120+ more*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Drivers in Pennsylvania pay an average of $89 per month for liability insurance and $160 per month for full- coverage policies, according to Insurify data.
This is slightly less than the national average of $98 per month for liability insurance and $186 per month for full coverage.
We analyzed rates for 120+ insurers to help you find the cheapest coverage in Pennsylvania. Below are the companies with the lowest rates, broken down by driver profile and coverage type.
Driver Category  | Cheapest Insurance Company in PA | Cheapest Monthly Quote in PA |
|---|---|---|
| Overall | State Farm | $48 |
| State-minimum coverage | State Farm | $48 |
| Full coverage | State Farm | $83 |
| Drivers with a clean record | State Farm | $48 |
| After a speeding ticket | State Farm | $58 |
| After an at-fault accident | State Farm | $62 |
| After a DUI | State Farm | $73 |
| Teen/new drivers | State Farm | $91 |
| Seniors | State Farm | $38 |
| Bad credit | State Farm | $69 |
Drivers in Pennsylvania must carry car insurance coverage that meets the state’s minimum requirements of $15,000/$30,000 for bodily injury liability and $5,000 for property damage.[1] In Pennsylvania, the companies with the cheapest average liability-only rates are State Farm and National General.
The table below shows the insurance companies with the lowest rates for liability coverage in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $48 |
| National General | $54 |
| Erie | $56 |
| First Acceptance | $59 |
| Auto-Owners | $60 |
| Progressive | $67 |
| Travelers | $73 |
| GEICO | $76 |
| Safeco | $78 |
| Direct Auto | $82 |
| Allstate | $85 |
| Bristol West | $89 |
| Nationwide | $97 |
| Root | $97 |
| USAA | $100 |
| Dairyland | $106 |
| Chubb | $115 |
| Liberty Mutual | $119 |
| GAINSCO | $123 |
| State Auto | $134 |
| CSAA | $160 |
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Mallory Mooney
Licensed P&C Insurance Agent and Director of Sales and Client Services, Insurify
Pennsylvania’s minimum-required $5,000 for property damage won’t go very far if you total another driver’s car, so increasing your liability limits can help you avoid paying out of pocket.
Full-coverage policies combine liability insurance with collision and comprehensive coverage. In Pennsylvania, animal-related collisions are common, making full-coverage policies especially important. In 2025 alone, the state reported nearly 6,500 deer-related collisions — a five-year high — according to the Pennsylvania Department of Transportation (PennDOT).[2]
On average, drivers pay $160 per month for full coverage in the Keystone State.
Here’s a look at the companies with the cheapest full-coverage rates in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $83 |
| Erie | $96 |
| Auto-Owners | $103 |
| Plymouth Rock | $112 |
| National General | $122 |
| Travelers | $124 |
| Safeco | $125 |
| GEICO | $128 |
| Liberty Mutual | $141 |
| Progressive | $143 |
| Allstate | $145 |
| First Acceptance | $146 |
| Root | $158 |
| Direct Auto | $162 |
| Nationwide | $163 |
| Bristol West | $165 |
| USAA | $168 |
| Chubb | $194 |
| GAINSCO | $223 |
| State Auto | $226 |
| CSAA | $234 |
| Dairyland | $261 |
| The General | $263 |
*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Pennsylvania’s top weather risks are floods, fires, and winter storms.[3] And while the state sees a number of tornadoes each year, it experiences as many as 10 to 20 times as many damaging wind events.[4]
Comparing quotes from the best car insurance companies in Pennsylvania can help you find low rates and quality coverage for your vehicle. We’ve listed three of our top picks below.
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm is the largest auto insurance company in Pennsylvania, accounting for nearly 28% of the state’s auto insurance market.
In addition to offering customizable coverage at affordable rates, the company has an extensive agent network in Pennsylvania. It also offers a highly rated mobile app and earns high customer satisfaction ratings from J.D. Power.
Low rates in Pennsylvania
Highly rated by J.D. Power for customer satisfaction
Available rideshare insurance
Gap insurance not available
No vanishing deductible
Rates increase significantly for drivers with poor credit
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $122/mo |
National General's score | Industry average | |
|---|---|---|
| Coverage options | 3.4 | 3.2 |
| Customer service | 2.7 | 3.6 |
| Discounts | 3.1 | 2.9 |
| Policy transparency | 3.3 | 3.1 |
| Value | 3.0 | 2.9 |
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
If you’re among the nearly 8% of Pennsylvania drivers with a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction on your record, insurers may classify you as a high-risk driver and charge higher rates.
Backed by Allstate, National General specializes in non-standard coverage and offers lower rates than other insurers for high-risk drivers. While the company offers several discounts and various payment options, J.D. Power gives National General a low customer satisfaction rating.
Competitive rates for PA drivers with tickets or DUIs
Multiple available discounts
Convenient payment options
Below-average J.D. Power customer satisfaction rating
No rideshare or gap insurance
Poor Trustpilot reviews
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $96/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Erie Insurance ranks among the top companies for customer satisfaction and also offers some of the lowest car insurance rates in Pennsylvania.
Rideshare services are popular in Pennsylvania, with more than 62,000 Uber drivers in Philadelphia alone, according to HR&A Advisors. Erie’s rideshare endorsement covers rideshare drivers during every stage of the trip.
Excellent J.D. Power customer satisfaction rating
Offers pet medical coverage if your pet is injured while riding in your car
Usage-based program offers rewards instead of discounts
No online quotes
Fewer discounts than some competitors
Insurance rates in Pennsylvania have remained fairly steady, with a projected 0.4% increase by the end of 2026. The average cost of car insurance in Pennsylvania is projected to reach $1,867 per year for full coverage by the end of 2026.
The table below highlights car insurance rates in Pennsylvania over the past five years.
State Name | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Pennsylvania | 1,314 | 1,333 | 1,332 | 1,314 | 1,311 | 1,292 | 1,302 | 1,301 | 1,310 | 1,303 | 1,308 | 1,319 | 1,314 | 1,305 | 1,283 | 1,265 | 1,277 | 1,276 | 1,272 | 1,270 | 1,277 | 1,298 | 1,300 | 1,312 | 1,333 | 1,368 | 1,405 | 1,435 | 1,446 | 1,480 | 1,487 | 1,495 | 1,506 | 1,565 | 1,607 | 1,657 | 1,767 | 1,940 | 2,053 | 2,099 | 2,105 | 2,151 | 2,184 | 2,218 | 2,200 | 2,195 | 2,181 | 2,152 | 2,114 | 2,083 | 1,999 | 1,937 | 1,909 | 1,878 | 1,873 | 1,886 | 1,884 | 1,889 | 1,907 | 1,919 | 1,925 |
| United States | 1,556 | 1,551 | 1,553 | 1,555 | 1,557 | 1,562 | 1,565 | 1,567 | 1,568 | 1,572 | 1,578 | 1,591 | 1,602 | 1,608 | 1,612 | 1,618 | 1,624 | 1,632 | 1,640 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,802 | 1,850 | 1,887 | 1,919 | 1,956 | 1,984 | 2,006 | 2,036 | 2,076 | 2,128 | 2,194 | 2,240 | 2,299 | 2,342 | 2,368 | 2,389 | 2,386 | 2,373 | 2,370 | 2,361 | 2,350 | 2,365 | 2,366 | 2,366 | 2,354 | 2,341 | 2,317 | 2,285 | 2,256 | 2,227 | 2,214 | 2,221 | 2,222 | 2,224 | 2,232 | 2,238 | 2,236 |
Insurify partners with 120+ top insurers for real-time quotes
As in nearly every state, Pennsylvania requires all drivers to have car insurance. If you drive without adequate coverage, the state may fine you, suspend your license, and revoke your vehicle registration sticker and license plate.
You need at least the following minimum coverage in Pennsylvania:
$15,000 per person and $30,000 per accident
$5,000 per accident
$5,000
Your location affects your insurance rate. Drivers in Philadelphia tend to have the highest rates, thanks to the city’s congestion and property crime rates. If you live in a rural area, such as Lancaster, or in a smaller city, such as Hanover, you’ll typically pay lower rates.
Below are average monthly quotes for several cities in Pennsylvania.
City | Average Monthly Quote |
|---|---|
| Allentown | $141 |
| Bethlehem | $112 |
| Erie | $119 |
| Harrisburg | $121 |
| Lancaster | $109 |
| Philadelphia | $215 |
| Pittsburgh | $119 |
| Reading | $128 |
| Scranton | $127 |
| State College | $94 |
| Wilkes-Barre | $114 |
| York | $114 |
People in Pennsylvania with a clean driving record, meaning no speeding tickets or accidents, typically pay the lowest insurance rates. In Pennsylvania, drivers with a clean record and good credit pay an average of $81 per month for liability insurance.
The table below shows the cheapest rates for drivers with a clean record in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| National General | $49 |
| Erie | $52 |
| Auto-Owners | $58 |
| First Acceptance | $61 |
| Progressive | $69 |
| Travelers | $69 |
| GEICO | $76 |
| Direct Auto | $78 |
| Safeco | $82 |
| Allstate | $85 |
| Bristol West | $86 |
| Nationwide | $92 |
| Root | $96 |
| USAA | $96 |
| Dairyland | $101 |
| Chubb | $106 |
| GAINSCO | $116 |
| Liberty Mutual | $124 |
| State Auto | $124 |
| CSAA | $169 |
If you’re pulled over for speeding in Pennsylvania, you could get a ticket and a fine as high as $102.[5] Speeding tickets typically increase your insurance rates. In Pennsylvania, drivers with a speeding ticket pay an average of $102 per month for liability-only coverage.
The following table highlights the cheapest insurers for drivers with speeding tickets in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| National General | $65 |
| First Acceptance | $68 |
| Erie | $71 |
| Auto-Owners | $75 |
| Progressive | $77 |
| Travelers | $91 |
| GEICO | $96 |
| Safeco | $98 |
| Direct Auto | $99 |
| Allstate | $106 |
| Bristol West | $108 |
| Root | $111 |
| Nationwide | $121 |
| USAA | $124 |
| Dairyland | $126 |
| Chubb | $141 |
| GAINSCO | $141 |
| Liberty Mutual | $146 |
| State Auto | $171 |
| CSAA | $201 |
In Pennsylvania, you have five days to notify PennDOT of an accident involving death, injury, or a vehicle that requires towing.[6] Failure to do so can result in fines or the suspension of your driver’s license.
Nearly 5% of drivers in Pennsylvania have an at-fault car accident on their record, according to Insurify data. The average price of a liability-only policy with an at-fault accident is $110 per month.
The data below highlights the lowest rates for drivers with an at-fault accident on their records in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $62 |
| National General | $70 |
| Erie | $73 |
| First Acceptance | $73 |
| Auto-Owners | $77 |
| Progressive | $83 |
| Travelers | $96 |
| GEICO | $97 |
| Safeco | $105 |
| Direct Auto | $108 |
| Allstate | $111 |
| Bristol West | $114 |
| Root | $118 |
| Nationwide | $127 |
| USAA | $130 |
| Dairyland | $136 |
| Chubb | $149 |
| GAINSCO | $152 |
| Liberty Mutual | $153 |
| State Auto | $178 |
| CSAA | $220 |
In 2024, Pennsylvania recorded 244 crashes with alcohol-related fatalities, according to the state Department of Transportation.[7] Penalties for a first-time offense of driving under the influence include a $300 fine, highway safety classes, installing an ignition interlock device for one year, and up to six months of probation.
Drivers with a DUI in Pennsylvania pay an average of $143 per month for liability coverage.
The following table shows the cheapest liability rates for drivers with a DUI in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $73 |
| National General | $82 |
| Erie | $86 |
| Auto-Owners | $88 |
| First Acceptance | $95 |
| Progressive | $108 |
| Travelers | $111 |
| GEICO | $115 |
| Direct Auto | $125 |
| Safeco | $126 |
| Allstate | $130 |
| Bristol West | $136 |
| Nationwide | $148 |
| Root | $148 |
| USAA | $153 |
| Dairyland | $162 |
| Chubb | $176 |
| Liberty Mutual | $182 |
| GAINSCO | $188 |
| State Auto | $197 |
| CSAA | $244 |
Liability quotes in Pennsylvania start at $48/mo.
In Pennsylvania, teens have a junior license until they’re 18. During this time, they can’t drive between 11 p.m. and 5 a.m. (unless for work) and can have only one non-family member younger than age 18 in the car.[8]
Because teens are more likely to be in serious accidents than other age groups, they pay some of the highest premiums. In Pennsylvania, teen drivers pay an average of $155 per month for liability insurance.
The data below shows the companies with the cheapest auto insurance coverage for teen drivers in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $91 |
| Erie | $101 |
| First Acceptance | $103 |
| National General | $106 |
| Progressive | $117 |
| Auto-Owners | $119 |
| GEICO | $134 |
| Root | $143 |
| Travelers | $149 |
| Bristol West | $154 |
| Safeco | $155 |
| Direct Auto | $156 |
| Allstate | $164 |
| USAA | $180 |
| Dairyland | $181 |
| Nationwide | $185 |
| Liberty Mutual | $204 |
| GAINSCO | $213 |
| Chubb | $232 |
| CSAA | $290 |
| State Auto | $319 |
Because seniors often drive fewer miles than average and have fewer accidents than other age groups, they typically pay less for insurance. Plus, drivers in Pennsylvania age 55 and older who complete a Basic Mature Driver Improvement Course can receive a 5% car insurance discount.[9]
Drivers in their 60s and 70s pay an average of $77 per month for liability-only insurance in Pennsylvania.
The following table shows the companies with the lowest rates for senior drivers in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| National General | $43 |
| Erie | $43 |
| Auto-Owners | $47 |
| First Acceptance | $51 |
| Progressive | $58 |
| Travelers | $58 |
| GEICO | $61 |
| Direct Auto | $67 |
| Safeco | $68 |
| Allstate | $69 |
| Nationwide | $74 |
| Bristol West | $75 |
| USAA | $81 |
| Chubb | $87 |
| Root | $89 |
| Dairyland | $90 |
| Liberty Mutual | $99 |
| State Auto | $102 |
| GAINSCO | $106 |
| CSAA | $120 |
Pennsylvania law allows insurance companies to consider your credit history as part of their underwriting process. Drivers in Pennsylvania with poor credit tend to pay higher rates for coverage, with a liability-only policy averaging $111 per month.
Below are some of the lowest auto insurance quotes for drivers with bad credit in Pennsylvania.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $67 |
| State Farm | $69 |
| First Acceptance | $74 |
| Erie | $82 |
| Progressive | $84 |
| Auto-Owners | $90 |
| Travelers | $90 |
| GEICO | $94 |
| Safeco | $96 |
| Direct Auto | $101 |
| Allstate | $105 |
| Bristol West | $110 |
| Nationwide | $120 |
| Root | $120 |
| USAA | $123 |
| Dairyland | $131 |
| Liberty Mutual | $143 |
| GAINSCO | $152 |
| State Auto | $166 |
| Chubb | $183 |
| CSAA | $198 |
Let us do the work getting quotes from 120+ companies. You sit back and save!
For more information on Pennsylvania car insurance, see the answers to frequently asked questions below.
In Pennsylvania, the best car insurance companies include Erie Insurance, National General, and State Farm. We selected these companies based on their rates, customer service, and coverage options.
On average, drivers in Pennsylvania pay $89 per month for liability insurance and $160 per month for a full- coverage policy, Insurify data shows.
Erie Insurance received the top ranking in the J.D. Power U.S. Auto Claims Satisfaction Study and a very high overall customer satisfaction score in the mid-Atlantic region.
Pennsylvania state law requires drivers to purchase car insurance with $15,000/$30,000 in bodily injury liability protection, $5,000 in property damage liability, and $5,000 in medical benefits.
State Farm is the cheapest insurer in Pennsylvania, according to Insurify data, with an average monthly rate of $48 for liability-only coverage.
You can save money on your Pennsylvania car insurance policy by switching to a usage-based insurance policy, bundling auto and homeowners insurance, asking about safe driving discounts, or increasing your deductibles.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
