Cheapest Car Insurance Quotes in Pennsylvania

Pennsylvania drivers can pay as little as $41 for coverage through Hugo. You can get an instant quote through Insurify and purchase coverage within minutes.

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Cheapest recent car insurance quotes in Pennsylvania

Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $83/mo for full coverage in Pennsylvania.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on April 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 April 6, 2026. 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 April 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 April 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Kat Tretina
Written byKat Tretina
Kat Tretina
Kat TretinaInsurance and Personal Finance Writer

  • 9+ years in personal finance writing

  • Certified Financial Counselor

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Becky Helzer
Edited byBecky Helzer
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute

  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, 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 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.

Updated

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Cheapest car insurance quotes in Pennsylvania

Drivers in Pennsylvania pay an average of $93 per month for liability insurance and $147 per month for full- coverage policies, according to Insurify data.

This is slightly less than the national average of $99 per month for liability insurance and $173 per month for full coverage.

We analyzed rates for 120+ insurers to help you find the cheapest coverage in Pennsylvania. Below are the companies with the lowest rates, broken down by driver profile and coverage type.

Driver Category
sort ascsort desc
Cheapest Insurance Company in PA
sort ascsort desc
Cheapest Monthly Quote in PA
sort ascsort desc
OverallHugo$41
State-minimum coverageHugo$41
Full coverageState Farm$83
Drivers with a clean recordHugo$41
After a speeding ticketHugo$51
After an at-fault accidentHugo$51
After a DUIHugo$55
Teen/new driversHugo$68
SeniorsHugo$36
Bad credit Hugo$48
Disclaimer: Table data is based on real-time Pennsylvania quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Pennsylvania: Hugo

Drivers in Pennsylvania must carry car insurance coverage that meets the state’s minimum requirements of $15,000/$30,000 for bodily injury liability and $5,000 for property damage.[1] In Pennsylvania, the companies with the cheapest average liability-only rates are Hugo and National General.

The table below shows the insurance companies with the lowest rates for liability coverage in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Hugo$41
National General$61
State Farm$70
First Acceptance$76
Erie$81
Progressive$81
Auto-Owners$87
Safeco$92
Direct Auto$102
Bristol West$105
Travelers$105
GEICO$109
Root$110
Dairyland$118
Allstate$122
Nationwide$139
USAA$143
GAINSCO$144
Liberty Mutual$157
Chubb$165
CSAA$177
State Auto$192
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Agent Tip: Does liability-only coverage offer enough protection?

Mallory Mooney

Mallory Mooney

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Director of Sales and Client Services, Insurify

Pennsylvania’s minimum-required $5,000 for property damage won’t go very far if you total another driver’s car, so increasing your liability limits can help you avoid paying out of pocket.

Cheapest full-coverage car insurance in Pennsylvania: State Farm

Full-coverage policies combine liability insurance with collision and comprehensive coverage. In Pennsylvania, animal-related collisions are common, making full-coverage policies especially important. In 2025 alone, the state reported nearly 6,500 deer-related collisions — a five-year high — according to the Pennsylvania Department of Transportation (PennDOT).[2]

On average, drivers pay $147 per month for full coverage in the Keystone State.

Here’s a look at the companies with the cheapest full-coverage rates in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$83
Erie$96
Auto-Owners$103
Travelers$125
GEICO$129
Allstate$145
National General$145
Progressive$145
Safeco$151
Nationwide$165
Liberty Mutual$169
USAA$169
First Acceptance$176
Direct Auto$181
Root$184
Chubb$196
Bristol West$201
State Auto$227
CSAA$232
GAINSCO$275
The General$278
Dairyland$281
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Pennsylvania

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $83/mo for full coverage in Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $83/mo for full coverage in ..

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on April 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 April 6, 2026. 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 April 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 April 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Best cheap car insurance companies in Pennsylvania

Pennsylvania’s top weather risks are floods, fires, and winter storms.[3] And while the state sees a number of tornadoes each year, it experiences as many as 10 to 20 times as many damaging wind events.[4]

Comparing quotes from the best car insurance companies in Pennsylvania can help you find low rates and quality coverage for your vehicle. We’ve listed three of our top picks below.

