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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Cheapest recent rates in Pennsylvania
Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $72/mo for full coverage in Pennsylvania.
*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on March 14, 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 March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on March 14, 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 March 14, 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 $157.
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 $77 per month for liability insurance and $169 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$102
$55
Students
Erie
4.4
$118
$64
Coverage options
Auto-Owners
4.0
$127
$69
Bundling
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$49/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.
$91/mo
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
I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$57/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.
$106/mo
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
Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$62/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.
$114/mo
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
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
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 $45 per month
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Cheapest liability-only car insurance in State College: Foremost
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, Foremost offers the cheapest liability-only policies, at $45 per month. The table below shows other affordable car insurance companies in State College.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Foremost
45
Mile Auto
47
State Farm
49
Erie
57
National General
57
Auto-Owners
62
Safeco
62
Midvale Home & Auto
72
Travelers
74
GEICO
76
Progressive
77
The General
84
Allstate
86
Liberty Mutual
86
Plymouth Rock
87
Direct Auto
91
Dairyland
94
Nationwide
98
USAA
100
State Auto
102
Bristol West
113
Chubb
116
CSAA
152
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 $63.
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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
63
State Farm
91
Erie
106
Safeco
106
Travelers
108
Auto-Owners
114
Plymouth Rock
120
Midvale Home & Auto
123
Liberty Mutual
131
Nationwide
131
Foremost
134
Direct Auto
137
GEICO
142
Progressive
143
Allstate
161
National General
177
State Auto
177
CSAA
183
USAA
187
The General
194
Bristol West
208
Infinity
209
Chubb
216
Dairyland
223
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.
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:
Collision coverage
Collision coverage pays for vehicle repairs if you hit a stationary object or vehicle, even if you’re at fault.
Comprehensive coverage
Comprehensive coveragepays for non-collision incidents that damage your vehicle, including falling objects, theft, vandalism, fires, severe weather, and more.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coveragepays for your bodily injury expenses if an at-fault driver with no insurance — or not enough insurance — causes an accident.
Rental reimbursement coverage helps pay for a rental car while your vehicle is in the shop for repairs.
Gap coverage
Gap insurance pays the difference between your insurance settlement and auto loan balance in the event of a total loss.
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 $77 per month for liability-only insurance. After a speeding ticket, that increases to $96 per month, on average. However, a DUI increases it even more — to an average of $118 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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Mile Auto
47
64
69
72
State Farm
49
58
62
75
Erie
57
75
79
79
National General
57
68
74
88
Auto-Owners
62
76
80
95
Safeco
62
82
87
95
Travelers
74
90
96
114
GEICO
76
91
97
117
Progressive
77
96
103
119
The General
84
104
111
129
Allstate
86
103
110
132
Liberty Mutual
86
111
119
132
Direct Auto
91
113
121
140
Dairyland
94
116
123
145
Nationwide
98
118
126
151
USAA
100
119
128
154
Bristol West
113
137
144
174
Chubb
116
141
149
179
CSAA
152
189
205
234
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.
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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 $77 per month for liability insurance and $169 per month for full coverage.
Who has the cheapest car insurance in State College?
Foremost, Mile Auto, and State Farm are the cheapest car insurance companies in State College, with liability rates of $45, $47, and $49 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.
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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.