Cheap Car Insurance in Pennsylvania (With Quotes, August 2022)

Some of the cheapest car insurance providers in Pennsylvania are Progressive, State Auto, and Liberty Mutual.

Whether you’re in the Alleghenies, the Steel City, or Philadelphia, life is good in the Keystone State. And it’s even better with cheap car insurance. Compared to the national average, Pennsylvania auto insurance is just about average: $200 per month. But if you want really cheap auto insurance, you can’t rely on brotherly love. The key is comparison-shopping.

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These auto insurance companies are selling the cheapest car insurance in Pennsylvania. Take a peek to see where you might be able to find great auto insurance rates. Of course, this is just a starting point. You’ll have to get quotes to know where you can get the lowest insurance premiums for your driving record, coverage limits, location, and other specifics to you.

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Cheapest Liability Auto Insurance in Pennsylvania

Minimum coverage is the cheapest auto insurance. But bodily injury and property damage liability coverage only pay for damage to another person and their car—you’re responsible for your property damage if the car accident is your fault. Still, liability coverage makes for affordable car insurance if you’re comfortable with the risk. These companies have the best rates:

Cheapest Full-Coverage Auto Insurance in Pennsylvania

Full-coverage car insurance enhances your liability coverage with collision coverage, which protects your car no matter what you hit, and comprehensive coverage for vandalism, theft, and “acts of God” like hail, lightning, and errant baseballs. Deductibles are usually $500. These insurance companies have the cheapest full-coverage car insurance quotes in PA:

A cheap auto insurance policy from a bad insurance company isn’t worth the savings. So when you’re buying car insurance, make sure you’re working with a quality insurance provider. To make this easier, Insurify made a rating system called an Insurify Composite Score. The table below shows companies with their ICS and monthly average rates:

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Pennsylvania drivers are offered variable auto insurance rates depending on their driving records. Unsurprisingly, at-fault accidents, DUIs, and speeding tickets will earn you higher insurance premiums, while a clean driving record gets the cheapest car insurance. But you’ll see that no matter your driving history, you can find the right insurance company for you.

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Cheap Car Insurance for Good Drivers in Pennsylvania

A good driver has no at-fault accidents, DUIs, speeding tickets, or other such violations for a period of three to five years. Having a clean driving record will help you find cheap car insurance more easily, but it’s not the only way to lower your rates. These companies are offering the cheapest car insurance quotes to good drivers:

Cheap Car Insurance for Drivers with DUI in Pennsylvania

Other than a car accident you caused, a DUI is one of the most damaging citations that can go on your driving record, and having one will raise your car insurance premiums. In this table, you can browse the car insurance companies that offer the lowest car insurance quotes to Pennsylvania drivers with DUIs.

SR-22 Insurance in Pennsylvania

If a particularly bad incident causes you to lose your driver’s license, some states require an SR-22 certificate notifying the state that you have special high-risk liability coverage. But not the Keystone State. Even though you don’t have to worry about an SR-22 certificate, you can count on these car insurance companies for affordable car insurance if you are a high-risk driver.

Cheap Car Insurance for Drivers with an At-Fault Accident in Pennsylvania

If your driving record has an at-fault accident on it, that’s a red flag for Pennsylvania auto insurance companies setting your insurance premiums. Finding affordable car insurance rates with an at-fault accident only takes a bit more effort. Here are some companies to start:

Cheap Car Insurance for Drivers with Speeding Tickets in Pennsylvania

Getting pulled over stinks, and paying a fine on a speeding ticket stinks more. But the most horrible of all is when your car insurance rates go up after the fact. But not every car insurance company treats speeding tickets with the same degree of severity. You can start with these, which tend to be forgiving:

Sometimes, your credit score can make a huge difference in your auto insurance premiums. In Pennsylvania, the stakes aren’t so high. Poor credit will up your rates by nearly $100, and good credit always helps, but compared to some other states, the losses and rewards based on your credit score are modest.

Liability car insurance is priced based on how liable a Pennsylvania driver is to cause an accident, and with young drivers, and especially teen drivers, that likelihood is significant! The average rate of $320 per month for young drivers comes out to an annual premium of nearly $4,000. But older drivers benefit from very affordable rates.

Even though average rates in Pennsylvania are only slightly below the national average, Philadelphia’s high car insurance rates play a big role. Insurance premiums are much higher there than in any other city in the Keystone State, and that means anywhere else, even in Pittsburgh, affordable car insurance will be easier to come by.

Every state has minimum insurance requirements, and Pennsylvania is no exception. Additionally, all drivers in Pennsylvania will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Pennsylvania.

Minimum Car Insurance Requirements in Pennsylvania

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 be 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^[1] are:

• $15,000 per person for bodily injury
• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Pennsylvania is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $5,000 per accident for Medical Benefits

Medical Benefits, similar to PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Pennsylvania DMV Information

The Commonwealth’s Department of Transportation is ever at your service to get you your driver’s license (or renew it), process your vehicle registration, show you your driving record, and change your address. Much of these services are available online, and 26 locations span the Keystone State.

Public Transportation in Pennsylvania

Despite being a very large state, Pennsylvania has robust transit options between cities and counties. Amtrak connects Harrisburg and New York via Philadelphia, and another train runs from Philly to Pittsburgh. Pennsylvanians with disabilities have access to personal transportation in 66 counties, and buses run on 13 intercity routes.

What is a new car insurance grace period in Pennsylvania?

Most insurance companies give their policyholders a grace period between when they purchase a new car and when they officially insure their car. This period varies in length by state and by provider. Drivers typically have between 7 and 30 days to insure their new car with an insurance policy. Pennsylvania state law penalizes drivers with a lapse in car insurance coverage.

Even though most drivers with existing insurance coverage have a short grace period, drivers should make sure insuring their new car is a top priority. Because grace periods vary by provider, policyholders need to check in with their insurance agent or on the website of their provider to ensure they do not miss the grace period for insuring their vehicle without issue.

What happens if you have a traffic incident or accident during the grace period?

For starters, uninsured drivers in Pennsylvania should not be driving at all. Uninsured drivers and policyholders who let their policies lapse could face any liability and property damage in the event of an accident, potential license suspension, and a $300 fine for driving without insurance. These drivers will risk consequences for other driving offenses also.

Policyholders with existing coverage typically do have a grace period of a few weeks before having to add their new vehicle onto their coverage. If a driver in this situation were to get into a car accident or commit a traffic offense, the existing coverage in their name would likely apply to the new car—as long as the driver is within their insurance company’s set grace period.

Is a grace period a good time to reevaluate your insurance coverage?

Yes, it is always a good idea to continuously consider whether or not your existing coverage still meets your insurance needs. Before insuring a new vehicle or renewing an existing insurance policy, one should shop around for the best rates and available policies. Insurify’s quote-comparison tool comes in handy, allowing users to easily compare affordable rates.

The best car insurance companies take many factors into account when setting your auto insurance rates. Whether you need minimum liability on a beater or high coverage limits on leased SUV that needs a full-coverage auto insurance policy, every auto insurance policy is different—and car insurance companies know this.

That’s why cheap car insurance is a matter of finding the right discounts for your specific circumstances. So let Insurify get you a list of car insurance quotes from across the industry. They’ll be personalized to you, available in minutes, and totally free.