstate
    $1,331
    $1,283
  • Allstate
    $1,331
    $1,283
  • State Farm
    $1,333
    $1,539
  • State Farm
    $1,333
    $1,539
  • Allstate
    $1,344
    $1,873
  • Allstate
    $1,344
    $1,873
  • Auto-Owners Insurance Co
    $1,348
    $2,168
  • Auto-Owners Insurance Co
    $1,348
    $2,168
  • Allstate
    $1,398
    $1,346
  • Allstate
    $1,398
    $1,346
  • State Farm
    $1,404
    $1,397
  • State Farm
    $1,404
    $1,397
  • Allstate
    $1,535
    $4,379
  • Allstate
    $1,535
    $4,379
  • Allstate
    $1,575
    $2,197
  • Allstate
    $1,575
    $2,197
  • State Farm
    $1,604
    $1,851
  • State Farm
    $1,604
    $1,851
  • Travelers
    $1,632
    $2,989
  • Travelers
    $1,632
    $2,989
  • Auto-Owners Insurance Co
    $1,749
    $3,997
  • Auto-Owners Insurance Co
    $1,749
    $3,997
  • State Farm
    $1,811
    $2,090
  • State Farm
    $1,811
    $2,090
  • State Farm
    $1,837
    $2,385
  • State Farm
    $1,837
    $2,385
  • Progressive
    $1,951
    $1,993
  • Progressive
    $1,951
    $1,993
  • State Farm
    $2,078
    $2,699
  • State Farm
    $2,078
    $2,699
  • Allstate
    $2,110
    $6,020
  • Allstate
    $2,110
    $6,020
  • GEICO
    $2,134
    $1,792
  • GEICO
    $2,134
    $1,792
  • GEICO
    $2,205
    $1,852
  • GEICO
    $2,205
    $1,852
  • GEICO
    $2,294
    $2,153
  • GEICO
    $2,294
    $2,153
  • Progressive
    $2,319
    $2,369
  • Progressive
    $2,319
    $2,369
  • GEICO
    $2,321
    $1,949
  • GEICO
    $2,321
    $1,949
  • State Farm
    $2,364
    $3,070
  • State Farm
    $2,364
    $3,070
  • GEICO
    $2,420
    $2,033
  • GEICO
    $2,420
    $2,033
  • Progressive
    $2,480
    $3,462
  • Progressive
    $2,480
    $3,462
  • GEICO
    $2,511
    $2,356
  • GEICO
    $2,511
    $2,356
  • Progressive
    $2,537
    $2,592
  • Progressive
    $2,537
    $2,592
  • GEICO
    $2,543
    $3,049
  • GEICO
    $2,543
    $3,049
  • GEICO
    $2,694
    $2,528
  • GEICO
    $2,694
    $2,528
  • Progressive
    $2,756
    $3,847
  • Progressive
    $2,756
    $3,847
  • GEICO
    $2,865
    $3,436
  • GEICO
    $2,865
    $3,436
  • Progressive
    $2,943
    $3,006
  • Progressive
    $2,943
    $3,006
  • Progressive
    $3,071
    $4,286
  • Progressive
    $3,071
    $4,286
  • Progressive
    $3,121
    $5,747
  • Progressive
    $3,121
    $5,747
  • GEICO
    $3,670
    $4,402
  • GEICO
    $3,670
    $4,402
  • Progressive
    $3,713
    $6,839
  • Progressive
    $3,713
    $6,839
  • Progressive
    $4,040
    $7,442
  • Progressive
    $4,040
    $7,442
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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families with teen drivers may be eligible for certain student discounts. Allstate, Auto-Owners Insurance Co, Progressive, State Farm and Travelers all offer good student and distant student discounts. GEICO and Nationwide only offer good student discounts.

Cheapest Car Insurance in Pennsylvania for Young Adults (February 2023)

MoneyGeek analyzed the most affordable car insurance companies for young adults in Pennsylvania and found that the cheapest average providers are:

  • Travelers: $672 per year
  • Nationwide: $708 per year

Dairyland is the most expensive option for drivers in their 20s at an average of $2,912 per year.

Car insurance costs for drivers in their 20s are typically higher than rates for middle-aged drivers. Travelers’ full coverage policy costs up to $41 more for drivers in their 20s compared with the cost for middle-aged drivers.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $261
    $22
  • Westfield
    $264
    $22
  • Westfield
    $267
    $22
  • Travelers
    $272
    $23
  • Travelers
    $275
    $23
  • State Farm
    $280
    $23
  • Travelers
    $286
    $24
  • American National P&C
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Nationwide
    $293
    $24
  • Erie
    $296
    $25
  • Erie
    $301
    $25
  • Chubb
    $302
    $25
  • American National P&C
    $310
    $26
  • Nationwide
    $321
    $27
  • American National P&C
    $329
    $27
  • State Farm
    $331
    $28
  • Auto-Owners Insurance Co
    $331
    $28
  • Westfield
    $350
    $29
  • Erie
    $367
    $31
  • Chubb
    $376
    $31
  • Nationwide
    $397
    $33
  • Progressive
    $464
    $39
  • Progressive
    $467
    $39
  • GEICO
    $483
    $40
  • GEICO
    $492
    $41
  • Allstate
    $492
    $41
  • Nationwide
    $509
    $42
  • Chubb
    $530
    $44
  • Progressive
    $536
    $45
  • Allstate
    $540
    $45
  • Travelers
    $570
    $48
  • Nationwide
    $580
    $48
  • GEICO
    $591
    $49
  • Travelers
    $631
    $53
  • Allstate
    $653
    $54
  • Travelers
    $672
    $56
  • Auto-Owners Insurance Co
    $673
    $56
  • American National P&C
    $699
    $58
  • Nationwide
    $708
    $59
  • Auto-Owners Insurance Co
    $709
    $59
  • State Farm
    $728
    $61
  • American National P&C
    $737
    $61
  • Erie
    $768
    $64
  • Erie
    $785
    $65
  • State Farm
    $798
    $66
  • Westfield
    $812
    $68
  • Auto-Owners Insurance Co
    $833
    $69
  • Dairyland
    $858
    $72
  • American National P&C
    $872
    $73
  • Allstate
    $887
    $74
  • Westfield
    $890
    $74
  • State Farm
    $937
    $78
  • Dairyland
    $951
    $79
  • Erie
    $961
    $80
  • Chubb
    $1,005
    $84
  • Allstate
    $1,053
    $88
  • Dairyland
    $1,131
    $94
  • Westfield
    $1,172
    $98
  • Chubb
    $1,252
    $104
  • Allstate
    $1,272
    $106
  • GEICO
    $1,533
    $128
  • Progressive
    $1,601
    $133
  • GEICO
    $1,666
    $139
  • Chubb
    $1,677
    $140
  • Progressive
    $1,692
    $141
  • GEICO
    $1,997
    $166
  • Dairyland
    $2,051
    $171
  • Progressive
    $2,160
    $180
  • Dairyland
    $2,345
    $195
  • Dairyland
    $2,912
    $243

Cheapest Car Insurance in Pennsylvania for Seniors (February 2023)

On average, the cheapest car insurance companies in Pennsylvania for senior drivers are:

  • Nationwide: $509 per year
  • Travelers: $570 per year

Dairyland is the most expensive company for seniors, at an average cost of $2,051 per year.

Nationwide charges seniors lower rates by up to $71 per year for full coverage car insurance compared with rates for middle-aged drivers. However, once drivers reach their 70s and 80s, car insurance costs tend to increase.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $261
    $22
  • Westfield
    $264
    $22
  • Westfield
    $267
    $22
  • Travelers
    $272
    $23
  • Travelers
    $275
    $23
  • State Farm
    $280
    $23
  • Travelers
    $286
    $24
  • American National P&C
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Nationwide
    $293
    $24
  • Erie
    $296
    $25
  • Erie
    $301
    $25
  • Chubb
    $302
    $25
  • American National P&C
    $310
    $26
  • Nationwide
    $321
    $27
  • American National P&C
    $329
    $27
  • State Farm
    $331
    $28
  • Auto-Owners Insurance Co
    $331
    $28
  • Westfield
    $350
    $29
  • Erie
    $367
    $31
  • Chubb
    $376
    $31
  • Nationwide
    $397
    $33
  • Progressive
    $464
    $39
  • Progressive
    $467
    $39
  • GEICO
    $483
    $40
  • GEICO
    $492
    $41
  • Allstate
    $492
    $41
  • Nationwide
    $509
    $42
  • Chubb
    $530
    $44
  • Progressive
    $536
    $45
  • Allstate
    $540
    $45
  • Travelers
    $570
    $48
  • Nationwide
    $580
    $48
  • GEICO
    $591
    $49
  • Travelers
    $631
    $53
  • Allstate
    $653
    $54
  • Travelers
    $672
    $56
  • Auto-Owners Insurance Co
    $673
    $56
  • American National P&C
    $699
    $58
  • Nationwide
    $708
    $59
  • Auto-Owners Insurance Co
    $709
    $59
  • State Farm
    $728
    $61
  • American National P&C
    $737
    $61
  • Erie
    $768
    $64
  • Erie
    $785
    $65
  • State Farm
    $798
    $66
  • Westfield
    $812
    $68
  • Auto-Owners Insurance Co
    $833
    $69
  • Dairyland
    $858
    $72
  • American National P&C
    $872
    $73
  • Allstate
    $887
    $74
  • Westfield
    $890
    $74
  • State Farm
    $937
    $78
  • Dairyland
    $951
    $79
  • Erie
    $961
    $80
  • Chubb
    $1,005
    $84
  • Allstate
    $1,053
    $88
  • Dairyland
    $1,131
    $94
  • Westfield
    $1,172
    $98
  • Chubb
    $1,252
    $104
  • Allstate
    $1,272
    $106
  • GEICO
    $1,533
    $128
  • Progressive
    $1,601
    $133
  • GEICO
    $1,666
    $139
  • Chubb
    $1,677
    $140
  • Progressive
    $1,692
    $141
  • GEICO
    $1,997
    $166
  • Dairyland
    $2,051
    $171
  • Progressive
    $2,160
    $180
  • Dairyland
    $2,345
    $195
  • Dairyland
    $2,912
    $243

Seniors can save on their car insurance premiums by taking advantage of seniors’ discounts that are available with some insurers. Allstate and GEICO both offer senior driver discounts to help older drivers reduce their premiums.

Cheapest Car Insurance in Pennsylvania After a Ticket, Accident or DUI (February 2023)

Car insurance rates typically increase after a driving violation. The cheapest car insurance in Pennsylvania after a ticket is Auto-Owners Insurance Co. For drivers with an at-fault accident or a DUI record, Travelers is the cheapest option.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: Auto-Owners Insurance Co ($747 per year)
Cheapest after an accident: Travelers ($811 per year)
Cheapest after a DUI: Travelers ($882 per year)

Cheapest Car Insurance in Pennsylvania After a Ticket

If you have a speeding ticket in Pennsylvania, the cheapest companies for car insurance are, on average:

  • Auto-Owners Insurance Co: $747 per year
  • Travelers: $755 per year

Dairyland has the most expensive rates for drivers with tickets, at approximately $2,937 per year.

On average, Pennsylvania drivers with tickets pay up to $245 more for car insurance.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Westfield
    $289
    $24
  • Westfield
    $292
    $24
  • State Farm
    $296
    $25
  • Auto-Owners Insurance Co
    $308
    $26
  • Auto-Owners Insurance Co
    $308
    $26
  • State Farm
    $323
    $27
  • Travelers
    $325
    $27
  • Travelers
    $327
    $27
  • Erie
    $334
    $28
  • Travelers
    $340
    $28
  • Erie
    $342
    $29
  • Auto-Owners Insurance Co
    $349
    $29
  • State Farm
    $377
    $31
  • Westfield
    $384
    $32
  • Erie
    $418
    $35
  • American National P&C
    $422
    $35
  • Nationwide
    $440
    $37
  • American National P&C
    $449
    $37
  • Progressive
    $466
    $39
  • Progressive
    $467
    $39
  • American National P&C
    $475
    $40
  • Nationwide
    $481
    $40
  • Chubb
    $482
    $40
  • Allstate
    $492
    $41
  • Allstate
    $519
    $43
  • Progressive
    $536
    $45
  • Nationwide
    $563
    $47
  • Chubb
    $598
    $50
  • Allstate
    $653
    $54
  • GEICO
    $680
    $57
  • GEICO
    $693
    $58
  • Auto-Owners Insurance Co
    $710
    $59
  • Travelers
    $714
    $60
  • Auto-Owners Insurance Co
    $747
    $62
  • Travelers
    $755
    $63
  • GEICO
    $757
    $63
  • Nationwide
    $762
    $63
  • State Farm
    $815
    $68
  • Travelers
    $842
    $70
  • Chubb
    $842
    $70
  • Nationwide
    $860
    $72
  • Erie
    $869
    $72
  • Auto-Owners Insurance Co
    $877
    $73
  • Allstate
    $887
    $74
  • Erie
    $889
    $74
  • Westfield
    $889
    $74
  • State Farm
    $901
    $75
  • Westfield
    $974
    $81
  • American National P&C
    $978
    $82
  • Nationwide
    $996
    $83
  • American National P&C
    $1,019
    $85
  • Allstate
    $1,020
    $85
  • State Farm
    $1,049
    $87
  • Erie
    $1,089
    $91
  • Dairyland
    $1,206
    $100
  • American National P&C
    $1,212
    $101
  • Dairyland
    $1,216
    $101
  • Allstate
    $1,272
    $106
  • Westfield
    $1,282
    $107
  • Dairyland
    $1,320
    $110
  • Chubb
    $1,599
    $133
  • Progressive
    $1,601
    $133
  • Progressive
    $1,682
    $140
  • Chubb
    $1,990
    $166
  • Progressive
    $2,160
    $180
  • GEICO
    $2,203
    $184
  • GEICO
    $2,305
    $192
  • GEICO
    $2,605
    $217
  • Chubb
    $2,666
    $222
  • Dairyland
    $2,811
    $234
  • Dairyland
    $2,937
    $245
  • Dairyland
    $3,392
    $283

Cheapest Car Insurance in Pennsylvania After an Accident

MoneyGeek’s analysis found that the cheapest car insurance companies after an at-fault accident are, on average:

  • Travelers: $811 per year
  • Westfield: $890 per year

Dairyland has the most expensive car insurance rates after an at-fault accident, at roughly $3,209 per year.

On average, car insurance rates in Pennsylvania increase by up to $463 per year after an at-fault accident.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Westfield
    $264
    $22
  • Westfield
    $267
    $22
  • State Farm
    $326
    $27
  • Westfield
    $350
    $29
  • Travelers
    $351
    $29
  • State Farm
    $355
    $30
  • Travelers
    $357
    $30
  • Travelers
    $371
    $31
  • State Farm
    $414
    $34
  • American National P&C
    $422
    $35
  • Erie
    $433
    $36
  • Erie
    $446
    $37
  • American National P&C
    $449
    $37
  • Auto-Owners Insurance Co
    $461
    $38
  • Auto-Owners Insurance Co
    $461
    $38
  • American National P&C
    $475
    $40
  • Chubb
    $482
    $40
  • Nationwide
    $511
    $43
  • Auto-Owners Insurance Co
    $523
    $44
  • Erie
    $543
    $45
  • Nationwide
    $554
    $46
  • Chubb
    $598
    $50
  • Allstate
    $636
    $53
  • Nationwide
    $639
    $53
  • Allstate
    $667
    $56
  • Progressive
    $690
    $57
  • Progressive
    $739
    $62
  • Progressive
    $771
    $64
  • Travelers
    $772
    $64
  • GEICO
    $801
    $67
  • GEICO
    $805
    $67
  • Travelers
    $811
    $68
  • Westfield
    $812
    $68
  • Allstate
    $830
    $69
  • Chubb
    $842
    $70
  • GEICO
    $875
    $73
  • Nationwide
    $882
    $74
  • State Farm
    $884
    $74
  • Westfield
    $890
    $74
  • Travelers
    $906
    $76
  • State Farm
    $977
    $81
  • American National P&C
    $978
    $82
  • Auto-Owners Insurance Co
    $984
    $82
  • Nationwide
    $986
    $82
  • American National P&C
    $1,019
    $85
  • Auto-Owners Insurance Co
    $1,030
    $86
  • Erie
    $1,089
    $91
  • Erie
    $1,120
    $93
  • Nationwide
    $1,132
    $94
  • State Farm
    $1,138
    $95
  • Westfield
    $1,172
    $98
  • Allstate
    $1,187
    $99
  • Auto-Owners Insurance Co
    $1,204
    $100
  • American National P&C
    $1,212
    $101
  • Dairyland
    $1,339
    $112
  • Erie
    $1,365
    $114
  • Allstate
    $1,366
    $114
  • Dairyland
    $1,392
    $116
  • Dairyland
    $1,431
    $119
  • Chubb
    $1,599
    $133
  • Allstate
    $1,693
    $141
  • Chubb
    $1,990
    $166
  • GEICO
    $2,528
    $211
  • Progressive
    $2,641
    $220
  • GEICO
    $2,664
    $222
  • Chubb
    $2,666
    $222
  • Progressive
    $2,749
    $229
  • GEICO
    $2,974
    $248
  • Progressive
    $3,183
    $265
  • Dairyland
    $3,209
    $267
  • Dairyland
    $3,234
    $269
  • Dairyland
    $3,635
    $303

Cheapest Car Insurance in Pennsylvania After a DUI

On average, the most affordable auto insurance companies for drivers with a DUI in Pennsylvania are:

  • Travelers: $882 per year
  • State Farm: $901 per year

Westfield is the most expensive option for car insurance with a DUI, at approximately $3,434 per year.

Drivers with a DUI in Pennsylvania pay an average of $764 more for car insurance compared with rates for those with a clean record.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $296
    $25
  • State Farm
    $323
    $27
  • Travelers
    $372
    $31
  • Travelers
    $375
    $31
  • State Farm
    $377
    $31
  • Travelers
    $391
    $33
  • American National P&C
    $478
    $40
  • Allstate
    $492
    $41
  • American National P&C
    $507
    $42
  • Progressive
    $518
    $43
  • Allstate
    $519
    $43
  • Erie
    $534
    $44
  • American National P&C
    $538
    $45
  • Progressive
    $550
    $46
  • Erie
    $550
    $46
  • Progressive
    $590
    $49
  • Allstate
    $653
    $54
  • Erie
    $668
    $56
  • Chubb
    $728
    $61
  • Nationwide
    $785
    $65
  • State Farm
    $815
    $68
  • Travelers
    $828
    $69
  • Nationwide
    $837
    $70
  • Auto-Owners Insurance Co
    $851
    $71
  • Auto-Owners Insurance Co
    $851
    $71
  • Dairyland
    $869
    $72
  • Travelers
    $882
    $73
  • Allstate
    $887
    $74
  • GEICO
    $890
    $74
  • State Farm
    $901
    $75
  • Chubb
    $904
    $75
  • Nationwide
    $937
    $78
  • Auto-Owners Insurance Co
    $963
    $80
  • Dairyland
    $965
    $80
  • Travelers
    $982
    $82
  • GEICO
    $995
    $83
  • GEICO
    $1,012
    $84
  • Allstate
    $1,020
    $85
  • State Farm
    $1,049
    $87
  • American National P&C
    $1,101
    $92
  • American National P&C
    $1,143
    $95
  • Dairyland
    $1,147
    $96
  • Allstate
    $1,272
    $106
  • Chubb
    $1,274
    $106
  • Erie
    $1,311
    $109
  • Erie
    $1,351
    $113
  • Nationwide
    $1,358
    $113
  • American National P&C
    $1,358
    $113
  • Westfield
    $1,372
    $114
  • Westfield
    $1,374
    $115
  • Westfield
    $1,457
    $121
  • Nationwide
    $1,481
    $123
  • Erie
    $1,641
    $137
  • Nationwide
    $1,652
    $138
  • Auto-Owners Insurance Co
    $1,777
    $148
  • Auto-Owners Insurance Co
    $1,849
    $154
  • Progressive
    $2,043
    $170
  • Dairyland
    $2,094
    $175
  • Progressive
    $2,108
    $176
  • Auto-Owners Insurance Co
    $2,154
    $179
  • Dairyland
    $2,396
    $200
  • Chubb
    $2,418
    $202
  • Progressive
    $2,533
    $211
  • GEICO
    $2,815
    $235
  • GEICO
    $2,950
    $246
  • Dairyland
    $2,976
    $248
  • Chubb
    $3,010
    $251
  • GEICO
    $3,210
    $267
  • Westfield
    $3,358
    $280
  • Westfield
    $3,434
    $286
  • Westfield
    $3,717
    $310
  • Chubb
    $4,033
    $336

Cheapest Car Insurance in Pennsylvania for Drivers With Poor Credit (February 2023)

On average, MoneyGeek’s analysis found that the cheapest companies for drivers with poor credit (below 580) in Pennsylvania are:

  • Nationwide: $791 per year
  • Auto-Owners Insurance Co: $1,112 per year

Dairyland is the most expensive option for drivers with poor credit, at approximately $3,117 per year.

On average, Pennsylvania drivers with poor credit pay up to $776 more per year for car insurance compared with those with good credit (above 750).

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Nationwide
    $942
    $78
  • Auto-Owners Insurance Co
    $1,306
    $109
  • American National P&C
    $1,388
    $116
  • Travelers
    $1,815
    $151
  • State Farm
    $2,109
    $176
  • Westfield
    $2,117
    $176
  • Allstate
    $2,170
    $181
  • Erie
    $2,210
    $184
  • Chubb
    $2,666
    $222
  • GEICO
    $3,398
    $283
  • Progressive
    $3,674
    $306
  • Dairyland
    $3,861
    $322
  • Auto-Owners Insurance Co
    $519
    $43
  • American National P&C
    $522
    $44
  • Nationwide
    $526
    $44
  • Westfield
    $683
    $57
  • Travelers
    $731
    $61
  • State Farm
    $751
    $63
  • Erie
    $831
    $69
  • Chubb
    $842
    $70
  • Progressive
    $861
    $72
  • GEICO
    $976
    $81
  • Allstate
    $1,160
    $97
  • Dairyland
    $1,485
    $124
  • Nationwide
    $791
    $66
  • Auto-Owners Insurance Co
    $1,112
    $93
  • American National P&C
    $1,172
    $98
  • Westfield
    $1,615
    $135
  • Travelers
    $1,637
    $136
  • Allstate
    $1,734
    $145
  • Erie
    $1,763
    $147
  • State Farm
    $1,817
    $151
  • Chubb
    $1,990
    $166
  • GEICO
    $2,823
    $235
  • Progressive
    $2,861
    $238
  • Dairyland
    $3,117
    $260
  • Nationwide
    $441
    $37
  • Auto-Owners Insurance Co
    $458
    $38
  • American National P&C
    $464
    $39
  • Westfield
    $524
    $44
  • Chubb
    $598
    $50
  • State Farm
    $644
    $54
  • Erie
    $665
    $55
  • Travelers
    $699
    $58
  • Progressive
    $758
    $63
  • GEICO
    $839
    $70
  • Allstate
    $918
    $76
  • Dairyland
    $1,254
    $104
  • Nationwide
    $680
    $57
  • Auto-Owners Insurance Co
    $1,057
    $88
  • American National P&C
    $1,110
    $93
  • Westfield
    $1,482
    $124
  • Allstate
    $1,514
    $126
  • Travelers
    $1,520
    $127
  • Chubb
    $1,599
    $133
  • State Farm
    $1,637
    $136
  • Erie
    $1,807
    $151
  • GEICO
    $2,632
    $219
  • Dairyland
    $2,711
    $226
  • Progressive
    $2,725
    $227
  • Nationwide
    $394
    $33
  • Auto-Owners Insurance Co
    $458
    $38
  • Chubb
    $482
    $40
  • American National P&C
    $495
    $41
  • Westfield
    $522
    $44
  • State Farm
    $591
    $49
  • Erie
    $682
    $57
  • Travelers
    $691
    $58
  • Progressive
    $764
    $64
  • GEICO
    $831
    $69
  • Allstate
    $870
    $73
  • Dairyland
    $1,126
    $94

A poor credit score may raise your car insurance rates because drivers with poor credit are more likely to file claims. Although this isn’t legal in all states, it is in Pennsylvania.

Improving your credit score over time will help you get better rates. In the meantime, comparing quotes and taking advantage of common discounts can help you save.

Cheapest Car Insurance in Pennsylvania for Sports Cars (February 2023)

On average, MoneyGeek’s analysis found that the cheapest car insurance companies in Pennsylvania for drivers with a sports car are:

  • Travelers: $554 per year
  • Nationwide: $681 per year

Dairyland is the most expensive insurer if you have a sports car, at an average cost of $2,361 per year.

On average, it costs up to $213 more to insure a sports car in Pennsylvania. This is because sports cars tend to have higher replacement and repair costs, so the risk to the insurer is higher.

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Horizontal swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $261
    $22
  • Westfield
    $264
    $22
  • Westfield
    $267
    $22
  • Travelers
    $272
    $23
  • Travelers
    $275
    $23
  • State Farm
    $280
    $23
  • Travelers
    $286
    $24
  • American National P&C
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Auto-Owners Insurance Co
    $292
    $24
  • Nationwide
    $293
    $24
  • Erie
    $296
    $25
  • Erie
    $301
    $25
  • Chubb
    $302
    $25
  • American National P&C
    $310
    $26
  • Nationwide
    $321
    $27
  • American National P&C
    $329
    $27
  • State Farm
    $331
    $28
  • Auto-Owners Insurance Co
    $331
    $28
  • Westfield
    $350
    $29
  • Erie
    $367
    $31
  • Chubb
    $376
    $31
  • Nationwide
    $397
    $33
  • Progressive
    $464
    $39
  • Progressive
    $467
    $39
  • GEICO
    $483
    $40
  • GEICO
    $492
    $41
  • Allstate
    $492
    $41
  • Travelers
    $514
    $43
  • Chubb
    $530
    $44
  • Progressive
    $536
    $45
  • Allstate
    $540
    $45
  • Travelers
    $554
    $46
  • Nationwide
    $583
    $49
  • GEICO
    $591
    $49
  • Travelers
    $618
    $51
  • Allstate
    $653
    $54
  • Nationwide
    $681
    $57
  • Auto-Owners Insurance Co
    $734
    $61
  • Auto-Owners Insurance Co
    $773
    $64
  • Nationwide
    $821
    $68
  • Dairyland
    $858
    $72
  • Allstate
    $898
    $75
  • State Farm
    $905
    $75
  • Auto-Owners Insurance Co
    $908
    $76
  • Dairyland
    $951
    $79
  • State Farm
    $1,001
    $83
  • Allstate
    $1,054
    $88
  • Dairyland
    $1,131
    $94
  • State Farm
    $1,165
    $97
  • Chubb
    $1,205
    $100
  • Allstate
    $1,321
    $110
  • GEICO
    $1,389
    $116
  • GEICO
    $1,493
    $124
  • Chubb
    $1,499
    $125
  • GEICO
    $1,809
    $151
  • Progressive
    $1,957
    $163
  • Chubb
    $2,011
    $168
  • Dairyland
    $2,053
    $171
  • Progressive
    $2,339
    $195
  • Dairyland
    $2,361
    $197
  • Dairyland
    $2,939
    $245
  • Progressive
    $3,084
    $257

For our analysis, MoneyGeek used a Ford Mustang as its sample sports car, but costs can differ depending on your car model. Luxury vehicles, sports cars and electric vehicles are generally more costly to insure. Otherwise, the model may not be a major factor. This can also vary depending on your state.

Cheapest Car Insurance in Pennsylvania for Military Drivers (February 2023)

The cheapest auto insurance company in Pennsylvania for an active-duty military or veteran is Nationwide, at an average cost of $580 per year.

USAA is also a good option for military members and veterans at an average rate of $865 per year. USAA tailors its coverage to suit the military and is available in all states.

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MoneyGeek Top Pick
Nationwide
  • $580 per year

Nationwide does not offer military-specific discounts. However, you can take advantage of paperless discounts, bundling discounts and multiple car discounts. You may also qualify for a discount if you complete a state-approved defensive driving course. If you have safety devices installed in your vehicle, you may also be eligible for a discount on your car insurance premiums.