State Farm: Best for full-coverage policies in Pennsylvania

State Farm logofull-coverage policies in Pennsylvania
User Reviews
4.0
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.
$70/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.
$83/mo
4.0
Best choiceBased on 16,769 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.83.1
Value3.72.9
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing 52 reviews from Pennsylvania driversSee all 7,339 State Farm reviews
Dave
Verified Review
Raising Rates Because They Can
Reviewed in Pennsylvania on April 6, 2026
I have been a State Farm customer for 50 years and have not placed a claim for, I would guess, 30 years. They just raised my homeowner's rate by 20% because, according to the agency office, they are raising all condo rates. State Farm is no longer a good neighbor.
Patricia
Verified Review
Too high!
Reviewed in Pennsylvania on April 2, 2026
Too expensive for the few daily driven miles.
Karen
Verified Review
Excellent
Reviewed in Pennsylvania on March 20, 2026
Shannon was excellent. She got the job done and knew what she was doing! Very happy!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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++
Why we picked this company

State Farm is the largest auto insurance company in Pennsylvania, accounting for nearly 28% of the state’s auto insurance market.

In addition to offering customizable coverage at affordable rates, the company has an extensive agent network in Pennsylvania. It also offers a highly rated mobile app and earns high customer satisfaction ratings from J.D. Power.

Pros

  • Low rates in Pennsylvania

  • Highly rated by J.D. Power for customer satisfaction

  • Available rideshare insurance 

Cons

  • Gap insurance not available

  • No vanishing deductible

  • Rates increase significantly for drivers with poor credit

National General: Best for high-risk drivers in Pennsylvania

National General logohigh-risk drivers in Pennsylvania
User Reviews
3.7
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.
7 /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.
$61/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.
$145/mo
3.7
A solid optionBased on 1,121 verified driver reviews and ratings
National General's score
Industry average
Coverage options3.43.2
Customer service2.73.6
Discounts3.12.9
Policy transparency3.33.1
Value3.02.9
How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Showing recent national reviews
Mathew
Verified Review
Poor
Reviewed in Georgia on April 5, 2026
Much better, cheaper, and lenient with payment.
Ruby
Verified Review
My Experience
Reviewed in Virginia on April 3, 2026
It's okay, but a bit high.
Lori
Verified Review
When I first got insurance with The General, they were cheap, low-quality insurance (like over ten years ago), and now they are one of the more expensive options for the money. Don't get me wrong, everyone there is always great.
Reviewed in Missouri on April 3, 2026
When I first got insurance with The General, they were cheap, low-quality insurance (like over ten years ago), and now they are one of the more expensive options for the money. Don't get me wrong, everyone there is always great.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
595
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25
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+
Why we picked this company

If you’re among the nearly 8% of Pennsylvania drivers with a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction on your record, insurers may classify you as a high-risk driver and charge higher rates.

Backed by Allstate, National General specializes in non-standard coverage and offers lower rates than other insurers for high-risk drivers. While the company offers several discounts and various payment options, J.D. Power gives National General a low customer satisfaction rating.

Pros

  • Competitive rates for PA drivers with tickets or DUIs

  • Multiple available discounts

  • Convenient payment options

Cons

  • Below-average J.D. Power customer satisfaction rating

  • No rideshare or gap insurance

  • Poor Trustpilot reviews

Erie: Best for rideshare drivers in Pennsylvania

Erie Insurance logorideshare drivers in Pennsylvania
User Reviews
4.4
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.
8.4 /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.
$81/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.
$96/mo
4.4
Best choiceBased on 507 verified driver reviews and ratings
Erie Insurance's score
Industry average
Coverage options4.23.2
Customer service3.63.6
Discounts3.82.9
Policy transparency4.03.1
Value3.72.9
How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Showing 27 reviews from Pennsylvania driversSee all 230 Erie Insurance reviews
James
Verified Review
Love Erie
Reviewed in Pennsylvania on April 1, 2026
The rates for a new vehicle on our policy are insane.
James
Verified Review
Erie
Reviewed in Pennsylvania on March 11, 2026
Good value.
Robert
Verified Review
One of the Best Auto Insurance Companies
Reviewed in Pennsylvania on March 2, 2026
So far, they seem to be one of the best companies for auto insurance for my age. When shopping around, not only do they have the best price, but they also have one of the highest ratings.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
713
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
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+
Why we picked this company

Erie Insurance ranks among the top companies for customer satisfaction and also offers some of the lowest car insurance rates in Pennsylvania.

Rideshare services are popular in Pennsylvania, with more than 62,000 Uber drivers in Philadelphia alone, according to HR&A Advisors. Erie’s rideshare endorsement covers rideshare drivers during every stage of the trip.

Pros

  • Available rideshare coverage

  • Excellent J.D. Power customer satisfaction rating

  • Offers pet medical coverage if your pet is injured while riding in your car

Cons

  • Usage-based program offers rewards instead of discounts

  • No online quotes

  • Fewer discounts than some competitors

How car insurance costs in Pennsylvania have changed

Insurance rates in Pennsylvania have remained fairly steady, with a projected 0.4% increase by the end of 2026. The average cost of car insurance in Pennsylvania is projected to reach $1,867 per year for full coverage by the end of 2026.

Average car insurance costs in Pennsylvania over time

The table below highlights car insurance rates in Pennsylvania over the past five years.

Average Pennsylvania Car Insurance Rates Over the Past Five Years

State Name
2021-03
2021-04
2021-05
2021-06
2021-07
2021-08
2021-09
2021-10
2021-11
2021-12
2022-01
2022-02
2022-03
2022-04
2022-05
2022-06
2022-07
2022-08
2022-09
2022-10
2022-11
2022-12
2023-01
2023-02
2023-03
2023-04
2023-05
2023-06
2023-07
2023-08
2023-09
2023-10
2023-11
2023-12
2024-01
2024-02
2024-03
2024-04
2024-05
2024-06
2024-07
2024-08
2024-09
2024-10
2024-11
2024-12
2025-01
2025-02
2025-03
2025-04
2025-05
2025-06
2025-07
2025-08
2025-09
2025-10
2025-11
2025-12
2026-01
2026-02
2026-03
United States1,5691,5601,5571,5531,5551,5591,5591,5641,5671,5691,5701,5731,5801,5941,6041,6091,6141,6201,6271,6341,6421,6531,6671,6901,7211,7591,8031,8511,8881,9201,9581,9852,0072,0372,0772,1292,1952,2412,3012,3422,3692,3902,3862,3732,3702,3612,3492,3642,3662,3662,3552,3412,3182,2862,2572,2282,2152,2222,2232,2242,233
Pennsylvania1,3011,2881,3121,3311,3301,3081,3091,2911,3011,3001,3091,3041,3081,3211,3201,3051,2841,2771,2771,2761,2721,2701,2791,3011,3041,3161,3341,3711,4061,4371,4491,4841,4931,4981,5091,5691,6101,6631,7681,9352,0532,0982,1002,1502,1832,2102,1982,1892,1732,1482,1202,0842,0001,9441,9151,8841,8801,8931,8921,8991,916

Shop for Car Insurance in Pennsylvania

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Pennsylvania car insurance requirements

As in nearly every state, Pennsylvania requires all drivers to have car insurance. If you drive without adequate coverage, the state may fine you, suspend your license, and revoke your vehicle registration sticker and license plate.

You need at least the following minimum coverage in Pennsylvania:

    illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Bodily injury liability

    $15,000 per person and $30,000 per accident

    illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Property damage liability

    $5,000 per accident

    illustration card https://a.storyblok.com/f/162273/150x150/c0464d37ca/medical-services-96x96-orange_050-medical-kit.svg

    Medical benefits

    $5,000

Car insurance rates across Pennsylvania cities

Your location affects your insurance rate. Drivers in Philadelphia tend to have the highest rates, thanks to the city’s congestion and property crime rates. If you live in a rural area, such as Lancaster, or in a smaller city, such as Hanover, you’ll typically pay lower rates.

Below are average monthly quotes for several cities in Pennsylvania.

City
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Allentown$143
Bethlehem$115
Erie$118
Harrisburg$119
Lancaster$111
Philadelphia$215
Pittsburgh$118
Reading$129
Scranton$127
State College$100
Wilkes-Barre$112
York$111
Disclaimer: Table data is based on real-time Pennsylvania quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Pennsylvania for drivers with a clean record: Hugo

People in Pennsylvania with a clean driving record, meaning no speeding tickets or accidents, typically pay the lowest insurance rates. In Pennsylvania, drivers with a clean record and good credit pay an average of $83 per month for liability insurance.

