Car Insurance in Pennsylvania: How to Find the Policy That Fits You

MoneyGeek’s analysis will help you find solutions for all your car insurance needs in Pennsylvania.

Find the Best or Cheapest Car Insurance in Pennsylvania

MoneyGeek researched quotes to find the cheapest car insurance companies in Pennsylvania. Using our unique scoring system, we were able to identify the best companies that strike a balance between cost and affordability. Providers include many factors in assessing how much to charge you, so we also broke down costs based on important factors like the driver’s age, driving record and more.

The resources listed above can help you determine the cheapest and best car insurance companies in Pennsylvania. The table below will give you an idea of what you’ll find. These quotes are for a full coverage policy unless noted otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN PENNSYLVANIA
  • Minimum liability: GEICO
  • Full coverage: Erie
  • Drivers with a DUI: State Farm
  • After an accident: USAA
  • Drivers with a ticket: Erie
  • Drivers with bad credit: Nationwide
  • Senior drivers: State Farm
  • Student drivers: Erie
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THE BEST CAR INSURANCE COMPANIES IN PENNSYLVANIA
  • Overall: Travelers
  • Customer Service: New Jersey Manufacturers
  • On a Budget: GEICO
  • Poor Driving Record: Travelers
  • Military: USAA
  • Young Drivers: State Farm
  • New Cars: Travelers
  • Low-Mileage Drivers: Metromile Auto

Get a Pennsylvania Car Insurance Quote

The same car insurance policy for the average driver can differ by as much as $1,762 per year across insurers in Pennsylvania. As a result, you should make it a point to compare quotes from various companies before making your final purchase. Getting quotes doesn’t need to be time-consuming.

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Car Insurance Laws in Pennsylvania

If you need information on car insurance laws and requirements in Pennsylvania, MoneyGeek has all the resources you need.

The state’s minimum car insurance requirements include the following:

Keep in mind that these minimum requirements do not include comprehensive and collision coverages. We strongly recommend that you determine how much car insurance you need because the low liability limits in a state minimum policy may not give you adequate protection.

Specialty Car Insurance in Pennsylvania

A one-size-fits-all type of standard insurance policy might not be the best option for some drivers. Because of this, MoneyGeek evaluated and summarized the alternative forms of car insurance that are available in Pennsylvania. Below are several types of specialty insurance coverage, such as non-owner insurance, temporary car insurance and low-income car insurance.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

Drivers in Pennsylvania who do not own a car but need proof of insurance because they frequently borrow or rent cars could consider getting non-owner car insurance.

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Temporary car insurance

A driver who only needs coverage for a few days to less than six months may find that getting temporary car insurance in Pennsylvania through regular insurance and canceling it early or rental car insurance is the most economical choice.

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Car insurance for low-income drivers

Although Pennsylvania does not support low-income drivers, low-income drivers can save on car insurance by using MoneyGeek’s recommendations.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.