Cheapest Auto Insurance in Pennsylvania (2024)
Drivers in Pennsylvania can find the cheapest car insurance rates with State Farm, starting at $51 per month for liability-only coverage.
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Written byAlani Asis
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3 years of content writing
Bylines with leading financial publications
Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, 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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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 November 20, 2024
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Table of contents
Car insurance in Pennsylvania averages $173 monthly for full coverage and $93 for minimum coverage, Insurify data shows. Pennsylvania drivers pay less for car insurance than the national averages of $204 per month for full coverage and $104 for liability-only policies.
A comparatively low fatality rate, which has declined over the past few years, likely contributes to the commonwealth’s lower car insurance costs.[1] Pennsylvania also has a low population density and only three cities with populations of more than 100,000 residents. Less traffic congestion in an area can mean fewer accidents and lower car insurance rates.
Commonwealth drivers can save even more by comparing car insurance quotes from multiple companies. Here’s what you need to know about finding affordable car insurance in Pennsylvania.
Quick Facts
State Farm, Mile Auto, and Erie are the three cheapest insurers for Pennsylvania drivers.
Pennsylvania drivers pay an average of $2,080 per year for full-coverage car insurance.
Driving without insurance in Pennsylvania can result in a $300 fine and a three-month suspension of your driver’s license and vehicle registration.[2]
3 of the cheapest car insurance companies in Pennsylvania
Your financial situation and insurance needs influence the type of coverage and insurer that will work best for you. If you have a driving incident on your record — or need a certain type of coverage — you can find a quality car insurance company that caters to your specific situation.
Here are a few of the cheapest car insurance companies in Pennsylvania.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|---|
| State Farm | 9.3 | $110 | $51 |
| Travelers | 9.0 | $165 | $77 |
| Erie | 9.0 | $127 | $59 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
State Farm
| 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. | 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. | $51/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. | $110/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
The largest property and casualty insurer in the U.S. by market share, State Farm sells many insurance products, including vehicle, home, property, small business, life, health, pet, and disability insurance. State Farm offers customizable auto insurance at an affordable price. Customers can choose to purchase optional coverages like collision, comprehensive, rental, rideshare, and emergency roadside service insurance.
Pros
You can save up to 20% with the Steer Clear discount
Bundling opportunities available
Cons
Mixed customer reviews online
Doesn’t offer gap insurance
Travelers
| User Reviews | 4.7 |
|---|---|
| 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. | 9.0 /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. | $77/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. | $165/mo |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
860NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
Travelers, another top 10 national insurer, provides quality coverage that’s affordable. Drivers can earn even lower premiums by qualifying for one or more of the company’s 12 advertised discounts. Customers with home or renters insurance can save by bundling this coverage with their auto policy.
Pros
Offers numerous discounts
Customizable coverage options
Cons
Below-average Better Business Bureau (BBB) customer rating
Rideshare coverage only available in Colorado and Illinois
Erie
| 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. | 9.0 /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. | $59/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. | $127/mo |
4.1
Best choiceBased on 240 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
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
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.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
With its headquarters in Erie, this insurer has been in business since 1925 and has many agents available in Pennsylvania to help you customize your car insurance policy. Its standard policies include first accident forgiveness, windshield repair, and pet injury coverage, which not all insurers offer.
The company also has several add-on coverage options, including motorcycle insurance, new car replacement, and rental car coverage.
Pros
Top J.D. Power customer satisfaction rating in Pennsylvania
A+ (Superior) financial strength rating from AM Best
Cons
Available in only 12 states
Can’t file claims online
How to get the cheapest car insurance in Pennsylvania
Finding car insurance that fits into your budget is essential, but a cheap policy doesn’t always equal quality coverage. You should choose an insurer with solid industry rankings and a good track record of quality customer service.
The following tips can help you find a reputable car insurance company at the best price:[3]
Shop around. You should compare quotes from at least three quality insurers to find the coverage you need at an affordable price.
Increase your deductible. Choosing a higher deductible can help you lower your premiums. Make sure you can pay the deductible if you need to file a claim.
Add discounts. You should always take advantage of discounts related to your driving history, vehicle safety features, membership with certain organizations, and more.
