Cheapest Car Insurance in Pennsylvania (2026)

Travelers offers the cheapest full coverage car insurance in Pennsylvania at $68 per month, and Westfield has the cheapest minimum coverage at $20 but charges the most for full coverage ($102).  

Travelers also stays the cheapest option in Pennsylvania even after a speeding ticket ($82) or a DUI ($94), but Nationwide is the cheapest after an at-fault accident ($77), with bad credit ($140), and for drivers 65 and older ($83), while Erie Insurance is the cheapest for a new 16-year-old driver ($315).

*MoneyGeek’s prices use full tort, Pennsylvania’s default, which keeps your right to sue for pain and suffering after a crash, so if a quote comes in lower, check whether it’s limited tort.

Westfield offers the cheapest car insurance for minimum coverage in Pennsylvania at $20 per month, and Travelers’ $30 rate is worth the extra $10 for better service.

Travelers provides the cheapest full coverage at $68 per month, well under Pennsylvania’s average of $121 per month. Travelers also carries the second-highest MoneyGeek score (which weighs price alongside service and coverage) among the five providers at 4.83/5, behind only Erie Insurance's 4.85/5, and its customer service score ranks second to Erie’s, so claims are more likely to go smoothly.

If your full coverage policy is currently with Nationwide, Erie Insurance, Donegal or Westfield, switching to Travelers saves you $9 to $34 a month or $108 to $408 a year.

Erie Insurance has the cheapest car insurance for teens in Pennsylvania ($301 to $315 a month at ages 16 and 17), and Travelers is the cheapest for young adults ($132 to $211 a month from 18 to 25). Unlike many other states, Pennsylvania does not allow gender-based pricing, so the cost of car insurance for males and females is exactly the same.

Age, on the other hand, is a very important factor, as it is in most states. A family with a 16-year-old driver will pay an average of $315 per month for Erie Insurance in Pennsylvania and as little as $132 per month for a 25-year-old with Travelers. Prices drop the most at 18. Full coverage for a 17-year-old costs $301 a month at Erie. At 18, Travelers charges $211, which is $90 less.

When your teen gets their license, get an Erie quote for your family policy, then get a Travelers quote before their 18th birthday and again each year through 25. Ask about good grades and driver’s ed discounts since insurers may not apply them to your teen’s policy unless you ask, and each can take 3% to 10% off (up to $32 a month on Erie’s $315).

Nationwide is the cheapest car insurance for seniors in Pennsylvania at $83 per month for full coverage. Travelers is second at $86 per month, just $3 more per month. Erie receives our top MoneyGeek score for most drivers, but it charges seniors more than its competitors, at $111 per month. Travelers’ customer service ranks second in Pennsylvania, while Nationwide ranks seventh, so Travelers is the better pick for most seniors who prefer to speak with a local agent about their policy or claims and is worth the extra $36 per year. Get a Travelers quote first, then take PennDOT’s Basic Mature Driver Improvement Course to cut your price by at least $4.30 a month, or $51.60 a year.

Travelers provides the cheapest car insurance in 5 of Pennsylvania’s 10 largest cities, so it’s the first quote we’d get almost anywhere in the state. The rates for the cheapest car insurance in major Pennsylvania cities range from $56 to $82 per month, though Philadelphia is a major outlier at $126 per month for a full-coverage policy with Travelers, due to higher theft rates and more comprehensive claims concentrated in the metro and downtown areas, as well as on freeways.

Where Travelers isn’t the cheapest, start with Donegal Insurance in Allentown ($82) and Pittsburgh ($80), Erie Insurance in Harrisburg ($69) and Lancaster ($80), or Nationwide in Scranton ($72). Your cheapest insurer can change even between neighboring cities, from Travelers in Bethlehem ($64) to Donegal Insurance next door in Allentown ($82), so if you move within Pennsylvania, get new quotes before you go.

Travelers has the cheapest car insurance in Pennsylvania for most high-risk drivers: after a speeding ticket ($82 a month) or a DUI ($94 a month); its DUI rate is only $26 more than its clean-record rate of $68. Travelers also cheapest for drivers caught texting-while-driving, with no rate increase and premiums of just $68 per month, with no increase for that violation type.

Nationwide is the cheapest after an at-fault accident at $77 per month, and it's also the cheapest for drivers with poor credit ($140 per month). Nationwide charges the same $77 after an at-fault accident as it does for a clean record, so your premium should rise if you have another accident.

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

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

See our full rate methodology.