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Westfield is the cheapest car insurance company in Pennsylvania for minimum coverage. MoneyGeek also found that American National and Auto-Owners had the cheapest rates in Pennsylvania for certain types of 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

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Cheapest Minimum Liability Car Insurance in Pennsylvania (June 2023)

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

  • Westfield: $282 per year
  • American National: $292 per year

Allstate is the most expensive provider if you need a minimum coverage policy in Pennsylvania at $1,096 per year on average, based on the company's MoneyGeek analyzed.

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

Company
Annual Premium
Monthly Premium

Westfield

$278

$23

Westfield

$282

$23

Chubb

$287

$24

American National P&C

$292

$24

Auto-Owners Insurance Co

$308

$26

Auto-Owners Insurance Co

$308

$26

Erie

$310

$26

American National P&C

$310

$26

Erie

$316

$26

American National P&C

$329

$27

Auto-Owners Insurance Co

$349

$29

Chubb

$356

$30

Westfield

$369

$31

Erie

$385

$32

Chubb

$502

$42

State Farm

$521

$43

Travelers

$541

$45

Travelers

$548

$46

State Farm

$561

$47

GEICO

$564

$47

Travelers

$568

$47

GEICO

$573

$48

Nationwide

$613

$51

State Farm

$661

$55

Nationwide

$671

$56

GEICO

$683

$57

American National P&C

$699

$58

Auto-Owners Insurance Co

$713

$59

American National P&C

$737

$61

Auto-Owners Insurance Co

$750

$63

Erie

$817

$68

Nationwide

$831

$69

Erie

$835

$70

Dairyland

$858

$72

American National P&C

$872

$73

Auto-Owners Insurance Co

$881

$73

Westfield

$905

$75

Dairyland

$951

$79

Chubb

$953

$79

Progressive

$969

$81

Progressive

$975

$81

Westfield

$994

$83

Allstate

$999

$83

Erie

$1,022

$85

Allstate

$1,096

$91

Progressive

$1,117

$93

Dairyland

$1,131

$94

Nationwide

$1,138

$95

Travelers

$1,144

$95

Chubb

$1,186

$99

Travelers

$1,267

$106

Nationwide

$1,301

$108

Westfield

$1,310

$109

Allstate

$1,328

$111

Travelers

$1,350

$113

State Farm

$1,456

$121

Nationwide

$1,587

$132

Chubb

$1,590

$132

State Farm

$1,596

$133

GEICO

$1,732

$144

Allstate

$1,791

$149

GEICO

$1,874

$156

State Farm

$1,874

$156

Dairyland

$2,051

$171

Allstate

$2,123

$177

GEICO

$2,244

$187

Dairyland

$2,345

$195

Allstate

$2,569

$214

Dairyland

$2,912

$243

Progressive

$3,362

$280

Progressive

$3,557

$296

Progressive

$4,538

$378

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 (June 2023)

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

  • American National: $737 per year
  • Auto-Owners: $750 per year

The most expensive full coverage policy in Pennsylvania is Progressive at an average of $3,557 per year.

Adding comprehensive and collision insurance to your policy will increase your premiums. For example, a minimum coverage policy from American National costs around $292 yearly, but you could pay approximately $445 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.

Company
Annual Premium
Monthly Premium

Westfield

$278

$23

Westfield

$282

$23

Chubb

$287

$24

American National P&C

$292

$24

Auto-Owners Insurance Co

$308

$26

Auto-Owners Insurance Co

$308

$26

Erie

$310

$26

American National P&C

$310

$26

Erie

$316

$26

American National P&C

$329

$27

Auto-Owners Insurance Co

$349

$29

Chubb

$356

$30

Westfield

$369

$31

Erie

$385

$32

Chubb

$502

$42

State Farm

$521

$43

Travelers

$541

$45

Travelers

$548

$46

State Farm

$561

$47

GEICO

$564

$47

Travelers

$568

$47

GEICO

$573

$48

Nationwide

$613

$51

State Farm

$661

$55

Nationwide

$671

$56

GEICO

$683

$57

American National P&C

$699

$58

Auto-Owners Insurance Co

$713

$59

American National P&C

$737

$61

Auto-Owners Insurance Co

$750

$63

Erie

$817

$68

Nationwide

$831

$69

Erie

$835

$70

Dairyland

$858

$72

American National P&C

$872

$73

Auto-Owners Insurance Co

$881

$73

Westfield

$905

$75

Dairyland

$951

$79

Chubb

$953

$79

Progressive

$969

$81

Progressive

$975

$81

Westfield

$994

$83

Allstate

$999

$83

Erie

$1,022

$85

Allstate

$1,096

$91

Progressive

$1,117

$93

Dairyland

$1,131

$94

Nationwide

$1,138

$95

Travelers

$1,144

$95

Chubb

$1,186

$99

Travelers

$1,267

$106

Nationwide

$1,301

$108

Westfield

$1,310

$109

Allstate

$1,328

$111

Travelers

$1,350

$113

State Farm

$1,456

$121

Nationwide

$1,587

$132

Chubb

$1,590

$132

State Farm

$1,596

$133

GEICO

$1,732

$144

Allstate

$1,791

$149

GEICO

$1,874

$156

State Farm

$1,874

$156

Dairyland

$2,051

$171

Allstate

$2,123

$177

GEICO

$2,244

$187

Dairyland

$2,345

$195

Allstate

$2,569

$214

Dairyland

$2,912

$243

Progressive

$3,362

$280

Progressive

$3,557

$296

Progressive

$4,538

$378

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. 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 by Age (June 2023)

Age is one of the biggest factors affecting car insurance rates in Pennsylvania. MoneyGeek found that Nationwide and American National 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: American National
Cheapest for seniors: American National

Cheapest Car Insurance in Pennsylvania for Teens and Their Families (June 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.

Car insurance rates become cheaper as teens 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, and they cannot legally purchase a policy if they are under 18 without a parent or guardian as a co-signer. 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.

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 because of their higher accident frequency. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Families with teen drivers may be eligible for certain student discounts. Allstate, Auto-Owners, 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 (June 2023)

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

  • American National: $872 per year
  • Auto-Owners: $881 per year

Progressive is the most expensive option for drivers in their 20s at an average of $4,538 per year.

Car insurance costs for drivers in their 20s are typically higher than rates for middle-aged drivers as they are considered higher risk. American National's full coverage policy costs up to $135 more for drivers in their 20s compared with the cost for middle-aged drivers.

Company
Annual Premium
Monthly Premium

Westfield

$278

$23

Westfield

$282

$23

Chubb

$287

$24

American National P&C

$292

$24

Auto-Owners Insurance Co

$308

$26

Auto-Owners Insurance Co

$308

$26

Erie

$310

$26

American National P&C

$310

$26

Erie

$316

$26

American National P&C

$329

$27

Auto-Owners Insurance Co

$349

$29

Chubb

$356

$30

Westfield

$369

$31

Erie

$385

$32

Chubb

$502

$42

State Farm

$521

$43

Travelers

$541

$45

Travelers

$548

$46

State Farm

$561

$47

GEICO

$564

$47

Travelers

$568

$47

GEICO

$573

$48

Nationwide

$613

$51

State Farm

$661

$55

Nationwide

$671

$56

GEICO

$683

$57

American National P&C

$699

$58

Auto-Owners Insurance Co

$713

$59

American National P&C

$737

$61

Auto-Owners Insurance Co

$750

$63

Erie

$817

$68

Nationwide

$831

$69

Erie

$835

$70

Dairyland

$858

$72

American National P&C

$872

$73

Auto-Owners Insurance Co

$881

$73

Westfield

$905

$75

Dairyland

$951

$79

Chubb

$953

$79

Progressive

$969

$81

Progressive

$975

$81

Westfield

$994

$83

Allstate

$999

$83

Erie

$1,022

$85

Allstate

$1,096

$91

Progressive

$1,117

$93

Dairyland

$1,131

$94

Nationwide

$1,138

$95

Travelers

$1,144

$95

Chubb

$1,186

$99

Travelers

$1,267

$106

Nationwide

$1,301

$108

Westfield

$1,310

$109

Allstate

$1,328

$111

Travelers

$1,350

$113

State Farm

$1,456

$121

Nationwide

$1,587

$132

Chubb

$1,590

$132

State Farm

$1,596

$133

GEICO

$1,732

$144

Allstate

$1,791

$149

GEICO

$1,874

$156

State Farm

$1,874

$156

Dairyland

$2,051

$171

Allstate

$2,123

$177

GEICO

$2,244

$187

Dairyland

$2,345

$195

Allstate

$2,569

$214

Dairyland

$2,912

$243

Progressive

$3,362

$280

Progressive

$3,557

$296

Progressive

$4,538

$378

Cheapest Car Insurance in Pennsylvania for Seniors (June 2023)

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

  • American National: $699 per year
  • Auto-Owners: $713 per year

Progressive is the most expensive company for seniors, at an average cost of $3,362 per year.

American National charges seniors lower rates by up to $38 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 as their risk factors for accidents rise.

Company
Annual Premium
Monthly Premium

Westfield

$278

$23

Westfield

$282

$23

Chubb

$287

$24

American National P&C

$292

$24

Auto-Owners Insurance Co

$308

$26

Auto-Owners Insurance Co

$308

$26

Erie

$310

$26

American National P&C

$310

$26

Erie

$316

$26

American National P&C

$329

$27

Auto-Owners Insurance Co

$349

$29

Chubb

$356

$30

Westfield

$369

$31

Erie

$385

$32

Chubb

$502

$42

State Farm

$521

$43

Travelers

$541

$45

Travelers

$548

$46

State Farm

$561

$47

GEICO

$564

$47

Travelers

$568

$47

GEICO

$573

$48

Nationwide

$613

$51

State Farm

$661

$55

Nationwide

$671

$56

GEICO

$683

$57

American National P&C

$699

$58

Auto-Owners Insurance Co

$713

$59

American National P&C

$737

$61

Auto-Owners Insurance Co

$750

$63

Erie

$817

$68

Nationwide

$831

$69

Erie

$835

$70

Dairyland

$858

$72

American National P&C

$872

$73

Auto-Owners Insurance Co

$881

$73

Westfield

$905

$75

Dairyland

$951

$79

Chubb

$953

$79

Progressive

$969

$81

Progressive

$975

$81

Westfield

$994

$83

Allstate

$999

$83

Erie

$1,022

$85

Allstate

$1,096

$91

Progressive

$1,117

$93

Dairyland

$1,131

$94

Nationwide

$1,138

$95

Travelers

$1,144

$95

Chubb

$1,186

$99

Travelers

$1,267

$106

Nationwide

$1,301

$108

Westfield

$1,310

$109

Allstate

$1,328

$111

Travelers

$1,350

$113

State Farm

$1,456

$121

Nationwide

$1,587

$132

Chubb

$1,590

$132

State Farm

$1,596

$133

GEICO

$1,732

$144

Allstate

$1,791

$149

GEICO

$1,874

$156

State Farm

$1,874

$156

Dairyland

$2,051

$171

Allstate

$2,123

$177

GEICO

$2,244

$187

Dairyland

$2,345

$195

Allstate

$2,569

$214

Dairyland

$2,912

$243

Progressive

$3,362

$280

Progressive

$3,557

$296

Progressive

$4,538

$378

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 for Higher Risk Drivers (June 2023)

Car insurance rates typically increase after a driving violation. Auto-Owners, Westfield and American National offer the cheapest auto insurance for drivers with a ticket, an at-fault accident or a DUI record, respectively.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Auto-Owners ($790 per year)
Cheapest after an accident: Westfield ($994 per year)
Cheapest after a DUI: American National ($1,143 per year)
Cheapest for poor credit: American National ($1,172 per year)
Cheapest for sports cars: Auto-Owners ($818 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: $790 per year
  • Erie: $925 per year

Progressive has the most expensive rates for drivers with tickets, at approximately $3,535 per year.

On average, Pennsylvania drivers with tickets pay up to $295 more for car insurance.

Company
Annual Premium
Monthly Premium

Westfield

$305

$25

Westfield

$308

$26

Auto-Owners Insurance Co

$324

$27

Auto-Owners Insurance Co

$324

$27

Erie

$351

$29

Erie

$360

$30

Auto-Owners Insurance Co

$368

$31

Westfield

$404

$34

American National P&C

$422

$35

Erie

$440

$37

American National P&C

$449

$37

Chubb

$456

$38

American National P&C

$475

$40

Chubb

$567

$47

State Farm

$593

$49

State Farm

$646

$54

Travelers

$647

$54

Travelers

$651

$54

Travelers

$677

$56

Auto-Owners Insurance Co

$750

$63

State Farm

$753

$63

Auto-Owners Insurance Co

$790

$66

GEICO

$794

$66

Chubb

$798

$67

GEICO

$808

$67

GEICO

$877

$73

Nationwide

$921

$77

Erie

$925

$77

Auto-Owners Insurance Co

$928

$77

Erie

$946

$79

Progressive

$974

$81

Progressive

$975

$81

American National P&C

$978

$82

Westfield

$991

$83

Allstate

$999

$83

Nationwide

$1,006

$84

American National P&C

$1,019

$85

Allstate

$1,053

$88

Westfield

$1,088

$91

Progressive

$1,117

$93

Erie

$1,159

$97

Nationwide

$1,179

$98

Dairyland

$1,206

$100

American National P&C

$1,212

$101

Dairyland

$1,216

$101

Dairyland

$1,320

$110

Allstate

$1,328

$111

Travelers

$1,433

$119

Westfield

$1,433

$119

Chubb

$1,515

$126

Travelers

$1,517

$126

State Farm

$1,630

$136

Travelers

$1,691

$141

Nationwide

$1,703

$142

Allstate

$1,791

$149

State Farm

$1,803

$150

Chubb

$1,886

$157

Nationwide

$1,927

$161

Allstate

$2,057

$171

State Farm

$2,098

$175

Nationwide

$2,231

$186

GEICO

$2,494

$208

Chubb

$2,527

$211

Allstate

$2,569

$214

GEICO

$2,600

$217

Dairyland

$2,811

$234

GEICO

$2,934

$244

Dairyland

$2,937

$245

Progressive

$3,362

$280

Dairyland

$3,392

$283

Progressive

$3,535

$295

Progressive

$4,538

$378

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:

  • Westfield: $994 per year
  • American National: $1,019 per year

Progressive has the most expensive car insurance rates after an at-fault accident, at roughly $5,545 per year.

On average, car insurance rates in Pennsylvania increase by up to $659 per year after an at-fault accident.

Company
Annual Premium
Monthly Premium

Westfield

$278

$23

Westfield

$282

$23

Westfield

$369

$31

American National P&C

$422

$35

American National P&C

$449

$37

Erie

$455

$38

Chubb

$456

$38

Erie

$469

$39

American National P&C

$475

$40

Auto-Owners Insurance Co

$486

$41

Auto-Owners Insurance Co

$486

$41

Auto-Owners Insurance Co

$551

$46

Chubb

$567

$47

Erie

$571

$48

State Farm

$651

$54

Travelers

$700

$58

State Farm

$710

$59

Travelers

$710

$59

Travelers

$738

$61

Chubb

$798

$67

State Farm

$827

$69

Westfield

$905

$75

GEICO

$935

$78

GEICO

$939

$78

American National P&C

$978

$82

Westfield

$994

$83

GEICO

$1,013

$84

American National P&C

$1,019

$85

Auto-Owners Insurance Co

$1,042

$87

Nationwide

$1,069

$89

Auto-Owners Insurance Co

$1,089

$91

Nationwide

$1,157

$96

Erie

$1,159

$97

Erie

$1,191

$99

American National P&C

$1,212

$101

Auto-Owners Insurance Co

$1,273

$106

Allstate

$1,292

$108

Westfield

$1,310

$109

Nationwide

$1,338

$112

Dairyland

$1,339

$112

Allstate

$1,355

$113

Dairyland

$1,392

$116

Dairyland

$1,431

$119

Progressive

$1,439

$120

Erie

$1,452

$121

Chubb

$1,515

$126

Progressive

$1,541

$128

Travelers

$1,548

$129

Progressive

$1,605

$134

Travelers

$1,629

$136

Allstate

$1,687

$141

State Farm

$1,767

$147

Travelers

$1,820

$152

Chubb

$1,886

$157

State Farm

$1,955

$163

Nationwide

$1,972

$164

Nationwide

$2,210

$184

State Farm

$2,275

$190

Allstate

$2,398

$200

Chubb

$2,527

$211

Nationwide

$2,534

$211

Allstate

$2,755

$230

GEICO

$2,865

$239

GEICO

$3,009

$251

Dairyland

$3,209

$267

Dairyland

$3,234

$269

GEICO

$3,353

$279

Allstate

$3,417

$285

Dairyland

$3,635

$303

Progressive

$5,545

$462

Progressive

$5,769

$481

Progressive

$6,683

$557

Cheapest Car Insurance in Pennsylvania After a DUI

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

  • American National: $1,143 per year
  • Erie: $1,394 per year

Progressive is the most expensive option for car insurance with a DUI, at approximately $4,294 per year.

Drivers with a DUI in Pennsylvania pay an average of $951 more for car insurance compared with rates for those with a clean record.

Company
Annual Premium
Monthly Premium

American National P&C

$478

$40

American National P&C

$507

$42

American National P&C

$538

$45

Erie

$561

$47

Erie

$579

$48

State Farm

$593

$49

State Farm

$646

$54

Chubb

$691

$58

Erie

$703

$59

Travelers

$742

$62

Travelers

$747

$62

State Farm

$753

$63

Travelers

$779

$65

Chubb

$857

$71

Dairyland

$869

$72

Auto-Owners Insurance Co

$897

$75

Auto-Owners Insurance Co

$897

$75

Dairyland

$965

$80

Allstate

$999

$83

Auto-Owners Insurance Co

$1,016

$85

GEICO

$1,038

$86

Allstate

$1,053

$88

Progressive

$1,082

$90

American National P&C

$1,101

$92

American National P&C

$1,143

$95

Dairyland

$1,147

$96

Progressive

$1,148

$96

GEICO

$1,152

$96

GEICO

$1,179

$98

Chubb

$1,207

$101

Progressive

$1,228

$102

Allstate

$1,328

$111

American National P&C

$1,358

$113

Erie

$1,394

$116

Erie

$1,436

$120

Westfield

$1,444

$120

Westfield

$1,446

$121

Westfield

$1,533

$128

State Farm

$1,630

$136

Nationwide

$1,642

$137

Travelers

$1,660

$138

Erie

$1,746

$145

Nationwide

$1,749

$146

Travelers

$1,771

$148

Allstate

$1,791

$149

State Farm

$1,803

$150

Auto-Owners Insurance Co

$1,879

$157

Auto-Owners Insurance Co

$1,955

$163

Nationwide

$1,963

$164

Travelers

$1,973

$164

Allstate

$2,057

$171

Dairyland

$2,094

$175

State Farm

$2,098

$175

Auto-Owners Insurance Co

$2,277

$190

Chubb

$2,292

$191

Dairyland

$2,396

$200

Allstate

$2,569

$214

Chubb

$2,853

$238

Dairyland

$2,976

$248

Nationwide

$3,037

$253

GEICO

$3,190

$266

Nationwide

$3,317

$276

GEICO

$3,361

$280

GEICO

$3,630

$302

Nationwide

$3,698

$308

Westfield

$3,705

$309

Westfield

$3,792

$316

Chubb

$3,822

$318

Westfield

$4,109

$342

Progressive

$4,294

$358

Progressive

$4,430

$369

Progressive

$5,323

$444

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

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

  • American National: $1,172 per year
  • Auto-Owners: $1,177 per year

Progressive is the most expensive option for drivers with poor credit at approximately $6,025 per year.

On average, Pennsylvania drivers with poor credit pay up to $1,159 more per year for car insurance compared with those with good credit (a credit score above 750).

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$1,382

$115

American National P&C

$1,388

$116

Nationwide

$2,112

$176

Erie

$2,347

$196

Westfield

$2,362

$197

Chubb

$2,527

$211

Travelers

$3,645

$304

GEICO

$3,851

$321

Dairyland

$3,861

$322

State Farm

$4,218

$351

Allstate

$4,383

$365

Progressive

$7,733

$644

American National P&C

$522

$44

Auto-Owners Insurance Co

$547

$46

Westfield

$720

$60

Chubb

$798

$67

Erie

$868

$72

Nationwide

$1,099

$92

GEICO

$1,154

$96

Travelers

$1,456

$121

Dairyland

$1,485

$124

State Farm

$1,503

$125

Progressive

$1,802

$150

Allstate

$2,358

$196

American National P&C

$1,172

$98

Auto-Owners Insurance Co

$1,177

$98

Nationwide

$1,775

$148

Westfield

$1,801

$150

Erie

$1,872

$156

Chubb

$1,886

$157

Dairyland

$3,117

$260

GEICO

$3,210

$268

Travelers

$3,287

$274

Allstate

$3,500

$292

State Farm

$3,633

$303

Progressive

$6,025

$502

American National P&C

$464

$39

Auto-Owners Insurance Co

$483

$40

Westfield

$553

$46

Chubb

$567

$47

Erie

$694

$58

Nationwide

$919

$77

GEICO

$1,008

$84

Dairyland

$1,254

$104

State Farm

$1,289

$107

Travelers

$1,394

$116

Progressive

$1,590

$133

Allstate

$1,866

$155

American National P&C

$1,110

$93

Auto-Owners Insurance Co

$1,118

$93

Chubb

$1,515

$126

Nationwide

$1,520

$127

Westfield

$1,648

$137

Erie

$1,919

$160

Dairyland

$2,711

$226

GEICO

$3,007

$251

Travelers

$3,050

$254

Allstate

$3,058

$255

State Farm

$3,275

$273

Progressive

$5,733

$478

Chubb

$456

$38

Auto-Owners Insurance Co

$483

$40

American National P&C

$495

$41

Westfield

$551

$46

Erie

$712

$59

Nationwide

$822

$68

GEICO

$998

$83

Dairyland

$1,126

$94

State Farm

$1,182

$99

Travelers

$1,377

$115

Progressive

$1,602

$134

Allstate

$1,768

$147

A poor credit score may raise your car insurance rates because drivers with poor credit are more likely to file claims. Although using credit history to rate 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 (June 2023)

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

  • Auto-Owners: $818 per year
  • Travelers: $1,113 per year

Progressive is the most expensive insurer if you have a sports car at an average cost of $4,927 per year.

On average, it costs up to $453 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.

Company
Annual Premium
Monthly Premium

Westfield

$278

$23

Westfield

$282

$23

Chubb

$287

$24

American National P&C

$292

$24

Auto-Owners Insurance Co

$308

$26

Auto-Owners Insurance Co

$308

$26

Erie

$310

$26

American National P&C

$310

$26

Erie

$316

$26

American National P&C

$329

$27

Auto-Owners Insurance Co

$349

$29

Chubb

$356

$30

Westfield

$369

$31

Erie

$385

$32

Chubb

$502

$42

State Farm

$521

$43

Travelers

$541

$45

Travelers

$548

$46

State Farm

$561

$47

GEICO

$564

$47

Travelers

$568

$47

GEICO

$573

$48

Nationwide

$613

$51

State Farm

$661

$55

Nationwide

$671

$56

GEICO

$683

$57

Auto-Owners Insurance Co

$776

$65

Auto-Owners Insurance Co

$818

$68

Nationwide

$831

$69

Dairyland

$858

$72

Dairyland

$951

$79

Auto-Owners Insurance Co

$961

$80

Progressive

$969

$81

Progressive

$975

$81

Allstate

$999

$83

Travelers

$1,032

$86

Allstate

$1,096

$91

Travelers

$1,113

$93

Progressive

$1,117

$93

Dairyland

$1,131

$94

Chubb

$1,142

$95

Travelers

$1,241

$103

Nationwide

$1,325

$110

Allstate

$1,328

$111

Chubb

$1,420

$118

Nationwide

$1,552

$129

GEICO

$1,558

$130

GEICO

$1,668

$139

State Farm

$1,809

$151

Allstate

$1,812

$151

Nationwide

$1,869

$156

Chubb

$1,906

$159

State Farm

$2,002

$167

GEICO

$2,021

$168

Dairyland

$2,053

$171

Allstate

$2,122

$177

State Farm

$2,331

$194

Dairyland

$2,361

$197

Allstate

$2,664

$222

Dairyland

$2,939

$245

Progressive

$4,118

$343

Progressive

$4,927

$411

Progressive

$6,499

$542

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 (June 2023)

The cheapest auto insurance company in Pennsylvania for active-duty military members or veterans is American National, at an average cost of $737 per year.

USAA is also a good option for members of the military community at an average rate of $1,977 per year. USAA tailors its coverage to suit the military and is available in all states.

mglogo
MoneyGeek Top Pick
American National P&C
  • $737 per year

American National offers discounts for drivers who opted for bundling and insured multiple cars.

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 $644 per year. Travelers is also the cheapest option in Philadelphia, but rates are significantly higher at an average of $1,246 per year since the area is considered a much higher risk by insurers.

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.

City
Cheapest Company
Annual Premium

Allentown

Travelers

$678

Philadelphia

Travelers

$1,246

Pittsburgh

Travelers

$644

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.

  • male icon

    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.

  • accident2 icon

    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.

  • hospital icon

    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 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.

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 Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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