Updated: November 14, 2024
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Westfield is the cheapest car insurance company in Pennsylvania for minimum coverage. MoneyGeek also found that Nationwide and Travelers have the most affordable rates in Pennsylvania for certain types of drivers.
If you want a balance of cost and quality service, you can explore the best car insurance companies in Pennsylvania.
CheapestCar InsurancePennsylvaniaTable of Contents
Why Trust MoneyGeek? We collected Pennsylvania car insurance rates from the Pennsylvania Insurance Department and Quadrant Information Services. We analyzed quotes to identify the cheapest car insurance providers.
These rates reflect the cheapest car insurance quotes in Pennsylvania as of October 2024.
On average, the cheapest auto insurance companies for minimum coverage in Pennsylvania are:
Dairyland is the most expensive provider if you need a minimum coverage policy in Pennsylvania, at an average of $944 per year.
A minimum coverage policy in Pennsylvania only covers bodily injury liability, property damage liability and medical benefits.
| Westfield | $228 | $19 |
| Auto-Owners Insurance Co | $305 | $25 |
| Travelers | $315 | $26 |
| Chubb | $356 | $30 |
| Erie | $376 | $31 |
| American National P&C | $398 | $33 |
| State Farm | $433 | $36 |
| GEICO | $436 | $36 |
| Nationwide | $478 | $40 |
| Progressive | $563 | $47 |
| Allstate | $666 | $56 |
| Dairyland | $944 | $79 |
Minimum coverage car insurance only covers damage or injuries that you cause others or their property. This means that damage to your car will not be covered. To cover the cost of damages to your car, you need comprehensive and collision insurance, also known as a full coverage policy.
Find the Best Car Insurance in Pennsylvania for You
Your car insurance premiums will vary depending on your preferences and coverage requirements. The table above indicates the cheapest rates for minimum coverage car insurance in Pennsylvania.
Learn more about how much car insurance you need.
MoneyGeek also analyzed the best auto insurance companies in Pennsylvania to identify providers with the best balance of cost and service quality.
MoneyGeek compared average car insurance costs in Pennsylvania for different backgrounds to determine average rates for different driver profiles.
These companies offer the cheapest full coverage car insurance in Pennsylvania:
Dairyland has the most expensive full coverage policy in Pennsylvania at an average of $3,016 per year.
Adding comprehensive and collision insurance to your policy will increase your premiums, but it will protect you during on- and off-road incidents. Travelers' full coverage policy costs $421 more than its minimum coverage policy.
| Travelers | $736 | $61 |
| Auto-Owners Insurance Co | $748 | $62 |
| Nationwide | $896 | $75 |
| Erie | $987 | $82 |
| American National P&C | $1,032 | $86 |
| Allstate | $1,216 | $101 |
| Westfield | $1,235 | $103 |
| State Farm | $1,241 | $103 |
| Chubb | $1,354 | $113 |
| GEICO | $1,449 | $121 |
| Progressive | $2,121 | $177 |
| Dairyland | $3,016 | $251 |
The premium you pay for your policy will largely depend on how much car insurance you need. For this analysis, MoneyGeek used a full coverage policy with the following limits:
You can save on costs by opting for lower liability limits, dropping comprehensive and collision insurance or raising your deductible. However, this may leave you with insufficient coverage during an at-fault accident.
Most insurers offer car insurance quotes online, but the process can take up to 15 minutes and requires you to submit personal information. You also have to compare quotes across different websites if you are looking to find the cheapest rates, which takes even longer.
MoneyGeek’s car insurance calculator allows you to get a quick car insurance estimate without requiring specific personal information.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 20, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Age is one of the most significant factors affecting car insurance rates in Pennsylvania. Nationwide and Travelers offer the cheapest options on average, depending on what age group you and your family belong to.
Cheapest for teens: Nationwide
Cheapest for young adults: Travelers
Cheapest for young adults: Travelers
The cheapest car insurance companies in Pennsylvania for teens on their parent’s policy are, on average:
Progressive is the most expensive car insurance provider for teens in Pennsylvania, with an average annual cost of $4,040 for both male and female teens.
