- Average cost of car insurance in Pennsylvania
- Best car insurance companies in Pennsylvania
- Cheapest car insurance companies in Pennsylvania
- Pennsylvania car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Pennsylvania
- Cheapest car insurance cost in Pennsylvania by age
- Cheapest car insurance companies in Pennsylvania by driver profile
- Compare auto insurance rates by city in Pennsylvania
- Car insurance premium trends in Pennsylvania
- Methodology
- Compare Pennsylvania car insurance rates with other states
Average cost of car insurance in Pennsylvania
The average car insurance rate in Pennsylvania is $1,872 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Pennsylvania is $375.
Best car insurance companies in Pennsylvania
Travelers is the best car insurance company in Pennsylvania, based on an analysis by Insurance.com, with an overall rating of 3.43. Erie Insurance is the second-best auto insurance company in Pennsylvania with an overall rating of 3.41.
Below is a list of the top Pennsylvania insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Travelers | A++ | 822 | 0.49 | $952 | 3.43 |
| Erie Insurance | A+ | 863 | 0.61 | $1,550 | 3.41 |
| Nationwide | A+ | 820 | 0.64 | $1,196 | 2.99 |
| State Farm | A++ | 843 | 0.7 | $2,473 | 2.53 |
| Progressive | A+ | 814 | 0.65 | $2,193 | 2.44 |
| Geico | A++ | 818 | 0.91 | $2,308 | 2.42 |
| Westfield Insurance | A | 833 | 1.08 | $1,872 | 2.35 |
| Allstate | A+ | 825 | 0.65 | $2,503 | 2.28 |
Cheapest car insurance companies in Pennsylvania
Comparison shopping is the key to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Pennsylvania and compiled a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Travelers is the cheapest auto insurance company in Pennsylvania with average rates of $952 annually or $79 a month on average.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $243 | $340 | $952 |
| Nationwide | $350 | $404 | $1,196 |
| Erie Insurance | $263 | $354 | $1,550 |
| USAA | $305 | $415 | $1,806 |
| Westfield Insurance | $279 | $433 | $1,872 |
| Donegal | $252 | $346 | $1,913 |
| Progressive | $556 | $775 | $2,193 |
| Geico | $355 | $587 | $2,308 |
| State Farm | $447 | $578 | $2,473 |
| Allstate | $705 | $823 | $2,503 |
*USAA offers car insurance only to military members, veterans and their families.
The Pennsylvania Insurance Department says...
Motorists in Pennsylvania may not be surcharged or have their policy non-renewed if the claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing.(s) resulting from the accident(s) in the preceding three years do not add up to more than the current threshold amount after payment of any deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., or if the insurance company is reimbursed for at least 60 percent of the total amount of the paid claim.
- The Pennsylvania Insurance DepartmentPennsylvania car insurance requirements
Pennsylvania's minimum car insurance coverage limits are 15/30/5. Pennsylvania's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $374 annually or $31 monthly.
Minimum liability insurance requirements for Pennsylvania:
- Bodily injury liability (BI): $15,000 per person, $30,000 per accident
- Property damage liability (PD): $5000 per accident
- First-party benefits (FPB): $5000
Cheapest car insurance companies for minimum liability coverage in Pennsylvania
According to Insurance.com, Travelers provides the cheapest state minimum liability insurance, averaging $243 annually or $20 monthly.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Pennsylvania.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Travelers | $243 | $20 |
| Erie Insurance | $264 | $22 |
| Donegal | $266 | $22 |
| Westfield Insurance | $279 | $23 |
| USAA* | $305 | $25 |
| Nationwide | $350 | $29 |
| Geico | $359 | $30 |
| State Farm | $465 | $39 |
| Progressive | $572 | $48 |
| Allstate | $716 | $60 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Pennsylvania by age
In Pennsylvania, car insurance rates are higher for teenagers (16- to 19-year-olds) as they are more prone to accidents due to their lack of experience on the road.
Travelers offers the cheapest car insurance for teen drivers in Pennsylvania at $2,658 per year for full coverage policy.
In Pennsylvania, Travelers offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $954 per year and $902 per year, respectively.
Select your age group and age below to see the insurance company and its Compare car insurance rates by age
average annual and average monthly premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates.Travelers $3,469 $289 Nationwide $5,267 $439 Geico $5,977 $498 Progressive $8,724 $727 State Farm $9,254 $771 USAA $9,729 $811 Allstate $10,484 $874
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Pennsylvania by driver profile
Accidents and tickets can negatively affect car insurance rates. Drivers with accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a minor accident may see a smaller increase in their rates than those with multiple major accidents.
Below are average Pennsylvania rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $952 | $1,242 | $1,160 |
| Erie Insurance | $1,550 | $1,988 | $1,733 |
| USAA | $1,806 | $2,376 | $2,022 |
| Nationwide | $1,196 | $1,706 | $2,160 |
| Progressive | $2,193 | $2,984 | $2,193 |
| Allstate | $2,503 | $3,176 | $2,503 |
| State Farm | $2,473 | $2,792 | $2,646 |
| Geico | $2,308 | $3,708 | $3,541 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Pennsylvania
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Pennsylvania will impact what you pay. Below, we've gathered Pennsylvania car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Brookhaven | $2,238 |
Derry | $1,856 |
Philadelphia | $2,782 |
Pittsburgh | $1,933 |
Car insurance premium trends in Pennsylvania
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Pennsylvania to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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