Best Cheap Auto Insurance in Pennsylvania (May 2024)

Drivers in Pennsylvania can find the cheapest car insurance rates with State Farm, starting at $52 per month for liability-only coverage.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Updated May 23, 2024

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Cheapest recent rates in Pennsylvania

Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $78/mo for full coverage in Pennsylvania.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Pennsylvania drivers pay less, on average, for car insurance than the national averages of $215 per month for full coverage and $104 for liability-only policies. Car insurance in the Keystone State averages $195 monthly for full coverage and $91 for minimum coverage, Insurify data shows.

A comparatively low fatality rate, which has declined over the past few years, likely contributes to the commonwealth's lower car insurance costs.[1] Pennsylvania also has a low population density and only three cities with populations of more than 100,000 residents. Less traffic congestion in an area can mean fewer accidents and lower car insurance rates.

Commonwealth drivers can save even more by comparing car insurance quotes from multiple companies. Here's what you need to know about finding affordable car insurance in Pennsylvania.

Quick Facts
  • State Farm, Mile Auto, and Erie are the three cheapest insurers for Pennsylvania drivers.

  • Pennsylvania law allows insurers to consider your credit history when determining rates.[2]

  • Driving without insurance in the state can result in a $300 fine and a three-month suspension of your driver’s license and vehicle registration.[3]

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyBest for
Travelers4.5$148$79Senior drivers
State Auto4.2$191$143Drivers with an incident
State Farm4.6$98$52Drivers who want full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best full-coverage insurance: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
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.
$52/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.
$98/mo

The largest property and casualty insurer in the U.S. by market share, State Farm sells many insurance products, including vehicle, home, property, small business, life, health, pet, and disability insurance. State Farm offers customizable auto insurance at an affordable price. Customers can choose to purchase optional coverages like collision, comprehensive, rental, rideshare, and emergency roadside service insurance.

Pros
  • You can save up to 20% with the Steer Clear discount

  • Bundling opportunities available

Cons
  • Mixed customer reviews online

  • Doesn’t offer gap insurance

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurance for senior drivers: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
860
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.
$79/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.
$148/mo

Travelers, another top 10 national insurer, provides quality coverage that’s affordable. The company is the best option for senior drivers in Pennsylvania. Drivers can earn even lower premiums by qualifying for one or more of the company’s 12 advertised discounts. Customers with home or renters insurance can save by bundling this coverage with their auto policy.

Pros
  • Offers numerous discounts

  • Customizable coverage options

Cons
  • Below-average Better Business Bureau (BBB) customer rating

  • Rideshare coverage only available in Colorado and Illinois

Read our Travelers review
Dylan - May 22, 2024
Verified

Billing Issues

I signed up to have my bill mailed to me, but I almost never received it. This caused me to be late on payments regularly.

Barbara - May 22, 2024
Verified

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

Kathleen - May 20, 2024
Verified

Good

If you have an old house with prior issues, do not contact them for another issue.

Best insurance for driving incidents: State Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
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.
$143/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.
$191/mo

If you have a less-than-perfect driving history, State Auto offers affordable policies for Pennsylvania drivers with speeding tickets, at-fault accidents, or DUIs on record. And you can earn savings by tracking safe driving with the State Auto Safety 360 usage-based driving program. You can save 10% for signing up and up to 50% for demonstrating good driving. State Auto is an Ohio-based regional affiliate of Liberty Mutual.

Pros
  • Various available discounts

  • Telematics program rewards good driving

Cons
  • Above-average volume of customer complaints

  • Below-average BBB customer rating

Read our State Auto review
Brandon - June 22, 2023
Verified

Their customer service is horrible and slow, costing us hundreds of dollars extra in added rental car fees due to their delays.

Their customer service is horrible and slow, costing us hundreds of dollars extra in added rental car fees due to their delays.

Lynnette - February 3, 2021
Verified

Average

Rate increase without notice upon renewal.

Barbara - March 17, 2019
Verified

Excellent

The rates for the auto coverage we get are reasonable.

Cheapest liability-only car insurance in Pennsylvania: State Farm

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.[4]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.

10 cheapest insurers for liability-only

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

Cheapest full-coverage car insurance in Pennsylvania: Mile Auto

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.

10 cheapest insurers for full coverage

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

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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.[5] 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:

CoverageMinimum Requirements
Bodily injury liability$15,000 per person; $30,000 per accident
Property damage liability$5,000 per accident
Medical benefits$5,000

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

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

  • illustration card https://a.storyblok.com/f/162273/x/94dcf3f967/lender-requirement.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/9ffcc07fc9/damage-from-aircraft.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.[6]

  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.[7]

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: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Mile Auto94
State Farm118
Erie140
Auto-Owners148
Safeco156
Midvale Home & Auto171
Plymouth Rock177
Travelers181
GEICO185
Progressive186
Nationwide190
Allstate207
Direct Auto209
Liberty Mutual217
Foremost229
CSAA236
USAA241
State Auto253
National General272
Chubb284
The General288
Bristol West292
Infinity311
Dairyland335
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: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Mile Auto103
State Farm126
Auto-Owners157
Travelers193
Foremost241
State Auto274
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.[8]

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: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Mile Auto105
State Farm159
Auto-Owners197
Travelers239
Foremost275
State Auto309
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: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote Full CoverageAverage Monthly Quote Liability Only
Mile Auto5339
Travelers10556
Allstate12064
Foremost12450
Dairyland20590
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: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Mile Auto133
Progressive263
Plymouth Rock269
Direct Auto295
National General358
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.
Keep Reading: What Are the Best Cars for Senior Drivers?

Keep Reading: What Are the Best Cars for Senior Drivers?

Find Cheap Car Insurance in Pennsylvania

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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.

Rates by Credit Tier

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

Pennsylvania car insurance FAQs

You should prioritize your coverage needs when looking for car insurance in Pennsylvania. The following information should help you navigate finding cheap coverage in the state.

  • How much is car insurance in Pennsylvania?

    On average, Pennsylvania drivers pay $91 per month for liability and $195 per month for full-coverage car insurance. Your specific quote depends on your driving record, credit history, age, vehicle type, location in the state, insurer, coverage levels, and more.

  • What are the best car insurance companies in Pennsylvania?

    State Farm is the best car insurance company in Pennsylvania, thanks to a high IQ Score of 4.4, solid industry rankings, and affordable monthly coverage. Other top insurers in the state include Travelers, with an IQ Score of 4.2, and State Auto, with an IQ Score of 3.8.

  • Can you buy dollar-a-day insurance in Pennsylvania?

    No. Pennsylvania doesn’t offer dollar-a-day insurance. Drivers living in New Jersey, however, can purchase dollar-a-day insurance.

  • What’s the shortest car insurance coverage term you can buy in Pennsylvania?

    Most standard car insurance policies last six or 12 months. However, Hugo, a newer insurer, sells policies that last between three days and six months in Pennsylvania and several other states. If you purchase a flexible coverage plan from Hugo, you can choose to turn your coverage on and off so you pay for coverage only on days when you drive.

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

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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Pennsylvania Department of Transportation. "2022 Pennsylvania Crash Facts & Statistics."
  2. Pennsylvania Insurance Department. "How Credit Relates to Insurance: A Fact Sheet for Pennsylvania Consumers."
  3. Pennsylvania Department of Transportation. "Insurance Law Overview and Frequently Asked Questions."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  6. Insurance Information Institute. "How to save money on car insurance."
  7. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  8. Pennsylvania Department of Transportation. ".08 DUI Legislation."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

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