Cheapest Car Insurance Quotes in Pennsylvania

Cheapest car insurance quotes in Pennsylvania

Plymouth Rock, State Farm, and Erie offer the cheapest car insurance rates in Pennsylvania. To find the lowest rates, we based our quotes on a driver with a clean driving record and good-to-excellent credit.

The table below shows the 10 cheapest insurers in PA for liability-only insurance and full coverage.

The below rates in Pennsylvania are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Plymouth Rock	$46	$109
State Farm	$51	$82
Erie	$59	$95
National General	$59	$125
First Acceptance	$61	$149
Auto-Owners	$63	$102
Progressive	$65	$149
Allstate	$68	$121
The General	$70	$247
Travelers	$77	$123
GEICO	$80	$129
Direct Auto	$84	$162
Safeco	$84	$130
Bristol West	$95	$167
USAA	$104	$167
Root	$110	$172
Dairyland	$114	$271
Chubb	$120	$193
GAINSCO	$128	$235
Liberty Mutual	$130	$145
State Auto	$140	$224
CSAA	$170	$254

Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Best-rated insurance companies in Pennsylvania

Pennsylvania drivers have more than 1,200 insurance companies to choose from, but customer experiences can vary by company.^[1] 

We ranked the best Pennsylvania insurers using actual user reviews we compiled from Pennsylvania policyholders to highlight companies that stand out for service, coverage options, and affordability.

Best for customer service in Pennsylvania: Erie

customer service in Pennsylvania

Compare Quotes

User Reviews	4.4 555 reviews
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.	8.4 /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.	$95/mo

Details

4.4

Best choice in PennsylvaniaBased on 555 verified driver reviews and ratings

	Erie Insurance's score	Industry average
Coverage options	4.2	3.2
Customer service	3.8	3.6
Discounts	3.7	2.9
Policy transparency	4.0	3.1
Value	3.7	2.9

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

Based on analysis of verified reviews collected by Insurify

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Best in Pennsylvania for

High customer satisfaction

Competitive rates

Optional coverages

Showing 16 reviews from Pennsylvania driversSee all 241 Erie Insurance reviews

Donald

Verified Review

No longer the cheapest

Reviewed in Pennsylvania on June 23, 2026

They used to be the low price leader, not so much anymore.

Devan

Verified Review

At best, it's okay.

Reviewed in Pennsylvania on June 9, 2026

They have a good reputation, but they make changes to your policy that you may not be aware of unless you pay attention.

Paul

Verified Review

Erie Insurance - Good coverage, very high cost!

Reviewed in Pennsylvania on April 29, 2026

Very expensive, shop around and you'll get a better price.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

713

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

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

Erie earns a top spot in the Mid-Atlantic region for customer satisfaction and claims satisfaction. It stands out for coverage options among Insurify customers, earning a 4 out of 5.

Pros

• 24 local agents available in Pennsylvania

• Erie Rate Lock can help keep premiums predictable

• Bundling discounts for multiple policy combinations

Cons

• Potentially frustrating mobile app connectivity issues

• Some customers report slow claim processing

• Reviewers give it just a 3.7 out of 5 for discount availability

Best for full coverage in Pennsylvania: NJM

full coverage in Pennsylvania

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User Reviews	4.3 156 reviews

Details

4.3

Best choice in PennsylvaniaBased on 156 verified driver reviews and ratings

	NJ Manufacturers's score	Industry average
Coverage options	4.2	3.2
Customer service	3.8	3.6
Discounts	3.5	2.9
Policy transparency	4.0	3.1
Value	3.4	2.9

How drivers feel about NJ Manufacturers

Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.

Based on analysis of verified reviews collected by Insurify

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Best in Pennsylvania for

New Jersey drivers

Good claims process

Robust discounts

Showing recent national reviews

Darlena

Verified Review

Great insurance, but too costly

Reviewed in Pennsylvania on August 5, 2026

Be prepared to pay, because NJM Insurance Co. is not cheap.

David

Verified Review

Boo NJM

Reviewed in New Jersey on October 22, 2025

I was a customer for 25 years until they raised my premium by over $300 a year.

John

Verified Review

Excellent

Reviewed in New Jersey on September 21, 2025

Okay, but I want a lower rate.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

711

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.19

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

More than one-third of Pennsylvania drivers need full coverage for a financed or leased vehicle, according to Insurify data. NJM offers Pennsylvania drivers competitive rates on customizable, full-coverage car insurance policies, including rideshare and gap coverage.

Pros

• Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

• Excellent Trustpilot rating

• Young driver training discount available 

Cons

• Accident forgiveness not available

• Reviewers give it just a 2.9 out of 5 for value for the money

• Limited customer support hours

Best for minimum coverage in Pennsylvania: State Farm

minimum coverage in Pennsylvania

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User Reviews	4.1 21,056 reviews
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.	$82/mo

Details

4.1

Best choice in PennsylvaniaBased on 21,056 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.4	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best in Pennsylvania for

Customer service

Competitive rates

Discounts for safe drivers

Showing 61 reviews from Pennsylvania driversSee all 8,103 State Farm reviews

Philomena

Verified Review

Looking Elsewhere Sooner Rather Than Later

Reviewed in Pennsylvania on September 14, 2026

They never reach out to make sure I’m in good hands, and my insurance never goes down even though I’m a good driver with no accidents. They don’t bother to call to see if everything is okay.

Cheryl

Verified Review

Try to Avoid Needing to Call the Office

Reviewed in Pennsylvania on August 25, 2026

Most people are pleasant and helpful. However, there’s sometimes an attitude problem, and they don’t seem to double-check available discounts that may apply.

Kevin

Verified Review

Discussing

Reviewed in Pennsylvania on August 13, 2026

Follow up on whatever you tell them. I had an accident involving a deer, and I spoke with a supervisor several times about it. She told me she was going to correct the policy to reflect that I would not be held at fault for the accident. Then, when I inquired about insurance elsewhere, I found out she wasn’t truthful and never corrected my file to reflect that it was not my fault.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

652

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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

State Farm is Pennsylvania’s largest auto insurer, accounting for 21% of policies by market share, according to the National Association of Insurance Commissioners. It also offers some of the cheapest car insurance in Pennsylvania for state-minimum coverage for most driver profiles.

Pros

• Above-average J.D. Power claims satisfaction rating

• Extremely competitive Pennsylvania rates

• High IQ Score

Cons

• Rideshare insurance rates can be expensive

• Doesn’t offer accident forgiveness

• Reviewers give a 4 out of 5 for policy transparency

How we chose the best companies

We evaluated insurers operating in Pennsylvania using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Pennsylvania drivers, including traffic and urban congestion, road accidents, and the availability of local agents throughout the state.

How much is car insurance in Pennsylvania?

The average cost of full-coverage car insurance in Pennsylvania is $1,935 per year, while liability-only coverage averages $1,078 per year. That’s lower than the national annual averages of $2,241 and $1,181, respectively.

The Keystone State has lower coverage requirements and saw fewer crashes, traffic injuries, and fatalities in 2025 than in 2024.^[2] The Pennsylvania Insurance Department (PID) also blocked excessive premium increases in 2025 to help keep car insurance affordable.

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Liability policies average $90/mo.

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Average car insurance quotes in Pennsylvania cities

Where you live can significantly affect the average price of Pennsylvania car insurance. Compare average liability-only and full-coverage rates across Pennsylvania cities to see how costs vary depending on local risk factors.

The below rates in Pennsylvania are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
State College	$67	$122
Hanover	$71	$127
Pottsville	$71	$151
Altoona	$76	$136
Lancaster	$77	$137
Bethlehem	$79	$146
Chambersburg	$80	$134
York	$81	$146
Phoenixville	$82	$166
Pittsburgh	$82	$152
Erie	$83	$149
Harrisburg	$84	$158
Scranton	$89	$165
Wilkes-Barre	$89	$141
Reading	$91	$167
Allentown	$103	$182
Bristol	$109	$176
Chester	$139	$228
Philadelphia	$152	$281

Disclaimer: Table data sourced from real-time Pennsylvania car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Pennsylvania may vary based on the policy buyer's unique driver profile.

Rates tend to be highest in Pennsylvania cities with heavier traffic, higher claim filings, and more expensive vehicle repairs and healthcare costs. The chart below shows the five most expensive cities in Pennsylvania for car insurance, based on Insurify data.

The below rates in Pennsylvania are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Reading	$91	$167
Allentown	$103	$182
Bristol	$109	$176
Chester	$139	$228
Philadelphia	$152	$281

On-the-spot guidance from licensed insurance experts

Austin MoyersLicensed P&C Insurance Agent and Sales Manager

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Qualifications:

• Licensed property and casualty insurance agent

• 13+ years of insurance experience

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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.

Austin Moyers' bio

Britney BalkLicensed P&C Agent and Customer Service Supervisor

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Qualifications:

• Licensed property and casualty insurance agent

• 14+ years insurance experience

---

Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.

Britney Balk's bio

Anuj DesaiLicensed Property & Casualty Insurance Agent

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Qualifications:

• Licensed property and casualty insurance agent

• 25+ years of insurance experience

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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.

Anuj Desai's bio

Why you should compare car insurance quotes in Pennsylvania

Shopping around for quotes is one of the easiest ways to find inexpensive car insurance in Pennsylvania. Every insurance company uses its own formula to calculate rates, so the same driver can receive very different quotes.

Your driving history, vehicle type, coverage choices and limits, deductibles, and ZIP code all affect what you pay. Comparing multiple insurers helps you find quality coverage at a low cost. Here’s how to get the most accurate quotes:

• Compare the same coverage limits and deductible with all companies.

• Include all household drivers and vehicles in the quote.

• Report your annual mileage, driving history, and VIN accurately.

• Ask about available car insurance discounts.

Pennsylvania car insurance requirements

Like almost every state, drivers in Pennsylvania are required to carry the state’s minimum liability coverage.^[3] 

Coverage Type	Minimum Requirement
Bodily injury liability	$15,000 per person/$30,000 per accident
Property damage liability	$5,000 per accident
Medical benefits	$5,000 per accident

Pennsylvania insurers must offer uninsured motorist coverage in equal amounts to liability insurance, but you can decline in writing.^[4] Personal injury protection (PIP) is not available in Pennsylvania. 

Under Pennsylvania law, car insurance policies default to full tort coverage, which means you can sue the at-fault driver for non-economic damages like pain and suffering. You can save around 40% by choosing limited tort, but then you can’t sue for non-economic damages.

Agent Tip: Does liability-only coverage offer enough protection?

“Pennsylvania’s minimum-required $5,000 for property damage won’t go very far if you total another driver’s car, so increasing your liability limits can help you avoid paying out of pocket.”

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Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services

Mallory Mooney's bio

How to find the cheapest Pennsylvania car insurance

The best way to find the cheapest car insurance in Pennsylvania is to shop around to compare quotes and coverage options. But you may be able to find other ways to lower your rates.

Here’s how to get affordable car insurance that’s low in price without sacrificing coverage:

• Keep a clean driving record. About 2.67% of Pennsylvania drivers have a speeding ticket, 4.49% have an at-fault accident, and 0.75% have a driving under the influence (DUI) conviction, according to Insurify data. These drivers pay higher rates than safe drivers.

• Compare full-coverage options. If you’re one of the 35% of Pennsylvania drivers who finance or lease their vehicles, most lenders require collision coverage and comprehensive coverage.

• Report your annual mileage accurately. Pennsylvania drivers average 8,992 miles per year, according to Insurify data, so driving less could qualify you for lower rates.

• Take a driving course. Drivers aged 55 or older can qualify for a car insurance discount of at least 5% on their premiums by completing a qualifying driver improvement course.^[5]

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Find quotes for your driver profile

Car insurance rates in Pennsylvania can vary based on factors like your driving history, age, credit, and coverage needs. Explore quotes and resources tailored to your specific situation to find the best policy at the lowest price.

How car insurance costs have changed in Pennsylvania

Like drivers across most of the U.S., Pennsylvania drivers have seen car insurance costs increase in recent years. This is largely due to inflation driving up the cost of vehicles, replacement parts, and repairs — and resulting increases in claim payouts.

The PID found that rates began stabilizing in 2025 after several years of increases. But Insurify’s American Driver report predicts a slight rate increase of around 0.4% by the end of 2026.

Pennsylvania car insurance FAQs