Westfield offers the cheapest minimum coverage for most low-income drivers in Pennsylvania. Travelers is often more affordable for drivers with a DUI.
Cheapest Low-Income Car Insurance in Pennsylvania
Updated: February 7, 2025
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Key Takeaways
Pennsylvania doesn't have a low-income car insurance program to help customers save on car insurance, but you can stil find affordable options on your own.
Westfield, Auto-Owners, Travelers and Nationwide are the cheapest providers for low-income drivers in Pennsylvania.
Low-income drivers can find affordable auto insurance by looking at multiple providers and opting for a cheaper car to insure.
Cheapest Car Insurance Companies for Low-Income Drivers in Pennsylvania
| Westfield | Young Drivers | $25 |
| Westfield | Adults | $19 |
| Westfield | Seniors | $19 |
| Westfield | Drivers With a Speeding Ticket | $21 |
| Travelers | Drivers With a DUI | $38 |
| Westfield | Drivers With an Accident | $19 |
| Westfield | Bad Credit | $39 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find the most affordable provider for your driver profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Westfield | $19 | $228 |
| Auto-Owners | $26 | $306 |
| Travelers | $28 | $338 |
| Erie | $31 | $376 |
| American National | $33 | $398 |
Cheapest Car Insurance for Families With Low Income in Pennsylvania
Travelers offers the cheapest monthly rates for low-income families adding a driver to their policy in Pennsylvania: $43 for married couples adding a teen driver, $86 for single parents adding a teen and $40 for adding a spouse to a policy.
Data filtered by:Results filtered by:
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Family Type:Married Couple with Teen
| Travelers | $517 | $43 |
| Auto-Owners | $588 | $49 |
| Nationwide | $603 | $50 |
| State Farm | $711 | $59 |
| Allstate | $954 | $80 |
| GEICO | $1,032 | $86 |
| Progressive | $1,057 | $88 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Here are some helpful tips to lower your premiums:
- 1
Choose minimum coverage
Compared to full coverage, minimum coverage is the more affordable option, however it won't cover the same things as full coverage, meaning you can be on the hook to pay for more in the case of an accident.
- 2
Compare quotes
Comparing quotes is another good way to find the most affordable option for car insurance. You can do this by utilizing provider websites, online calculators like our tool and independent brokers.
- 3
Look for discounts
Insurance companies offer discounts for having multiple cars on a policy, being a good student and a safe driver with telematics programs. In Pennsylvania, you can complete a defensive driving course online for as low as $25, saving up to 10% on premiums for at least three years.
- 4
Increase your deductible
Typically as you raise your deductible, your premiums will go down, although it will cost more if you need to file a claim.
- 5
Consider pay-per-mile insurance
If you don't drive often or drive long miles, you may want to consider pay-per-mile insurance. Certain providers will offer this type of program that allows to you save by only paying for miles that you have driven, plus a low base fee.
- 6
Bundle your policies
Bundling auto insurance with home or renters insurance can help save customers money on car insurance, up to $650 annually depending on the provider that you choose.
- 7
Get a cheaper car to insure
A vehicle's make, model and year are taken into consideration by providers when determining rates. Opting for a cheaper car to insure, such as an older, reliable vehicle, can save you hundreds of dollars annually.
Minimum Car Insurance Requirements in Pennsylvania
Pennsylvania residents must meet these minimum car insurance requirements:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
If you're leasing or financing a vehicle, you'll need a liability coverage split of 100/300/100, along with comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum car insurance pays for the other driver's costs if you're at fault in an accident but doesn't cover your car's repairs or legal fees. If you drive often or have extra funds, consider additional coverage to avoid large out-of-pocket expenses later.
Cheap Low-Income Car Insurance in Pennsylvania: Bottom Line
Westfield offers the cheapest car insurance for most low-income drivers in Pennsylvania. Explore providers through different methods to secure the best deal.
Low-Income Auto Insurance in Pennsylvania: FAQ
Saving on car insurance can be challenging for low-income drivers. Find answers to common questions on reducing costs.
What is the cheapest car insurance for low-income drivers in Pennsylvania?
Minimum coverage is often the most affordable for low-income drivers, though it may be insufficient for insuring financed or leased vehicles. Westfield offers Pennsylvania's lowest minimum coverage rate at $19 monthly, and Auto-Owners provides the cheapest full coverage at $62.
Does Pennsylvania have a state-supported low-income car insurance program?
Pennsylvania has no state-supported insurance program for low-income drivers.
Does your income affect the cost of car insurance in Pennsylvania?
Income doesn't directly affect car insurance rates in Pennsylvania. Insurers set premiums based on factors like driving history and vehicle type.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek reviewed Pennsylvania auto insurance rates using data from the Pennsylvania Insurance Department and Quadrant Information Services.
Data Acquisition, Depth and Analysis
MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Pennsylvania.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Pennsylvania:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage, which follows the requirements set by Pennsylvania law and offers affordable options for low-income drivers.
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.