Cheapest Auto Insurance in Pennsylvania (2024)

Drivers in Pennsylvania can find the cheapest car insurance rates with State Farm, starting at $51 per month for liability-only coverage.

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Cheapest recent rates in Pennsylvania

Recent Pennsylvania car insurance prices for KIA, Audi, Hyundai , and more.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on October 10, 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 October 10, 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 October 10, 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 October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated October 10, 2024

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Car insurance in Pennsylvania averages $174 monthly for full coverage and $91 for minimum coverage, Insurify data shows. Pennsylvania drivers pay less for car insurance than the national averages of $211 per month for full coverage and $104 for liability-only policies.

A comparatively low fatality rate, which has declined over the past few years, likely contributes to the commonwealths 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. Heres 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 drivers pay an average of $2,088 per year for full-coverage car insurance.

  • Driving without insurance in Pennsylvania can result in a $300 fine and a three-month suspension of your driver’s license and vehicle registration.[2]

3 of the 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 cheapest car insurance companies in Pennsylvania.

Insurance Company
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.
Full Coverage
Liability Only
State Farm9.3$107$51
Travelers9.0$160$76
Erie9.0$123$59
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.
  • Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$51/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.
$107/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 more driver reviews of State Farm
Antoinette - October 10, 2024
Verified

Not Happy

They did not inform me when they increased the insurance premium. It seems like the agent is receiving most of the payment.

Jerry - October 10, 2024
Verified

Good Insurance

State Farm is a good insurance company. It handles claims quickly. The only reason I want to change is the high cost of the insurance.

Sanford - October 10, 2024
Verified

Not Happy

I wouldn't recommend using State Farm. I found them to be overpriced.

Travelers

Compare personalized, real-time quotes
User Reviews
3.4
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.
9.0/10
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.
$76/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.
$160/mo

Travelers, another top 10 national insurer, provides quality coverage that’s affordable. 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 more driver reviews of Travelers
Melissa - October 10, 2024
Verified

Great Customer Service but High Rates

The rates are too high.

Joseph - October 10, 2024
Verified

Car Insurance

The rates are the lowest compared to other major insurance companies.

Andrew - October 7, 2024
Verified

Constant Rate Increases

The rates are constantly increasing.

Erie

Compare personalized, real-time quotes
User Reviews
3.9
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.
9.0/10
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.
$59/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.
$123/mo

With its headquarters in Erie, this insurer has been in business since 1925 and has many agents available in Pennsylvania to help you customize your car insurance policy. Its standard policies include first accident forgiveness, windshield repair, and pet injury coverage, which not all insurers offer.

The company also has several add-on coverage options, including motorcycle insurance, new car replacement, and rental car coverage.

Pros
  • Top J.D. Power customer satisfaction rating in Pennsylvania

  • A+ (Superior) financial strength rating from AM Best

Cons
  • Available in only 12 states

  • Can’t file claims online

Read more driver reviews of Erie Insurance
Doan - October 9, 2024
Verified

Excellent

It's easy to buy what you need at a good price.

Bruce - October 8, 2024
Verified

OK

It's OK. I haven't made any claims. The rates were low at first, but not so much now.

Donna - October 7, 2024
Verified

Heads up

Be prepared for them to deduct your money early if you're on an automatic deduction plan.

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 equal 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:[3]

  • Shop around. You should compare quotes from at least three quality insurers to find the coverage you need at an affordable price.

  • 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.

  • Add discounts. You should always take advantage of discounts related to your driving history, vehicle safety features, membership with certain organizations, and more.

  • Maintain good credit. 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.

  • 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 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 dont 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.

Liability-only insurance in Pennsylvania costs $91 per month, on average. Check out the chart below to find Pennsylvania’s most cost-effective liability-only car insurance.

10 Cheapest Liability-Only Insurers

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 people 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.

Pennsylvania drivers pay an average of $174 per month for a full-coverage policy.

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 Full-Coverage Insurers

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 recent rates in Pennsylvania

Recent Pennsylvania car insurance prices for KIA, Acura, Hyundai , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 10, 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 October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 10, 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 October 10, 2024. 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 policyholders’ medical bills related to an accident, regardless of fault.

In Pennsylvania, you must carry a minimum amount of liability insurance, as well as medical benefits coverage through personal injury protection (PIP) or medical payments (MedPay) coverage. 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:[5]

Coverage
Minimum 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 coverage

    If the at-fault party doesn’t have enough insurance to cover your medical expenses or vehicle repairs, this insurance fills coverage gaps. Uninsured/underinsured motorist 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 coverage

    After a non-collision event, like weather, theft, or vandalism, causes vehicle damage, comprehensive insurance pays for repairs.

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

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    Gap coverage

    Gap insurance, also known as guaranteed asset protection, can help pay off your car loan if an accident totals your car (or someone steals it) and you owe more on your loan than your insurance company pays.

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

    Accident forgiveness coverage

    Some insurance companies offer accident forgiveness coverage, which guarantees your premium wont 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 extra for it.

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

    Roadside assistance coverage

    Many insurers offer roadside assistance coverage 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.

