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Shopping for Pennsylvania car insurance can be difficult if you don’t know where to start. With so many providers vying for your business, it can be hard to differentiate between different car insurance coverages and perks. To help you find great, affordable car insurance in Pennsylvania, we’ve researched the best auto insurance providers and compiled our research into this guide.

We’ll explain average Pennsylvania auto insurance costs in-depth, discuss the car insurance requirements for the state, and recommend our top choices for the Keystone State. Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates.

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What Is The Cheapest Car Insurance In Pennsylvania?

According to our rate estimates, Geico is the cheapest car insurance in Pennsylvania with average rates of $1,135 for annual full coverage. After that, Nationwide and Erie both tend to provide cheap car insurance in Pennsylvania.

Pennsylvania Car Insurance ProviderAverage Monthly Cost EstimateAverage Annual Cost Estimate
Geico$95$1,135
Nationwide$102$1,229
Erie Insurance$108$1,295
Penn National Insurance$111$1,337
USAA$124$1,492
State Farm$125$1,499

What Is The Average Cost Of Pennsylvania Car Insurance?

According to our rate estimates, Pennsylvania drivers pay an average of $121 per month or $1,441 per year for full coverage car insurance. This is about 17 percent below the national average of $1,732.

Several factors affect the cost of your car insurance policy, including:

  • Your age, gender, and marital status
  • Your driving history
  • Your zip code
  • Type of vehicle you want to insure
  • Annual amount of miles you drive

The best way to ensure that your car insurance costs stay low is by shopping around and comparing quotes from several providers.

Cheapest Pennsylvania Car Insurance: Young Drivers

Young drivers pay a hefty price for car insurance in Pennsylvania. On average, those below the age of 24 pay $2,310 per year for full coverage car insurance. Here are the cheapest providers for young drivers.

Pennsylvania Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Travelers$79$943
Erie Insurance$133$1,597
Geico$139$1,666
Nationwide$157$1,888
Penn National Insurance$165$1,982

Cheapest Pennsylvania Car Insurance: Speeding Tickets

Pennsylvania drivers with a recent speeding ticket on their record pay an average of $1,679 per year for full coverage car insurance. Here are the companies that offer the cheapest car insurance coverage after a speeding ticket.

Pennsylvania Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Travelers$78$932
Erie Insurance$117$1,400
Progressive$129$1,552
State Farm$137$1,640
USAA$139$1,667

Cheapest Pennsylvania Car Insurance: Recent Accidents

If you have a recent at-fault accident on your record, you can expect to pay a steep price for your auto insurance policy in Pennsylvania. Here are the cheapest providers that offer full coverage in the state.

Pennsylvania Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
Travelers$84$1,005
Erie Insurance$145$1,739
State Farm$148$1,780
Geico$172$2,067
Nationwide$176$2,115

Cheapest Pennsylvania Car Insurance: Bad Credit

Credit scores heavily impact your auto insurance quotes in Pennsylvania. Here are the cheapest providers that offer affordable auto rates for drivers with poor credit.

Pennsylvania Car Insurance CompanyMonthly Rate EstimateAnnual Rate Estimate
USAA$124$1,492
Nationwide$139$1,664
Travelers$175$2,102
Geico$182$2,188
Penn National Insurance$183$2,198

The 5 Best Pennsylvania Car Insurance Providers

You have options for affordable car insurance in Pennsylvania. We list our top five recommendations below. All of them performed well in our research of the best car insurance companies, in which we ranked providers on the following:

  • Financial strength
  • Availability
  • Customer service
  • Cost
  • Coverage
  • Technology

Overall, we think Erie Insurance is the best choice for Pennsylvania car insurance because of its reputation for quick claims and low average cost.

Best Pennsylvania Car InsuranceMotor1 RatingAverage Annual Cost
1. Erie Auto Insurance4.5$1,295
2. State Farm Car Insurance4.6$1,499
3. Geico Car Insurance4.6$1,135
4. Amica Mutual Insurance4N/A
5. Penn National Insurance4$1,337

*Not all providers were included in our rate estimates for each state. Also, you may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for car insurance in Pennsylvania.

#1 Erie Insurance

Our top recommendation for Pennsylvania car insurance is Erie Insurance. It provides a wide range of coverage options and low prices for Pennsylvania drivers. Most drivers in other states can’t receive coverage from Erie, but Pennsylvania residents lucked out.

Several customers rave about the support received. Here’s what a customer had to say.

“Erie has been my auto insurance provider for since I got my first car and has been my parents before me for 30+ years. We have had nothing but positive things to say about Erie and their customer service. … Erie has always taken care of everything for us and kept us well informed. They also have always had the best value for dollar/coverage around.”

