Travelers leads Pennsylvania's auto insurance market with monthly rates of $30 for minimum coverage and $70 for full coverage. Drivers save $35 monthly, or 41%, compared to state averages. Get quotes from Erie, Nationwide, Westfield and Donegal too.
Cheapest Car Insurance in Pennsylvania
Updated: October 12, 2025
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Key Takeaways
The cheapest car insurance companies in Pennsylvania for most drivers are Westfield, Travelers, Erie Insurance and Nationwide, offering average savings of up to 41% depending on your driver profile.
Young drivers (16-25) save most with Travelers at $64 monthly, adults get the best rates also from Travelers at $30 monthly, and seniors find lower premiums with Nationwide at $42 monthly.
High-risk drivers can still find affordable coverage in Pennsylvania. Westfield Insurance offers the lowest rates for bad credit ($44/month) and accidents ($25/month), while Travelers provides the best prices for DUIs ($40/month) and speeding tickets ($36/month).
Who Has the Cheapest Car Insurance in Pennsylvania?
| Travelers | $30 | $70 | -41% | $-35 |
| Erie Insurance | $29 | $82 | -35% | $-30 |
| Nationwide | $33 | $78 | -34% | $-29 |
| Westfield Insurance | $19 | $93 | -34% | $-29 |
| Donegal Insurance | $40 | $83 | -28% | $-23 |
Cheapest Car Insurance in Pennsylvania by Driver Type
Our analysis shows Travelers offers the cheapest rates in five out of our 10 driver categories, while Nationwide leads in two categories with particularly affordable rates for seniors and drivers with accidents. Find your specific rates in the table:
| Young Drivers | Travelers | $64 |
| Adult Drivers | Travelers | $30 |
| Senior Drivers | Nationwide | $42 |
| Drivers With An Accident | Nationwide | $33 |
| Drivers With A DUI | Travelers | $40 |
| Drivers With A Speeding Ticket | Travelers | $36 |
| Drivers With Bad Credit | Westfield Insurance | $44 |
| Drivers With Low Income | Westfield Insurance | $28 |
| Drivers With Newer Cars | Travelers | $20 |
| Drivers With Old Cars | Donegal Insurance | $22 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN PENNSYLVANIA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Pennsylvania:
Compare the Lowest Cost Rates for Your Profile
The tables above show overall winners, but your cheapest option depends on your specific situation. For adult drivers with poor credit and an accident record who want 100/300/100 full coverage with $1,000 deductible, Nationwide offers the lowest rates. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie Insurance | $89 | $1,073 | -39% | $-700 |
| Travelers | $89 | $1,065 | -40% | $-708 |
| Nationwide | $76 | $918 | -48% | $-855 |
| State Farm | $113 | $1,360 | -23% | $-413 |
| Donegal Insurance | $111 | $1,333 | -25% | $-440 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Pennsylvania by City
Travelers offers the most affordable minimum coverage rates in nine of Pennsylvania's 15 largest cities analyzed, making it the leading provider across the state's major metropolitan areas. Erie Insurance, Donegal Insurance, and Nationwide each secure two cities, creating a competitive market with Travelers holding the largest share as of October 2025.
Minimum coverage costs vary significantly across Pennsylvania's major metropolitan areas, ranging from $24 to $55 monthly. Harrisburg residents enjoy the state's lowest rates at $24 monthly through Erie Insurance, while Philadelphia drivers face substantially higher premiums at $55 monthly with Travelers. Mid-sized cities like York and Reading maintain moderate pricing between $25 and $29 monthly.
| Abington | Travelers | $38 | -43% | $-47 |
| Allentown | Donegal Insurance | $38 | -41% | $-40 |
| Bensalem | Travelers | $39 | -46% | $-54 |
| Bethlehem | Travelers | $28 | -45% | $-38 |
| Erie | Travelers | $31 | -41% | $-36 |
| Harrisburg | Erie Insurance | $24 | -43% | $-35 |
| Haverford | Travelers | $42 | -37% | $-41 |
| Lancaster | Erie Insurance | $29 | -37% | $-32 |
| Philadelphia | Travelers | $55 | -48% | $-84 |
| Pittsburgh | Donegal Insurance | $36 | -36% | $-32 |
| Reading | Travelers | $29 | -46% | $-41 |
| Scranton | Nationwide | $31 | -41% | $-36 |
| Upper Darby | Travelers | $44 | -48% | $-67 |
| Wilkes-Barre | Nationwide | $31 | -44% | $-41 |
| York | Travelers | $25 | -47% | $-37 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Pennsylvania By Driver Age Group
We analyzed car insurance rates across Pennsylvania for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can find the lowest rates with Travelers, starting at $64 per month
- Adult drivers also get the best rates from Travelers, with premiums from $30 per month
- Senior drivers see the most affordable coverage from Nationwide, beginning at $42 per month
Cheapest Car Insurance for Young Drivers in Pennsylvania
Young drivers in Pennsylvania can get the lowest minimum coverage rates through Westfield Insurance at $39 monthly, saving 67% compared to the state average. For full coverage, Travelers offers the most affordable option at $141 per month, with savings of 49% versus the state average.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Allstate | $228 | $2,739 | -32% | $-1,308 |
| Erie Insurance | $184 | $2,210 | -45% | $-1,837 |
| Nationwide | $215 | $2,579 | -36% | $-1,468 |
| Travelers | $185 | $2,216 | -45% | $-1,832 |
| Westfield Insurance | $233 | $2,801 | -31% | $-1,246 |
Cheapest Car Insurance for Adult Drivers in Pennsylvania
Travelers offers Pennsylvania's most affordable car insurance, with minimum liability coverage at $30 monthly and full coverage at $68 per month.
Data filtered by:Results filtered by:
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Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie Insurance | $89 | $1,073 | -39% | $-700 |
| Travelers | $89 | $1,065 | -40% | $-708 |
| Nationwide | $76 | $918 | -48% | $-855 |
| State Farm | $113 | $1,360 | -23% | $-413 |
| Donegal Insurance | $111 | $1,333 | -25% | $-440 |
Cheapest Car Insurance for Senior Drivers in Pennsylvania
Nationwide stands out as Pennsylvania's most affordable car insurance provider for seniors, offering the lowest annual rates of $983 for full coverage and $498 for minimum coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie Insurance | $123 | $1,477 | -0.30 | $-623 |
| Travelers | $113 | $1,354 | -0.36 | $-746 |
| Nationwide | $82 | $983 | -0.53 | $-1,116 |
| Chubb | $134 | $1,602 | -0.24 | $-497 |
| State Farm | $132 | $1,590 | -0.24 | $-510 |
Cheapest Car Insurance for High-Risk Drivers in Pennsylvania
We studied four core areas for profiles insurers consider particularly high-risk in Pennsylvania including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Westfield Insurance (From $44/mo)
- Cheapest With a DUI: Travelers (From $40/mo)
- Cheapest With an Accident: Nationwide (From $33/mo)
- Cheapest With a Speeding Ticket: Travelers (From $36/mo)
Cheapest Car Insurance for Bad Credit in Pennsylvania
Nationwide offers Pennsylvania's most affordable car insurance for drivers with bad credit. Annual rates start at $532 for minimum liability coverage and $1,661 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie Insurance | $159 | $1,909 | -40% | $-1,296 |
| Nationwide | $138 | $1,661 | -48% | $-1,545 |
| Allstate | $207 | $2,486 | -22% | $-719 |
| Chubb | $200 | $2,399 | -25% | $-806 |
| Westfield Insurance | $202 | $2,426 | -24% | $-779 |
Cheapest Car Insurance With a DUI in Pennsylvania
Travelers and State Farm are the most affordable choices for Pennsylvania drivers with a DUI, with either at around $40 per month for minimum coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
| Travelers | $95 | $1,135 | -0.62 | $-1,824 |
| Erie Insurance | $155 | $1,865 | -0.37 | $-1,094 |
| Progressive | $202 | $2,423 | -0.18 | $-535 |
| Allstate | $120 | $1,435 | -0.52 | $-1,524 |
| State Farm | $120 | $1,442 | -0.51 | $-1,516 |
Cheapest Car Insurance With an Accident in Pennsylvania
Westfield Insurance provides the most affordable car insurance for Pennsylvania drivers with an accident on their record. The company's rates start at $25 per month or $298 per year for state minimum liability coverage, making it much cheaper than other insurers in Pennsylvania.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
| Erie Insurance | $89 | $1,073 | -39% | $-700 |
| Travelers | $89 | $1,065 | -40% | $-708 |
| Nationwide | $76 | $918 | -48% | $-855 |
| State Farm | $113 | $1,360 | -23% | $-413 |
| Donegal Insurance | $111 | $1,333 | -25% | $-440 |
Cheapest Car Insurance With an Speeding Ticket
Pennsylvania drivers with speeding tickets can find the lowest rates through Westfield Insurance. The provider offers minimum coverage at $257 per year, while full coverage costs $1,299 annually, making it an affordable choice for Pennsylvania residents with traffic violations.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
| Erie Insurance | $89 | $1,073 | -39% | $-699 |
| Travelers | $82 | $986 | -44% | $-786 |
| Allstate | $120 | $1,435 | -19% | $-337 |
| Westfield Insurance | $108 | $1,299 | -27% | $-473 |
| Donegal Insurance | $101 | $1,206 | -32% | $-566 |
Cheapest Car Insurance With a Texting While Driving Violation
Drivers in Pennsylvania with texting while driving violation can get the most affordable car insurance rates with State Farm. It offers minimum coverage at $489 per year, while full coverage costs $1,135 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Westfield Insurance | $21 | $257 | -64% | $-454 |
| Travelers | $30 | $359 | -50% | $-352 |
| Erie Insurance | $32 | $380 | -47% | $-331 |
| Donegal Insurance | $39 | $468 | -34% | $-243 |
| State Farm | $39 | $470 | -34% | $-240 |
How to Get the Cheapest Car Insurance in Pennsylvania
Finding the most affordable insurance companies is just the first step to getting the best car insurance rates in Pennsylvania. Here are proven strategies to save the most on auto insurance.
- 1
Shop rates from both national and regional carriers
Pennsylvania has a competitive insurance market. Get quotes from large insurers and regional carriers to see which is most affordable in your county.
- 2
Meet Pennsylvania’s unique minimum requirements
Drivers must carry 15/30/5 liability coverage and $5,000 in medical benefits (PIP). Uninsured and underinsured motorist coverage is optional but strongly recommended. Pennsylvania is also a choice no-fault state, meaning drivers select either limited tort or full tort coverage, which directly affects price.
- 3
Choose tort options carefully
Limited tort coverage is cheaper but restricts your ability to sue for pain and suffering after an accident. Full tort gives more rights in lawsuits but costs more. Balancing affordability and protection is key.
- 4
Take advantage of discounts
Pennsylvania insurers offer savings for bundling, safe driving, completing a defensive driving course (especially for seniors), and using telematics.
- 5
Last-resort coverage through PA AIPSO
Drivers unable to secure a policy in the standard market can apply through the Pennsylvania Automobile Insurance Plan, though rates are higher.
Risks of Getting the Cheapest Car Insurance in Pennsylvania
Pennsylvania requires drivers to carry liability car insurance with minimum coverage limits of 15/30/5. This means drivers must have $15,000 for injury to one person, $30,000 total for injuries per accident and $5,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Pennsylvania, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Pennsylvania gets hit with severe weather that damages cars regularly. Severe weather events cause billions in property damage annually, according to the National Centers for Environmental Information. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, hail and flooding that could otherwise lead to costly out-of-pocket repairs.
Bodily injury damage is more likely to be higher than the minimum limits
Pennsylvania's minimum bodily injury coverage of $15,000 per person often falls short of actual medical costs. Average bodily injury claims reached $20,235 nationwide in 2023, according to the Insurance Information Institute. Rising medical costs increase your risk of out-of-pocket expenses. Consider increasing to 50/100/50 coverage limits for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Pennsylvania has an uninsured driver problem, with 7.6% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Pennsylvania. Vehicle thefts increased nationwide in 2023, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Pennsylvania
Drivers in Pennsylvania must carry auto insurance to legally operate a vehicle. The state is a choice no-fault system, which means drivers can select between limited or full tort options that affect their right to sue after an accident. By law, every policy must include liability coverage, first-party medical benefits, and uninsured/underinsured motorist protection. Meeting these limits keeps you legal, but many drivers purchase higher coverage for better protection against serious claims.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $15,000 per person |
Bodily Injury Liability (Per Accident) | $30,000 per accident |
Property Damage Liability | $5,000 per accident |
First-Party Medical Benefits (PIP) | $5,000 minimum |
Uninsured/Underinsured Motorist Coverage | Optional, but insurers must offer it |
Cheap Car Insurance in Pennsylvania: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance in Pennsylvania.
What are the cheapest car insurance companies in Pennsylvania?
Westfield Insurance leads Pennsylvania with the lowest rates, averaging $232 per year for minimum coverage and $1,120 for full coverage. Travelers, Erie, Nationwide and Donegal also provide competitive rates for Pennsylvania drivers.
Who has the cheapest car insurance rates for young drivers in Pennsylvania?
Travelers provides the most budget-friendly rates for young drivers in Pennsylvania, with monthly premiums starting at $64.
Who offers the cheapest car insurance rates for seniors in Pennsylvania?
Senior drivers in Pennsylvania can find the most competitive rates with Nationwide, offering policies for those 65 and older at an average of $42 per month.
Who has the cheapest car insurance in Pennsylvania for bad credit?
Westfield Insurance provides the most affordable rates for bad-credit drivers in Pennsylvania, with monthly premiums of $44 for minimum coverage and $151 for full coverage.
Who has the cheapest car insurance in Pennsylvania with an accident?
Nationwide offers the most affordable car insurance rates for Pennsylvania drivers with accident records, starting at $33 per month for minimum coverage.
Who has the cheapest car insurance in Pennsylvania with a DUI?
Travelers provides cheapest car insurance after a DUI in Pennsylvania. Rates start at $40 per month for minimum coverage and $97 per month for full coverage.
Who has the cheapest car insurance in Pennsylvania for those with a speeding ticket?
After receiving a speeding ticket, Travelers offers Pennsylvania's most budget-friendly auto insurance at $36 monthly for minimum coverage and $84 for full coverage.
Should you buy the cheapest car insurance in Pennsylvania?
While opting for the least expensive insurance can be tempting, make sure it provides sufficient coverage for major losses. Erie Insurance offers the best balance of affordability and quality coverage in Pennsylvania.
How We Found the Most Affordable Car Insurance in Pennsylvania
MoneyGeek collected auto insurance data from the Pennsylvania Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Pennsylvania.
Standard Coverage Levels in Pennsylvania
We compared car insurance companies in Pennsylvania that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Pennsylvania.
The minimum coverage liability limits in Pennsylvania are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
- $5,000 per accident for property damage
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
For more information, see the detailed methodology here.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed October 16, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed October 16, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 16, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed October 16, 2025.