Cheapest Auto Insurance in State College, Pennsylvania (2024)

State Farm is the cheapest liability insurance company in State College, Pennsylvania, with rates of $47 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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Updated December 19, 2024

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Cheapest recent rates near State College, Pennsylvania

Recent State College, Pennsylvania car insurance prices for Hyundai, Volkswagen, Chevrolet , and more.

*Quotes generated for Insurify users in and around State College, Pennsylvania within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around State College, Pennsylvania within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Home to one of the largest universities in the United States, State College has an average car insurance cost of $123 per month. PennDOT data shows that Centre County had 1% of all vehicle crashes in Pennsylvania in 2022.[1] With only 1.2% of the state population in this county, that could be one reason why rates are cheaper than the national average of $153.

Here’s what you need to know about the cheapest companies in State College auto insurance and how to compare rates.

Quick Facts
  • The average cost of car insurance in State College is $75 per month for liability insurance and $172 per month for full coverage.

  • The cheapest full-coverage insurance company in State College is Mile Auto.

  • Pennsylvania is a no-fault state with an option of having traditional tort insurance.

3 of the cheapest car insurance companies in State College

Penn State University students may have different car insurance coverage needs than drivers who commute to the Pennsylvania Military Museum for work. That’s why the best auto insurance policy is the one that aligns with your individual needs. The most important thing is not only to find the best deal in your budget but also to choose the insurance policy that provides the coverage you want.

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
Best For
State Farm9.3$110$51Students
Erie9.0$127$59Coverage options
Auto-Owners8.5$139$64Bundling
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 55,000 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.

Best insurer for students: 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.
$47/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.
$102/mo
4.2
Best choiceBased on 9,243 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 (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

As the home of Pennsylvania State University, State College may have up to 88,000 enrolled students driving through town. State Farm is one of the cheapest options for these students, regardless of whether they live at home or on campus. Drivers younger than 25 may be eligible for discounts for good grades and keeping their records free of at-fault accidents and moving violations.

Pros
  • A++ (Superior) financial strength rating from AM Best

  • Discounts for students and young drivers

Cons
  • Many National Association of Insurance Commissioners (NAIC) complaints in Pennsylvania

  • Doesn’t offer gap insurance

Best insurer for coverage options: 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.
$55/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.
$117/mo
4.1
Best choiceBased on 252 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 (132)

Lacy

December 11, 2024

Verified Review

They were okay, I guess

They're okay, I guess. They wouldn't sell me full coverage because my car had just a couple of dents, but I still thought it looked good.

Bret

December 9, 2024

Verified Review

Average

Good, but just too expensive.

Sarah

November 27, 2024

Verified Review

Been with Eire for Approximately 12 Years, but Recent Increases are Just Too Much

My biggest and only complaint is that the rate increases are becoming more than I can handle.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

With the Pennsylvania Insurance Department encouraging drivers to consider coverage amounts greater than state minimums, Erie’s Auto Plus plan offers policyholders extra insurance for an affordable price. It includes a $10,000 death benefit, waived deductible in some incidents, and increased limits for certain coverages. This separate policy add-on only costs $35 or less per year, which may be the best way for cost-conscious drivers to get the best rate on extensive insurance.

Pros
  • Pennsylvania-based insurance experts

  • Plenty of coverage options to choose from

Cons
  • Must work with independent agents

  • Fewer discounts than competitors

Best insurer for bundling: Auto-Owners

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.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$58/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$129/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)

Jim

November 24, 2024

Verified Review

Auto

Overall, it's good, though their flexibility on pricing is less than desired.

Debra

November 3, 2024

Verified Review

Excellent

They keep raising prices.

Scotty

November 2, 2024

Verified Review

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners may be one of the best options for cheap car insurance in State College. Good drivers can find affordable average rates through Auto-Owners and increase their savings via multi-policy discounts by bundling with home, business, or life insurance policies.

Pros
  • Plenty of coverage options

  • Minimal NAIC complaints in PA

Cons
  • No online claims filing

  • Lower mobile app ratings than competitors

How to get the cheapest car insurance in State College

Even the cheapest car insurance companies consider information like ZIP code, marital status, crime rates, and vehicle year before issuing a policy. No matter if you’re a high-risk driver or just looking for the best prices, consider these ways to get the most affordable car insurance:

  • Ask about group insurance. Graduates of Penn State University should ask about auto insurance coverage opportunities through their alumni or professional groups.

