How to Compare Car Insurance Quotes 2024
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Cheapest Car Insurance in Pennsylvania (2024)

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Content was accurate at the time of publication.

If you’re a driver living in Pennsylvania, Erie has the cheapest rate for full-coverage car insurance, with an average annual rate of $1,161 a year. The Hartford is next, with an affordable average rate of $1,212.

Comparing auto insurance quotes from several different companies increases your chances of finding the policy you need and want at the cheapest rate.

Find the Cheapest Car Insurance Quotes in Your Area

Drivers in Pennsylvania looking for full-coverage auto insurance get the cheapest coverage from Erie. It charges the state’s drivers an average rate of $1,161 a year.

Cheapest companies for full-coverage car insurance

CompanyAverage annual rate
Erie$1,161
The Hartford$1,212
State Farm$1,405
Nationwide$1,922
Allstate$2,372
Geico$2,563
Progressive$2,571
USAA*$1,684

Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record. *USAA is only available to military members and their families.

While full-coverage car insurance costs more than a liability-only policy, it can be worth the investment. Full-coverage car insurance combines liability, collision and comprehensive coverages. Collision coverage takes care of your damages after an accident. Comprehensive coverage handles damages to your car from non-collision sources, like a tree branch or ice. Comprehensive also covers theft or vandalism.

Pennsylvania law doesn’t require full-coverage car insurance. If you lease or finance your vehicle, though, you’ll probably need to have it.

Pennsylvania drivers who want liability-only car insurance get the lowest rate with Erie, which charges an average of $338 a year. State Farm has the next-cheapest rate for most drivers at $407 a year.

While USAA has a cheaper average rate than State Farm, USAA limits its insurance coverage to currently serving and retired military personnel, as well as their families.

Cheapest companies for liability car insurance

CompanyAverage annual rate
Erie$338
State Farm$407
The Hartford$453
Nationwide$580
Progressive$773
Geico$812
Allstate$1,060
USAA*$404

Rates are for liability-only car insurance for a 30-year-old male with a clean driving record. *USAA is only available to military members and their families.

Liability-only car insurance, also known as “standard car insurance,” covers injuries and property damage you cause to others in an accident.

Pennsylvania teens looking for liability-only car insurance get the most affordable rate with Erie, at an average of $838 a year. The Hartford is the next-cheapest option at $1,035 a year.

Cheapest liability car insurance companies for young drivers

CompanyAverage annual rate
Erie$838
The Hartford$1,035
State Farm$1,223
Geico$1,455
Nationwide$1,675
Progressive$1,909
Allstate$2,516
USAA*$718

Rates are for liability-only car insurance for an 18-year-old male with a clean driving record. *USAA is only available to military members and their families.

Teens pay the most for car insurance of all age groups. Auto insurers consider teen drivers high risk due to their lack of experience behind the wheel, and raise their rates to offset the chance of paying out on a claim.

A good way to lower the rates of a teen driver in your house is to add them to your car insurance policy. This will raise your rates, but it should still be cheaper than if you each had separate policies.

For drivers in Pennsylvania with a ticket on their record, Erie has the most affordable rate for car insurance at $1,303 a year. The Hartford has the second-lowest average rate of $1,464 a year.

Cheapest car insurance companies after a ticket

CompanyAverage annual rate
Erie$1,303
The Hartford$1,464
State Farm$1,499
Nationwide$2,339
Allstate$2,372
Progressive$2,571
Geico$3,961
USAA*$1,884

Rates are for full-coverage car insurance for a 30-year-old male with one speeding ticket. *USAA is only available to military members and their families.

A speeding ticket stays on your driving record for three to five years. During that time, you’ll probably see higher car insurance rates. Compare car insurance quotes from a number of companies to get your best rate in this and other situations.

If you’re looking for car insurance with an accident on your insurance record, Erie has the cheapest rate with an average of $1,303. The Hartford is next, with an average rate of $1,405 after an accident.

Cheapest car insurance companies after an accident

CompanyAverage annual rate
Erie$1,303
State Farm$1,405
The Hartford$1,638
Allstate$2,372
Progressive$2,571
Nationwide$3,287
Geico$4,690
USAA*$2,343

Rates are for full-coverage car insurance for a 30-year-old male with one accident. *USAA is only available to military members and their families.

Pennsylvania drivers with a DUI find the cheapest average rate for full-coverage car insurance from The Hartford, at $1,737 a year. Erie has the next-lowest rate at $1,911.

Cheapest car insurance companies after a DUI

CompanyAverage annual rate
The Hartford$1,737
Erie$1,911
Nationwide$2,339
Allstate$2,372
Progressive$3,107
State Farm$3,331
Geico$4,411
USAA*$2,259

Rates are for full-coverage car insurance for a 30-year-old male with one DUI. *USAA is only available to military members and their families.

Auto insurance companies see drivers with DUIs as being high-risk. If you have a DUI on your record, expect to see your premium go up a lot. You may also have to deal with policy cancellation or refusal of coverage.

If you’re looking for cheap car insurance with a poor credit score, Nationwide has the lowest rates for Pennsylvania drivers. It charges an average rate of $2,641 a year to drivers with bad credit. Erie is the second-cheapest at $2,712 a year.

Cheapest car insurance companies for drivers with poor credit

CompanyAverage annual rate
Nationwide$2,641
Erie$2,712
The Hartford$3,326
Allstate$3,960
Progressive$4,368
Geico$4,462
State Farm$5,991
USAA$1,684

Rates are for full-coverage car insurance for a 30-year-old male with poor credit. *USAA is only available to military members and their families.

Some car insurance companies see a connection between your credit status and the chances of filing a claim. This is controversial, and some states have banned or limited the practice of credit-based insurance scoring.

Of the 25 most populated cities in Pennsylvania, State College residents pay the lowest average rate for car insurance, $1,492 a year. Philadelphia residents pay the state’s highest rate of $3,332 a year.

Car insurance rates by city in Pennsylvania

CityAnnual
Allentown$1,965
Altoona$1,800
Bethel Park$1,739
Bethlehem$1,810
Chambersburg$1,595
Easton$1,814
Erie$1,844
Harrisburg$1,681
Hazleton$1,901
Lancaster$1,698
Lebanon$1,591
Monroeville$1,914
New Castle$1,771
Norristown$2,125
Philadelphia$3,332
Pittsburgh$1,900
Plum$1,867
Pottstown$1,960
Pottsville$1,708
Reading$1,889
Scranton$1,873
State College$1,492
Wilkes-Barre$1,932
Williamsport$1,678
York$1,654

Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.

The average cost of full-coverage car insurance in Pennsylvania is $1,861 a year. This is 6% lower than the national average rate of $1,976 for a full-coverage policy.

The average annual rate for liability-only coverage in Pennsylvania is $603, which is 22% lower than the national average of $773.

What you pay for car insurance is based on many factors, including:

  • ZIP code
  • Make and model of your car
  • Your insurance history
  • Policy coverage limits
  • Your deductible
  • Discounts provided

Pennsylvania is a “no-fault state” for car insurance. This means that if you’re in an accident, you file a claim with your own insurance company for resulting injuries, regardless of who is at fault. Pennsylvania insurers require policyholders to include personal injury protection (PIP) as part of their car insurance. PIP covers expenses due to an accident, including rehabilitation costs and lost wages.

Pennsylvania offers drivers the choice between two car insurance policy types, “full tort” and “limited tort.” A full-tort policy gives you the right to sue in court if you’re injured in an accident. Limited tort takes away the right to sue for pain and suffering after an accident and also limits your ability to sue for damages. Limited-tort policies tend to be cheaper than full tort.

Minimum coverage for car insurance in Pennsylvania

Pennsylvania’s required liability coverage limits are:

  • $15,000 bodily injury coverage per person
  • $30,000 bodily injury coverage per accident
  • $5,000 property damage coverage

Methodology

Unless stated otherwise, we looked at thousands of car insurance quotes in Pennsylvania for a 30-year-old man with good credit and no tickets, accidents or convictions for driving under the influence, using a 2015 Honda Civic EX.

The following coverage limits were used:

  • Bodily injury liability: 50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive $500 deductible