Maintain good credit. Insurers can use your credit-based insurance score to determine how likely you are to file a claim. Improve or maintain your credit score to qualify for better premiums on your insurance policy.
Drive a safe vehicle. Insuring a car with safety features, like anti-lock brakes, can lower your premiums and qualify you for policy discounts.
Cheapest liability-only car insurance in Pennsylvania: State Farm
A liability-only policy covers bodily injury and property damage to other parties when you’re at fault in an accident. While this is the most cost-effective option, it doesn’t provide coverage for your medical expenses and vehicle damage. You may have to pay out of pocket for your own vehicle repairs if you cause an accident and you don’t have full-coverage car insurance.[4] And, if the damages or injuries you cause cost more than your policy limits, you may be on the hook to pay the difference.
Liability-only insurance in Pennsylvania costs $93 per month, on average. Check out the chart below to find Pennsylvania’s most cost-effective liability-only car insurance.
10 Cheapest Liability-Only Insurers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Pennsylvania: Mile Auto
A full-coverage policy pays for your vehicle repairs, even if you cause an accident. This type of policy includes liability, comprehensive, and collision coverages. Frequent or high-risk drivers — and people with expensive vehicles — should consider a full-coverage policy. If you have a loan or a lease on your car, most lenders require you to purchase full coverage.
“Having adequate coverage ensures that you and other drivers will be protected in the case of an accident, regardless of who was at fault,” says Kyle Pearman, agency owner of the Atherton Group in Pennsylvania.
Pennsylvania drivers pay an average of $173 per month for a full-coverage policy.
Full coverage typically costs more than a liability-only policy, but you can still find coverage at a competitive price. Find the most affordable insurers for full-coverage policies in Pennsylvania below.
10 Cheapest Full-Coverage Insurers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Pennsylvania
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $86/mo for full coverage in Pennsylvania.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Pennsylvania
Pennsylvania is a no-fault state, which means that insurers must cover their policyholders’ medical bills related to an accident, regardless of fault.
In Pennsylvania, you must carry a minimum amount of liability insurance, as well as medical benefits coverage through personal injury protection (PIP) or medical payments (MedPay) coverage. PIP pays for a broad range of medical expenses after a car accident, such as lost wages and rehabilitation costs. MedPay covers medical expenses and funeral costs.
The specific minimum coverage requirements in Pennsylvania include the following:[5]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
| Medical benefits | $5,000 |
You may decide to purchase more than the state’s minimum coverage for more protection. Consider the following optional coverages:
Uninsured/underinsured motorist coverage
If the at-fault party doesn’t have enough insurance to cover your medical expenses or vehicle repairs, this insurance fills coverage gaps. Uninsured/underinsured motorist coverage can also pay for damages from a hit-and-run accident.
Comprehensive coverage
After a non-collision event, like weather, theft, or vandalism, causes vehicle damage, comprehensive insurance pays for repairs.
Collision coverage
Collision insurance kicks in after a collision with another vehicle or object, even if you caused it.
Gap coverage
Gap insurance, also known as guaranteed asset protection, can help pay off your car loan if an accident totals your car (or someone steals it) and you owe more on your loan than your insurance company pays.
Accident forgiveness coverage
Some insurance companies offer accident forgiveness coverage, which guarantees your premium won’t increase after your first at-fault accident. Depending on the insurance company, accident forgiveness may be a free add-on, or you may have to pay extra for it.
Roadside assistance coverage
Many insurers offer roadside assistance coverage as an add-on that connects you with a professional towing or repair service when your car breaks down. The service can typically send someone to help with issues like a flat tire, dead battery, or lost keys.
Cheapest car insurance for drivers with an incident
Driving incidents include at-fault accidents, speeding tickets, DUIs, and other moving violations. If you have an incident on your motor record, your probability of having another is higher than someone with a clean record. Therefore, your risk profile increases, and your insurer may charge you more for an auto policy.
Drivers with a clean record typically pay the lowest premiums.[6]
Find Car Insurance in Pennsylvania
Liability rates start at $60 per month for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can result in more than just a ticket and a fine. It can also cause an increase in your insurance premiums. Liability insurance costs an average of $116 per month for Pennsylvania drivers with a speeding ticket.
A speeding ticket can remain on your record and negatively affect your premium for several years, but you can still find affordable car insurance.
You’ll find the best deals on car insurance for drivers with speeding tickets in the table below, which shows the average cost of liability car insurance for drivers with a clean record and drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $51 | $62 |
| Mile Auto | $53 | $65 |
| Erie | $59 | $74 |
| Auto-Owners | $63 | $78 |
| Plymouth Rock | $65 | $85 |
| National General | $66 | $81 |
| Travelers | $77 | $95 |
| GEICO | $79 | $96 |
| Progressive | $80 | $97 |
| Foremost | $86 | $113 |
| Allstate | $89 | $109 |
| Safeco | $94 | $116 |
| Direct Auto | $95 | $116 |
| The General | $95 | $118 |
| Nationwide | $101 | $125 |
| USAA | $104 | $127 |
| Chubb | $120 | $149 |
| Bristol West | $125 | $154 |
| Dairyland | $127 | $155 |
| CSAA | $132 | $165 |
| State Auto | $139 | $184 |
| Liberty Mutual | $162 | $214 |
| Hugo | $181 | $217 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you have a recent at-fault accident on your record, insurers may consider you a risky driver. The collision can stay on your record for several years, and as a result, you may pay higher insurance premiums during that period of time.
Drivers in Pennsylvania with an accident on record pay a monthly average of $123 for a liability-only policy.
Fortunately, some insurers still offer competitive premiums to drivers with past at-fault accidents. In the table below, you can see how monthly liability rates for drivers with a clean record compare to liability rates for drivers with an accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲ ▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $51 | $66 |
| Mile Auto | $53 | $70 |
| Erie | $59 | $78 |
| Auto-Owners | $63 | $82 |
| Plymouth Rock | $65 | $90 |
| National General | $66 | $85 |
| Travelers | $77 | $100 |
| GEICO | $79 | $103 |
| Progressive | $80 | $104 |
| Foremost | $86 | $119 |
| Allstate | $89 | $115 |
| Safeco | $94 | $121 |
| Direct Auto | $95 | $126 |
| The General | $95 | $125 |
| Nationwide | $101 | $132 |
| USAA | $104 | $135 |
| Chubb | $120 | $156 |
| Bristol West | $125 | $162 |
| Dairyland | $127 | $163 |
| CSAA | $132 | $177 |
| State Auto | $139 | $196 |
| Liberty Mutual | $162 | $224 |
| Hugo | $181 | $250 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
DUI convictions can have significant legal and financial repercussions, including a sizable increase in your insurance premiums. After your first DUI charge in Pennsylvania, you can face up to six months of probation, a $300 fine, and mandatory alcohol safety school.[7]
Some insurers will refuse to insure you after one or more DUI charges, and others may issue more expensive quotes for coverage due to your high-risk status. Pennsylvania drivers with a DUI pay monthly averages of $141 for liability coverage and $263 for full coverage.
But you can still find cost-effective options for car insurance if you have a DUI in Pennsylvania. Start your search by considering the insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $51 | $81 |
| Mile Auto | $53 | $84 |
| Erie | $59 | $93 |
| Auto-Owners | $63 | $100 |
| Plymouth Rock | $65 | $103 |
| National General | $66 | $104 |
| Travelers | $77 | $122 |
| GEICO | $79 | $125 |
| Progressive | $80 | $127 |
| Foremost | $86 | $136 |
| Allstate | $89 | $141 |
| Safeco | $94 | $138 |
| Direct Auto | $95 | $150 |
| The General | $95 | $150 |
| Nationwide | $101 | $160 |
| USAA | $104 | $165 |
| Chubb | $120 | $190 |
| Bristol West | $125 | $198 |
| Dairyland | $127 | $201 |
| CSAA | $132 | $187 |
| State Auto | $139 | $220 |
| Liberty Mutual | $162 | $256 |
| Hugo | $181 | $287 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Aging can affect driving ability because of factors like slower reaction times and decreased vision, which increase the risk of accidents. Insurers account for this risk by charging drivers slightly higher premiums around age 70.
Senior drivers in Pennsylvania pay $75 per month for liability coverage and $139 per month for full coverage, on average.
The following car insurance companies offer inexpensive coverage for senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $27 | $59 |
| Mile Auto | $29 | $41 |
| Erie | $32 | $69 |
| Auto-Owners | $35 | $77 |
| National General | $37 | $88 |
| Progressive | $38 | $79 |
| Plymouth Rock | $39 | $81 |
| Travelers | $44 | $95 |
| GEICO | $46 | $97 |
| Nationwide | $51 | $108 |
| Allstate | $53 | $111 |
| Foremost | $53 | $128 |
| Direct Auto | $55 | $108 |
| Chubb | $59 | $124 |
| The General | $60 | $154 |
| USAA | $63 | $131 |
| Safeco | $66 | $111 |
| CSAA | $70 | $92 |
| State Auto | $72 | $157 |
| Bristol West | $76 | $141 |
| Dairyland | $78 | $180 |
| Liberty Mutual | $104 | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Keep Reading: What Are the Best Cars for Senior Drivers?
Cheapest car insurance for teens: State Farm
Though many teenagers view driving as an important milestone, it comes with the downside of high insurance costs. Due to a lack of driving experience, young drivers face much higher car insurance premiums than adults.
Liability insurance for teen drivers in Pennsylvania costs an average of $151 per month, and full coverage costs $281 per month.
But you can reduce costs as a teen driver by staying on your parents’ insurance, driving a safe car, and taking advantage of good student discounts. Compare quotes from companies that offer the cheapest car insurance options for teens in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $86 | $185 |
| Erie | $97 | $208 |
| Mile Auto | $101 | $141 |
| Auto-Owners | $103 | $228 |
| Plymouth Rock | $116 | $243 |
| GEICO | $123 | $257 |
| National General | $128 | $300 |
| Travelers | $136 | $292 |
| Progressive | $137 | $289 |
| The General | $147 | $376 |
| Foremost | $150 | $360 |
| Allstate | $155 | $326 |
| Direct Auto | $170 | $337 |
| USAA | $170 | $356 |
| Nationwide | $173 | $364 |
| Safeco | $178 | $296 |
| Dairyland | $200 | $464 |
| Bristol West | $206 | $382 |
| CSAA | $207 | $274 |
| Chubb | $225 | $475 |
| State Auto | $242 | $525 |
| Liberty Mutual | $272 | $366 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Pennsylvania car insurance quotes by credit tier
Pennsylvania allows insurers to check your credit history and use it to determine the likelihood of you filing a claim. An excellent or good credit score can result in lower premiums, and a poor credit score can result in higher premiums.
Here’s a breakdown of what your insurance premiums may look like for each credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Pennsylvania car insurance FAQs
You should prioritize your coverage needs when looking for car insurance in Pennsylvania. The following information should help you navigate finding cheap coverage in the state.
How much is car insurance in Pennsylvania?
On average, Pennsylvania drivers pay $93 per month for liability and $173 per month for full-coverage car insurance. Your specific quote depends on your driving record, credit history, age, vehicle type, ZIP code, insurer, coverage levels, and more.
What is the cheapest car insurance company in Pennsylvania?
State Farm is the cheapest car insurance company in Pennsylvania, with monthly liability-only rates of $51.
Can you buy dollar-a-day insurance in Pennsylvania?
No. Pennsylvania doesn’t offer dollar-a-day insurance. But drivers living in New Jersey can purchase dollar-a-day insurance.
What’s the shortest car insurance coverage term you can buy in Pennsylvania?
Most standard car insurance policies last six or 12 months. But Hugo, a newer insurer, sells policies that last between three days and six months in Pennsylvania and several other states. You can buy coverage for as little as three days at a time, paying smaller amounts more frequently instead of all at once. But the insurer only offers state-minimum coverage.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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.
Related articles
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Sources
- Pennsylvania Department of Transportation. "2022 Pennsylvania Crash Facts & Statistics."
- Pennsylvania Department of Transportation. "Insurance Law Overview and Frequently Asked Questions."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Pennsylvania Insurance Department. "Automobile Insurance Guide."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Pennsylvania Department of Transportation. ".08 DUI Legislation."
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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.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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.
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