Cheap Full-Coverage Car Insurance in Pennsylvania (2026)
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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Written byCarley Clark
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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
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Quick Facts
Full-coverage rates in Pennsylvania fall below the national average. The state’s lower rates of crash fatalities and uninsured motorists may contribute to these lower premiums.
Pennsylvania is one of a handful of states that prohibits insurers from using gender when setting rates.
In 2024, losses from a property damage-only crash in Pennsylvania averaged $14,374.
Cheapest full-coverage car insurance in Pennsylvania
Full-coverage car insurance in Pennsylvania averages $161 per month, with the lowest rates from State Farm.
More than 200 licensed insurers compete for business across the state, and rates can vary widely among companies. Comparing car insurance quotes in Pennsylvania can help you find the best price.
The table below shows the car insurance companies in Pennsylvania with the cheapest full-coverage rates.
The below rates in Pennsylvania are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $82 |
| Erie | $96 |
| Auto-Owners | $103 |
| Plymouth Rock | $110 |
| Allstate | $120 |
| National General | $125 |
| Travelers | $125 |
| GEICO | $130 |
| Safeco | $130 |
| Liberty Mutual | $146 |
| First Acceptance | $150 |
| Progressive | $150 |
| Direct Auto | $163 |
| Bristol West | $168 |
| USAA | $169 |
| Root | $171 |
| Chubb | $195 |
| GAINSCO | $225 |
| State Auto | $226 |
| CSAA | $246 |
| The General | $247 |
| Dairyland | $270 |
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.
How much is full-coverage insurance in Pennsylvania?
The average cost of car insurance in Pennsylvania is $161 per month for full coverage. Auto insurance rates tend to fall below the national monthly average of $187 per month, even though Pennsylvania ranks among the top 15 states for population density.[1]
Rates in the state may be cheaper for several reasons. In 2023, for example, Pennsylvania had a crash fatality rate slightly below the U.S. average.[2]
In addition, Pennsylvania’s uninsured driver rate of 11% in 2023 fell below the national average of 15.4%, according to data from the Insurance Research Council.
Your driver profile also affects your insurance premiums. Insurers consider factors like your age, ZIP code, vehicle type, and driving history. Unlike many other states, though, Pennsylvania doesn’t allow insurers to use gender when setting rates.
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How to find cheap full-coverage car insurance in Pennsylvania
Although rates in Pennsylvania are already cheaper than the national average, you may be able to lower your premiums even further with the following tips:
Compare rates. Review your coverage regularly with your insurance company or agent. More than 200 companies compete for business in the state, according to the Pennsylvania Insurance Department, which means prices can vary significantly.
Bundle policies. More than 69% of housing units are owner-occupied in Pennsylvania, according to the U.S. Census Bureau. If you own your home, you can usually save money by bundling your auto and homeowners insurance.
Ask about discounts. Insurers may offer discounts for good students and cars with safety features. In Pennsylvania, insurers must reduce premiums by at least 5% if all named policyholders in your household aged 55 and older complete a state-approved driving course.[3]
Maintain a clean driving record. Insurers consider at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions when determining your rate, so driving safely can save you money on your premiums.
Consider limited tort. Choosing a limited tort option over full tort can cut costs on several insurance coverages by around 40%, according to the Pennsylvania Insurance Department. The trade-off is that you typically can’t sue for pain and suffering.
What full-coverage car insurance covers
“Full coverage” isn’t an official policy type. Instead, it’s a term commonly used to describe a combination of coverages in Pennsylvania, such as:
Bodily injury liability
Covers the other driver’s and passengers’ medical bills if you cause an accident
Property damage liability
Pays for the other driver’s vehicle repairs or property damage if you cause an accident
Medical benefits
This insurance covers medical expenses for you and your passengers after an accident, regardless of who was at fault. Pennsylvania requires this coverage, as it follows a no-fault insurance system. Depending on the state, medical benefits coverage may be called medical payments (MedPay) or personal injury protection (PIP).
Collision coverage
Pays to repair or replace your car after a collision with another vehicle or object, minus your deductible
Comprehensive coverage
Pays for non-collision events, such as vandalism, theft, fire, hail, and hitting an animal[4]
Pennsylvania minimum car insurance requirements include the following:
Bodily injury liability: $15,000 per person and $30,000 per accident for injuries or death you cause to others in an accident
Property damage liability: $5,000 for damage you cause to someone else’s vehicle or property
Medical benefits: $5,000 to pay toward your medical bills and those of your passengers
Many insurance professionals recommend buying more than state-minimum liability limits. Damages can easily exceed those amounts after an accident, leaving you responsible for paying the balance out of pocket.
Insurers must also offer uninsured motorist coverage, though state law doesn’t require you to have it.
Minimum vs. full-coverage car insurance in Pennsylvania
Minimum coverage meets Pennsylvania’s car insurance requirements, while full coverage protects your own vehicle by adding comprehensive and collision coverage.
Below is an overview comparing the two coverages.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Pennsylvania | $90 | $161 |
| Covers damage to your own car | No | Yes |
| Covers damage to the other car | Yes | Yes |
| Required for financed vehicles | No | Yes |
| Best for older, low-value vehicles | Often, yes | May not be worth it |
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.
Comprehensive and collision are optional coverages, but your lender will likely require them if you finance your vehicle, as 32% of Pennsylvania drivers do, according to Insurify data. Full coverage also makes sense for newer or higher-value vehicles because it helps pay for costly repairs or vehicle replacement after an accident.
On the other hand, if your car is older or worth less than what you’d pay in premiums and deductibles, liability-only coverage may be more practical.
Is full-coverage car insurance worth it in Pennsylvania?
In 2024, property damage losses after a car accident in Pennsylvania averaged $14,374, according to the Pennsylvania Department of Transportation. Without full coverage, you’d have to pay out of pocket after an at-fault accident to repair or replace your vehicle.
Say, for example, that you have liability-only coverage and are in an accident that’s your fault. Your car sustains several thousand dollars in damage. Since a liability-only policy doesn’t cover your vehicle, you’d be responsible for the repair bill.
But if you have full coverage, your policy would pay to repair your vehicle, minus the deductible.
Full coverage is especially worth it if your vehicle is newer or high in value, since repairs or replacements can be expensive. Weighing how much you’d pay in premiums and deductibles can help you decide if full coverage makes sense for your situation.
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Pros and cons of full-coverage car insurance in Pennsylvania
When deciding whether to insure your car with liability only or full coverage, consider the benefits and drawbacks of full coverage.
Pros
Pays to repair your vehicle damage after an at-fault accident, not just damage you cause to others
Protects you financially against non-collision losses, including theft, vandalism, and weather damage
More affordable relative to income than in many other states
Cons
Costs more per month than liability-only coverage
May not be worth it for older or low-value vehicles
Won’t completely eliminate out-of-pocket costs, since deductibles still apply
Full-coverage car insurance in Pennsylvania FAQs
As Pennsylvania is home to more than 10 million drivers, according to the Pennsylvania Department of Transportation (PennDOT), many are likely to have insurance questions. The information below can help you find the right coverage and price.
What is the best full-coverage car insurance in PA?
The best car insurance in Pennsylvania depends on your insurance needs and budget. Rates vary by driver, so it’s important to request quotes from multiple insurers or work with an insurance agency to compare coverage and pricing.
Which company has the cheapest car insurance in Pennsylvania?
State Farm offers the cheapest full-coverage car insurance in Pennsylvania, averaging $82 per month. Your driving record, ZIP code, deductibles, and coverage limits affect your premium, so check car insurance quotes from multiple companies to find the best rate.
What is the cheapest auto insurance for teens and young drivers in Pennsylvania?
Young drivers and teens can find some of the cheapest auto insurance rates from State Farm, with policies averaging $94 per month. Liability-only insurance is typically more affordable than full-coverage car insurance, especially for young drivers.
How can you find affordable full-coverage car insurance in Pennsylvania?
Comparing quotes across multiple insurers, asking about discounts, bundling home or renters insurance, and maintaining a clean driving record are all ways to get affordable car insurance in Pennsylvania.
Sources
- U.S. Census Bureau. "Population Density of the 50 States, the District of Columbia, and Puerto Rico: 1910 to 2020."
- National Highway Traffic Safety Administration. "Traffic Safety Facts 2023 Data."
- Commonwealth of Pennsylvania. "Auto & Motorcycle Insurance."
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
Methodology
Insurify data scientists analyzed more than 250 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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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969