Cheap Auto Insurance Quotes in Pennsylvania (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Save More Coal on Car Insurance

With over 12 million registered vehicles on the roadways of Pennsylvania, a solid auto insurance policy is essential for Keystone State drivers of all ages and backgrounds. This guide to Pennsylvania car insurance will get you on the right path to the perfect policy for you and your lifestyle. Compare the cheapest and best quotes in Pennsylvania here

Cheapest Car Insurance in Pennsylvania

Here are the cheapest carriers in Pennsylvania for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Pennsylvania.

Best Car Insurance in Pennsylvania

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Pennsylvania. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Pennsylvania

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Pennsylvania to find you the cheapest quotes in each of these metropolitan areas.

Philadelphia, the #1 most populous city in Pennsylvania, is known to be a frustrating driving scene for locals and tourists alike. The Philadelphia Parking Authority (PPA) is notorious for taking its mission of ticketing illegal parkers very seriously.

CityCheapest CarrierQuote
GEICOGEICO
$189/mo
ProgressiveProgressive
$58/mo
State FarmState Farm
$94/mo
State FarmState Farm
$78/mo
State FarmState Farm
$90/mo
State FarmState Farm
$78/mo
ProgressiveProgressive
$72/mo
ProgressiveProgressive
$66/mo
State FarmState Farm
$98/mo
State FarmState Farm
$77/mo
State FarmState Farm
$67/mo
State FarmState Farm
$71/mo
ProgressiveProgressive
$44/mo
State FarmState Farm
$72/mo
ProgressiveProgressive
$69/mo
ProgressiveProgressive
$73/mo
ProgressiveProgressive
$49/mo

Pennsylvania Driving Facts

Minimum Car Insurance Requirements in PA

All motor vehicles operated or parked on Pennsylvania roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Pennsylvania are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Pennsylvania state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Pennsylvania law.

  • $5,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Pennsylvania is $5,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $5,000/accident for Medical Benefits (PIP)

The minimum requirements in Pennsylvania include $5,000 first-party benefits towards medical expenses per accident. Insurance companies offer higher limits of up to $100,000 per accident.

Pennsylvania is the only state in the country that requires “first-party benefits coverage.” These benefits act as coverage in an accident regardless of fault.

pennsylvania

Cheapest Car Insurance Quotes in Pennsylvania by Profile

Here are the cheapest insurance companies in Pennsylvania based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Pennsylvania drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Pennsylvania, at $44 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuote
Progressive
$44/mo
State Farm
$48/mo
Allstate
$102/mo
GEICO
$111/mo
Travelers
$123/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuote
USAA
$32/mo
Erie
$37/mo
State Farm
$37/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuote
Penn National
$23/mo
Erie
$31/mo
USAA
$32/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuote
Erie
$24/mo
USAA
$24/mo
Penn National
$32/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Pennsylvania, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $20 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Pennsylvania 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Pennsylvanians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuote
USAA
$20/mo
Erie
$23/mo
Penn National
$25/mo
Donegal
$31/mo
State Farm
$32/mo

SR‌-22 Insurance in Pennsylvania

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Pennsylvania on your behalf.

PA DMV Information

With a population nearing 13 million, it’s no wonder the Pennsylvania Department of Transportation and Vehicle Services has DMV locations across the state. Most offices are open weekdays from 9 AM to 5 PM, with some sites offering additional early-morning and weekend hours. Some Pennsylvania Department of Motor Vehicles outposts allows residents to make appointments in advance. Skip the notoriously long lines and waits times by contacting your local DMV ahead of time to see if you can make an appointment.

Pennsylvania residents may be able to skip their visit to the DMV altogether and get what they need through their online portal. REAL ID, vehicle registration, license and identification services, proof of insurance, license plates, and other vehicle services can be accessed online without visiting the DMV at all.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Pennsylvania

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Pennsylvania offers many green driver incentives, including federal tax credits, rebates, grants, loans, and discounts through some car insurance carriers.

Greenes Cities

Lansdale

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Reading

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Erie won Insurify's Most Patriotic Cities Award for the state of Pennsylvania. The United States Department of Veterans Affairs operates the Erie Veterans Affairs Medical Center on East 38th Street.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Pennsylvania is vital for all car insurance shoppers hitting the road in The Keystone State.

road with cars illustration

Road Rankings

22%Rural Roads in
Poor Condition

#7Ranked

22%Structurally Deficient
Rural Bridges

#1Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#22Ranked


FAQs - Pennsylvania Car Insurance

I have a DUI, will that affect my car insurance premiums?

If you are charged with a DUI or other similar offense in the state of Pennsylvania, your insurance premiums may suffer greatly. Relative to other US states, premiums in Pennsylvania tend to increase less after serious driving infractions. After a DUI, you will lose eligibility to opt into safe or good-driver discounts.

If my friend borrows my car and is involved in a car accident, are damages covered?

If you've given a friend "permissive use" to borrow your car, meaning you've granted them permission to drive your vehicle, and they are involved in an accident, damages should be covered. The percentage of the payout may vary based on your specific policy.

Who has the cheapest car insurance in Pennsylvania?

The best way to get the cheapest car insurance in Pennsylvania and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.