Cheapest Car Insurance in Pennsylvania (2024)


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Westfield is the cheapest car insurance company in Pennsylvania for minimum coverage. MoneyGeek also found that Nationwide and Travelers have the most affordable rates in Pennsylvania for certain types of drivers.

If you want a balance of cost and quality service, you can explore the best car insurance companies in Pennsylvania.

Why Trust MoneyGeek? We collected Pennsylvania car insurance rates from the Pennsylvania Insurance Department and Quadrant Information Services. We analyzed quotes to identify the cheapest car insurance providers.

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These rates reflect the cheapest car insurance quotes in Pennsylvania as of 2024.

49,001Quotes Analyzed
 
13Companies Compared
 
62ZIP Codes

Cheapest Minimum Liability Car Insurance in Pennsylvania

On average, the cheapest auto insurance companies for minimum coverage in Pennsylvania are:

  • Westfield: $228 per year
  • Auto-Owners Insurance Co: $305 per year

Dairyland is the most expensive provider if you need a minimum coverage policy in Pennsylvania, at an average of $944 per year.

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

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
Westfield$228$19
Auto-Owners Insurance Co$305$25
Travelers$315$26
Chubb$356$30
Erie$376$31
American National P&C$398$33
State Farm$433$36
GEICO$436$36
Nationwide$478$40
Progressive$563$47
Allstate$666$56
Dairyland$944$79

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 car, you need comprehensive and collision insurance, also known as a full coverage policy.

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Find the Best Car Insurance in Pennsylvania for You

 

Your car insurance premiums will vary depending on your preferences and coverage requirements. The table above indicates the cheapest rates for minimum coverage car insurance in Pennsylvania.

Learn more about how much car insurance you need.

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MoneyGeek also analyzed the best auto insurance companies in Pennsylvania to identify providers with the best balance of cost and service quality.

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MoneyGeek compared average car insurance costs in Pennsylvania for different backgrounds to determine average rates for different driver profiles.

Cheapest Full Coverage Car Insurance in Pennsylvania

These companies offer the cheapest full coverage car insurance in Pennsylvania:

  • Travelers: $736 per year
  • Auto-Owners Insurance Co: $748 per year

Dairyland has the most expensive full coverage policy in Pennsylvania at an average of $3,016 per year.

Adding comprehensive and collision insurance to your policy will increase your premiums, but it will protect you during on- and off-road incidents. Travelers' full coverage policy costs $421 more than its minimum coverage policy.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Travelers$736$61
Auto-Owners Insurance Co$748$62
Nationwide$896$75
Erie$987$82
American National P&C$1,032$86
Allstate$1,216$101
Westfield$1,235$103
State Farm$1,241$103
Chubb$1,354$113
GEICO$1,449$121
Progressive$2,121$177
Dairyland$3,016$251

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 at-fault 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.

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Rates updated:

Dec 06, 2024

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Cheapest Car Insurance in Pennsylvania by Age

Age is one of the most significant factors affecting car insurance rates in Pennsylvania. Nationwide and Travelers offer the cheapest options on average, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: Travelers
Cheapest for young adults: Travelers

Cheapest Car Insurance in Pennsylvania for Teens and Their Families

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 provider for teens in Pennsylvania, with an average annual cost of $4,040 for both male and female teens.

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

These rates are for teens on their parent’s policy. Teens pay more if they get their own individual policy, and they cannot legally purchase a policy if they are under 18 without a parent or guardian as a co-signer. The average annual cost of car insurance for a male teen purchasing an individual policy in Pennsylvania is $4,415 vs. $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.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
Nationwide$1,183$2,989
Travelers$1,632$2,989
Auto-Owners Insurance Co$1,749$3,997
Allstate$2,110$6,020
State Farm$2,364$3,070
GEICO$3,670$4,402
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 because of their higher accident frequency. This rate difference is not as notable when drivers reach their 20s and beyond.

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

Cheapest Car Insurance in Pennsylvania for Young Adults

the most affordable car insurance companies for young adults in Pennsylvania are:

  • Travelers: $786 per year
  • Auto-Owners: $877 per year

Dairyland has the most expensive full coverage for young adults, at around $3,747 annually.

As they are considered higher risk, car insurance costs for drivers in their 20s are typically higher than rates for middle-aged drivers. On average, a full coverage policy for drivers in their 20s costs up to $307 more than for middle-aged drivers.

Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
Travelers$786$65
Auto-Owners Insurance Co$877$73
Nationwide$1,099$92
American National P&C$1,224$102
Erie$1,234$103
State Farm$1,457$121
Allstate$1,477$123
Westfield$1,630$136
GEICO$1,737$145
Chubb$1,804$150
Progressive$2,705$225
Dairyland$3,747$312

Cheapest Car Insurance in Pennsylvania for Seniors

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

  • Travelers: $668 per year
  • Auto-Owners: $711 per year

Dairyland is the most expensive company for seniors, costing an average of $2,646 per year.

Seniors pay $127 less per year for full coverage car insurance compared with the rates paid by middle-aged drivers. However, car insurance costs tend to increase once drivers reach their 70s and 80s as their risk factors for accidents rise.

Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
Travelers$668$56
Auto-Owners Insurance Co$711$59
Nationwide$787$66
American National P&C$977$81
Erie$1,008$84
Allstate$1,034$86
Chubb$1,087$91
Westfield$1,114$93
State Farm$1,132$94
GEICO$1,335$111
Progressive$2,004$167
Dairyland$2,646$221

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

Cheapest Car Insurance for Higher Risk Drivers

Auto-Owners offers the cheapest auto insurance for drivers with a ticket and poor credit. Travelers is the most affordable provider for those with an at-fault accident, a DUI record and a sports car.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Auto-Owners Insurance Co ($787 per year)
Cheapest after an accident: Travelers ($946 per year)
Cheapest after a DUI: Travelers ($1,027 per year)
Cheapest for poor credit: Auto-Owners Insurance Co ($1,172 per year)
Cheapest for sports cars: Travelers ($648 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:

  • Auto-Owners: $787 per year
  • Travelers: $880 per year

Dairyland has the most expensive rate for drivers with tickets, at approximately $3,788 per year.

On average, Pennsylvania drivers with tickets pay up to $291 more for car insurance than those with a clean record.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Auto-Owners Insurance Co$787$66
Travelers$880$73
Erie$1,118$93
Allstate$1,178$98
Nationwide$1,329$111
Westfield$1,351$113
State Farm$1,401$117
American National P&C$1,424$119
GEICO$2,011$168
Progressive$2,108$176
Chubb$2,152$179
Dairyland$3,788$316

Cheapest Car Insurance in Pennsylvania After an Accident

The cheapest car insurance companies after an at-fault accident are:

  • Travelers: $946 per year
  • Auto-Owners: $1,084 per year

Dairyland has the most expensive car insurance rate after an at-fault accident, at roughly $4,148 per year.

On average, car insurance rates in Pennsylvania increase by up to $551 per year after an at-fault accident.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Travelers$946$79
Auto-Owners Insurance Co$1,084$90
Westfield$1,235$103
Erie$1,398$117
American National P&C$1,424$119
State Farm$1,519$127
Nationwide$1,525$127
Allstate$1,579$132
Chubb$2,152$179
GEICO$2,324$194
Progressive$3,305$275
Dairyland$4,148$346

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: $1,027 per year
  • Allstate: $1,178 per year

Westfield is the most expensive option for car insurance after a DUI, at approximately $4,492 per year.

Drivers with a DUI in Pennsylvania pay an average of $910 more per year for car insurance than those with a clean record.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Travelers$1,027$86
Allstate$1,178$98
State Farm$1,401$117
American National P&C$1,597$133
Erie$1,680$140
Auto-Owners Insurance Co$1,946$162
Nationwide$2,291$191
GEICO$2,456$205
Progressive$2,560$213
Dairyland$3,071$256
Chubb$3,256$271
Westfield$4,492$374

Cheapest Car Insurance in Pennsylvania for Drivers With Poor Credit

The cheapest companies for drivers with poor credit (below 580) in Pennsylvania are:

  • Auto-Owners: $1,172 per year
  • Nationwide: $1,217 per year

Dairyland is the most expensive option for drivers with poor credit at approximately $3,970 per year.

On average, Pennsylvania drivers with poor credit pay up to $949 more per year for car insurance than those with good credit (a credit score above 750).

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Auto-Owners Insurance Co$1,172$98
Nationwide$1,217$101
American National P&C$1,642$137
Travelers$1,890$157
Allstate$2,008$167
Chubb$2,152$179
Westfield$2,225$185
Erie$2,255$188
GEICO$2,472$206
State Farm$2,823$235
Progressive$3,594$300
Dairyland$3,970$331

A poor credit score raises car insurance rates because drivers with poor credit are more likely to file claims. Although using credit history to determine insurance pricing 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

The cheapest car insurance companies in Pennsylvania for drivers with a sports car are:

  • Travelers: $648 per year
  • Auto-Owners Insurance Co: $815 per year

Dairyland is the most expensive insurer if you have a sports car, with an average cost of $3,044 per year.

On average, it costs up to $242 more to insure a sports car in Pennsylvania. This is because sports cars tend to have higher replacement and repair costs, which increases the insurer's risk.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Travelers$648$54
Auto-Owners Insurance Co$815$68
Nationwide$1,066$89
Allstate$1,198$100
GEICO$1,300$108
State Farm$1,559$130
Chubb$1,634$136
Progressive$2,938$245
Dairyland$3,044$254

MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model. Sports, electric and luxury cars are generally more expensive to insure; otherwise, the model may not be a significant factor. However, this may not be true for all states.

Cheapest Car Insurance in Pennsylvania for Military Drivers

Travelers is the cheapest auto insurance company in Pennsylvania for active-duty military members or veterans, with an average annual cost of $736.

USAA is also a solid option for military members. It costs an average of $1,004 per year and tailors its coverage to suit the military. It is available in all states.

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MoneyGeek Top Pick
Travelers

Annual premium: $736

Travelers does not offer a military discount, but it is still the cheapest option in Pennsylvania.

Cheapest Car Insurance in Pennsylvania by City

The cost of car insurance can vary widely depending on where you live in Pennsylvania. Insurance companies consider it risky to insure and charge higher rates those who live in areas with high incidents of theft, vandalism or accidents.

In Pittsburgh, Travelers offers the cheapest full coverage car insurance rates at an average of $758 per year. Travelers is also the most affordable option in Philadelphia. However, rates are significantly higher at an average of $1,481 per year since insurers consider the area a much higher risk.

You can check the table below to compare car insurance rates by city.

AllentownAuto-Owners Insurance Co$797
PhiladelphiaTravelers$1,481
PittsburghTravelers$758

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 are also required to carry medical benefits coverage, which 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. A state minimum policy is cheaper but might 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 exceed this limit, you must pay them out of pocket.

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    Medical Benefits

    In Pennsylvania, the law requires drivers to have $5,000 in medical benefits coverage. This coverage pays for 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 or leasing your vehicle, 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 Transportation.

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

FAQ: Car Insurance in Pennsylvania

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

Which company offers the cheapest car insurance in Pennsylvania?

Should you buy the cheapest car insurance available in Pennsylvania?

Is uninsured/underinsured motorist (UM/UIM) coverage required in Pennsylvania?

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About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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