Best Cheap Auto Insurance in Pennsylvania (October 2023)

The average cost of car insurance in Pennsylvania is $178 per month for a full-coverage policy and $89 for liability-only insurance. State Auto, State Farm, and Hugo offer some of the most affordable coverage for drivers in Pennsylvania, according to Insurify data.

When determining policyholder premiums, insurers will consider a number of factors to gauge the level of risk you pose. A company may look at your driving record, credit history, age, marital status, location, chosen coverage, and vehicle type.

Cheapest car insurance companies in Pennsylvania

Your financial situation and insurance needs influence the type of coverage and insurer that will work best for you. If you have a driving incident on your record — or need a certain type of coverage — you can find a quality car insurance company that caters to your specific situation.

Here are a few of the best insurers in Pennsylvania.

Best full-coverage insurance: State Farm

Best insurance for senior drivers: Travelers

Best insurance for driving incidents: State Auto

Cheapest liability-only car insurance in Pennsylvania: Foremost

A liability-only policy covers bodily injury and property damage to other parties when you’re at fault in an accident. While this is the most cost-effective option, it doesn’t provide coverage for your medical expenses and vehicle damage. You may have to pay out of pocket for your own vehicle repairs if you cause an accident and you don't have full coverage car insurance.^[3]And, if the damages or injuries you cause cost more than your policy limits, you may be on the hook to pay the difference.

Check out the table below to find Pennsylvania’s most cost-effective liability-only car insurance.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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Insurance Company	Average Monthly Quote
Foremost	47
State Auto	47
State Farm	49
Mile Auto	53
Erie	57
Safeco	60
Auto-Owners	61
National General	66
Travelers	74
GEICO	76
Liberty Mutual	85
Allstate	86
Clearcover	87
Progressive	87
Midvale Home & Auto	91
Plymouth Rock	93
The General	98
Nationwide	98
USAA	100
Dairyland	102
Direct Auto	107
Chubb	116
Bristol West	128
CSAA	175

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Pennsylvania: State Farm

A full-coverage policy pays for your vehicle repairs, even if you cause an accident. This type of policy includes liability, comprehensive, and collision coverages. Frequent or high-risk drivers — and car owners with expensive vehicles — should consider a full-coverage policy. If you have a loan or a lease on your car, most lenders require you to purchase full coverage.

“Having adequate coverage ensures that you and other drivers will be protected in the case of an accident, regardless of who was at fault,” says Kyle Pearman, agency owner of the Atherton Group in Pennsylvania.

Full coverage typically costs more than a liability-only policy, but you can still find coverage at a competitive price. Find the most affordable insurers for full-coverage policies in Pennsylvania below.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	60
Erie	70
Mile Auto	72
Auto-Owners	75
Travelers	88
GEICO	93
Nationwide	101
Allstate	105
Clearcover	111
Safeco	119
State Auto	121
USAA	122
Plymouth Rock	133
Midvale Home & Auto	141
Foremost	142
Chubb	142
Liberty Mutual	146
Direct Auto	148
Progressive	159
National General	202
The General	216
CSAA	219
Bristol West	232
Dairyland	245

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Pennsylvania

Pennsylvania is a no-fault state, which means that insurers must cover their policyholder’s medical bills related to an accident, regardless of fault.

In Pennsylvania, you must carry a minimum of liability insurance, as well as medical benefits coverage through personal injury protection (PIP) or medical payments (MedPay) coverage.^[4] PIP pays for a broad range of medical expenses after a car accident, such as lost wages and rehabilitation costs. MedPay covers medical expenses and funeral costs. 

The specific minimum coverage requirements in Pennsylvania include the following:

You may decide to purchase more than the state’s minimum coverage for more protection. Consider the following optional coverages:

Uninsured/underinsured motorist

If the at-fault party doesn’t have enough insurance to cover your medical expenses or vehicle repairs, this insurance plan fills coverage gaps. UI/UIM coverage can also pay for damages from a hit-and-run accident.

Comprehensive

After a noncollision event, like weather, theft, or vandalism, causes vehicle damage, this coverage pays for repairs.

Collision

This coverage kicks in after a collision with another vehicle or object, even if you caused it.

Gap insurance

Gap insurance, also known as guaranteed asset protection, can help pay off your car loan if an accident totals your car (or it's stolen) and you owe more on your loan that your insurance settlement pays.

Accident forgiveness

Some insurance companies offer accident forgiveness coverage, which guarantees your premium won't increase after your first at-fault accident. Depending on the insurance company, accident forgiveness may be a free add-on, or you may have to pay an extra cost for it.

Roadside assistance

Many insurers offer roadside assistance as an add on that connects you with a professional towing or repair service when your car breaks down. The service can typically send someone to help with issues like a flat tire, dead battery, or lost keys.

How to get the cheapest car insurance in Pennsylvania

Finding car insurance that fits into your budget is essential, but a cheap policy doesn’t always equate to quality coverage. You should choose an insurer with solid industry rankings and a good track record of quality customer service.

The following tips can help you find a reputable car insurance company at the best price:

1. Shop around. You should compare quotes from at least three quality insurers to find the coverage you need at an affordable price, according to the Insurance Information Institute.^[5]

2. Increase your deductible. Choosing a higher deductible can help you lower your premiums. Make sure you can pay the deductible if you need to file a claim.

3. Add discounts. You should always take advantage of discounts related to your driving history, vehicle safety features, membership with certain organizations, and more. “Since the pandemic, some carriers have rolled out a ‘work from home’ discount,” says Pearman. “Some drivers can be rewarded for not commuting, driving less, and staying home.”

4. Maintain a good credit score. Insurers can use your credit-based insurance score to determine how likely you are to file a claim. Improve or maintain your credit score to qualify for better premiums on your insurance policy.

5. Drive a safe vehicle. Insuring a car with safety features, like anti-lock brakes, can lower your premiums and qualify you for policy discounts.

Cheapest car insurance for drivers with an incident

Driving incidents include at-fault accidents, speeding tickets, DUIs, and other moving violations. If you have an incident on your motor record, your probability of having another is higher than someone with a clean record. Therefore, your risk profile increases, and your insurer may charge you more for an auto policy.

Drivers with a clean record typically pay the lowest premiums.^[6]

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding can result in more than just a ticket and fine. It can also cause an increase in your insurance premiums. A speeding ticket can remain on your record and negatively affect your premium for several years, but you can still find affordable car insurance.

You’ll find the best deals on car insurance for drivers with speeding tickets in the table below, which shows the average cost of full-coverage car insurance with a speeding ticket.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	75
Erie	87
Mile Auto	90
Auto-Owners	93
Travelers	109
GEICO	116
Nationwide	126
Allstate	131
Clearcover	138
Safeco	148
State Auto	151
USAA	152
Plymouth Rock	165
Midvale Home & Auto	175
Foremost	177
Chubb	177
Liberty Mutual	182
Direct Auto	184
Progressive	198
National General	251
The General	269
CSAA	272
Bristol West	289
Dairyland	305

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you have a recent at-fault accident on your record, insurers may consider you a risky driver. The collision can stay on your record for several years, and as a result, you may pay higher insurance premiums during that period of time.

Fortunately, some insurers still offer competitive premiums to drivers with past at-fault accidents. If this sounds like you, compare the insurers with the cheapest full-coverage quotes below.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	78
Mile Auto	94
Auto-Owners	98
Travelers	115
State Auto	158
Foremost	185

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

DUI convictions can have significant legal and financial repercussions, including a sizable increase in your insurance premiums. After your first DUI charge in Pennsylvania, you can face up to six months of probation, a $300 fine, and mandatory alcohol safety school.^[7]

Some insurers will refuse to insure you after one or more DUI charges, and others may issue more expensive quotes for coverage due to your high-risk status. You can still find cost-effective options for car insurance if you have a DUI in Pennsylvania. Start your search by considering the insurers in the table below, which shows their averages for full coverage with a DUI.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	82
Mile Auto	98
Auto-Owners	102
Travelers	120
State Auto	165
Foremost	194

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Aging can affect driving ability because of factors like slower reaction times and decreased vision, which increase the risk of accidents. Insurers account for this risk by charging drivers slightly higher premiums around the age of 75.

The following car insurance companies still offer inexpensive coverage for senior drivers.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote Full Coverage	Average Monthly Quote Liability Only
Mile Auto	48	35
Travelers	59	49
Allstate	70	57
Clearcover	74	58
Foremost	95	31
Dairyland	164	68

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Though many teenagers view driving as an important milestone, it comes with the downside of high insurance costs. Due to a lack of driving experience, young drivers tend to face much higher car insurance premiums than adults.

However, you can reduce costs as a teen driver by staying on your parents’ insurance, driving a safe car, and taking advantage of good student discounts. Compare quotes from companies that offer the cheapest car insurance options for teens, including the insurers below.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Mile Auto	121
Clearcover	187
Plymouth Rock	224
Direct Auto	249
Progressive	267
National General	340

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Pennsylvania car insurance quotes by credit tier

Pennsylvania allows insurers to check your credit score and use it to determine the likelihood of you filing a claim. An excellent or good credit score can result in lower premiums, and a poor credit score can result in higher premiums.

Here’s a breakdown of what your insurance premiums may look like for each credit score category.

Pennsylvania car insurance FAQs

Insurify Insights

How Pennsylvania Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Pennsylvania below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Pennsylvania drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Pennsylvania

#45

State with the Most Speeding Tickets Rank

#34

State with the Moving Violations Rank

#31

State with the Most DUIs Rank

#39

State with the most Suspended Licenses

• Accidents in Pennsylvania

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Pennsylvania is the #23 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #23
  • Percent of drivers in Pennsylvania with an accident: 8.7%
• DUIs in Pennsylvania

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Pennsylvania is the #31 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #31
  • Percent of drivers in Pennsylvania with a DUI: 1.2%
• Reckless Driving in Pennsylvania

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Pennsylvania is the #29 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #29
  • Percent of drivers in Pennsylvania with a reckless driving offense: 1.2%
• Rude Driving in Pennsylvania

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Pennsylvania is the #28 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #28
  • Percent of drivers in Pennsylvania with a rude driving violation: 1.4%
• Speeding in Pennsylvania

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Pennsylvania is the #45 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #45
  • Percent of drivers in Pennsylvania with a speeding ticket: 6.3%
• Failure to Yield Rates in Pennsylvania

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Pennsylvania is the #25 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #25
  • Percent of drivers in Pennsylvania with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.