Car insurance rates become cheaper as teens grow older, making premiums for 19-year-olds the most affordable. Nationwide provides Pennsylvania's most affordable car insurance rate for 19-year-old male drivers ($978 per year).
These rates are for teens on their parent’s policy. Teens pay more if they get their own individual policy, and they cannot legally purchase a policy if they are under 18 without a parent or guardian as a co-signer. The average annual cost of car insurance for a male teen purchasing an individual policy in Pennsylvania is $4,415 vs. $2,393 if they are added to a parent’s policy. This means being included in a parent’s policy is cheaper by up to $2,022 yearly.
| Nationwide | $1,183 | $2,989 |
| Travelers | $1,632 | $2,989 |
| Auto-Owners Insurance Co | $1,749 | $3,997 |
| Allstate | $2,110 | $6,020 |
| State Farm | $2,364 | $3,070 |
| GEICO | $3,670 | $4,402 |
| Progressive | $4,040 | $7,442 |
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens because of their higher accident frequency. This rate difference is not as notable when drivers reach their 20s and beyond.
Families with teen drivers could be eligible for certain student discounts. Allstate, Auto-Owners, Progressive, State Farm and Travelers offer good student and distant student discounts. GEICO and Nationwide only offer good student discounts.
the most affordable car insurance companies for young adults in Pennsylvania are:
Dairyland has the most expensive full coverage for young adults, at around $3,747 annually.
As they are considered higher risk, car insurance costs for drivers in their 20s are typically higher than rates for middle-aged drivers. On average, a full coverage policy for drivers in their 20s costs up to $307 more than for middle-aged drivers.
| Travelers | $786 | $65 |
| Auto-Owners Insurance Co | $877 | $73 |
| Nationwide | $1,099 | $92 |
| American National P&C | $1,224 | $102 |
| Erie | $1,234 | $103 |
| State Farm | $1,457 | $121 |
| Allstate | $1,477 | $123 |
| Westfield | $1,630 | $136 |
| GEICO | $1,737 | $145 |
| Chubb | $1,804 | $150 |
| Progressive | $2,705 | $225 |
| Dairyland | $3,747 | $312 |
On average, the cheapest car insurance companies in Pennsylvania for senior drivers are:
Dairyland is the most expensive company for seniors, costing an average of $2,646 per year.
Seniors pay $127 less per year for full coverage car insurance compared with the rates paid by middle-aged drivers. However, car insurance costs tend to increase once drivers reach their 70s and 80s as their risk factors for accidents rise.
| Travelers | $668 | $56 |
| Auto-Owners Insurance Co | $711 | $59 |
| Nationwide | $787 | $66 |
| American National P&C | $977 | $81 |
| Erie | $1,008 | $84 |
| Allstate | $1,034 | $86 |
| Chubb | $1,087 | $91 |
| Westfield | $1,114 | $93 |
| State Farm | $1,132 | $94 |
| GEICO | $1,335 | $111 |
| Progressive | $2,004 | $167 |
| Dairyland | $2,646 | $221 |
Seniors can save on their car insurance premiums by taking advantage of seniors’ discounts that are available with some insurers. Allstate and GEICO offer senior driver discounts to help older drivers reduce their premiums.
Auto-Owners offers the cheapest auto insurance for drivers with a ticket and poor credit. Travelers is the most affordable provider for those with an at-fault accident, a DUI record and a sports car.
Cheapest after a ticket: Auto-Owners Insurance Co ($787 per year)
Cheapest after an accident: Travelers ($946 per year)
Cheapest after a DUI: Travelers ($1,027 per year)
Cheapest for poor credit: Auto-Owners Insurance Co ($1,172 per year)
Cheapest for sports cars: Travelers ($648 per year)
If you have a speeding ticket in Pennsylvania, the cheapest companies for car insurance are:
Dairyland has the most expensive rate for drivers with tickets, at approximately $3,788 per year.
On average, Pennsylvania drivers with tickets pay up to $291 more for car insurance than those with a clean record.
| Auto-Owners Insurance Co | $787 | $66 |
| Travelers | $880 | $73 |
| Erie | $1,118 | $93 |
| Allstate | $1,178 | $98 |
| Nationwide | $1,329 | $111 |
| Westfield | $1,351 | $113 |
| State Farm | $1,401 | $117 |
| American National P&C | $1,424 | $119 |
| GEICO | $2,011 | $168 |
| Progressive | $2,108 | $176 |
| Chubb | $2,152 | $179 |
| Dairyland | $3,788 | $316 |
The cheapest car insurance companies after an at-fault accident are:
Dairyland has the most expensive car insurance rate after an at-fault accident, at roughly $4,148 per year.
On average, car insurance rates in Pennsylvania increase by up to $551 per year after an at-fault accident.
| Travelers | $946 | $79 |
| Auto-Owners Insurance Co | $1,084 | $90 |
| Westfield | $1,235 | $103 |
| Erie | $1,398 | $117 |
| American National P&C | $1,424 | $119 |
| State Farm | $1,519 | $127 |
| Nationwide | $1,525 | $127 |
| Allstate | $1,579 | $132 |
| Chubb | $2,152 | $179 |
| GEICO | $2,324 | $194 |
| Progressive | $3,305 | $275 |
| Dairyland | $4,148 | $346 |
On average, the most affordable auto insurance companies for drivers with a DUI in Pennsylvania are:
Westfield is the most expensive option for car insurance after a DUI, at approximately $4,492 per year.
Drivers with a DUI in Pennsylvania pay an average of $910 more per year for car insurance than those with a clean record.
| Travelers | $1,027 | $86 |
| Allstate | $1,178 | $98 |
| State Farm | $1,401 | $117 |
| American National P&C | $1,597 | $133 |
| Erie | $1,680 | $140 |
| Auto-Owners Insurance Co | $1,946 | $162 |
| Nationwide | $2,291 | $191 |
| GEICO | $2,456 | $205 |
| Progressive | $2,560 | $213 |
| Dairyland | $3,071 | $256 |
| Chubb | $3,256 | $271 |
| Westfield | $4,492 | $374 |
The cheapest companies for drivers with poor credit (below 580) in Pennsylvania are:
Dairyland is the most expensive option for drivers with poor credit at approximately $3,970 per year.
On average, Pennsylvania drivers with poor credit pay up to $949 more per year for car insurance than those with good credit (a credit score above 750).
| Auto-Owners Insurance Co | $1,172 | $98 |
| Nationwide | $1,217 | $101 |
| American National P&C | $1,642 | $137 |
| Travelers | $1,890 | $157 |
| Allstate | $2,008 | $167 |
| Chubb | $2,152 | $179 |
| Westfield | $2,225 | $185 |
| Erie | $2,255 | $188 |
| GEICO | $2,472 | $206 |
| State Farm | $2,823 | $235 |
| Progressive | $3,594 | $300 |
| Dairyland | $3,970 | $331 |
A poor credit score raises car insurance rates because drivers with poor credit are more likely to file claims. Although using credit history to determine insurance pricing isn't legal in all states, it is in Pennsylvania.
Improving your credit score over time will help you get better rates. In the meantime, comparing quotes and taking advantage of common discounts can help you save.
The cheapest car insurance companies in Pennsylvania for drivers with a sports car are:
Dairyland is the most expensive insurer if you have a sports car, with an average cost of $3,044 per year.
On average, it costs up to $242 more to insure a sports car in Pennsylvania. This is because sports cars tend to have higher replacement and repair costs, which increases the insurer's risk.
| Travelers | $648 | $54 |
| Auto-Owners Insurance Co | $815 | $68 |
| Nationwide | $1,066 | $89 |
| Allstate | $1,198 | $100 |
| GEICO | $1,300 | $108 |
| State Farm | $1,559 | $130 |
| Chubb | $1,634 | $136 |
| Progressive | $2,938 | $245 |
| Dairyland | $3,044 | $254 |
MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model. Sports, electric and luxury cars are generally more expensive to insure; otherwise, the model may not be a significant factor. However, this may not be true for all states.
Travelers is the cheapest auto insurance company in Pennsylvania for active-duty military members or veterans, with an average annual cost of $736.
