Cheapest Car Insurance Quotes in State College, Pennsylvania (October 2026)
Plymouth Rock offers the cheapest car insurance in State College, with liability policies averaging $35 per month.
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Writer: Ashlee ValentineInsurance and Personal Finance Writer
Writer: Ashlee ValentineInsurance and Personal Finance Writer
Ashlee Valentine is an experienced insurance and personal finance writer and editor whose work has appeared in Forbes Advisor, Bankrate, CNET, and other national publications. She has spent nearly a decade writing and editing insurance content, including serving in senior editorial roles covering insurance research, ratings, and consumer guidance. Her extensive insurance experience spans personal and commercial auto, life, business, health, and homeowners insurance.
Ashlee holds an MBA with a concentration in finance and has more than a decade of professional experience in finance, procurement, and supply chain management. She brings a research-driven approach to her work, with a focus on making complex insurance and financial topics clear, accurate, and useful to consumers.
When she isn't writing and editing, Ashlee enjoys gardening, homesteading, and spending time with her family on their farm in Kentucky.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Average cost of car insurance in State College, PA
Car insurance in State College averages $70 per month for liability coverage and $122 per month for full coverage. State College drivers pay less than the average cost of car insurance in Pennsylvania of $90 per month for liability coverage and $162 for full coverage, respectively.
State college averages are also lower than Philadelphia’s ($165 for liability coverage and $288 for full coverage) and Altoona’s ($80 and $139).
Home to Penn State University, State College is a highly walkable town with numerous bike paths. State College residents have a relatively short commute of 15.5 minutes, on average. Walkability, bikeability, and shorter vehicle commutes all reduce accident risks and contribute to the borough’s comparatively low car insurance costs.
Cheapest State College car insurance by coverage level
Plymouth Rock offers the cheapest car insurance in State College. Its liability rates average $35 per month.
State Farm has the cheapest full-coverage policies, averaging $63 monthly.
These rates are both below typical State College and Pennsylvania car insurance averages.
State College drivers must buy car insurance that meets Pennsylvania’s car insurance requirements of $15,000 in bodily injury liability per person, $30,000 per accident, $5,000 in property damage liability, and $5,000 in medical benefits.[1] But with the area’s winter weather driving risks, you may want full coverage to help pay for damage to your own vehicle if you need to file a claim.
The following table shows the cheapest liability-only and full-coverage car insurance rates from top insurers in State College.
The below rates in State College, PA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Plymouth Rock | $35 |
| State Farm | $38 |
| Erie | $45 |
| National General | $45 |
| First Acceptance | $46 |
| Auto-Owners | $48 |
| Progressive | $50 |
| Allstate | $52 |
| The General | $53 |
| Travelers | $59 |
| GEICO | $61 |
| Safeco | $63 |
| Direct Auto | $64 |
| Bristol West | $72 |
| USAA | $79 |
| Root | $84 |
| Dairyland | $88 |
| Chubb | $91 |
| GAINSCO | $98 |
| Liberty Mutual | $98 |
| State Auto | $106 |
| CSAA | $129 |
Disclaimer: Table data sourced from real-time State College car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in State College may vary based on the policy buyer's unique driver profile.
The below rates in State College, PA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $63 |
| Erie | $73 |
| Auto-Owners | $78 |
| Plymouth Rock | $85 |
| Travelers | $95 |
| Allstate | $96 |
| National General | $98 |
| GEICO | $100 |
| Safeco | $101 |
| Liberty Mutual | $112 |
| First Acceptance | $115 |
| Progressive | $115 |
| Direct Auto | $125 |
| Bristol West | $129 |
| USAA | $129 |
| Root | $136 |
| Chubb | $149 |
| The General | $155 |
| State Auto | $173 |
| GAINSCO | $183 |
| CSAA | $184 |
| Dairyland | $213 |
Disclaimer: Table data sourced from real-time State College car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in State College may vary based on the policy buyer's unique driver profile.
Average car insurance rates in other PA cities
State College drivers typically pay less for auto insurance than drivers in Philadelphia but more than drivers in Lancaster. The borough’s population is much lower than Philadelphia’s — roughly 41,000 versus more than 1.5 million — and its lower car insurance rates reflect the difference in traffic congestion that comes with a smaller population.
Although State College also has a smaller population than Lancaster, home to more than 58,300 Pennsylvanians, major routes such as Interstate 99 and U.S. Route 322 still bring regional and interstate traffic through the borough. Congestion and safety concerns along the U.S. Route 322 corridor add traffic exposure despite State College’s smaller size.
The following table compares overall average car insurance rates across Pennsylvania cities.
The below rates in State College, PA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
City | Average Monthly Quote |
|---|---|
| Hanover | $98 |
| Chambersburg | $109 |
| Altoona | $110 |
| Lancaster | $111 |
| Pottsville | $111 |
| Bethlehem | $116 |
| Erie | $119 |
| York | $120 |
| Wilkes-Barre | $121 |
| Harrisburg | $124 |
| Pittsburgh | $125 |
| Phoenixville | $130 |
| Scranton | $132 |
| Reading | $136 |
| Bristol | $149 |
| Allentown | $153 |
| Chester | $196 |
| Philadelphia | $227 |
Disclaimer: Table data sourced from real-time State College car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in State College may vary based on the policy buyer's unique driver profile.
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Tips for driving in State College
Penn State University significantly affects driving in State College, especially during campus events. Winter weather can also make driving a challenge in the borough, where busy travel corridors and limited parking affect traffic congestion.
Plan ahead for Penn State home football weekends
When the Penn State Nittany Lions play home football games, you can expect parking and traffic patterns to change around State College. During home football Saturdays in 2026, the Borough charges special-event rates in Holmes-Foster, the Highlands, and College Heights.[2] Check borough parking updates before heading downtown or toward campus.
Use extra caution around Atherton Street and downtown
Atherton Street and College Avenue are major routes through State College and also feed into the Penn State campus. Traffic is often heavier around campus and downtown during major university events, so be sure to leave extra following distance and watch for pedestrians and sudden stops.
Prepare for snow-parking rules
State College averages about 44 inches of snow per year. The borough has designated snow-removal zones where it bans parking once snowfall reaches 3 inches. If there’s enough snow to prompt a declared snow emergency, the Borough prohibits all on-street parking until crews clear the streets.[3] Make sure you’re familiar with the borough’s snow rules.
Car insurance quotes in State College by driving record
State College drivers with a clean driving record pay an average of $70 per month for liability coverage, compared to $79 after a speeding ticket and $113 after a driving under the influence (DUI) violation. About 4.5% of State College drivers have a speeding ticket on their record, compared with 3% in nearby Altoona. DUI violations appear on .9% of State College driving records, versus 1.3% in Altoona, according to Insurify data.
The following table shows the overall average monthly State College car insurance quotes by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $96 |
| Speeding ticket | $108 |
| At-fault accident | $118 |
| DUI | $155 |
Disclaimer: Table data is based on real-time State College quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
State College car insurance rates by age
As in any location, rates vary substantially by age. As a college town, State College has a high number of young drivers, the age cohort that pays the most for car insurance.
About 67% of State College residents are ages 15 to 24, which reflects the city’s large student population.[4] Penn State’s University Park campus had enrollment of 42,822 residential undergraduates in fall 2025, but university housing accommodates about 14,000 students, according to Penn State.
Car insurance for teenagers in State College averages $120 per month for liability coverage, compared to $74 for drivers in their 40s. Car insurance for seniors costs considerably less, with drivers aged 60 and older paying an average of $61 per month for minimum coverage.
The table below shows average liability rates for State College drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $120 |
| 20s | $85 |
| 30s | $75 |
| 40s | $73 |
| 50s | $64 |
| 60s | $60 |
| 70+ | $59 |
Disclaimer: Table data is based on real-time State College quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest recent car insurance quotes in Pennsylvania
Recent State College, Pennsylvania car insurance prices for Subaru, Honda, Nissan, and more.
*Quotes generated for Insurify users in and around State College, Pennsylvania within the last 10 days. Last updated on October 9, 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 October 9, 2026. 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 October 9, 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 October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Expert tips from licensed insurance agents
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Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Qualifications:
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Anuj DesaiLicensed Property & Casualty Insurance Agent
Anuj DesaiLicensed Property & Casualty Insurance Agent
Qualifications:
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Auto insurance in State College FAQs
If you’re shopping for car insurance in State College, these answers cover common questions about rates and finding affordable coverage.
How much does car insurance cost in State College, PA?
Car insurance in State College averages $70 per month for liability coverage and $122 per month for full coverage. Your actual premium will depend on factors such as age, driving record, vehicle, coverage choices, and more.
Which company has the cheapest car insurance rates in State College?
Plymouth Rock currently offers the cheapest car insurance in State College, with an average rate of $35 per month for liability coverage. Its rates fall below the borough’s averages.
What factors affect car insurance rates in State College, PA?
Penn State University, a large population of young commuters, and the potential for severe winter weather all affect car insurance costs in State College. The borough averages about 44 inches of snow annually, and Penn State events can bring heavier traffic around campus and downtown.
How can you find affordable car insurance in State College, PA?
To find affordable car insurance in State College, compare car insurance quotes with the same coverage limits and deductibles.
Because rates vary substantially by driver, local risk, and insurer, it’s worth comparing more than one company. This is especially the case if you often drive around Penn State, commute through downtown, or deal with the borough’s winter driving conditions. Also check for home insurance and auto insurance bundling discounts, safe driving discounts, and other savings you may qualify for.
Sources
- Pennsylvania Driver and Vehicle Services. "Insurance Overview."
- State College Borough. "Parking Updates."
- State College Borough. "Snow."
- U.S. Census Bureau. "State College borough, Pennsylvania."
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
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Writer: Ashlee ValentineInsurance and Personal Finance Writer
Writer: Ashlee ValentineInsurance and Personal Finance Writer
Ashlee Valentine is an experienced insurance and personal finance writer and editor whose work has appeared in Forbes Advisor, Bankrate, CNET, and other national publications. She has spent nearly a decade writing and editing insurance content, including serving in senior editorial roles covering insurance research, ratings, and consumer guidance. Her extensive insurance experience spans personal and commercial auto, life, business, health, and homeowners insurance.
Ashlee holds an MBA with a concentration in finance and has more than a decade of professional experience in finance, procurement, and supply chain management. She brings a research-driven approach to her work, with a focus on making complex insurance and financial topics clear, accurate, and useful to consumers.
When she isn't writing and editing, Ashlee enjoys gardening, homesteading, and spending time with her family on their farm in Kentucky.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.