-Christopher L. via BBB

Erie performed well in the J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM and the 2021 U.S. Auto Insurance StudySM in the Mid-Atlantic region. It also ranked third among mid-size insurers in the 2021 U.S. Insurance Shopping StudySM. Erie has an A+ Better Business Bureau (BBB) rating and an A+ from AM Best for financial strength.

Pennsylvania drivers can find several types of additional coverage options through Erie, including accident forgiveness, diminishing deductibles, rental car coverage, and more.

If you are shopping car insurance quotes, it makes sense to add Erie to the list of providers you check out.

Pros A+ rating from the BBB and A+ financial strength rating from AM Best High customer satisfaction Comprehensive coverage options Variety of auto insurance discounts
Cons Mixed customer service reviews during claims process

To learn more about the auto insurance provider, check out our review of Erie auto insurance.

#2 State Farm

State Farm is the largest and most popular car insurance company in the United States, and with good reason. The provider offers reasonable rates, a large assortment of rewards programs, a variety of coverage options, and good customer service.

Being a good insurance provider starts with having a strong financial backing, which makes it easy to cover claims. State Farm received the highest financial strength rating possible from AM Best: an A++.

The provider offers a vast array of coverage options ranging from standard coverage to antique and sports car coverage. Its rental and travel coverage is particularly noteworthy. Not only will State Farm reimburse you for the cost of a rental car if your car is undrivable for 24 hours or more, but the company will also pay for the cost of lodging, meals, and transportation if you are stranded at least 50 miles from home.

Other notable programs include the Steer Clear program, which provides discounts to drivers under 25 who complete a State Farm driving course and have not had any accidents in the past three years.

It also has a rewards program specifically for teen drivers as well as a student discount, which makes it a great choice for both new and young drivers. In fact, we rated State Farm the best insurance company for students and one of the top three best providers for teens.

Pros Largest auto insurer in the country Many discounts for teens and students Positive customer reviews Easy online quotes process Superior financial strength rating
Cons Reported errors with autopay Not taking new customers in Massachusetts or Rhode Island Higher rates than some competitors

To learn more about the car insurance provider, check out our review of State Farm car insurance.

#3 Geico

With its low average prices and great reputation, Geico is another good choice for Pennsylvanians. We awarded Geico 4.6 out of 5.0 stars and ranked it as one of the best choices for students and military personnel.

Financially, Geico is a strong company. It has an A++ financial strength rating from AM Best and wrote over $37 billion in premiums in 2021. Clearly, Geico has the financial wherewithal to fulfill claims.

Geico is very tech-centric, making it quick and easy to get a quote, purchase a policy, or file a claim online. This, coupled with the availability of local Geico agents, is likely one of the main reasons for its high customer satisfaction. In fact, according to a 2017 study by Alan Newman Research, 97 percent of Geico customers reported they were satisfied with their service.

While Geico already offers some of the lowest average rates for Pennsylvania drivers, the company also provides a number of discounts to its customers. Seniors, federal employees, students, military members, and more can save on a Geico policy. Drivers can also take advantage of multi-vehicle and multi-policy discounts.

Geico’s great customer service, good coverage, reasonable rates, and numerous discounts make it a winner in our book.

Pros Superior financial strength rating and A+ rating from the BBB Many choices for coverage High level of customer satisfaction
Cons Average quotes experience

To learn more about the car insurance provider, check out our review of Geico auto insurance.

#4 Amica Mutual

Amica Mutual is another highly rated insurance provider for Pennsylvania drivers. In our nationwide review of the best insurance providers, we gave Amica a 4.0-star rating.

The company received an A+ financial strength rating from AM Best, indicating Amica Mutual’s superior ability to pay out customer claims. According to the company’s chairman, the insurer’s premiums totaled $2.4 billion in 2019. While this is definitely a smaller figure than Geico’s or State Farm’s annual premiums, it’s still respectable among small insurance companies.

Amica offers an upgrade plan with its six standard coverage options called Platinum Choice Auto®. It includes:

  • Prestige Rental Coverage: Covers payment for whatever rental car is most similar to your own, regardless of the model
  • Identity Fraud Monitoring: Monitors your credit files and personal information to guard against identity fraud
  • Full Glass Coverage: No deductible for any needed glass repairs as well as a lifetime guarantee on any glasswork
  • Accident Forgiveness: Reduces your deductible or lowers your premium cost after your first accident based on an Amica Good Driving rewards program

However, Amica Mutual may not be the best option for new, teen, or high-risk Pennsylvania drivers based on customer reports.

Pros A+ rating from the BBB Superior financial strength rating from AM Best Great customer service reviews Reliable app for account management 24/7 quotes with real representatives Affordable rates
Cons Does not cover many young or high-risk drivers No rideshare coverage

To learn more about the car insurance provider, check out our review of Amica Mutual insurance.

#5 Penn National Insurance

Headquartered in Harrisburg, Pennsylvania, Penn National is a local insurance company for Pennsylvania drivers. The company sells policies to six states through independent agents, and it’s known for its helpful customer service representatives and low number of customer complaints.

AM Best gave Penn National an A- financial strength rating, which is considered “Excellent.” Penn National also holds an A+ rating from the BBB for its ability to effectively handle customer needs, complaints, and queries.

We like Penn National for its reputation among customers. Smaller insurance companies tend to have a better customer service track record, and that rings true in Penn National’s case. According to the National Association of Insurance Commissioners (NAIC), the company receives far fewer annual customer complaints than average.

The insurer is also known for its affordability. While it’s not as cheap as some competitors on average, it offers affordable rates for drivers in Pennsylvania, especially good drivers.

Pros A+ rating from the BBB and A- financial strength rating from AM Best Low number of complaints Various discounts available App to access and manage account
Cons Must purchase through independent agents

To learn more about the car insurance provider, check out our review of Penn National Insurance.

Enter your zip code in the tool below to collect and compare car insurance quotes from providers available in Pennsylvania:

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Pennsylvania Car Insurance Law

Car insurance requirements are set at the state level, which means that each state gets to decide for itself what’s required. To understand what’s required for Pennsylvania car insurance, we’ll first need to clarify what the different types of car insurance are:

  • Liability coverage: Coverage for any injuries and damages you cause to other drivers and vehicles, as well as the fees for your legal defense
  • Comprehensive coverage: Coverage for non-collision damages such as theft, vandalism, storms, etc.
  • Collision coverage: Coverage for collision-related damages to your vehicle, regardless of who is at fault
  • Personal injury protection: Coverage for medical payments and occasionally lost wages because of an automobile accident
  • Uninsured/underinsured motorist coverage: Coverage for accidents with an uninsured or underinsured driver
  • Medical payments coverage: Coverage for the medical expenses of everyone that was injured in your vehicle

What Are The Requirements For Pennsylvania Car Insurance?

Pennsylvania requires all motorists to take out three types of insurance. These requirements are referred to as financial responsibility laws. The minimum requirements are:

  • Bodily injury liability insurance: $15,000 per person and $30,000 per accident
  • Property damage liability insurance: $5,000 per accident
  • Medical benefits insurance: $5,000 per accident

Pennsylvania is a no-fault state, which means that no matter who caused an accident, the insurance will cover the driver’s medical bills. Motorists in Pennsylvania can also purchase full tort insurance, which allows them to sue the at-fault driver if an accident occurs.

However, while these are the minimum requirements, it’s generally recommended that you take out more comprehensive coverage. Serious accidents can easily surpass these minimum coverage amounts and leave you in serious trouble if you can’t afford the excess that your insurance company won’t cover. For example, if you stuck with the minimum coverage and caused $30,000 of bodily injury to someone, you’d still be on the hook for $15,000.

Motorists who drive without minimum insurance may be subject to:

  • A minimum $300 fine
  • Impoundment of your car
  • A three-month license suspension

How Does Pennsylvania Car Insurance Compare To Other States?

Pennsylvania is fairly middle-of-the-road when it comes to car insurance requirements – some states, like New Jersey, have significantly more minimum coverage requirements, while others, like New Hampshire, have far fewer.

What Is It Like Driving In Pennsylvania?

The minimum coverage requirements aren’t the only thing that affects the average car insurance premiums. Statistics like the average number of miles driven and the frequency of accidents also affect your premium. It makes sense – a high accident rate coupled with a longer average daily driving distance significantly increases the risk of insurance companies having to handle a claim.

Pennsylvanians drive less than the average American. While the average American puts about 13,500 miles on their car each year, according to the U.S. Department of Transportation Federal Highway Administration, Pennsylvanians drive about 12,500 miles per year. Even though this isn’t a particularly big difference, it can add up over the lifetime of a vehicle. Some experts estimate that repairs and maintenance cost about $0.26 per mile, so over 10 years, the average American will spend $35,100 on maintenance, but the average Pennsylvanian will spend only $32,500.

Pennsylvania is a largely rural state, and rural areas tend to have more serious accidents due to the higher speeds and greater distance from medical facilities, according to the Insurance Institute for Highway Safety. Although only 36 percent of miles traveled in Pennsylvania in 2015 were in rural areas, accidents in those same areas accounted for over 50 percent of all crashes.

All these risks in Pennsylvania raise the average premium in the state.

Final Thoughts

To recap, we recommend Erie Insurance as the best car insurance in Pennsylvania, followed by State Farm and Geico. What you pay for insurance depends on many factors. Compare as many companies as you can to find the best option.

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FAQ: Pennsylvania Car Insurance

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.