Best Car Insurance in Pennsylvania (2025)
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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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited bySara Getman
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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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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
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 | 4.1 |
|---|---|
| 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. | $78/mo |
4.1
Best choiceBased on 12,804 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,584)
Alfonzo
Verified Review
Bad Insurance Experience
Reviewed in West Virginia on December 2025
Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.
Tracy
Verified Review
Look what Wildbowilly found
Reviewed in Texas on December 2025
I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.
Steven
Verified Review
Great Insurance
Reviewed in Minnesota on December 2025
No issues at all.
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. | $91/mo |
4.4
Best choiceBased on 424 verified guest 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 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 For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (207)
Betty
Verified Review
Good
Reviewed in North Carolina on November 2025
I hit a deer and my insurance went up by $50.00.
William
Verified Review
Shop Around
Reviewed in Ohio on November 2025
Car insurance is high, but homeowners insurance is affordable.
Bernard
Verified Review
Excellent
Reviewed in Pennsylvania on October 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 |
| 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. | $151/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 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 For
Competitive rates
Easy buying process
Telematics program
Reviews (7,522)
Michael
Verified Review
Get a horse.
Reviewed in Alabama on December 2025
I have no tickets or accidents, yet the prices keep going up!
Robert
Verified Review
Insurance
Reviewed in South Carolina on December 2025
Not cheap, but they get the job done.
Virginia
Verified Review
Progressive Review
Reviewed in North Carolina on December 2025
I feel over the years I have had several car insurance policies. Progressive has been the best.
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. | $142/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $160/mo |
4.9
Best choiceBased on 2,459 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,326)
Yolande
Verified Review
It was easy to complete
Reviewed in Kentucky on December 2025
It's great. I have no problems with them and would tell my friends if they want an insurance company where they can speak to a human, this is the company to go with.
Al
Verified Review
Poor
Reviewed in Georgia on December 2025
Hold true rates, no fake $38.00 per month.
Cheryl
Verified Review
Skyrocketing Rates
Reviewed in Massachusetts on December 2025
I assume it is like most others. USAA is, of course, offered to military personnel, retired military, and their families. Since my bill has skyrocketed to $1,459, I have been upset that my car costs that much to insure. I have had this car since January 2016. I haven't had any accidents, I don't drink alcohol, and my car mostly sits in the garage. It has approximately 67,800 miles on it. My bill is up over $200 from last year and the same for the year before. I just don't understand. Make of it what you will.
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. | $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. | $137/mo |
3.9
A solid optionBased on 7,789 verified guest 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 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 For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,950)
Rodney
Verified Review
Safeco's Auto Insurance Experience
Reviewed in New Mexico on December 2025
Safeco is a great company for auto insurance, but I had a bad experience with their homeowners insurance. I had hail damage three years ago, and they did not pay anything. I was disappointed with their service.
William
Verified Review
Excellent
Reviewed in Ohio on December 2025
I would stay with them, but I can only afford so much when you are on a fixed budget. I'm on SSI.
Victoria
Verified Review
Allstate is a rip-off
Reviewed in New Jersey on December 2025
The rates go up every 6 months when the policy renews. The only way you can get any kind of break is by allowing them to track your every move while driving and do everything by computer. I guess they are trying to save trees.
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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Based on 7,669+ reviews
4.8/5
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 $138.
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 $92 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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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 Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
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.
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.