Best Car Insurance in Pennsylvania (2026)
Erie, State Farm, and Progressive are among the best car insurance companies in Pennsylvania.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
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Written byKat Tretina
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
)
Edited byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
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Best car insurance companies in Pennsylvania
Insurify analyzed 120+ car insurance companies to identify the best car insurance companies in Pennsylvania. We selected the five following companies based on their pricing, coverage options, customer service ratings, and financial stability.
Erie: Best overall
| 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. | $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. | $96/mo |
4.2
Best choice in PennsylvaniaBased on 549 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.3 | 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 in Pennsylvania for
Showing 17 reviews from Pennsylvania driversSee all 241 Erie Insurance reviews
Verified Review
Reviewed in Pennsylvania on June 23, 2026
They used to be the low price leader, not so much anymore.
Verified Review
Reviewed in Pennsylvania on June 9, 2026
They have a good reputation, but they make changes to your policy that you may not be aware of unless you pay attention.
Verified Review
Reviewed in Pennsylvania on April 29, 2026
Very expensive, shop around and you'll get a better price.
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 is a regional insurance company that operates in only 12 states and Washington, D.C. Despite its smaller size, Erie is a top-ranked company for customer satisfaction and has some of the lowest rates for Pennsylvania drivers.
Plus, the company offers robust coverage options you can add to your policy, including rideshare coverage, auto glass repair, and even coverage for pets injured in an accident.
Pros
Top customer satisfaction rating in the mid-Atlantic region from J.D. Power
Low rates in Pennsylvania
Multiple coverage add-ons available
Cons
Must contact an agent to purchase insurance
Poor mobile app reviews on Google Play Store
Fewer discounts than some competitors
State Farm: Best for full-coverage policies
| 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. | $50/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. | $82/mo |
4.0
Best choice in PennsylvaniaBased on 20,557 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 | 3.9 | 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 in Pennsylvania for
Showing 60 reviews from Pennsylvania driversSee all 8,003 State Farm reviews
Verified Review
Reviewed in Pennsylvania on August 13, 2026
Follow up on whatever you tell them. I had an accident involving a deer, and I spoke with a supervisor several times about it. She told me she was going to correct the policy to reflect that I would not be held at fault for the accident. Then, when I inquired about insurance elsewhere, I found out she wasn’t truthful and never corrected my file to reflect that it was not my fault.
Verified Review
Reviewed in Pennsylvania on August 11, 2026
Very expensive.
Verified Review
Reviewed in Pennsylvania on August 4, 2026
My neighbor wasn’t covered, so I immediately had second thoughts. The way they bill is very confusing. I don’t trust them and feel like they take advantage of people.
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
Pennsylvania is one of the worst states for animal collisions, and because it’s also prone to winter storms, a full-coverage policy can be particularly helpful.[1]
For full coverage, State Farm stands out due to its pricing, expansive network of agents, and easy claims process. You can also add optional coverages like emergency road service or rideshare coverage for added protection.
Pros
Low full-coverage rates in Pennsylvania
Highly rated for customer satisfaction in mid-Atlantic region by J.D. Power
Large local agent network
Cons
Doesn’t sell gap insurance
Vanishing deductible not available
Drivers with poor credit pay higher rates
Progressive: Best for new-car owners
| 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. | $66/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. | $150/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 in Pennsylvania for
Showing 67 reviews from Pennsylvania driversSee all 8,963 Progressive reviews
Verified Review
Reviewed in Pennsylvania on August 16, 2026
I had to switch for better pricing and protection.
Verified Review
Reviewed in Pennsylvania on August 14, 2026
Excellent auto coverage, and the premium is a lot less expensive.
Verified Review
Reviewed in Pennsylvania on August 10, 2026
I’m checking around to see if I can get my $329-a-month payment reduced.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
In Pennsylvania, approximately 32% of drivers have an outstanding vehicle loan, according to Insurify data, which highlights the need for robust coverage to protect newer cars.
With Progressive, you can purchase loan or lease payoff protection to help cover the difference between your car’s value and your remaining loan balance if you total it or if someone steals it. Progressive also sells vehicle protection plans and optional coverage for custom parts or equipment.
Pros
Sells loan or lease payoff protection
Offers vehicle protection plans
Multiple discounts
Cons
Below-average customer satisfaction from J.D. Power in the mid-Atlantic region
Doesn’t offer new-car replacement coverage
Poor Trustpilot rating
Root: Best for usage-based insurance
| 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). | NR |
|---|---|
| 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. | 7.9 /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. | $106/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. | $171/mo |
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
Based on analysis of verified reviews collected by Insurify
Best in Pennsylvania for
Showing 5 reviews from Pennsylvania driversSee all 571 Root reviews
Verified Review
Reviewed in Pennsylvania on August 16, 2026
Good.
Verified Review
Reviewed in Pennsylvania on August 12, 2026
If you have a claim, expect to be disrespected and given the runaround.
Verified Review
Reviewed in Pennsylvania on June 9, 2026
The coverage is just as average as anywhere else. The pricing, however, is awful. There is no way to help lower my bill without minimizing the coverage that I need.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93
Why we picked this company
Pennsylvania drivers have a lower annual mileage than the national average. And, compared to drivers in other states, a smaller percentage of drivers in the Cornerstone State have accidents, tickets, or driving under the influence (DUI) convictions on their driving records.
As a result, Pennsylvania drivers may benefit from a usage-based insurance (UBI) policy or telematics program from Root. If you drive safely, you could slash your car insurance premiums.