USAA is also a solid option for military members. It costs an average of $1,004 per year and tailors its coverage to suit the military. It is available in all states.
Annual premium: $736
Travelers does not offer a military discount, but it is still the cheapest option in Pennsylvania.
The cost of car insurance can vary widely depending on where you live in Pennsylvania. Insurance companies consider it risky to insure and charge higher rates those who live in areas with high incidents of theft, vandalism or accidents.
In Pittsburgh, Travelers offers the cheapest full coverage car insurance rates at an average of $758 per year. Travelers is also the most affordable option in Philadelphia. However, rates are significantly higher at an average of $1,481 per year since insurers consider the area a much higher risk.
You can check the table below to compare car insurance rates by city.
| Allentown | Auto-Owners Insurance Co | $797 |
| Philadelphia | Travelers | $1,481 |
| Pittsburgh | Travelers | $758 |
Most states require drivers to carry bodily injury liability and property damage liability. In Pennsylvania, you are also required to carry medical benefits coverage, which is not required in most states.
In Pennsylvania, drivers are only required to have minimum liability insurance with bodily injury liability, property damage liability and medical benefits coverage. A state minimum policy is cheaper but might not offer sufficient coverage.
MoneyGeek recommends getting additional liability coverage to protect yourself against high out-of-pocket costs in case of an accident.
Bodily Injury Liability
Pennsylvania law requires drivers to carry a minimum coverage of $15,000 bodily injury liability per person and $30,000 per accident. This coverage will pay for the cost of any injuries caused to others in an accident where you are found to be at fault. However, you’ll pay for any expenses beyond these limits.
Property Damage Liability
Drivers in Pennsylvania need to carry a minimum of $5,000 in property damage liability per accident. This coverage pays for the cost of the damages to a third party’s property in an accident where you are found to be at fault. If the property damage expenses exceed this limit, you must pay them out of pocket.
Medical Benefits
In Pennsylvania, the law requires drivers to have $5,000 in medical benefits coverage. This coverage pays for medical expenses like hospital visits, surgeries and any other medical expenses that you incur after an accident.
MoneyGeek recommends getting $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident. This will pay for damages to others or their property if you cause an accident.
If you are financing your car purchase or leasing your vehicle, you might be required to purchase comprehensive and collision insurance. This coverage will protect you against damage to your car resulting from both off-road incidents and on-road accidents.
If you have a high-value car, MoneyGeek recommends buying comprehensive and collision coverage, even if it is not required.
In Pennsylvania, drivers can choose to self-insure as an alternative to traditional car insurance. If you go this route, you will be required to file a proposal of self-insurance for approval, which should include an application form for self-insurance and a master self-insurance and security agreement.
When you submit a proposal to self-insure, you will be required to provide financial statements like a balance sheet and income statement as proof of your financial status. A minimum security will be required starting from $50,000 for one vehicle and $10,000 for each additional vehicle.
Security can be provided in the form of escrow deposits, U.S. currency, treasury bills, bonds or any other security approved by the Pennsylvania Department of Transportation.
Drivers who don’t own a car can opt for non-owner car insurance.
When looking for car insurance, you might have questions about costs and quality. MoneyGeek answered some of the most common questions.
Westfield offers the cheapest car insurance in Pennsylvania for a minimum coverage policy. However, your most affordable option might vary depending on your profile.
The average cost of car insurance in Pennsylvania for a full coverage policy is $1,324 per year.
If cost is your most significant consideration, you should buy the cheapest car insurance available. The most affordable car insurance in Pennsylvania is a minimum coverage policy from Westfield.
If you are looking for the best balance of quality service and cost, Auto-Owners also offers the best car insurance in Pennsylvania.
In Pennsylvania, having UM/UIM is not a requirement. However, auto insurers must offer it to all policyholders, with the option to decline the coverage. UM/UIM provides coverage if someone without insurance hits you or their insurance coverage is not enough to pay your medical and car repair bills. It also pays if you’re in a hit-and-run accident. According to the Insurance Information Institute, the UM rate in Pennsylvania is 6%, making this coverage worth considering.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
