In our analysis, Westfield tops the list for affordable high-risk car insurance in Pennsylvania. It offers the best rates for young drivers, senior drivers, those with speeding tickets, accidents and bad credit. Travelers is the go-to for drivers with a DUI, while Auto-Owners is ideal for those with bad credit and driving violations.
High-Risk Car Insurance PA
Updated: May 20, 2025
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Key Takeaways
For high-risk car insurance in the Keystone State, Travelers, Auto-Owners and Westfield stand out as the most affordable options for both minimum and full coverage.
Annual premiums for high-risk drivers range from a low of $563 to a high of $4,730, illustrating the importance of shopping around for the best rates.
To secure the best deal on high-risk car insurance, identify the coverage you need, explore average costs and discounts, and compare multiple insurance providers.
Cheapest Car Insurance for High-Risk Drivers in PA
| Westfield | Young Drivers | $27 |
| Westfield | Senior Drivers | $21 |
| Westfield | Drivers With a Speeding Ticket | $21 |
| Westfield | Drivers With an Accident | $19 |
| Travelers | Drivers With a DUI | $38 |
| Westfield | Drivers With Bad Credit | $39 |
| Auto-Owners Insurance Co | Drivers With Bad Credit And Driving Violations | $42 |
Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap PA High-Risk Car Insurance Providers
While our above table shows the cheapest companies for high-risk insurance, it doesn't cover every unique driver profile. Below, we've provided a table to compare rates from top providers for your particular needs. This way, you can find the best minimum coverage that fits your situation.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| Travelers | $92 | $1,104 |
| Auto-Owners Insurance Co | $106 | $1,269 |
| Westfield | $136 | $1,630 |
| American National P&C | $142 | $1,699 |
| Erie | $146 | $1,752 |
How Much is High-Risk Car Insurance in PA?
Overall, high-risk car insurance costs in Pennsylvania can range anywhere from $37 to $394 per month, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
| $47 | $563 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you're a driver in Pennsylvania and you've had a run-in with traffic laws, you might wonder how long this will impact your insurance payments. For serious infractions like DUIs or reckless driving, insurance companies can consider these for up to 10 years.
Less severe violations usually only influence your premiums for about three to five years. The specific timeframe is at the discretion of your insurance provider.
Pennsylvania High-Risk Car Insurance: Buyer's Guide
Navigating car insurance with a high-risk profile can be challenging. Our guide helps you understand what makes you high-risk to insurers, find affordable providers, and know what to do if coverage is denied by most insurers.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in PA
Below, discover key tips to help you save money and choose the best provider for high-risk car insurance in the Keystone State.
- 1
Decide What Coverage You Need
Avoid being swayed by popular opinion or aggressive agents; determine your car insurance needs before comparing companies. This includes considering add-ons like rideshare protection and roadside assistance. Use our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Understanding average costs and potential discounts helps you assess the quality of deals when comparing providers. Consider taking certified defensive driving courses in your state, which can reduce your premiums by up to 10%. Keep in mind that incidents like at-fault accidents and moving violations typically increase rates.
- 3
Consider Non-Traditional Coverage Options
Explore pay-per-mile and usage-based insurance programs to save money, especially if you have low mileage or practice safe driving. For instance, Geico offers a telematics program that monitors your driving habits and could cut your auto policy costs by up to 30%.
- 4
Compare Multiple Providers
After exploring all possible coverage options, compare offerings from at least three different insurance providers. Use both independent brokers and online comparison websites to assess plans since rates can vary for the same companies. Ensure the comparisons are consistent in terms of coverage for an accurate evaluation.
What To Do if You Get Denied Coverage in Pennsylvania
Car insurance is not mandatory for companies to offer. They can deny a policy if they think you're too risky. But don't worry, you can still get a plan through the Automobile Insurance Plan Service Office (AIPSO) if you're rejected.
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:15 a.m.–4:30 p.m. ET
njaip@aipso.com
Phone
(800) 652-2471
Fax
(856) 722-9382
Mailing Address
NJAIP/NJSAIP/NJLSV, P.O. Box 6530, Providence, RI 02940-6530
PA Car Insurance For Reinstate Your License (PA PAIP)
Car Insurance for High-Risk Drivers in PA: Bottom Line
Based on our research, the three cheapest companies for high-risk insurance in Pennsylvania are Travelers, Auto-Owners, and Westfield, with monthly premiums ranging from $42 to $146. But do your own research to find the best deal. If you're denied coverage, don't worry — there are programs available to help you secure affordable insurance.
PA Car Insurance for High-Risk Drivers: FAQ
Below, we answer common questions about high-risk car insurance in Pennsylvania.
What is the cheapest high-risk car insurance provider in, Pennsylvania?
The cheapest high-risk car insurance provider in Pennsylvania is Westfield, best for drivers with an accident.
Westfield offers the cheapest rate for monthly high-risk car insurance in Pennsylvania at $19.
What do I do if I get denied for coverage?
If your insurance application is denied, reach out to the Automobile Insurance Plan Service Office (AIPSO) for assistance in finding coverage.
How much more expensive is high-risk car insurance in Pennsylvania?
High-risk car insurance in Pennsylvania for drivers aged 30-59 with a DUI and poor credit can be about 195% more expensive, with an average monthly increase of $219, than minimum coverage for drivers with a clean record.
How We Chose The Cheapest High-Risk Car Insurance in Pennsylvania
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI. We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.