The table below shows the cheapest rates for drivers with a clean record in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Hugo$40
National General$56
State Farm$67
Erie$76
First Acceptance$78
Progressive$83
Auto-Owners$84
Direct Auto$97
Safeco$98
Travelers$100
Bristol West$103
GEICO$109
Root$110
Dairyland$111
Allstate$122
Nationwide$132
GAINSCO$137
USAA$138
Chubb$152
Liberty Mutual$164
State Auto$178
CSAA$185
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Pennsylvania for drivers with a speeding ticket: Hugo

If you’re pulled over for speeding in Pennsylvania, you could get a ticket and a fine as high as $102.[5] Speeding tickets typically increase your insurance rates. In Pennsylvania, drivers with a speeding ticket pay an average of $108 per month for liability-only coverage.

The following table highlights the cheapest insurers for drivers with speeding tickets in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Hugo$51
National General$73
State Farm$86
First Acceptance$88
Progressive$94
Erie$103
Auto-Owners$110
Safeco$117
Direct Auto$123
Bristol West$127
Travelers$132
GEICO$138
Root$142
Dairyland$142
Allstate$154
GAINSCO$165
Nationwide$174
USAA$179
Liberty Mutual$193
Chubb$202
CSAA$218
State Auto$247
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Affordable car insurance in Pennsylvania with an at-fault accident: Hugo

In Pennsylvania, you have five days to notify PennDOT of an accident involving death, injury, or a vehicle that requires towing.[6] Failure to do so can result in fines or the suspension of your driver’s license.

Nearly 5% of drivers in Pennsylvania have an at-fault car accident on their record, according to Insurify data. The average price of a liability-only policy with an at-fault accident is $119 per month.

The data below highlights the lowest rates for drivers with an at-fault accident on their records in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Hugo$51
National General$80
State Farm$91
First Acceptance$97
Progressive$104
Erie$106
Auto-Owners$113
Safeco$127
Bristol West$136
Direct Auto$137
Travelers$139
GEICO$139
Root$145
Dairyland$154
Allstate$161
GAINSCO$181
Nationwide$184
USAA$189
Liberty Mutual$205
Chubb$215
CSAA$256
State Auto$258
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes for Pennsylvania drivers with a DUI: Hugo

In 2024, Pennsylvania recorded 244 crashes with alcohol-related fatalities, according to the state Department of Transportation.[7] Penalties for a first-time offense of driving under the influence include a $300 fine, highway safety classes, installing an ignition interlock device for one year, and up to six months of probation.

Drivers with a DUI in Pennsylvania pay an average of $113 per month for liability coverage.

The following table shows the cheapest liability rates for drivers with a DUI in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Hugo$55
National General$82
First Acceptance$92
State Farm$95
Progressive$99
Erie$109
Auto-Owners$118
Safeco$133
Direct Auto$138
Bristol West$142
Travelers$142
GEICO$145
Root$149
Dairyland$159
Allstate$165
Nationwide$188
USAA$193
GAINSCO$195
Liberty Mutual$212
Chubb$223
CSAA$239
State Auto$242
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

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Liability quotes in Pennsylvania start at $41/mo.

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Cheapest car insurance for teen drivers in Pennsylvania: Hugo

In Pennsylvania, teens have a junior license until they’re 18. During this time, they can’t drive between 11 p.m. and 5 a.m. (unless for work) and can have only one non-family member younger than age 18 in the car.[8]

Because teens are more likely to be in serious accidents than other age groups, they pay some of the highest premiums. In Pennsylvania, teen drivers pay an average of $171 per month for liability insurance.

The data below shows the companies with the cheapest auto insurance coverage for teen drivers in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Hugo$68
National General$124
State Farm$137
First Acceptance$139
Progressive$149
Erie$149
Auto-Owners$176
Safeco$186
Bristol West$189
Root$191
GEICO$196
Direct Auto$197
Dairyland$203
Travelers$219
Allstate$243
GAINSCO$264
USAA$266
Nationwide$273
Liberty Mutual$278
CSAA$297
Chubb$343
State Auto$469
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes in Pennsylvania for senior drivers: Hugo

Because seniors often drive fewer miles than average and have fewer accidents than other age groups, they typically pay less for insurance. Plus, drivers in Pennsylvania age 55 and older who complete a Basic Mature Driver Improvement Course can receive a 5% car insurance discount.[9]

Drivers in their 60s and 70s pay an average of $83 per month for liability-only insurance in Pennsylvania.

The following table shows the companies with the lowest rates for senior drivers in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Hugo$36
National General$49
State Farm$56
Erie$63
First Acceptance$67
Auto-Owners$70
Progressive$72
Safeco$82
Direct Auto$83
Travelers$85
GEICO$88
Bristol West$89
Root$93
Allstate$100
Dairyland$101
Nationwide$108
USAA$118
GAINSCO$124
Chubb$127
Liberty Mutual$133
CSAA$145
State Auto$148
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Pennsylvania car insurance quotes with bad credit: Hugo

Pennsylvania law allows insurance companies to consider your credit history as part of their underwriting process. Drivers in Pennsylvania with poor credit tend to pay higher rates for coverage, with a liability-only policy averaging $105 per month.

Below are some of the lowest auto insurance quotes for drivers with bad credit in Pennsylvania.

The below rates in Pennsylvania are estimated rates current as of: Sunday, March 8 at 5:00 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Hugo$48
National General$71
First Acceptance$85
Progressive$91
State Farm$96
Safeco$108
Erie$113
Direct Auto$119
Bristol West$123
Travelers$123
Auto-Owners$124
GEICO$127
Root$129
Dairyland$138
Allstate$143
Nationwide$162
USAA$166
GAINSCO$168
Liberty Mutual$178
CSAA$201
State Auto$225
Chubb$254
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Pennsylvania

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Pennsylvania car insurance FAQs

For more information on Pennsylvania car insurance, see the answers to frequently asked questions below.

  • What are the best car insurance companies in PA?

    In Pennsylvania, the best car insurance companies include Erie Insurance, National General, and State Farm. We selected these companies based on their rates, customer service, and coverage options.

  • What is the average cost of car insurance in Pennsylvania?

    On average, drivers in Pennsylvania pay $93 per month for liability insurance and $147 per month for a full- coverage policy, Insurify data shows.

  • Which company has the best customer service in Pennsylvania?

    Erie Insurance received the top ranking in the J.D. Power U.S. Auto Claims Satisfaction Study and a very high overall customer satisfaction score in the mid-Atlantic region.

  • What car insurance is required in Pennsylvania?

    Pennsylvania state law requires drivers to purchase car insurance with $15,000/$30,000 in bodily injury liability protection, $5,000 in property damage liability, and $5,000 in medical benefits.

  • Which company has the cheapest car insurance in Pennsylvania?

    Hugo is the cheapest insurer in Pennsylvania, according to Insurify data, with an average monthly rate of $41 for liability-only coverage.

  • How can you save money on car insurance in Pennsylvania?

    You can save money on your Pennsylvania car insurance policy by switching to a usage-based insurance policy, bundling auto and homeowners insurance, asking about safe driving discounts, or increasing your deductibles.

Sources

  1. Commonwealth of Pennsylvania. "Auto & Motorcycle Insurance."
  2. Commonwealth of Pennsylvania. "PennDOT, Safety Partners Remind Motorists to Watch for Deer on Roadways."
  3. Commonwealth of Pennsylvania. "Possible Hazards."
  4. Mercer County Pennsylvania. "Department of Publi Safety Tornado & Severe Weather Preparedness."
  5. Pennsylvania Traffic Injury Prevention Project. "Speeding Fine Scale."
  6. Commonwealth of Pennsylvania. "Pennsylvania's Point System."
  7. Pennsylvania Department of Transportation. "Pennsylvania Crash Facts & Statistics."
  8. Commonwealth of Pennsylvania. "Young Driver."
  9. Commonwealth of Pennsylvania. "Mature Drivers."

Methodology

Insurify data scientists analyzed more than 190 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 500+ 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.

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Kat Tretina
Written byKat TretinaInsurance and Personal Finance Writer
Kat Tretina
Kat TretinaInsurance and Personal Finance Writer

  • 9+ years in personal finance writing

  • Certified Financial Counselor

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Becky Helzer
Edited byBecky HelzerEditor
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute

  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, 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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