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
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Edited bySara Getman
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Sara GetmanAssociate Editor
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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
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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. | $58/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. | $102/mo |
4.0
Best choiceBased on 16,973 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 47 reviews from Pennsylvania driversSee all 7,371 State Farm reviews
Verified Review
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.
Verified Review
Reviewed in Pennsylvania on April 2, 2026
Too expensive for the few daily driven miles.
Verified Review
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.
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 | 4.2 |
|---|---|
| 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. | 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. | $67/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. | $118/mo |
4.2
Best choiceBased on 509 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 25 reviews from Pennsylvania driversSee all 231 Erie Insurance reviews
Verified Review
Reviewed in Pennsylvania on April 1, 2026
The rates for a new vehicle on our policy are insane.
Verified Review
Reviewed in Pennsylvania on March 11, 2026
Good value.
Verified Review
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.
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 |
| 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. | $173/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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 55 reviews from Pennsylvania driversSee all 8,339 Progressive reviews
Verified Review
Reviewed in Pennsylvania on April 9, 2026
My insurance went up significantly from when I first started with them.
Verified Review
Reviewed in Pennsylvania on April 8, 2026
I was able to get reasonable car insurance when I needed it.
Verified Review
Reviewed in Pennsylvania on April 7, 2026
We have not had an accident or a ticket in the last 25 years, so we actually never have had any claims.
…
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 | 4.3 |
|---|---|
| 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. | $118/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. | $207/mo |
4.3
Best choiceBased on 3,400 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 10 reviews from Pennsylvania driversSee all 1,529 USAA reviews
Verified Review
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.
Verified Review
Reviewed in Pennsylvania on February 28, 2026
Great since I never switched companies.
Verified Review
Reviewed in Pennsylvania on February 14, 2026
As a disabled veteran, I find USAA’s premiums to be too high.
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 | 3.9 |
|---|---|
| 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. | 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. | $101/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. | $178/mo |
3.9
A solid optionBased on 10,161 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 24 reviews from Pennsylvania driversSee all 4,375 Allstate reviews
Verified Review
Reviewed in Pennsylvania on March 16, 2026
Pricey. Homeowners have poor coverage for roofs. They do, however, insure our seasonal home in Delaware.
Verified Review
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.
Verified Review
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.
…
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 $40 per month
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Average cost of car insurance in Pennsylvania
The average monthly cost of car insurance in Pennsylvania is $119, compared to the national average cost of $140.
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 $86 per month for liability insurance, on average. Full coverage is more expensive, at an average of $152 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.
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
Featured in
Sara GetmanAssociate Editor
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego