The Cheapest Car Insurance in Pennsylvania for 2022
To find Pennsylvania's cheapest car insurance companies, MoneyGeek compared quotes from several insurance companies. In general, GEICO offers the lowest rates in the state at roughly $516 annually. By comparing insurance policies, drivers can save an average of $1,518 per year.
Insurers base their premiums on the amount of coverage, credit score and driving history. For example, drivers with a driving under the influence (DUI) conviction or with an at-fault accident in the state can find the lowest rate from State Farm, while Erie is the best for drivers with tickets.
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The Cheapest Car Insurance in Pennsylvania
If you are looking for even more local coverage, we have also broken down the cheapest companies by city and the best car insurance companies in Pennsylvania to find the right balance between value and service.
Why Trust MoneyGeek? Pennsylvania car insurance rates in this study are based on our analysis of data and information from the Pennsylvania Department of Insurance and Quadrant Information Services.
These rates were updated in August 2022 to reflect how car insurance rates in Pennsylvania have changed up to this month.
Cheapest Minimum Liability Car Insurance in Pennsylvania
Getting liability-only insurance, which only meets the state’s minimum requirements, is the most affordable car insurance option in Pennsylvania.
On average, the most affordable minimum coverage car insurance in Pennsylvania comes from:
- GEICO: $516 per year
- Erie: $542 per year
If you or a family member are in the military, you qualify for USAA coverage, which is the cheapest option in the state at an average of $355 per year. Meanwhile, Progressive has the most expensive annual average rate at $1,029.
CHEAPEST MINIMUM CAR INSURANCE IN PENNSYLVANIA
These prices are only estimates based on rates for an average Pennsylvania driver and should not be used to compare insurance prices.
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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Cheapest Full Coverage Car Insurance in Pennsylvania
Pennsylvania drivers who have a full coverage policy with higher liability limits and comprehensive and collision insurance have the assurance that they are protected against road and off-road accidents. While this policy costs more than minimum coverage, it provides protection against if your car gets damaged after an accident. The best way to find the most affordable policy is to compare multiple quotes from various auto insurers.
Based on average rates for Pennsylvania drivers with full coverage, the cheapest car insurance companies are:
- Erie: $1,261 per year
- Travelers: $1,263per year
For military personnel, USAA has the most affordable average annual rate of $941. Progressive has an average rate of $2,458 per year for a full coverage policy, making it the most expensive option.
CHEAPEST FULL COVERAGE CAR INSURANCE IN PENNSYLVANIA
Car insurance rates depend on individualized factors, so your premium will not be the same as any of the examples provided. These rates are based on a comprehensive and collision insurance policy that allows a driver to claim up to $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident.
How to Compare Cheap Pennsylvania Car Insurance Quotes Online
Most car insurance companies in Pennsylvania provide access to reasonably accurate quotes through tools on their websites.
- Always be consistent about coverage limits. If the basis for one quote is $300,000 in bodily liability insurance per accident, then you should use that same number with all insurers.
- You can obtain quotes online through most insurance providers in Pennsylvania. Use MoneyGeek's auto insurance calculator to compare rates for an average driver. For a personalized quote, you'll need to contact insurance providers directly. You may also use the price data presented by MoneyGeek to help you figure out which company’s websites you will visit.
- The cheapest companies in Pennsylvania are USAA, GEICO and Erie. You can start your search for the best auto insurance by asking for quotes from these insurers.
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Cheapest Car Insurance in Pennsylvania for Young Drivers
Insurance providers consider young drivers riskier to insure due to their lack of experience on the road and charge them higher premiums as a result. In Pennsylvania, a 16-year-old driver's auto insurance costs an average of $4,135 per year, while a 25-year-old driver pays an average annual rate of $1,736.
Although State Farm offers the cheapest auto insurance quote for most drivers between the ages of 16 and 25, GEICO and Allstate can also be the best option for young drivers depending on their specific age.
ANNUAL CAR INSURANCE IN PENNSYLVANIA FOR YOUNG DRIVERS
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- AgeAverage CostCheapest CompanyCompany Cost
- 19$3,777State Farm$2,945
- 20$3,157State Farm$2,581
- 21$2,570State Farm$2,155
- 22$2,412State Farm$1,918
A history of safe driving and experience are valued by auto insurance companies. A teenager's ability to maintain and build upon this takes time. This is why the cost of insurance for young drivers is higher.
In Pennsylvania, the lowest rate is $3,790 for a 16-year-old driver. The most affordable rate is $1,296 for a 25-year-old driver. Fortunately, there are ways for students to find the cheapest car insurance. It is always advisable to search for as many discounts as possible for young drivers. Plus, comparing rates from multiple companies can help you save money.
Cheapest Car Insurance in Pennsylvania for Seniors
Senior drivers in Pennsylvania tend to have slightly higher car insurance rates than middle-aged drivers. Typically, senior drivers in Pennsylvania pay an average of $1,786 per year. That is $59 more than the annual average rate of $1,727 for an average adult.
On average, the cheapest car insurance companies in Pennsylvania for senior drivers with full coverage are:
- State Farm: $1,252 per year
- GEICO: $1,326 per year
For military families, USAA has the lowest average annual rate for Pennsylvania seniors at $1,001. Progressive charges around $2,454 annually, making it the most expensive insurer for seniors in Pennsylvania.
CHEAPEST CAR INSURANCE RATES FOR SENIORS
Senior drivers with a clean driving record are likely to find good deals based on their experience and knowledge of the road. As we age, however, we are confronted with new physical, mental and visual challenges.
The most affordable car insurance in Pennsylvania for seniors costs approximately $1,252, while the most expensive costs around $2,454 yearly. Comparing quotes could save you up to $1,202 per year.
Ask your insurer about discounts for safe driving or completing a driving course to save money on your premiums.
Cheapest Car Insurance for Drivers With Tickets in Pennsylvania
Even a minor driving violation, such as a ticket, can increase your car insurance rate in Pennsylvania. The average cost for drivers with a speeding ticket is $2,033 annually. That is $306 more than the average annual rate for drivers with a clean record, which is $1,727.
The cheapest average car insurance companies in Pennsylvania for a driver with a speeding ticket and full coverage are:
- Erie: $1,309 per year
- State Farm: $1,419 per year
If you or a family member are in the military, you can purchase coverage from USAA, which offers insurance for Pennsylvania drivers with tickets for just $1,048 per year on average. At an annual average of $2,510, Progressive is the most expensive insurer.
AVERAGE CAR INSURANCE RATES WITH A TICKET
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.
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 for Drivers With a DUI in Pennsylvania
DUI drivers in Pennsylvania pay an average of $3,043 per year for auto insurance. Clean-record drivers typically pay around $1,727 per year.
In Pennsylvania, the cheapest policies for people with DUIs are, on average:
- State Farm: $1,419 per year
- Allstate: $1,733 per year
USAA's average annual rate of $1,256 is probably your best bet in Pennsylvania if you have a military affiliation. GEICO is the most expensive option, at roughly $4,309 annually.
AVERAGE CAR INSURANCE RATES WITH A DUI
Driving under the influence is illegal in Pennsylvania. It can result in jail time, license suspension and fees. The costs can add up quickly.
In addition to legal and court fees, car insurance costs are likely to increase with a DUI citation. The cheapest rate for a DUI driver in Pennsylvania is $1,419, while the most expensive is $4,309. You could save $2,890 a year if you shop around and compare quotes.
Cheapest in Pennsylvania for Drivers With an At-Fault Accident
In Pennsylvania, if an insurer deems you "at fault" in an accident, your insurance premiums will rise. On average, a driver with an at-fault accident on their record pays $2,917 for their policy.
The following two companies provide the cheapest average car insurance in Pennsylvania for drivers with an at-fault accident history:
- State Farm: $1,537 per year
- Erie: $1,620 per year
While USAA offers the lowest annual average premium in the state at $1,324, their products are only available to current and previous military families. The most expensive insurer is Progressive, costing an average of $4,062 annually.
CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT
Cheapest Car Insurance in Pennsylvania for Drivers With Bad Credit
Drivers with poor credit scores in Pennsylvania have higher rates than those with good credit scores. The average annual rate for drivers with bad credit is $2,727. The average cost for drivers with good scores is $1,727 per year.
The cheapest car insurance companies in Pennsylvania for a full coverage policy if you have bad credit are, on average:
- Nationwide: $1,810 per year
- GEICO: $1,990 per year
For military members and their families, USAA's average annual rate of $1,452 is the most affordable for a Pennsylvania driver with bad credit. Progressive is the most expensive insurer and charges around $4,628 annually.
CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT
When determining your car insurance rates, companies consider how responsible you are with your finances. You will be offered a lower rate if you have a high credit score, as they believe you will have fewer claims. The opposite is true for people with low credit scores.
In Pennsylvania, bad credit drivers' rates can range from approximately $1,810 to $4,628, so comparing quotes can save you as much as $2,818.
Additionally, to lower your rates, double-check your credit report, fix any errors and then reevaluate with your insurance company.
Cheapest Car Insurance in Pennsylvania for Military Drivers
When looking for the most affordable car insurance in Pennsylvania, USAA tops the list next to GEICO. In fact, it’s around $161 cheaper. However, USAA only provides coverage to current and retired military members and their families.
- Average rate: $355 per year
- Ranks the cheapest out of nine insurers
USAA is the most affordable car insurance company in Pennsylvania. It offers policies that cost an average of $355 annually. For you to save more, qualified policyholders benefit from USAA’s broad range of available discounts. USAA provides accessible ways to lower your premiums by bundling policies, offering driver safety courses, maintaining a clean driving record and insuring many vehicles. This makes car insurance more affordable.
Cheapest Car Insurance in Pennsylvania by City
Auto insurance costs in Pennsylvania vary significantly based on your location in the state. For the average driver, Pittsburgh's full-coverage annual car insurance rate of $973 is the lowest in the state. Allentown features the most expensive average annual insurance quote at $1,054.
Click on your area for additional information on the cost of local auto insurance.
AVERAGE INSURANCE RATE BY CITY IN PENNSYLVANIA
Car Insurance in Pennsylvania: What You Need to Know
For a vehicle to be registered in Pennsylvania, the owner must provide proof of auto liability insurance.
Pennsylvania Insurance Requirements
You need to carry proof of insurance with you on the road. This includes either your insurance ID card, a digital version on a mobile device or a copy of your policy.
In Pennsylvania, drivers can choose between full tort and limited tort auto insurance. No-fault insurance, or limited tort, pays regardless of fault. This insurance, however, restricts your right to sue another driver for pain and suffering unless the injury is catastrophic. In full-tort insurance, your rights to sue remain. However, premiums are higher.
The state minimums for insurance in Pennsylvania for insurance include:
- Bodily Injury: $15,000 per person/$30,000 per accident
- Property Damage: $5,000
- Medical Benefits: $5,000
One alternative to traditional insurance is to self-insure. Your first step is to show proof of financial responsibility to the Department of Transportation, followed by a deposit. A bond, a letter of credit, cash or an escrow deposit can be used to satisfy this requirement, and the amount required may vary.
To determine the amount of coverage needed, you should take into account the type of car you drive and your financial situation. A new car loan or lease will probably require you to purchase collision and comprehensive insurance.
While a minimum coverage policy is the cheapest option for car insurance, catastrophic accidents may not be covered by the state's minimum liability insurance requirements. Liability coverage of $100,000 for bodily injury and $300,000 for property damage is recommended by the Insurance Information Institute. An uninsured motorist insurance policy is also a good investment if you can afford it.
FAQs About Car Insurance in Pennsylvania
For many Pennsylvania drivers, the main concerns when it comes to auto insurance are the cost of premiums and the level of coverage.
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.
- What are the key factors drivers in Pennsylvania should look for when searching for the best auto insurance coverage?
- What steps can drivers in Pennsylvania take to find affordable car insurance?
- How do regulations and rules in Pennsylvania impact insurance pricing and how consumers might shop for coverage?
Professor of Business and Director of Graduate Programs at Point Park University
Assistant Professor of the F. W. Hirt Erie Insurance Risk Management Program at Mercyhurst University
Lecturer in Business and Finance at Penn State Behrend
Managing Partner at Wright Associates Investment Advisers
About the Author
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- National Association of Insurance Commissioners. "2018 Market Share Reports." Accessed March 17, 2020.
- National Highway Traffic Safety Administration. "2015 Motor Vehicle Crashes: Overview." Accessed March 17, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 17, 2020.
- PennDOT Driver & Vehicle Services. "Vehicle Self Insurance." Accessed March 17, 2020.
- Pennsylvania Insurance Department. "Auto Insurance." Accessed March 18, 2020.
- U.S. Department of Veterans Affairs. "Pennsylvania." Accessed March 17, 2020.