Cheapest Car Insurance in Pennsylvania

Westfield offers the cheapest car insurance for Pennsylvania drivers with an average monthly rate of $19 and an annual cost of $228. This rate is $230 less than the state's average, making it a budget-friendly choice. These rates are based on data from Quadrant Information Services, reflecting the most affordable options in Pennsylvania as of December 2024. Read our research methodology to learn about how we found the cheapest Pennsylvania car insurance.

The cheapest car insurance companies for most drivers in the Keystone State are Travelers and Auto-Owners. Both have an average cost of $44 per month across state minimum and full coverage. This is much lower than the state average of $75. Other affordable options include Nationwide, Erie and American National.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Westfield offers the cheapest car insurance for most drivers needing state minimum coverage, while Travelers offers the best rates for full coverage. However, your cheapest rate depends on personal factors. The table below shows affordable car insurance rates for different drivers in the Keystone State.

Read More: Cheapest Car Insurance

Westfield, Auto-Owners, Travelers and Chubb all provide cheap minimum liability coverage for Keystone State drivers. Westfield leads with an average monthly rate of $19. Use the table below to explore rates for these companies and see how they stack up against the $38 state average.

Travelers is the cheapest provider for full coverage auto insurance in Pennsylvania, with rates averaging $61 per month or $736 per year. This cost is $50 less than the state's average. Check the table below for more provider options.

In Pennsylvania, young adult drivers may find the best rates with Westfield. A minimum coverage policy with Westfield averages just $25 per month for 25-year-olds.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

Westfield and Travelers are among the cheapest auto insurance providers for young drivers in the Keystone State. Your premium might vary based on your driving record and other factors, but the rates and companies below are a good starting point to find affordable rates. Westfield offers state minimum coverage for $25 per month, while Travelers provides full coverage for $65 per month.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Pennsylvania can find affordable rates with Westfield. The average policy costs $19 per month for 65-year-olds seeking minimum coverage.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

Westfield and Travelers offer some of the most affordable rates for senior drivers in the Keystone State. However, your quote might differ. Use the rates in the table below to guide your car insurance shopping experience.

Read More: Cheapest Car Insurance for Seniors

Drivers in the Keystone State with a DUI, at-fault accident or speeding ticket are considered high-risk to insurers and typically pay more for car insurance than those with a clean record. For high-risk drivers, average premiums vary depending on the offense. Below are the best rates for drivers with these infractions.

Travelers offers the best rates for Pennsylvania drivers with DUIs, averaging $36 per month ($428 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Pennsylvania.

*We used a 40-year-old driver with good credit and a DWI on record to calculate these averages.

Westfield offers rates averaging $19 per month ($228 per year), making it the cheapest company for drivers after an at-fault accident. The table below lists other insurers with affordable coverage for accident-prone drivers. Rates apply to minimum coverage policies.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Westfield offers the cheapest insurance for drivers with a speeding ticket, with rates averaging $21 per month. Check the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Westfield has the cheapest car insurance for drivers with poor credit, offering rates of $21 monthly and $250 annually for minimum coverage. Check the table below for more options from other providers.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your location plays a big role in your car insurance rates. Even in the same state, rates can vary a lot between cities because of factors like how many people live there, the risk of floods and crime.

For example, Westfield's monthly rate for minimum coverage in Allentown is $25, while in Philadelphia it's $36. Look at the table below to see the most affordable car insurance in your city and the lowest average monthly price.

*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

State Farm offers the most affordable bundle of home and auto insurance for Pennsylvanians at $2,381. Check the table below for more cheap bundling options.

*Rates are for a 40 year old driver with good credit and no driving violations

In Pennsylvania, the monthly average cost for full coverage car insurance is $111, while minimum coverage averages at $38. By knowing the average cost of car insurance in Pennsylvania, you can better assess if your insurer's rate is fair.

In Pennsylvania, auto insurance rates vary by city. See this table for average minimum and full coverage costs in your area.

Car insurance in Pennsylvania ranks 27th among states, making it more affordable than in many other places. This affordability can be attributed to factors like lower population density, fewer natural disasters, and a reduced rate of vehicle thefts.

In Pennsylvania, all drivers must have car insurance policies that meet the state's minimum coverage limits. This includes a minimum of $15,000 for bodily injury liability per person, $30,000 per accident, and $5,000 for property damage liability, as well as $5,000 for medical payments coverage. These values ensure that in the event of an accident, some level of financial protection is in place.

If you finance or lease your car, you'll likely need to add comprehensive and collision insurance to your policy, beyond the Pennsylvania law mandated minimums. While a minimum liability auto insurance policy is more affordable, it also offers the least financial protection. For greater peace of mind, experts suggest opting for full coverage insurance with the highest deductible and liability limits that fit your budget.

Drivers with serious traffic violations, like speeding or drunk driving, may need to file for SR-22 insurance, which can increase your premium. Your insurance provider might submit the SR-22 form to the state, or you may have to do it yourself. It is typically valid from the date of your most recent offense.

Self-insurance is a popular alternative to traditional car insurance in Pennsylvania. It allows individuals to meet state minimum coverage requirements by proving they have the financial resources to cover potential accident costs.

For business owners, fleet insurance is a practical choice. It covers multiple vehicles under one policy, simplifying management and often reducing costs. This option helps businesses comply with state insurance laws while managing their vehicle assets efficiently.

MoneyGeek recommends that drivers get full coverage car insurance. This includes liability, collision, and comprehensive coverage. We suggest the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for off-road damage to your car from events like theft, vandalism, or weather. Collision coverage handles costs if your car is damaged in an on-road crash.

If your car is valuable, MoneyGeek suggests getting both comprehensive and collision insurance. You're not legally required to, but it's smart protection. Choose your deductible for these coverages based on what you can afford before insurance covers the rest.

Travelers has the cheapest full coverage insurance at $61, and Westfield wins for minimum coverage at just $19 a month. While saving money is great, remember the cheapest plan might not cover everything. Always try to get the most protection you can afford for safer journeys in the Keystone State.

MoneyGeek helps you find affordable car insurance in Pennsylvania by answering common questions. Discover the best options for your needs and ensure you have the right coverage. Understand your choices and make informed decisions with MoneyGeek's guidance.

MoneyGeek obtained auto insurance rates from the Pennsylvania Department of Insurance and Quadrant Information Services. We examined 49,001 auto insurance quotes from 13 providers across 62 ZIP codes to determine the most affordable car insurance companies in Pennsylvania.

Pennsylvania Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Pennsylvania:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Pennsylvania

We compared car insurance companies in Pennsylvania that offer both minimum and full coverage policies. The minimum coverage liability limits in Pennsylvania are:

• $15,000 for bodily injury liability per person.
• $30,000 for bodily injury liability per accident.
• $5,000 for property damage liability per accident.
• N/A uninsured motorist bodily injury per person
• N/A uninsured motorist bodily injury per accident
• N/A uninsured/Underinsured property damage coverage
• N/A personal injury protection (PIP) per person
• N/A personal injury protection (PIP) per accident
• $5,000 medical payments coverage
• N/A death liability per person
• N/A death liability per accident

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Pennsylvania

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible