Cheapest Car Insurance Quotes in Pennsylvania
Pennsylvania drivers can pay as little as $41 for coverage through Hugo. You can get an instant quote through Insurify and purchase coverage within minutes.
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Written byKat Tretina
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited byBecky Helzer
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Becky HelzerEditor
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
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Table of contents
- Cheap car insurance quotes in PA
- PA cheap liability-only car insurance
- PA cheap full-coverage car insurance
- Best cheap PA car insurance
- Car insurance rates in PA over time
- Pennsylvania car insurance requirements
- Pennsylvania car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in PA
- Affordable PA insurance with an at-fault accident
- Cheap car insurance for PA drivers with a DUI
- Affordable car insurance in PA for teen drivers
- Car insurance quotes for senior drivers in PA
- Cheap car insurance with bad credit in PA
- Pennsylvania car insurance FAQs
Table of contents
- Cheap car insurance quotes in PA
- PA cheap liability-only car insurance
- PA cheap full-coverage car insurance
- Best cheap PA car insurance
- Car insurance rates in PA over time
- Pennsylvania car insurance requirements
- Pennsylvania car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in PA
- Affordable PA insurance with an at-fault accident
- Cheap car insurance for PA drivers with a DUI
- Affordable car insurance in PA for teen drivers
- Car insurance quotes for senior drivers in PA
- Cheap car insurance with bad credit in PA
- Pennsylvania car insurance FAQs
Cheapest car insurance quotes in Pennsylvania
Drivers in Pennsylvania pay an average of $93 per month for liability insurance and $147 per month for full- coverage policies, according to Insurify data.
This is slightly less than the national average of $99 per month for liability insurance and $173 per month for full coverage.
We analyzed rates for 120+ insurers to help you find the cheapest coverage in Pennsylvania. Below are the companies with the lowest rates, broken down by driver profile and coverage type.
Driver Category | Cheapest Insurance Company in PA | Cheapest Monthly Quote in PA |
|---|---|---|
| Overall | Hugo | $41 |
| State-minimum coverage | Hugo | $41 |
| Full coverage | State Farm | $83 |
| Drivers with a clean record | Hugo | $41 |
| After a speeding ticket | Hugo | $51 |
| After an at-fault accident | Hugo | $51 |
| After a DUI | Hugo | $55 |
| Teen/new drivers | Hugo | $68 |
| Seniors | Hugo | $36 |
| Bad credit | Hugo | $48 |
Disclaimer: Table data is based on real-time Pennsylvania quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest liability-only car insurance in Pennsylvania: Hugo
Drivers in Pennsylvania must carry car insurance coverage that meets the state’s minimum requirements of $15,000/$30,000 for bodily injury liability and $5,000 for property damage.[1] In Pennsylvania, the companies with the cheapest average liability-only rates are Hugo and National General.
The table below shows the insurance companies with the lowest rates for liability coverage in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $41 |
| National General | $61 |
| State Farm | $70 |
| First Acceptance | $76 |
| Progressive | $81 |
| Erie | $81 |
| Auto-Owners | $87 |
| Safeco | $92 |
| Direct Auto | $102 |
| Travelers | $105 |
| Bristol West | $105 |
| GEICO | $109 |
| Root | $110 |
| Dairyland | $118 |
| Allstate | $122 |
| Nationwide | $139 |
| USAA | $143 |
| GAINSCO | $144 |
| Liberty Mutual | $157 |
| Chubb | $165 |
| CSAA | $177 |
| State Auto | $192 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
Agent Tip: Does liability-only coverage offer enough protection?
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Mallory Mooney
Director of Sales and Client Services, Insurify
Pennsylvania’s minimum-required $5,000 for property damage won’t go very far if you total another driver’s car, so increasing your liability limits can help you avoid paying out of pocket.
Cheapest full-coverage car insurance in Pennsylvania: State Farm
Full-coverage policies combine liability insurance with collision and comprehensive coverage. In Pennsylvania, animal-related collisions are common, making full-coverage policies especially important. In 2025 alone, the state reported nearly 6,500 deer-related collisions — a five-year high — according to the Pennsylvania Department of Transportation (PennDOT).[2]
On average, drivers pay $147 per month for full coverage in the Keystone State.
Here’s a look at the companies with the cheapest full-coverage rates in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $83 |
| Erie | $96 |
| Auto-Owners | $103 |
| Travelers | $125 |
| GEICO | $129 |
| Progressive | $145 |
| Allstate | $145 |
| National General | $145 |
| Safeco | $151 |
| Nationwide | $165 |
| Liberty Mutual | $169 |
| USAA | $169 |
| First Acceptance | $176 |
| Direct Auto | $181 |
| Root | $184 |
| Chubb | $196 |
| Bristol West | $201 |
| State Auto | $227 |
| CSAA | $232 |
| GAINSCO | $275 |
| The General | $278 |
| Dairyland | $281 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Pennsylvania
Recent Pennsylvania car insurance prices for Subaru, Jeep, Mercedes Benz , and more.
*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Best cheap car insurance companies in Pennsylvania
Pennsylvania’s top weather risks are floods, fires, and winter storms.[3] And while the state sees a number of tornadoes each year, it experiences as many as 10 to 20 times as many damaging wind events.[4]
Comparing quotes from the best car insurance companies in Pennsylvania can help you find low rates and quality coverage for your vehicle. We’ve listed three of our top picks below.
State Farm: Best for full-coverage policies in Pennsylvania
| 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.
657NAIC 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 is the largest auto insurance company in Pennsylvania, accounting for nearly 28% of the state’s auto insurance market.
In addition to offering customizable coverage at affordable rates, the company has an extensive agent network in Pennsylvania. It also offers a highly rated mobile app and earns high customer satisfaction ratings from J.D. Power.
Pros
Low rates in Pennsylvania
Highly rated by J.D. Power for customer satisfaction
Available rideshare insurance
Cons
Gap insurance not available
No vanishing deductible
Rates increase significantly for drivers with poor credit
National General: Best for high-risk drivers in Pennsylvania
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $145/mo |
3.7
A solid option in PennsylvaniaBased on 1,055 verified driver reviews and ratings
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Pennsylvania for
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Pennsylvania for
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Showing recent national reviews - See all 379 National General reviews
Stephanie
Verified Review
Overpriced
Reviewed in North Carolina on March 17, 2026
National General is overpriced. I saved $140 a month by switching to Progressive and have the exact same coverage.
Vivian
Verified Review
They are friendly
Reviewed in North Carolina on March 16, 2026
The price is affordable.
William
Verified Review
Overpriced Insurance
Reviewed in Oregon on March 14, 2026
The cost of insurance is way too high. I drive about 5,000 miles yearly on all three vehicles.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
If you’re among the nearly 8% of Pennsylvania drivers with a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction on your record, insurers may classify you as a high-risk driver and charge higher rates.
Backed by Allstate, National General specializes in non-standard coverage and offers lower rates than other insurers for high-risk drivers. While the company offers several discounts and various payment options, J.D. Power gives National General a low customer satisfaction rating.
Pros
Competitive rates for PA drivers with tickets or DUIs
Multiple available discounts
Convenient payment options
Cons
Below-average J.D. Power customer satisfaction rating
No rideshare or gap insurance
Poor Trustpilot reviews
Erie: Best for rideshare drivers in Pennsylvania
| 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.
700NAIC 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
Erie Insurance ranks among the top companies for customer satisfaction and also offers some of the lowest car insurance rates in Pennsylvania.
Rideshare services are popular in Pennsylvania, with more than 62,000 Uber drivers in Philadelphia alone, according to HR&A Advisors. Erie’s rideshare endorsement covers rideshare drivers during every stage of the trip.
Pros
Excellent J.D. Power customer satisfaction rating
Offers pet medical coverage if your pet is injured while riding in your car
Cons
Usage-based program offers rewards instead of discounts
No online quotes
Fewer discounts than some competitors
How car insurance costs in Pennsylvania have changed
Insurance rates in Pennsylvania have remained fairly steady, with a projected 0.4% increase by the end of 2026. The average cost of car insurance in Pennsylvania is projected to reach $1,867 per year for full coverage by the end of 2026.
Average car insurance costs in Pennsylvania over time
The table below highlights car insurance rates in Pennsylvania over the past five years.
Average Pennsylvania Car Insurance Rates Over the Past Five Years
Rates in this chart are five-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
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Pennsylvania car insurance requirements
As in nearly every state, Pennsylvania requires all drivers to have car insurance. If you drive without adequate coverage, the state may fine you, suspend your license, and revoke your vehicle registration sticker and license plate.
You need at least the following minimum coverage in Pennsylvania:
Bodily injury liability
$15,000 per person and $30,000 per accident
Property damage liability
$5,000 per accident
Medical benefits
$5,000
Car insurance rates across Pennsylvania cities
Your location affects your insurance rate. Drivers in Philadelphia tend to have the highest rates, thanks to the city’s congestion and property crime rates. If you live in a rural area, such as Lancaster, or in a smaller city, such as Hanover, you’ll typically pay lower rates.
Below are average monthly quotes for several cities in Pennsylvania.
City | Average Monthly Quote |
|---|---|
| Allentown | $135 |
| Bethlehem | $119 |
| Erie | $114 |
| Harrisburg | $122 |
| Lancaster | $114 |
| Philadelphia | $215 |
| Pittsburgh | $116 |
| Reading | $123 |
| Scranton | $127 |
| State College | $111 |
| Wilkes-Barre | $107 |
| York | $109 |
Disclaimer: Table data is based on real-time Pennsylvania quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Car insurance quotes in Pennsylvania for drivers with a clean record: Hugo
People in Pennsylvania with a clean driving record, meaning no speeding tickets or accidents, typically pay the lowest insurance rates. In Pennsylvania, drivers with a clean record and good credit pay an average of $83 per month for liability insurance.
The table below shows the cheapest rates for drivers with a clean record in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $40 |
| National General | $56 |
| State Farm | $67 |
| Erie | $76 |
| First Acceptance | $78 |
| Progressive | $83 |
| Auto-Owners | $84 |
| Direct Auto | $97 |
| Safeco | $98 |
| Travelers | $100 |
| Bristol West | $103 |
| GEICO | $109 |
| Root | $110 |
| Dairyland | $111 |
| Allstate | $122 |
| Nationwide | $132 |
| GAINSCO | $137 |
| USAA | $138 |
| Chubb | $152 |
| Liberty Mutual | $164 |
| State Auto | $178 |
| CSAA | $185 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Pennsylvania for drivers with a speeding ticket: Hugo
If you’re pulled over for speeding in Pennsylvania, you could get a ticket and a fine as high as $102.[5] Speeding tickets typically increase your insurance rates. In Pennsylvania, drivers with a speeding ticket pay an average of $108 per month for liability-only coverage.
The following table highlights the cheapest insurers for drivers with speeding tickets in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $51 |
| National General | $73 |
| State Farm | $86 |
| First Acceptance | $88 |
| Progressive | $94 |
| Erie | $103 |
| Auto-Owners | $110 |
| Safeco | $117 |
| Direct Auto | $123 |
| Bristol West | $127 |
| Travelers | $132 |
| GEICO | $138 |
| Dairyland | $142 |
| Root | $142 |
| Allstate | $154 |
| GAINSCO | $165 |
| Nationwide | $174 |
| USAA | $179 |
| Liberty Mutual | $193 |
| Chubb | $202 |
| CSAA | $218 |
| State Auto | $247 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
Affordable car insurance in Pennsylvania with an at-fault accident: Hugo
In Pennsylvania, you have five days to notify PennDOT of an accident involving death, injury, or a vehicle that requires towing.[6] Failure to do so can result in fines or the suspension of your driver’s license.
Nearly 5% of drivers in Pennsylvania have an at-fault car accident on their record, according to Insurify data. The average price of a liability-only policy with an at-fault accident is $119 per month.
The data below highlights the lowest rates for drivers with an at-fault accident on their records in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $51 |
| National General | $80 |
| State Farm | $91 |
| First Acceptance | $97 |
| Progressive | $104 |
| Erie | $106 |
| Auto-Owners | $113 |
| Safeco | $127 |
| Bristol West | $136 |
| Direct Auto | $137 |
| GEICO | $139 |
| Travelers | $139 |
| Root | $145 |
| Dairyland | $154 |
| Allstate | $161 |
| GAINSCO | $181 |
| Nationwide | $184 |
| USAA | $189 |
| Liberty Mutual | $205 |
| Chubb | $215 |
| CSAA | $256 |
| State Auto | $258 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes for Pennsylvania drivers with a DUI: Hugo
In 2024, Pennsylvania recorded 244 crashes with alcohol-related fatalities, according to the state Department of Transportation.[7] Penalties for a first-time offense of driving under the influence include a $300 fine, highway safety classes, installing an ignition interlock device for one year, and up to six months of probation.
Drivers with a DUI in Pennsylvania pay an average of $113 per month for liability coverage.
The following table shows the cheapest liability rates for drivers with a DUI in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $55 |
| National General | $82 |
| First Acceptance | $92 |
| State Farm | $95 |
| Progressive | $99 |
| Erie | $109 |
| Auto-Owners | $118 |
| Safeco | $133 |
| Direct Auto | $138 |
| Travelers | $142 |
| Bristol West | $142 |
| GEICO | $145 |
| Root | $149 |
| Dairyland | $159 |
| Allstate | $165 |
| Nationwide | $188 |
| USAA | $193 |
| GAINSCO | $195 |
| Liberty Mutual | $212 |
| Chubb | $223 |
| CSAA | $239 |
| State Auto | $242 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
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Liability quotes in Pennsylvania start at $41/mo.
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Cheapest car insurance for teen drivers in Pennsylvania: Hugo
In Pennsylvania, teens have a junior license until they’re 18. During this time, they can’t drive between 11 p.m. and 5 a.m. (unless for work) and can have only one non-family member younger than age 18 in the car.[8]
Because teens are more likely to be in serious accidents than other age groups, they pay some of the highest premiums. In Pennsylvania, teen drivers pay an average of $171 per month for liability insurance.
The data below shows the companies with the cheapest auto insurance coverage for teen drivers in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $68 |
| National General | $124 |
| State Farm | $137 |
| First Acceptance | $139 |
| Progressive | $149 |
| Erie | $149 |
| Auto-Owners | $176 |
| Safeco | $186 |
| Bristol West | $189 |
| Root | $191 |
| GEICO | $196 |
| Direct Auto | $197 |
| Dairyland | $203 |
| Travelers | $219 |
| Allstate | $243 |
| GAINSCO | $264 |
| USAA | $266 |
| Nationwide | $273 |
| Liberty Mutual | $278 |
| CSAA | $297 |
| Chubb | $343 |
| State Auto | $469 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes in Pennsylvania for senior drivers: Hugo
Because seniors often drive fewer miles than average and have fewer accidents than other age groups, they typically pay less for insurance. Plus, drivers in Pennsylvania age 55 and older who complete a Basic Mature Driver Improvement Course can receive a 5% car insurance discount.[9]
Drivers in their 60s and 70s pay an average of $83 per month for liability-only insurance in Pennsylvania.
The following table shows the companies with the lowest rates for senior drivers in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $36 |
| National General | $49 |
| State Farm | $56 |
| Erie | $63 |
| First Acceptance | $67 |
| Auto-Owners | $70 |
| Progressive | $72 |
| Safeco | $82 |
| Direct Auto | $83 |
| Travelers | $85 |
| GEICO | $88 |
| Bristol West | $89 |
| Root | $93 |
| Allstate | $100 |
| Dairyland | $101 |
| Nationwide | $108 |
| USAA | $118 |
| GAINSCO | $124 |
| Chubb | $127 |
| Liberty Mutual | $133 |
| CSAA | $145 |
| State Auto | $148 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
Pennsylvania car insurance quotes with bad credit: Hugo
Pennsylvania law allows insurance companies to consider your credit history as part of their underwriting process. Drivers in Pennsylvania with poor credit tend to pay higher rates for coverage, with a liability-only policy averaging $105 per month.
Below are some of the lowest auto insurance quotes for drivers with bad credit in Pennsylvania.
The below rates in Pennsylvania are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $48 |
| National General | $71 |
| First Acceptance | $85 |
| Progressive | $91 |
| State Farm | $96 |
| Safeco | $108 |
| Erie | $113 |
| Direct Auto | $119 |
| Travelers | $123 |
| Bristol West | $123 |
| Auto-Owners | $124 |
| GEICO | $127 |
| Root | $129 |
| Dairyland | $138 |
| Allstate | $143 |
| Nationwide | $162 |
| USAA | $166 |
| GAINSCO | $168 |
| Liberty Mutual | $178 |
| CSAA | $201 |
| State Auto | $225 |
| Chubb | $254 |
Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.
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Pennsylvania car insurance FAQs
For more information on Pennsylvania car insurance, see the answers to frequently asked questions below.
What are the best car insurance companies in PA?
In Pennsylvania, the best car insurance companies include Erie Insurance, National General, and State Farm. We selected these companies based on their rates, customer service, and coverage options.
What is the average cost of car insurance in Pennsylvania?
On average, drivers in Pennsylvania pay $93 per month for liability insurance and $147 per month for a full- coverage policy, Insurify data shows.
Which company has the best customer service in Pennsylvania?
Erie Insurance received the top ranking in the J.D. Power U.S. Auto Claims Satisfaction Study and a very high overall customer satisfaction score in the mid-Atlantic region.
What car insurance is required in Pennsylvania?
Pennsylvania state law requires drivers to purchase car insurance with $15,000/$30,000 in bodily injury liability protection, $5,000 in property damage liability, and $5,000 in medical benefits.
Which company has the cheapest car insurance in Pennsylvania?
Hugo is the cheapest insurer in Pennsylvania, according to Insurify data, with an average monthly rate of $41 for liability-only coverage.
How can you save money on car insurance in Pennsylvania?
You can save money on your Pennsylvania car insurance policy by switching to a usage-based insurance policy, bundling auto and homeowners insurance, asking about safe driving discounts, or increasing your deductibles.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Commonwealth of Pennsylvania. "Auto & Motorcycle Insurance."
- Commonwealth of Pennsylvania. "PennDOT, Safety Partners Remind Motorists to Watch for Deer on Roadways."
- Commonwealth of Pennsylvania. "Possible Hazards."
- Mercer County Pennsylvania. "Department of Publi Safety Tornado & Severe Weather Preparedness."
- Pennsylvania Traffic Injury Prevention Project. "Speeding Fine Scale."
- Commonwealth of Pennsylvania. "Pennsylvania's Point System."
- Pennsylvania Department of Transportation. "Pennsylvania Crash Facts & Statistics."
- Commonwealth of Pennsylvania. "Young Driver."
- Commonwealth of Pennsylvania. "Mature Drivers."
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Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Becky HelzerEditor
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.