Cheapest Car Insurance in Pennsylvania by City

The cost of car insurance can vary widely depending on where you live in Pennsylvania. In Pittsburgh, Travelers offers the cheapest car insurance rates for full coverage at an average of $642 per year. Travelers is also the cheapest option in Philadelphia, but rates are significantly higher at an average of $1,242 per year.

Although Travelers is the cheapest option in Pittsburgh, Philadelphia and Allentown, rates for full coverage policies in these three cities differ. This is because location-specific factors, such as incidences of car theft and car accidents, can vary from city to city. These stats make some locations more expensive for car insurance.

You can click below to compare car insurance rates by city.

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  • City
    Cheapest Company
    Annual Premium
  • Allentown
    Travelers
    $676
  • Philadelphia
    Travelers
    $1,242
  • Pittsburgh
    Travelers
    $642

Car Insurance in Pennsylvania: What You Need to Know

Most states require drivers to carry bodily injury liability and property damage liability. In Pennsylvania, you will also be required to carry medical benefits coverage. This is not required in most states.

Pennsylvania Car Insurance Requirements

In Pennsylvania, drivers are only required to have minimum liability insurance with bodily injury liability, property damage liability and medical benefits coverage. Buying a state minimum policy is cheaper, but it may not offer sufficient coverage.

MoneyGeek recommends getting additional liability coverage to protect yourself against high out-of-pocket costs in case of an accident.

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    Bodily Injury Liability

    Pennsylvania law requires drivers to carry a minimum coverage of $15,000 bodily injury liability per person and $30,000 per accident. This coverage will pay for the cost of any injuries caused to others in an accident where you are found to be at fault. However, you’ll pay for any expenses beyond these limits.

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    Property Damage Liability

    Drivers in Pennsylvania need to carry a minimum of $5,000 in property damage liability per accident. This coverage pays for the cost of the damages to a third party’s property in an accident where you are found to be at fault. If the property damage expenses go above this limit, you must pay them out of pocket.

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    Medical Benefits

    In Pennsylvania, the law requires drivers to have coverage of $5,000 for medical benefits. This coverage is used to pay for the costs of medical expenses like hospital visits, surgeries and any other medical expenses that you incur after an accident.

MoneyGeek recommends getting $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident. This will pay for damages to others or their property if you cause an accident.

If you are financing your car purchase, you might be required to purchase comprehensive and collision insurance. This coverage will protect you against damage to your car resulting from both off-road incidents and on-road accidents.

If you have a high-value car, MoneyGeek recommends buying comprehensive and collision coverage, even if it is not required.

Car Insurance Alternatives in Pennsylvania

In Pennsylvania, drivers can choose to self-insure as an alternative to traditional car insurance. If you go this route, you will be required to file a proposal of self-insurance for approval, which should include an application form for self-insurance and a master self-insurance and security agreement.

When you submit a proposal to self-insure, you will be required to provide financial statements like a balance sheet and income statement as proof of your financial status. A minimum security will be required starting from $50,000 for one vehicle and $10,000 for each additional vehicle.

Security can be provided in the form of escrow deposits, U.S. currency, treasury bills, bonds or any other security approved by the Pennsylvania Department of Transport.

Drivers who don’t own a car can opt for non-owner car insurance.

FAQs About Car Insurance in Pennsylvania

When looking for car insurance, it is common to have questions about costs and quality. MoneyGeek answered some of the most common questions.

Expert Advice on Finding Cheap Car Insurance in Pennsylvania

To help you find credible and accurate insight on car insurance in Pennsylvania, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Pennsylvania should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Pennsylvania take to find affordable car insurance?
  3. How do regulations and rules in Pennsylvania impact insurance pricing and how consumers might shop for coverage?
Archish Maharaja
Archish Maharaja

Professor of Business and Director of Graduate Programs at Point Park University

Gary Sullivan
Gary Sullivan

Assistant Professor of the F. W. Hirt Erie Insurance Risk Management Program at Mercyhurst University

Phil Stuczynski, M.B.A.
Phil Stuczynski, M.B.A.

Lecturer in Business and Finance at Penn State Behrend

Shane Witt
Shane Witt

Financial Advisor

Adam Wright, CFA, CFP®
Adam Wright, CFA, CFP®

Managing Partner at Wright Associates Investment Advisers

About the Author


Mark Fitzpatrick headshot

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.


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