Pros
Doesn’t consider credit during the underwriting process
Roadside assistance and rental coverage available
Potentially lower rates based on driving habits
Cons
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Not available to drivers with infractions on their records
Few discounts and coverage add-ons available
Plymouth Rock: Best for rideshare insurance
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 619 |
|---|---|
| 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. | $110/mo |
How drivers feel about Plymouth Rock
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
Based on analysis of verified reviews collected by Insurify
Best in Pennsylvania for
Showing recent national reviewsSee all 139 Plymouth Rock reviews
Verified Review
Reviewed in New Jersey on July 28, 2026
They didn’t ask me if I wanted online communication; they just did it. Every time I need to access my account, it’s locked, and I have to either reset my password or call in and speak to someone through the automated system. I complained to customer service, and I have to remember each month because my policy has been canceled due to their failure to process it, so I was reinstated. It feels like it’s designed on purpose.
Verified Review
Reviewed in Massachusetts on July 12, 2026
Plymouth Rock is the cheapest auto insurance company.
Verified Review
Reviewed in New Jersey on April 16, 2026
Call and compare your rates.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.29
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).
NR
Why we picked this company
Pennsylvania has a high rate of rideshare drivers, with more than 62,000 Uber drivers in Philadelphia alone, according to data from HR&A Advisors.[2] Not all companies offer rideshare coverage, but Plymouth Rock actually has two different rideshare endorsements you can add to your policy to fill coverage gaps.
Its basic rideshare endorsement covers you while you’re waiting for a ride request, while its enhanced rideshare endorsement covers that same period, plus additional coverage when you’re on your way to pick up a passenger and during the ride.
Pros
Offers two rideshare coverage options
Competitive full-coverage rates in Pennsylvania
Strong Trustpilot rating
Cons
Limited discounts
Few coverage add-ons available
Available in only six states, so you may have to switch insurers if you move
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.
Average cost of car insurance in Pennsylvania
On average, drivers pay $161 per month for full-coverage car insurance and $90 for liability coverage in Pennsylvania. This is lower than the national average cost of coverage.
The lower rates are likely due, in part, to Pennsylvania’s relatively low minimum-coverage requirements and a lower percentage of uninsured drivers. Your rates may differ based on your driving history and available savings, such as bundling discounts for buying home and auto coverage from the same insurer.
Pennsylvania is a limited tort no-fault state, and drivers must carry medical payments coverage as part of their policy.[3]
Insurify projects a marginal average price increase of 0.4% in Pennsylvania auto insurance premiums by the end of 2026.
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How to get the best car insurance in Pennsylvania
You can follow these tips to find the best Pennsylvania car insurance for your needs:
Consider coverage needs
Pennsylvania’s minimum-coverage requirements are low compared to those of other states. Drivers only need $15,000 per person and $30,000 per accident in bodily injury liability coverage, $5,000 in property damage liability coverage, and $5,000 in medical benefits coverage. Those coverage limits may not provide enough protection, so consider opting for a policy with higher liability coverage limits and protection for your own vehicle.
Think about common risks
Pennsylvania is prone to animal-related collisions, with nearly 6,500 deer-related crashes in 2025.[4] And Pennsylvania residents also have to prepare to deal with slick roads and hail due to winter storms. As a result, you may benefit from adding collision coverage and comprehensive insurance to your policy.
Take a driving course
Pennsylvania drivers age 55 or older can qualify for a car insurance discount of at least 5% on their premiums by completing a qualifying driver improvement course.
Compare car insurance quotes
In Pennsylvania, well-known companies like State Farm make up large chunks of the state’s insurance market share. But you have many companies to choose from, including smaller, regional insurers like Erie and Plymouth Rock. Compare auto insurance quotes from several companies to find the best coverage and cheapest car insurance in Pennsylvania for you.
Best car insurance in Pennsylvania FAQs
As you shop for car insurance in Pennsylvania, the following information can help you find reliable, affordable coverage.
What are the top-rated car insurance companies in Pennsylvania?
Erie and State Farm are two of Insurify’s top insurance companies in Pennsylvania, thanks to their quality coverage options, pricing, and J.D. Power customer satisfaction rankings.
What is the best car insurance in Pennsylvania for full coverage?
For full-coverage policies, we found that State Farm is one of the best insurance companies based on its rates, robust coverage options, and large agent network.
What factors should you consider when choosing the best car insurance in Pennsylvania?
When shopping for car insurance in Pennsylvania, consider coverage options and limits, premiums, available discounts, and customer service. Adding collision and comprehensive coverage to your policy and opting for higher liability coverage can be wise if you can afford the added premiums.
Sources
- State Farm. "How likely are you to have an animal collision?."
- HR&A Advisors. "Uber Rideshare Drivers Net Earnings Study: Philadelphia."
- Pennsylvania Insurance Department. "Is Auto Insurance Mandatory?."
- Pennsylvania Department of Transportation. "PennDOT, Safety Partners Remind Motorists to Watch for Deer on Roadways."
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Pennsylvania drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $82 per month.
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Pennsylvania drivers can find the cheapest liability-only car insurance from State Farm, with an average rate of $50 per month.
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Pennsylvania drivers can pay as little as $50 for coverage through State Farm. You can get an instant quote through Insurify and purchase coverage within minutes.
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State Farm offers the cheapest car insurance in Allentown, with minimum-coverage policies as low as $56 per month.
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State Farm offers the cheapest insurance in Bethlehem, for $44 per month.
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State Farm offers the cheapest car insurance in Erie, with minimum-coverage policies as low as $45 per month.
)
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State Farm offers the cheapest car insurance in Harrisburg, with minimum-coverage policies as low as $47 per month.
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State Farm offers the cheapest car insurance in Lancaster, with minimum-coverage policies as low as $42 per month.
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State Farm offers the cheapest car insurance rates in Pittsburgh. Snow and black ice often cover the city’s roads in winter, increasing crash risks and insurance rates.
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego