Best Car Insurance in Pennsylvania (2026)
The best car insurance companies in Pennsylvania include State Farm, Erie, and Auto-Owners.
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Written byAlani Asis
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
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Edited bySara Getman
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Sara GetmanAssociate Editor
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
Shopping for a car insurance company can be tough. You have many factors to consider, like your coverage needs and budget. Choosing the right car insurance starts with knowing your priorities. That’s why Insurify compared 50 insurers to find the best car insurance companies in Pennsylvania for various drivers.
Here’s what you need to know about finding the best car insurance in Pennsylvania.
Best car insurance companies in Pennsylvania
With so many car insurance companies to choose from, finding the best policy can feel overwhelming. The best car insurance companies in Pennsylvania include State Farm, Erie, Auto-Owners, USAA, and Allstate. Here’s why Insurify picked these insurers for Pennsylvania drivers.
State Farm: Best overall
| 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 choice in PennsylvaniaBased on 16,138 verified driver reviews and ratings
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 in Pennsylvania for
Customer service
Competitive rates
Discounts for safe drivers
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 in Pennsylvania for
Customer service
Competitive rates
Discounts for safe drivers
Showing 51 reviews from Pennsylvania drivers - See all 7,236 State Farm reviews
Reanna
Verified Review
Too expensive
Reviewed in Pennsylvania on March 15, 2026
Too expensive and they didn't offer to try to get me a better rate.
Lynn
Verified Review
All Good
Reviewed in Pennsylvania on March 9, 2026
All good experiences, just getting a little expensive.
Lisa
Verified Review
Great coverage but too costly
Reviewed in Pennsylvania on March 8, 2026
It's good coverage but expensive.
Glenda
Verified Review
Blame Claim
Reviewed in Pennsylvania on March 3, 2026
A horse and buggy hit my car, and they claimed it was my fault because it was not a motor vehicle. They considered my car totaled. The title is missing, so the claim is still open. It's been a year this month.
Joanna
Verified Review
Long time customer
Reviewed in Pennsylvania on February 23, 2026
Dependable.
Robert
Verified Review
Coverage is good, but with the rate my premiums are rising, I might be switching after 38 years with State Farm.
Reviewed in Pennsylvania on February 20, 2026
Coverage is good, but with the rate my premiums are rising, I might be switching after 38 years with State Farm.
Anthony
Verified Review
Auto Insurance Greed
Reviewed in Pennsylvania on February 9, 2026
They kept raising my insurance every month for months. I now pay $435.00 a month for two vehicles.
Fred
Verified Review
Review of Questions
Reviewed in Pennsylvania on February 6, 2026
The only issue is the cost.
Margaret
Verified Review
Rip-off
Reviewed in Pennsylvania on January 18, 2026
I have been with State Farm for all of my driving life, nearly 60 years, and with only one accident, no tickets, and no DUIs. The cost is way too high for a 76-year-old driver who has been loyal "forever." The team I'm with is great, but the cost is terrible.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 will appeal to most drivers in Pennsylvania due to its affordable pricing and long-standing reputation. Families with young drivers can also find several discounts to lower their costs.
Pros
Affordable premiums
Rideshare insurance available
High J.D. Power rating for claims satisfaction
Cons
Accident forgiveness not available
Doesn’t work with independent agents
Limited coverage options
Erie: Best for affordability
| 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 choice in PennsylvaniaBased on 493 verified driver reviews and ratings
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 in Pennsylvania for
High customer satisfaction
Competitive rates
Optional coverages
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 in Pennsylvania for
High customer satisfaction
Competitive rates
Optional coverages
Showing 29 reviews from Pennsylvania drivers - See all 228 Erie Insurance reviews
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.
Ivan
Verified Review
Great insurance
Reviewed in Pennsylvania on March 1, 2026
Excellent rates. I get a year at the same cost as others quoted me for only six months.
Joshua
Verified Review
Great company, but penalizes or blocks credit card usage to get certain discounts.
Reviewed in Pennsylvania on March 1, 2026
Great company, decent rates. I just wish there were better discounts and no penalty or restriction on using credit cards to pay premiums.
Stephen
Verified Review
Excellent
Reviewed in Pennsylvania on February 19, 2026
Best rates thus far.
David
Verified Review
Best Insurance
Reviewed in Pennsylvania on February 8, 2026
They set your rate and it never increases unless you change cars.
Steven
Verified Review
Too expensive for anyone with a great driving record and great credit
Reviewed in Pennsylvania on December 29, 2025
My insurance company, as well as other insurance companies, base rates on other drivers and NOT the person buying the policy.
Mark
Verified Review
Erie Insurance
Reviewed in Pennsylvania on December 23, 2025
Excellent in all aspects except one. Adding a young driver is considerably more expensive than other companies.
Bernard
Verified Review
Excellent
Reviewed in Pennsylvania on October 30, 2025
They are pleasant to talk to, helpful, and explain everything clearly.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
713NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.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 on a budget, consider Erie for cheap car insurance. Drivers with moving violations also enjoy affordable premiums and coverages that keep insurance rates low after an accident.
Pros
AM Best financial strength rating of A+ (Superior)
Multiple coverages available
High J.D. Power ratings for claims and customer satisfaction
Cons
Available in only 12 states and Washington, D.C.
No discount with telematics program
Fewer discounts than some competitors
Progressive: Best for drivers with moving violations
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 624 |
|---|---|
| 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. | 8.7 /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. | $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. | $145/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Pennsylvania for
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Pennsylvania for
Competitive rates
Easy buying process
Telematics program
Showing 60 reviews from Pennsylvania drivers - See all 8,188 Progressive reviews
Richard
Verified Review
No reduction in payments after 7+ years of being a loyal customer
Reviewed in Pennsylvania on March 10, 2026
They raise your premium without telling you.
Efrain
Verified Review
Great insurance company
Reviewed in Pennsylvania on March 10, 2026
Amazing
Rebecca
Verified Review
B&W rocks
Reviewed in Pennsylvania on March 10, 2026
I am very happy with B&W Progressive Insurance in Washington, PA.
Erica
Verified Review
Progressive's quote was as expected, but each quarter it increases to a very high amount. I would not recommend them. Look for another company now.
Reviewed in Pennsylvania on March 9, 2026
Progressive's quote was as expected, but each quarter it increases to a very high amount. I would not recommend them. Look for another company now.
Matthew
Verified Review
Good
Reviewed in Pennsylvania on February 22, 2026
Okay, but I wish their payments could be at your discretion every month instead of only four months of the six-month policy.
Verna
Verified Review
Insurance options
Reviewed in Pennsylvania on February 22, 2026
Found less expensive insurance with the same coverage.
Cheryl
Verified Review
Poor
Reviewed in Pennsylvania on February 5, 2026
Great price, but I still haven't gotten my proof of insurance cards.
Sophia
Verified Review
Good
Reviewed in Pennsylvania on February 2, 2026
Better price either way for older vehicles.
Garry
Verified Review
Review
Reviewed in Pennsylvania on January 31, 2026
Satisfactory but always looking for something cheaper.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
624NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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
On average, Pennsylvania drivers with speeding tickets, at-fault accidents, or DUIs pay more for car insurance. But they may be able to save with Progressive. The company offers a comprehensive accident forgiveness program to keep your rates low after multiple claims.
Pros
Affordable rates
Many discounts available
Customizable policy options
Cons
Below-average J.D. Power customer satisfaction rating in the mid-Atlantic region
Not the cheapest option for every driver
Low Trustpilot ratings
USAA: Best for military members
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $143/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $169/mo |
4.9
Best choice in PennsylvaniaBased on 3,204 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Pennsylvania for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Pennsylvania for
Members of the military community
Outstanding customer service
Competitive rates
Showing 13 reviews from Pennsylvania drivers - See all 1,496 USAA reviews
Robert
Verified Review
Sometimes you don't get what you pay for.
Reviewed in Pennsylvania on March 14, 2026
I had a claim service problem because USAA's agent spent over three weeks searching for parts for a Toyota Avalon. Too bad I was driving a Chevrolet Avalanche. A little incompetence goes a long way.
Michael
Verified Review
It was quick, fast, and easy
Reviewed in Pennsylvania on February 28, 2026
Great since I never switched companies.
Paul
Verified Review
Premiums Too High
Reviewed in Pennsylvania on February 14, 2026
As a disabled veteran, I find USAA’s premiums to be too high.
David
Verified Review
No updates
Reviewed in Pennsylvania on February 10, 2026
I have had no claims, so there is no new information to share.
Paulette
Verified Review
Excellent company has its challenges
Reviewed in Pennsylvania on February 4, 2026
They are very responsive and customer service-oriented; however, they are very expensive. I have been with USAA for more than 30 years but find it increasingly difficult to pay for the car and home insurance while on a fixed income. I wish they were more flexible on their pricing as they are an excellent company. Oh, and trying to reach them on the phone is a frustrating challenge for an older person with all their security measures.
Kev
Verified Review
40 years
Reviewed in Pennsylvania on January 8, 2026
40+ years and have never been disappointed, but prices could be better.
Eugene
Verified Review
USAA Allstars
Reviewed in Pennsylvania on October 9, 2025
I hesitated on calling and getting them to lower my insurance expense; that was a mistake. They already had both my auto and home, and I should have called them first. I had already been in touch with four other companies when I called USAA. The USAA agent saved me money, completely reviewed my policies, and did it treating me with dignity and respect.
Kerri
Verified Review
Quality of Service
Reviewed in Pennsylvania on April 30, 2025
Overall, it was good. However, the process of claims and the general quality have declined. Verification for everything has become slow and cumbersome.
Pat
Verified Review
Car Insurance
Reviewed in Pennsylvania on April 29, 2025
Great company but expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
Military-affiliated members living in Pennsylvania trust USAA for its stellar reputation. Policyholders also enjoy its affordable pricing and unique benefits, like exclusive discount opportunities for travel and shopping. Aside from auto insurance, the company offers a suite of financial services, such as home and business insurance, banking, investing, and more.
Pros
AM Best financial strength rating of A++ (Superior)
Rideshare coverage available
Savings of up to 30% via its telematics program
Cons
Fewer discounts than competitors
Slightly more expensive than the state average
Available only to active-duty military members, veterans, and immediate family members
Allstate: Best for low-mileage drivers
| User Reviews | 3.8 |
|---|---|
| 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. | 8.9 /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. | $122/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 |
3.8
A solid option in PennsylvaniaBased on 9,674 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Pennsylvania for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Pennsylvania for
Accident forgiveness
Wide availability
Cheap rates
Showing 27 reviews from Pennsylvania drivers - See all 4,308 Allstate reviews
Kimbel
Verified Review
Allstate has to pay for all their TV commercials somehow.
Reviewed in Pennsylvania on March 16, 2026
Pricey. Homeowners have poor coverage for roofs. They do, however, insure our seasonal home in Delaware.
Karen
Verified Review
You're not in good hands
Reviewed in Pennsylvania on March 15, 2026
Allstate is terrible. It took over a week for them to send out an adjuster. They had poor communication skills with the repair shop. The repair shop told me they never had so much trouble with an Allstate claim. Then they sent me a check in the mail which took 10 days to get to me. And they don't let you rent a car that is similar to what I drive. So I had to pay an extra $15/day because I needed a car that could adapt to my handicap. The repair took 2 days but it was in the shop for 3 weeks due to Allstate delays.
Lisset
Verified Review
Never use Allstate
Reviewed in Pennsylvania on February 23, 2026
They told me that I would save a lot of money, but 6 months later the prices increased significantly, and a year later the prices skyrocketed. I will never use Allstate again. It doesn't matter if you are a safe driver or not; they only want more money.
Concetta
Verified Review
Best Rates on Car Insurance & Homeowners
Reviewed in Pennsylvania on February 23, 2026
I would recommend them to anyone because they have the best rates.
Rexford
Verified Review
Allstate's Preferred Repair Shop Issues
Reviewed in Pennsylvania on February 22, 2026
Firstly, never buy insurance online! Although it's convenient (somewhat, because it avoids needing to meet personally with several agents of providers one may be interested in), the online experience rarely, if ever, allows discussion with a real person. Unfortunately, within weeks of getting auto and home insurance with Allstate, we had an auto claim, and it turns out that the agent of record was in Texas when the claim occurred in Ohio, and we live in Pennsylvania. Attempts to connect with the named agent were frequently met with voicemails or text messages. I contacted a local agent to ask if I could have him as my agent of record rather than one over 1,000 miles away. He advised going to the main Allstate website where such a request could be made. Frankly, from a user-friendly perspective, the Allstate site was a nightmare. To add insult to injury, Allstate sent the vehicle to their "preferred" repair shop in the area. After they called to say the car was repaired, my wife and brother-in-law (who has over 30 years of experience in autobody repair and, in fact, managed 5 body shops for over 10 years while he and his wife lived in Alabama) refused possession of the car because the paint they used didn't match the original paint, and the clear coat was not properly buffed into the original. That caused an additional 2-week delay in the return of our car. In addition, the Chevrolet dealership tried to use the opportunity to market a new car when there was never a mention of any intent to purchase a new car. I am, at present, searching for a company other than Allstate to insure both my home and auto.
Linda
Verified Review
Hidden Policy Agenda
Reviewed in Pennsylvania on February 22, 2026
Find out the hidden information that they don’t explain from the beginning regarding policy increases if you don’t sign up for their discount program called Drive Wise. This program monitors your driving, and you have to drive a certain number of miles within their time period to get the discount. When you meet the required miles, you receive a discount, which takes six months for them to apply to your bill.
Ann
Verified Review
Excellent
Reviewed in Pennsylvania on February 21, 2026
Very professional and knowledgeable.
Verna
Verified Review
Overcharged Me for Years
Reviewed in Pennsylvania on February 15, 2026
I was with Allstate for over 25 years. After exploring other companies, I am very pleased with my policy at Geico.
