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Cheapest Car Insurance Companies and Quotes in Pennsylvania

MoneyGeek ranked the cheapest car insurance in Pennsylvania based on annual premiums for the state’s average driver with a comprehensive and collision policy. Finding the most affordable car insurance in Pennsylvania requires comparing personalized quotes from various carriers.

Average Comprehensive and Collision Rates in Pennsylvania

These prices are typical costs for the average Pennsylvania driver. Each individual and situation is unique and insurance is not a one-size-fits-all system. Car insurance companies also use different criteria to set rates, so while one company may be the cheapest for you, it might be more expensive for your neighbor. Your individual factors include age, gender, driving record, location and the type of car you drive. Take the time to compare car insurance quotes to get the best rates.

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Cheapest Liability Car Insurance in Pennsylvania

Liability-only insurance can be an option for some drivers. If you are at fault in an accident, this coverage takes care of vehicle damage and medical expenses for the other driver. This does not cover your vehicle or medical costs. So, it can make sense to opt for comprehensive and collision coverage if you are still making payments on your car. Most states impose a mandatory minimum liability requirement and you can purchase higher levels of coverage to protect yourself in case of an accident. In Pennsylvania, GEICO is the most affordable option for most drivers seeking the mandated state minimum coverage. For 50/100/50 coverage, the cheapest option on average is Erie.

Average Cost for Liability Coverage

The Best Car Insurance Companies in Pennsylvania for 2021

MoneyGeek considered a combination of factors, such as affordability, customer satisfaction, claims experience and financial strength, to find the best car insurance in Pennsylvania.

To calculate the final scores out of 100, MoneyGeek looked into J.D. Power’s U.S Auto Insurance Study and AM Best's financial strength ratings, as well as pricing data and industry standards for insurance company rating and review.

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

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

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.

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What Is the Average Cost of Car Insurance in Pennsylvania?

MoneyGeek calculated annual premium rates in Pennsylvania based on the cost for comprehensive and collision coverage for the average driver, a 40-year-old male driving a Toyota Camry with no record of accidents or speeding tickets. Various factors, such as age, driving history, coverage level and location, affect the actual cost and may make your car insurance premium higher or lower than the state averages.

  • Average Driver: $1,818
  • DUI: $3,204
  • Speeding Ticket: $2,141
  • Poor Credit Score: $3,301
  • Seniors: $1,881
  • Students: $4,374

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. In Pennsylvania, 1.8% of adults admitted to driving after drinking too much within the past 30 days in a survey by the Centers for Disease Control and Prevention (CDC). 3,697 people in Pennsylvania were killed in alcohol-related crashes between 2009 and 2018.

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.

Average Car Insurance Rates With a DUI

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 With Tickets in Pennsylvania

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.

Average Car Insurance Rates With a Ticket

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 Pennsylvania 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 they cannot use your credit score to affect renewals. According to Experian, 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.

Average Car Insurance Rates for Drivers With Bad Credit

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.

Average Car Insurance Rates for Seniors

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 in Pennsylvania

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.

Average Car Insurance Rates for Students

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.

Average Rates for Pennsylvania service members

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

Car Insurance in Pennsylvania: What You Need to Know

All vehicle owners must provide proof of auto liability coverage to register a car or truck for legal road use in Pennsylvania. You need to carry proof with you on the road: either your insurance ID card, a digital version on a mobile device or a copy of your policy.

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, pays up no matter who causes an accident. However, it also limits your rights to sue another driver for pain and suffering (except for catastrophic injuries). With full-tort insurance, you maintain your right to sue, but your premiums will be higher.

Either way, you'll 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 per person
  • $30,000 per accident

Property Damage:

  • $5,000

Medical Benefits:

  • $5,000

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. To do so, you need to first show proof of financial responsibility to the Department of Transportation and then submit a deposit. This can be in the form of cash, a bond, a letter of credit or an escrow deposit and the amount required will vary.

How Much Coverage Do You Need in Pennsylvania?

The coverage amount 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 state’s minimum requirements for 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 $300,000 per accident. Uninsured motorist insurance is also a smart purchase if you can afford it.

Car insurance companies use your location to calculate your rate.
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Expert Advice on Finding Cheap Car Insurance in Pennsylvania

To help you find trustworthy and accurate insight on car insurance in Pennsylvania, MoneyGeek gathered expert advice from established professionals. The views and sentiments 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?
    • 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

    Drivers should look to purchase as much liability protection as they can afford. They should also purchase uninsured and underinsured liability coverage with identical limits. This protects drivers who are not at fault in an accident where the at-fault driver does not have insurance. For collision and comprehensive coverages, the age, make, and model of the vehicle will vary as some autos are easier to repair than others. How many miles the vehicle is driven each year will also affect rates – the more miles, the higher the premiums.

  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

    Obtain quotes, drive affordable vehicles, maintain a safe driving record – obey traffic rules of the road, speed limits, etc. Drivers with issues on their record, speeding, disobeying traffic controls, etc., will pay more for auto insurance.

  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.

    In Pennsylvania, drivers may choose to purchase “full-tort” or “limited tort” liability coverage. Limited tort is less expensive. However, it also changes what happens to a bodily injury claim should the driver be hurt and not at fault in an accident. The injured driver(s) would only be able to recover their medical bills, paid by their insurance policy. They would not be permitted to also seek general damages such as pain and suffering from the at-fault driver unless they exceed certain severe injury thresholds. Limited tort costs are lower than full tort liability coverage. Driver(s) with full tort will be permitted to pursue general damages compensation in an accident regardless of the severity of their injuries.


Archish Maharaja
Archish MaharajaProfessor of Business and Director of Graduate Programs at Point Park University
Gary Sullivan
Gary SullivanAssistant Professor of the F. W. Hirt Erie Insurance Risk Management Program at Mercyhurst University

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About the Author


expert-profile

Danielle Kiser is a freelance writer, storyteller, and news junkie. She is passionate about informing and inspiring audiences to improve their lives and their communities. As a former TV news producer, she focuses on sharing relevant and factual stories that stimulate personal growth and knowledge. Danielle lives in Michigan with her husband as well as her sidekick, a greyhound named Oreo.


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