Cheapest Car Insurance in Pennsylvania (Best Rates in 2024)
Erie has the best cheap car insurance in Pennsylvania, at $97 per month for full coverage.
Find Cheap Auto Insurance Quotes in Pennsylvania
Best cheap car insurance companies in PA
How we chose the top companies
Best and cheapest car insurance in Pennsylvania
- Cheapest full coverage: Erie, $97/mo
- Cheapest minimum liability: Allstate, $28/mo
- Cheapest for young drivers: Erie, $70/mo
- Cheapest after a ticket: Erie, $109/mo
- Cheapest after an accident: Erie, $109/mo
- Cheapest for teens after a ticket: Allstate, $80/mo
- Cheapest after a DUI: The Hartford, $145/mo
- Cheapest for poor credit: Nationwide, $220/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best mix of affordable rates and reliable customer service in Pennsylvania. State Farm is also a great choice. It has good customer service, but it's typically more expensive than Erie.
While The Hartford, Allstate and Nationwide have cheap rates for some drivers, their customer service reviews aren't as good as Erie and State Farm.
Cheapest car insurance in PA for full coverage: Erie
Erie has the most affordable car insurance quotes in PA for full coverage insurance.
At $97 per month, full coverage from Erie is $58 per month cheaper than the statewide average.
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The average cost of car insurance in Pennsylvania is $155 per month for full coverage. That's $10 per month less than the national average.
Top car insurance companies in PA for full coverage
Company | Monthly rate | |
|---|---|---|
| Erie | $97 |
| The Hartford | $101 |
| State Farm | $117 |
| Nationwide | $160 |
| Allstate | $198 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in PA for minimum coverage: Erie
Erie has the cheapest state minimum car insurance in Pennsylvania, at $28 per month.
That's $22 per month less than the Pennsylvania average, which is $50 per month.
Best cheap car insurance in PA
Company | Monthly rate |
|---|---|
| Erie | $28 |
| State Farm | $34 |
| The Hartford | $38 |
| Nationwide | $48 |
| Progressive | $64 |
*USAA is only available to current and former military members and their families.
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Cheap car insurance in PA for teens: Erie and The Hartford
Erie has the best minimum coverage car insurance rates in Pennsylvania for young drivers.
A minimum coverage policy from Erie is 41% cheaper than the state average, at $70 per month. Young drivers can find even cheaper quotes with USAA. However, you have to be a military member, a veteran, or the spouse or child of a military member to buy car insurance from USAA.
The Hartford offers the best rate for full coverage, at $210 per month for an 18-year-old. That's 42% cheaper than the Pennsylvania average for teen drivers, which is $364 per month.
Although full coverage from Erie costs more than The Hartford, Erie has much better customer service reviews. Erie's quick and easy claims process could be worth an extra $25 per month if you're ever in an accident.
Best Pennsylvania car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $70 | $235 |
| The Hartford | $86 | $210 |
| State Farm | $102 | $336 |
| Geico | $121 | $360 |
| Nationwide | $140 | $465 |
Young drivers in Pennsylvania should consider full coverage insurance.
Young drivers are more likely to be in an accident. So you could benefit from collision and comprehensive coverage, which help pay for damage to your own car.
If you can't afford your own full coverage policy, it could be much cheaper to share a policy with your parents. On average, a shared family policy costs 62% less than two separate policies.
Cheap auto insurance in PA after a speeding ticket: Erie
Erie offers the most affordable Pennsylvania car insurance quotes after a speeding ticket. A full coverage policy from Erie costs $109 per month, which is 40% cheaper than the state average.
Most affordable car insurance after a ticket
Company | Monthly rate |
|---|---|
| Erie | $109 |
| The Hartford | $122 |
| State Farm | $125 |
| Nationwide | $195 |
| Allstate | $198 |
In Pennsylvania, drivers with a single speeding ticket pay 17% more than drivers with a clean record. That's an average increase of $26 per month for full coverage.
Cheapest car insurance in Pennsylvania after an accident: Erie
Erie has the best cheap Pennsylvania auto insurance after an accident.
Erie only raises full coverage quotes to $109 per month after an accident. That's an increase of only $12 per month, and the same rate Erie charges drivers after a speeding ticket. It also costs half as much as the average in Pennsylvania after a crash.
Best insurance companies in PA after an accident
Company | Monthly rate |
|---|---|
| Erie | $109 |
| State Farm | $117 |
| The Hartford | $137 |
| Allstate | $198 |
| Progressive | $214 |
Pennsylvania drivers can expect quotes to increase by 32% after an at-fault accident.
However, not all insurance companies raise rates by the same amount. For example, your rates may not go up with Allstate, Progressive or State Farm if you have accident forgiveness. But Geico increases the cost of car insurance by 83% after a single accident.
That's why it's important to compare multiple quotes when shopping for a policy, especially after a change in your driving record.
Cheap insurance in PA for teens with a ticket or accident: Erie
Erie has the most affordable car insurance for young drivers after a speeding ticket or accident.
Minimum coverage from Erie is $85 per month for an 18-year-old after one speeding ticket. That's $49 per month cheaper than the Pennsylvania average of $134 per month after a ticket.
Erie is also the cheapest company after an at-fault accident. At $80 per month, minimum coverage from Erie is $57 per month less than the statewide average.
Best PA car insurance quotes for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $85 | $80 |
| The Hartford | $103 | $123 |
| State Farm | $111 | $102 |
| Progressive | $159 | $159 |
| Geico | $167 | $173 |
Young drivers in Pennsylvania can expect their rates to go up by 13% after one speeding ticket, and 16% after an accident.
Cheap car insurance in Pennsylvania after a DUI: The Hartford
The Hartford has the cheapest insurance in Pennsylvania for drivers with a DUI (driving under the influence) on their record. Its rates average $145 a month for full coverage, which is 35% cheaper than the state average.
Pennsylvania drivers should also consider Erie after a DUI. Full coverage from Erie is only $14 per month more than The Hartford. But Erie's excellent customer service will come in handy if you're in a crash.
Best prices for car insurance after a DUI in Pennsylvania
Company | Monthly rate |
|---|---|
| The Hartford | $145 |
| Erie | $159 |
| Nationwide | $195 |
| Allstate | $198 |
| Progressive | $259 |
Drivers in Pennsylvania can expect their car insurance rates to increase by 45% after a DUI.
Cheapest insurance in PA for drivers with poor credit: Nationwide
Nationwide has the best cheap quotes for Pennsylvania drivers with a low credit score. At $220 per month for full coverage, Nationwide's rate is 28% cheaper than the state average.
Most affordable car insurance in Pennsylvania with bad credit
Company | Monthly rate |
|---|---|
| Nationwide | $220 |
| Erie | $226 |
| The Hartford | $277 |
| Allstate | $330 |
| Progressive | $364 |
Insurance companies in Pennsylvania charge drivers with bad credit nearly twice as much for full coverage compared to those with good credit. That's because car insurance companies believe that drivers with poor credit scores are more likely to make a claim in the future.
Best car insurance in PA
USAA has the best car insurance in Pennsylvania, based on its excellent customer service reputation and affordable quotes.
However, not all drivers can buy car insurance from USAA. Only military members, veterans and their families are eligible.
Erie is the best car insurance company in Pennsylvania for drivers who aren't eligible for USAA. Erie has positive customer service reviews, along with some of the cheapest rates in the state.
Best insurance companies in PA
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 871 | A+ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
The best car insurance in Pennsylvania should offer reliable customer service along with cheap rates.
Companies with great service reviews usually have an easy claims process. That means they can help you get back on the road fast after an accident. Poor customer service can drag out the claims process, and you could end up paying more for repairs.
Average car insurance cost in Pennsylvania by city
Philadelphia drivers pay the highest car insurance rates in Pennsylvania, averaging $278 per month for full coverage.
Drivers in Houserville, a small town in central Pennsylvania, have the cheapest car insurance quotes. Rates there average $124 per month. That's less than half what drivers in Philadelphia pay for the same coverage.
Average cost of car insurance in PA by city
City | Monthly rate | % from average |
|---|---|---|
| Aaronsburg | $135 | -13% |
| Abbottstown | $130 | -16% |
| Abington | $180 | 16% |
| Ackermanville | $152 | -2% |
| Acme | $156 | 1% |
Full coverage car insurance in Pennsylvania varies by $154 per month depending on where you live in the state. Rates are typically more expensive in larger cities with more traffic and higher crime rates. That's because drivers are more likely to get in an accident or have their car stolen.
Minimum car insurance requirements in Pennsylvania
Pennsylvania law requires drivers to have both bodily injury and property damage liability coverage, sometimes written as 15/30/5. As a Pennsylvania driver, you also need medical benefits coverage, which pays for your own injuries.
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $5,000 per accident
- Medical benefits: $5,000
These are the lowest coverage limits you can get to legally drive on Pennsylvania roads.
However, if you can afford the cost, you should choose higher limits. Insurance companies will only pay for damage up to your policy’s limits. Minimum coverage limits probably won't be high enough to cover the costs from a major accident. You would have to pay for the remaining damage out of pocket.
What's the best car insurance coverage for Pennsylvania drivers?
Full coverage is the best option for most people because it pays for damage to your car.
Full coverage car insurance in Pennsylvania is $105 per month more expensive than minimum liability coverage. That's mainly because full coverage includes collision and comprehensive coverage, along with more than the state’s minimum liability coverages.
- Collision coverage pays for damage to your car due to an accident, regardless of whose fault it is.
- Comprehensive coverage pays for damage to your car in most other situations. This includes damage caused by weather, animals, vandalism and theft.
In comparison, minimum coverage insurance doesn't offer any protection for your car.
Lenders typically require you to have full coverage insurance if you have a loan or lease on your car. You should also consider full coverage if your car is less than 8 years old or worth more than $5,000.
Minimum coverage auto insurance is the least expensive form of insurance you can get.
A minimum coverage policy in Pennsylvania covers injuries to the other driver and damage to their property, up to a set amount. It also includes a small amount of coverage for your own injuries.
Minimum coverage isn't usually enough to pay for major accidents, which leaves you with bills to pay yourself.
In addition, minimum coverage insurance doesn't cover damage to your own car. That's why most drivers should get full coverage insurance. This is especially true for those with a car that's 8 years old or newer, or worth more than $5,000.
Frequently asked questions
Who has the lowest car insurance rates in PA?
Erie has the cheapest car insurance in Pennsylvania, at $28 per month for a minimum coverage policy. It also has the cheapest full coverage insurance, at $97 per month.
How much is car insurance per month in PA?
The average cost of car insurance in Pennsylvania is $50 per month for a minimum coverage policy. Full coverage costs an average of $155 per month.
Which car insurance is best for Pennsylvania?
USAA has the best-rated car insurance in Pennsylvania, but it's not available to most drivers.
Erie is a great option for people who don't qualify for USAA. Erie has excellent customer service and affordable rates for most Pennsylvania drivers.
Why is Pennsylvania car insurance so expensive?
Car insurance in Pennsylvania is not expensive compared to the rest of the country. Minimum coverage in Pennsylvania is 22% cheaper than the national average, and full coverage costs 6% less than average. One reason car insurance is cheap is that Pennsylvania has a low percentage of uninsured drivers.
How much is car insurance in Pittsburgh?
Drivers in Pittsburgh pay an average of $158 per month for full coverage insurance. That's only 2% more expensive than the Pennsylvania average. In comparison, drivers who live in the largest city in the state, Philadelphia, pay $278 per month.
Methodology
To find the best cheap car insurance in PA, ValuePenguin collected thousands of rates from ZIP codes across Pennsylvania for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full coverage quotes include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Medical coverage: $5,000
- Comprehensive and collision: $500 deductible
ValuePenguin's review used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.