Jane
Verified Review
Current insurance policy issue
Reviewed in Pennsylvania on February 8, 2026
In every aspect, except price, they provide the service I need. I simply can’t continue to pay annual increases anymore for an older car driven under 5,000 miles per year. So I’m shopping.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
624NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Low-mileage drivers in Pennsylvania, such as retirees, students, or work-from-home professionals, can save money on car insurance with Allstate Milewise. This program charges a base rate plus a per-mile fee, so you can avoid costly fixed premiums from traditional insurers.
Pros
AM Best financial strength rating of A+ (Superior)
Great for low-mileage drivers
No additional charge for trips more than 250 miles
Cons
Tracks your driving data
Potentially costly for long-distance drivers
Low ratings from the Better Business Bureau and Trustpilot
Our editorial team analyzed regional and national auto insurance companies that sell policies in Pennsylvania to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Pennsylvania
Finding the right car insurance can feel overwhelming with so many options in the market. Here are a few tips to help you narrow it down.[1]
Evaluate your coverage needs
Your coverage needs will vary based on your risks, vehicle type, minimum-coverage requirements, and other factors. Most drivers benefit from full-coverage insurance — especially if you’ve leased or financed your car. Pennsylvania is a no-fault state, so you’ll need to carry personal injury protection and liability insurance.
Read customer reviews
Review sites like the Better Business Bureau and Trustpilot offer an understanding of how customers feel about the company. Take note of any common issues — such as customer service, claims handling, and billing — so you can take measures to avoid future problems with your policy.
Review company ratings
Third-party rating agencies gather and analyze data to evaluate a company’s performance in a certain area. AM Best assesses a company’s financial strength, and J.D. Power looks at claims and customer satisfaction. The NAIC complaint index also measures the volume of complaints for a company’s size. High industry ratings are a good indicator of the service quality of an insurer.
Seek discounts
Insurance discounts can help you save money on coverage, especially if you have expensive premiums. Ask about common savings, including good student, safe driver, bundling, and anti-theft discounts.
Compare quotes
Gather quotes from at least three companies, and choose one with the coverage you need at the most affordable price. Prices change frequently, so it’s a good idea to compare quotes before the end of your policy’s term. This ensures you still have the most competitive rates.
Find Car Insurance in Pennsylvania
Liability rates start at $41 per month
Excellent
4.7 out of 5 based on 12,727 reviews
Secure. Free. Easy-to-use.
Average cost of car insurance in Pennsylvania
The average monthly cost of car insurance in Pennsylvania is $120, compared to the national average cost of $136.
Drivers in the Keystone State saw some of the highest rate increases compared to other U.S. states in 2024. Insurify reports that this trend will likely continue in 2025.
Best car insurance in Pennsylvania FAQs
The best car insurance in Pennsylvania for you may be different from your neighbor’s. Check out the additional information below to help you make the most informed decision about your insurance policy.
How much is car insurance in Pennsylvania?
Pennsylvania drivers pay $93 per month for liability insurance, on average. Full coverage is more expensive, at an average of $147 per month.
What are the best car insurance companies in Pennsylvania?
The best car insurance companies in Pennsylvania include State Farm, Erie, Auto-Owners, USAA, and Allstate. But the right one for you will depend on your unique coverage needs and financial situation.
What is the required auto insurance coverage amount in Pennsylvania?
The required coverages in Pennsylvania include the following:[2] [3]
$15,000 per person in bodily injury liability
$30,000 per accident in bodily injury liability
$5,000 per accident in property damage liability
The state also mandates drivers to carry $5,000 in auto insurance medical benefits. Drivers can purchase either personal injury protection or medical payments to fulfill this requirement.
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How to Shop for Car Insurance in 2026 | Step-by-Step Guide
March 18, 2026
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Cheap Car Insurance in Harrisburg, PA, Starting at $62
March 18, 2026
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Cheap Car Insurance in Philadelphia, PA, Starting at $111
March 18, 2026
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Cheap Car Insurance in Lancaster, PA, Starting at $60
March 18, 2026
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Cheap Car Insurance in York, PA, Starting at $56
March 18, 2026
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Best Cheap Car Insurance in Wilkes-Barre, PA, From $54
March 18, 2026
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Cheap Car Insurance in Scranton, PA, Starting at $64
March 18, 2026
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Cheap Car Insurance in State College, PA, Starting at $54
March 18, 2026
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Best Cheap Car Insurance in Reading, PA, From $64
March 18, 2026
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Sources
- III. "Nine ways to lower your auto insurance costs."
- Driver and Vehicle Services. "Insurance Overview."
- Insurance Department. "Auto Insurance."
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
Featured in
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
Sara GetmanAssociate Editor
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.