Cheapest Car Insurance in Pennsylvania 2026

Travelers leads Pennsylvania full coverage at $68 per month. Westfield Insurance, a regional insurer, is cheapest for minimum coverage at $20 per month. Nationwide leads after an at-fault accident and for bad credit. Erie Insurance, which operates in select states and doesn't appear on most national comparison tools, is cheapest for teen drivers. Nationwide also leads for seniors. Full and minimum coverage are led by different providers, and the right carrier depends entirely on your driver profile.

How to Choose: These rankings are based on the average Pennsylvania driver. Age, violations, credit, and whether you choose limited or full tort can all shift the recommendation. Pennsylvania's limited tort vs. full tort choice is the most consequential coverage decision in the state. It affects your legal rights after an accident, not just your premium. Limited tort costs less but restricts your right to sue for pain and suffering unless injuries meet a serious injury threshold. Click the row in the driver profile table that best matches your situation: coverage type, teens and young adults, or high-risk drivers. Our Travelers review and Erie Insurance review cover what each carrier offers beyond price.

Minimum Coverage

Westfield Insurance, a regional insurer, is cheapest for minimum coverage at $20 per month. Erie Insurance is second at $29 per month. Pennsylvania's minimum coverage requires $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage, plus $5,000 in First Party Benefits (FPB) for your own medical costs regardless of fault. Minimum coverage pays nothing for damage to your own vehicle, so it only makes sense for drivers with low-value cars who can self-insure.

Full Coverage

Travelers leads full coverage at $68 per month, well under Pennsylvania's state average of $123 per month. Nationwide is second at $77 per month. Travelers also carries the second-highest MoneyGeek score (our measure of service quality and coverage depth) of the five providers at 4.83/5, behind only Erie Insurance's 4.85/5. Pennsylvania's flooding risk along the Susquehanna River basin and Nor'easter exposure make comprehensive coverage more valuable here than in many inland states.

How to Choose

Many drivers finance their car purchases and will thus be required to buy a full coverage policy. But if you own your car outright, you should choose between full coverage or minimum based on your vehicle's value and whether you can self-insure.

The gap between Travelers' full and minimum coverage is $38 per month ($456 per year). If your vehicle is worth less than $5,000 and you have a $1,000 deductible, a few years worth of insurance expenses may cost more than you'd actually get back in a claim. Use our car insurance calculator for Pennsylvania and our guide on when to drop collision and comprehensive to find your number. MoneyGeek's guide to how much car insurance you need also has a detailed framework.

The cheapest car insurance in Pennsylvania for young drivers alternates depending on your exact age, showing our car insurance companies' internal rate calculations make certain providers good fits for specific families. Erie Insurance, which operates in Pennsylvania and other select states, is cheapest for 16, 17, 21 and 22 year old drivers, which Travelers is cheapest for those aged 18-20 or 23-35. 

Unlike many other states, Pennsylvania does not allow gender-based pricing, so the cost of car insurance for a male and female are exactly the same. Age, on the other hand, is a very important factor, as it is in most states. A family with a 16-year-old driver will pay an average of $315 per month for Erie Insurance in Pennsylvania and as little as $132 per month for a 25-year-old with Travelers. The cost of car insurance drops steeply after drivers garner a few years experience and gets progressively cheaper over time.

Nationwide is the cheapest option for senior drivers in Pennsylvania at $83 per month. Travelers is second at $86 per month, just $3 per month apart. If you quote from these insurers and get a very small rate difference, it may be worth deciding your provider based on which is the best in Pennsylvania rather than which saves you a few dollars per month. MoneyGeek found that all three of Erie, Travelers and Nationwide score well on customer experience. Erie receives our top MoneyGeek score for most drivers, but it does charge seniors more than its competitors.

The rates for the cheapest car insurance in major Pennsylvania cities generally range from $60 to $80 to month, though Philadelphia is a major outlier at $126 per month for a full coverage policy with Travelers. Philadelphia's elevated rates reflect the city's high vehicle theft rate, concentrated traffic, elevated uninsured driver population, and higher average repair costs relative to the rest of the state.

The data shows that the cheapest insurer in the state can vary a lot depending on your location, so those who move within Pennsylvania should definitely considering shopping for a new insurance policy. Donegal Insurance, Travelers, Erie Insurance and Nationwide are all the cheapest option in 2 or more of the state's 10 most populous cities.

Drivers in Pennsylvania who have a violation on their record should look into Travelers or Nationwide for the cheapest options on average, but their cheapest may depend on which type of violation they've committed. Nationwide is cheapest after an at-fault accident at $77 per month, and it's also the cheapest for those with a poor credit score at $140 per month. Travelers leads after a speeding ticket at $82 per month and after a DUI at $94 per month. Travelers' texting while driving rate matches its clean-record rate of $68 per month, with no increase for that violation type. Those who commit severe violations may look into SR-22 car insurance requirements in Pennsylvania and might want to dig into our analysis of the cheapest car insurance after a DUI in Pennsylvania.

MoneyGeek analyzed rates from Quadrant Information Services across all residential ZIP codes in Pennsylvania. The analysis covers 11 car insurance companies for minimum and full coverage comparisons and violation profiles.

• Baseline driver profile: 40-year-old male, clean driving record, good credit, $100,000 per person/$300,000 per accident/$100,000 property damage full coverage, $1,000 deductible. All rates on this page reflect this profile unless the section specifies otherwise.
• Young drivers: Ages 16 through 25 on a family policy. We show rates split by gender but Pennsylvania does not use gender as a rating factor.
• Seniors: 65-year-old driver, same vehicle and coverage as the baseline.
• Violations: Baseline profile with one driving record variable changed; all other variables held constant.
• Poor credit: Baseline profile with credit tier changed to poor. Pennsylvania permits credit as a rating factor.
• Coverage tier: Full coverage reflects $100,000/$300,000/$100,000 liability limits with a $1,000 deductible. Minimum coverage reflects Pennsylvania's required minimums: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage, plus $5,000 First Party Benefits (75 Pa.C.S. § 1711).
• USAA: Excluded from provider tables; available only to military, veterans, and immediate family. Eligible drivers should include USAA in any quote comparison.
• State-specific notes: Pennsylvania is a choice no-fault state. Drivers default to full tort policies if they don't opt in to a limited tort policy, so full tort policies have been used in this analysis. First Party Benefits (FPB) of at least $5,000 are required on all policies. Pennsylvania also uses SR-22 for financial responsibility filings (not FR-44).

See our full rate methodology.