  • Increase your deductible. People who have a clean driving record may consider increasing their deductible, which may lower their monthly premium estimates for auto insurance coverage. Just make sure you can afford the out-of-pocket cost if you file a claim.

  • Look for discounts. Many of the top companies in State College offer multiple discounts that can lower your car insurance costs.

  • Compare quotes. Auto insurers calculate rates differently, so make sure you get quotes from at least three companies to see which one offers you the best rate for the coverage you need.

Find Car Insurance in State College, Pennsylvania

Liability rates start at $47 per month

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Cheapest liability-only car insurance in State College: State Farm

You’ll never have to wonder if liability-only coverage is the right policy for you: All insurers and independent insurance agents must offer policies that meet the state’s minimum insurance requirements.

Liability-only insurance in many states includes bodily injury liability and property damage liability, which compensate other people for injuries and damages from accidents you cause. They don’t cover injuries or damages to you, your passengers, or your car, which is one reason you might want to include other coverages in your policy.

In State College, State Farm offers the cheapest liability-only policies, at $47 per month. The table below shows other affordable car insurance companies in State College.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
State Farm$47
Mile Auto$49
Erie$55
Auto-Owners$58
National General$61
Plymouth Rock$61
Travelers$71
GEICO$73
Progressive$74
Foremost$76
Allstate$82
Safeco$87
Direct Auto$88
The General$88
Nationwide$93
USAA$96
Chubb$111
Bristol West$116
Dairyland$117
CSAA$124
State Auto$129
Liberty Mutual$149
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 full-coverage car insurance in State College: Mile Auto

Full coverage is a type of car insurance that typically includes the state’s minimum requirements for liability coverage, plus collision coverage and comprehensive coverage. Collision covers your vehicle damages when you hit an object or another car; comprehensive coverage pays for repairs when things like weather, animals, fire, floods, and vandalism damage your car.

You might choose full-coverage car insurance if you drive a valuable car or want coverage for incidents like backing into a pole or hitting a pothole. Your lender or lessor might require full-coverage insurance if you finance or lease your car.

Mile Auto has the cheapest full-coverage insurance for State College drivers, with monthly rates of $68.

The table below shows the Pennsylvania insurance companies with the lowest average monthly quotes for full-coverage car insurance in State College.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Mile Auto$68
State Farm$102
Erie$117
Plymouth Rock$124
Auto-Owners$129
National General$143
Safeco$146
GEICO$153
Travelers$153
Progressive$155
CSAA$163
Allstate$173
Direct Auto$175
Foremost$191
Nationwide$197
Liberty Mutual$200
USAA$201
Bristol West$215
Infinity$220
The General$225
Chubb$234
Dairyland$273
State Auto$279
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 recent rates near State College, Pennsylvania

Recent State College, Pennsylvania car insurance prices for KIA, Mitsubishi, Ford , and more.

*Quotes generated for Insurify users in and around State College, Pennsylvania within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around State College, Pennsylvania within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Pennsylvania

State College drivers need to maintain the minimum insurance that state law requires. Basic liability coverage is the bare minimum you can purchase to drive legally in Pennsylvania. Liability coverage is often available at a low rate and is the cheapest car insurance option.

Pennsylvania is a choice no-fault state, which means it offers no-fault coverage as well as traditional tort coverage. Drivers can choose limited-tort or full-tort coverage. Limited tort restricts when you can file legal action against a negligent driver, and full tort allows for unrestricted lawsuits against the negligent driver.[2]

Here are the minimum requirements for all Pennsylvania drivers:[2]

Coverage
Minimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 per accident
Medical payments$5,000 per accident

If you want more than minimum liability coverage, it’s a good idea to consider additional coverage options for things like repairing your car or paying for medical services after an auto accident. Along with collision and comprehensive, the Pennsylvania Insurance Department recommends drivers consider these additional vehicle coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for vehicle repairs if you hit a stationary object or vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for non-collision incidents that damage your vehicle, including falling objects, theft, vandalism, fires, severe weather, and more.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your bodily injury expenses if an at-fault driver with no insurance — or not enough insurance — causes an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage pays for towing and labor costs if your car breaks down.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental reimbursement coverage helps pay for a rental car while your vehicle is in the shop for repairs.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays the difference between your insurance settlement and auto loan balance in the event of a total loss.

See Next: How Much Car Insurance Do You Need?

See Next: How Much Car Insurance Do You Need?

Cheapest car insurance for drivers with an incident

Even the most responsible Pennsylvania drivers make mistakes, but unfortunately, a single incident can increase your car insurance rates. An at-fault accident causes your insurance company to pay for any damage you cause.

Exceeding the speed limit increases your chances of getting into an accident, which is why speeding tickets also raise your premiums. Driving under the influence (DUI) convictions are one of the most serious traffic violations you can commit, regardless of whether you were involved in an accident.

In State College, people with a clean driving record pay an average of $75 per month for liability-only insurance. After a speeding ticket, that increases to $92 per month, on average. However, a DUI increases it even more — to an average of $114 per month.

Here’s how your driving record affects rates with different car insurance companies in State College.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
State Farm$47$56$60$74
Mile Auto$49$60$65$78
Erie$55$69$73$87
Auto-Owners$58$71$76$92
National General$61$74$79$97
Plymouth Rock$61$79$84$97
Travelers$71$87$93$112
GEICO$73$89$95$116
Progressive$74$89$97$117
Foremost$76$100$105$120
Allstate$82$99$106$130
Safeco$87$107$112$124
Direct Auto$88$107$117$139
The General$88$109$117$139
Nationwide$93$114$122$147
USAA$96$116$124$152
Chubb$111$137$145$176
Bristol West$116$142$150$184
Dairyland$117$142$150$185
CSAA$124$154$167$176
State Auto$129$169$182$204
Liberty Mutual$149$195$206$236
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.

Average cost of car insurance by age

The Pennsylvania Insurance Department notes that many insurance companies consider drivers younger than 25 to be a higher risk than older adults.[2] Studies show that teen drivers have crash rates four times the rates of drivers 20 years and older.[3]

Most drivers see rates decrease around age 35, but they can see increases again around age 70. Older drivers may have age-related impairments that affect their driving ability and increase fatal crash rates.[4]

The following table shows how rates vary across multiple age groups.

Age
Average Monthly Quote
Teens$280
20s$198
30s$160
40s$142
50s$127
60s$118
70s$111
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.

Shop for Car Insurance in State College, PA

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State College car insurance quotes by credit tier

Credit-based insurance scores are unique factors insurance companies use when setting premiums. These scores assess a potential policyholder’s credit scores and history; insurers typically consider people with poor credit as higher-risk than people with excellent or good credit.

Pennsylvania is one of the many states that allow insurers to use credit as a factor when determining rates.[2] Here’s how your credit affects average car insurance quotes in State College.

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.

State College car insurance FAQs

Learn about the types of car insurance coverage before shopping rates, and check out the answers to common questions about coverage in State College below.

  • How much is car insurance in State College?

    The average cost of car insurance in State College is $75 per month for liability insurance and $172 per month for full coverage.

  • Who has the cheapest car insurance in State College?

    State Farm, Mile Auto, and Erie are the cheapest car insurance companies in State College, with liability rates of $47, $49, and $55 per month, respectively.

    To find the cheapest rates for you, get quotes from multiple insurance companies so you can compare them. Using an online comparison tool, start with at least three insurers to help you find the best and cheapest quotes.

  • What are the best car insurance companies in State College?

    The best car insurance companies in State College that Insurify identified are State Farm, Erie, and Auto-Owners. These insurers have high Insurify Quality (IQ) Scores, good AM Best financial strength ratings, and high J.D. Power customer satisfaction scores.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Pennsylvania Department of Transportation. "2022 Pennsylvania Crash Facts and Statistics."
  2. Pennsylvania Insurance Department. "Automobile Insurance Guide."
  3. IIHS. "Teenagers."
  4. IIHS. "Older drivers."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Nick has been a contributor at Insurify since October 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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