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]

Find Car Insurance in Pennsylvania

Liability rates start at $60 per month for drivers with an incident

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ProgressiveLiberty MutualAllstate

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

Speeding can result in more than just a ticket and a fine. It can also cause an increase in your insurance premiums. Liability insurance costs an average of $114 per month for Pennsylvania drivers with a speeding ticket.

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 liability car insurance for drivers with a clean record and drivers with a speeding ticket.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Company
Clean Driving Record
With Speeding Ticket
State Farm$51$62
Mile Auto$55$69
Erie$59$74
Auto-Owners$63$77
National General$67$82
Plymouth Rock$67$88
Travelers$76$93
Foremost$76$101
GEICO$79$96
Progressive$79$96
Safeco$84$104
Allstate$89$108
Direct Auto$92$112
The General$96$119
Nationwide$100$123
USAA$103$125
Chubb$119$148
Dairyland$127$155
Bristol West$128$156
State Auto$139$185
Liberty Mutual$141$187
CSAA$150$187
Hugo$182$220
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.

Drivers in Pennsylvania with an accident on record pay a monthly average of $121 for a liability-only policy.

Fortunately, some insurers still offer competitive premiums to drivers with past at-fault accidents. In the table below, you can see how monthly liability rates for drivers with a clean record compare to liability rates for drivers with an accident.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Company
Clean Driving Record
With Accident
State Farm$51$65
Mile Auto$55$75
Erie$59$78
Auto-Owners$63$82
National General$67$87
Plymouth Rock$67$93
Travelers$76$99
Foremost$76$105
GEICO$79$102
Progressive$79$103
Safeco$84$106
Allstate$89$115
Direct Auto$92$121
The General$96$126
Nationwide$100$130
USAA$103$133
Chubb$119$155
Dairyland$127$163
Bristol West$128$164
State Auto$139$197
Liberty Mutual$141$196
CSAA$150$202
Hugo$182$253
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. Pennsylvania drivers with a DUI pay monthly averages of $139 for liability coverage and $265 for full coverage.

But 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.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Company
Clean Driving Record
With DUI
State Farm$51$81
Mile Auto$55$87
Erie$59$94
Auto-Owners$63$100
National General$67$106
Plymouth Rock$67$106
Travelers$76$121
Foremost$76$121
GEICO$79$125
Progressive$79$125
Safeco$84$133
Allstate$89$141
Direct Auto$92$146
The General$96$152
Nationwide$100$159
USAA$103$164
Chubb$119$189
Dairyland$127$202
Bristol West$128$203
State Auto$139$221
Liberty Mutual$141$224
CSAA$150$238
Hugo$182$289
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: State Farm

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 age 70.

Senior drivers in Pennsylvania pay $69 per month for liability coverage and $132 per month for full coverage, on average.

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

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Company
Liability Only
Full Coverage
State Farm$26$54
Mile Auto$29$38
Erie$30$62
Auto-Owners$33$71
Progressive$35$72
National General$37$86
Plymouth Rock$37$74
Travelers$42$88
GEICO$44$89
Foremost$44$127
Nationwide$48$99
Allstate$50$102
Direct Auto$51$104
Safeco$55$94
Chubb$55$114
USAA$59$120
The General$59$149
State Auto$71$150
Dairyland$74$171
Bristol West$75$139
CSAA$76$90
Liberty Mutual$86$127
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?

Cheapest car insurance for teens: State Farm

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 face much higher car insurance premiums than adults.

Liability insurance for teen drivers in Pennsylvania costs an average of $144 per month, and full coverage costs $275 per month.

But 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 in the table below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Company
Liability Only
Full Coverage
State Farm$83$174
Erie$95$197
Mile Auto$102$134
Auto-Owners$102$216
GEICO$119$241
National General$127$297
Foremost$129$370
Plymouth Rock$130$259
Travelers$131$276
Progressive$134$275
The General$145$369
Allstate$150$305
Direct Auto$160$324
Safeco$161$276
USAA$163$333
Nationwide$165$339
Dairyland$198$457
Bristol West$206$385
Chubb$215$442
CSAA$231$271
State Auto$236$495
Liberty Mutual$238$350
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.

Find Car Insurance for Teens in Pennsylvania

Teen liability rates average $144 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Pennsylvania car insurance quotes by credit tier

Pennsylvania allows insurers to check your credit history 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 tier.

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 $174 per month for full-coverage car insurance. Your specific quote depends on your driving record, credit history, age, vehicle type, ZIP code, insurer, coverage levels, and more.

  • What is the cheapest car insurance company in Pennsylvania?

    State Farm is the cheapest car insurance company in Pennsylvania, with monthly liability-only rates of $51.

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

    No. Pennsylvania doesn’t offer dollar-a-day insurance. But drivers living in New Jersey 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. But Hugo, a newer insurer, sells policies that last between three days and six months in Pennsylvania and several other states. You can buy coverage for as little as three days at a time, paying smaller amounts more frequently instead of all at once. But the insurer only offers state-minimum coverage.

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 Department of Transportation. "Insurance Law Overview and Frequently Asked Questions."
  3. Insurance Information Institute. "How to save money on car insurance."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. 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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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 HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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