- According to recent data, Travelers offers the cheapest full coverage car insurance in Pennsylvania at $79 per month.
- Pennsylvania drivers with a clean driving record pay 37% less for car insurance than drivers with a DUI.
- In Pennsylvania, the city of Boiling Springs has the most affordable car insurance rates at $1,488 annually.
- Comparing price quotes from multiple insurers can help you save up to 49% per year on your car insurance policy in Pennsylvania.
The cheapest full coverage car insurance in Pennsylvania is $79, saving you $77 compared to the average cost of insurance in the state, which is around $156 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Pennsylvania, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Pennsylvania should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Which company offers the cheapest car insurance in Pennsylvania?
Travelers offers the cheapest car insurance rates in Pennsylvania for a full coverage policy with an average premium of $79 per month or around $952 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Pennsylvania by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Pennsylvania per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $79 |
| Nationwide | $100 |
| Erie Insurance | $129 |
| Westfield Insurance | $156 |
| Donegal | $159 |
| Progressive | $183 |
| GEICO | $192 |
| State Farm | $206 |
| Allstate | $209 |
| USAA* | $151 |
Note: USAA is only available to military community members and their families.
Pennsylvania drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 9% less than single drivers.
- Pennsylvania drivers with clean records pay 37% less than drivers who have a DUI on their record.
- Pennsylvania drivers in their 20s pay 54% lower rates for insurance than a 16-year-old in Pennsylvania.
- Adding a teen to your policy will cost you 77% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 30% less on their insurance premiums.
- Drivers insured for three or more years can save up to 18% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 3% for this state more on their premiums.
Cheapest Pennsylvania companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Travelers is the cheapest for a state minimum policy.
- Travelers has the cheapest rates for a liability-only policy (50/100/50).
- Travelers offers the cheapest car insurance for a full coverage policy (100/300/100) in Pennsylvania.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in Pennsylvania
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Pennsylvania, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $15,000/$30,000 |
| Minimum property damage liability | $5,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Pennsylvania, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Travelers | $243 |
| Donegal | $252 |
| Erie Insurance | $263 |
| Westfield Insurance | $279 |
| Nationwide | $350 |
| GEICO | $355 |
| State Farm | $447 |
| Progressive | $556 |
| Allstate | $705 |
| USAA* | $305 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Pennsylvania
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Pennsylvania, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Travelers | $340 |
| Donegal | $346 |
| Erie Insurance | $354 |
| Nationwide | $404 |
| Westfield Insurance | $433 |
| State Farm | $578 |
| GEICO | $587 |
| Progressive | $775 |
| Allstate | $823 |
| USAA* | $415 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Pennsylvania
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Pennsylvania from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $952 |
| Nationwide | $1,196 |
| Erie Insurance | $1,550 |
| Westfield Insurance | $1,872 |
| Donegal | $1,913 |
| Progressive | $2,193 |
| GEICO | $2,308 |
| State Farm | $2,473 |
| Allstate | $2,503 |
| USAA* | $1,806 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Pennsylvania by driving history
In Pennsylvania, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Pennsylvania, drivers with a history of such violations typically pay $378 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Pennsylvania
If you’ve got a speeding ticket on your Pennsylvania driving record and need affordable car insurance, Travelers might be the answer. With an average annual rate of $1,273, Travelers offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Pennsylvania.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Travelers | $1,008 | $1,273 | 26% | $265 |
| Erie Insurance | $1,253 | $1,347 | 7% | $93 |
| Auto-Owners | $1,337 | $1,408 | 5% | $71 |
| State Farm | $1,300 | $1,418 | 9% | $118 |
| Nationwide | $891 | $1,627 | 83% | $736 |
| Progressive | $1,600 | $1,658 | 4% | $57 |
| GEICO | $1,333 | $1,826 | 37% | $493 |
| USAA* | $1,505 | $1,682 | 12% | $177 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Pennsylvania after a DUI conviction
Pennsylvania drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,418 a year, followed by Travelers with an annual premium of $1,446 annually, based on recent data.
If you have a clean record, you are likely to pay 37% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,300 | $1,418 | 9% | $118 |
| Travelers | $1,008 | $1,446 | 43% | $438 |
| Erie Insurance | $1,253 | $1,939 | 55% | $686 |
| Progressive | $1,600 | $2,001 | 25% | $401 |
| Nationwide | $891 | $2,275 | 155% | $1,384 |
| GEICO | $1,333 | $2,654 | 99% | $1,322 |
| Auto-Owners | $1,337 | $3,446 | 158% | $2,109 |
| USAA* | $1,505 | $2,022 | 34% | $517 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Pennsylvania after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Nationwide, at $1,279 a year.
On the other hand, Travelers offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,370.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $891 | $1,279 | 44% | $388 |
| Travelers | $1,008 | $1,370 | 36% | $361 |
| State Farm | $1,300 | $1,458 | 12% | $157 |
| Erie Insurance | $1,253 | $1,544 | 23% | $291 |
| Auto-Owners | $1,337 | $1,721 | 29% | $384 |
| Allstate | $1,447 | $1,776 | 23% | $328 |
| GEICO | $1,333 | $1,925 | 44% | $592 |
| Progressive | $1,600 | $2,231 | 39% | $631 |
| USAA* | $1,505 | $1,977 | 31% | $472 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in Pennsylvania have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Pennsylvania is Boiling Springs, at $1,488 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Pennsylvania with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Boiling Springs | $1,488 |
| Shippensburg | $1,491 |
| Mount Holly Springs | $1,494 |
| Carlisle | $1,502 |
| White Deer | $1,502 |
| Walnut Bottom | $1,504 |
| State College | $1,506 |
| Lewisburg | $1,511 |
| Lemont | $1,513 |
| New Columbia | $1,517 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Pennsylvania?
By comparing car insurance quotes, you can save an average of 49% per year for a full coverage policy in Pennsylvania.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Pennsylvania: Save on premiums
Car insurance discounts in Pennsylvania can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Pennsylvania.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 2% | $58 |
| Anti-theft device | 2% | $48 |
| Daily commute | 6% | $158 |
| Days advanced purchase | 11% | $315 |
| Days per week driven | 3% | $108 |
| Education | 5% | $144 |
| Electronic funds transfer | 4% | $91 |
| Electronic signature | 8% | $210 |
| Homeowner | 3% | $112 |
| Lower annual mileage | 7% | $161 |
| Loyalty – years renewal with company | 10% | $241 |
| Marital status | 9% | $252 |
| Multi policy | 8% | $207 |
| Paperless/electornic documents | 4% | $138 |
| Payment type | 8% | $198 |
| Primary use | 10% | $251 |
| Profession | 20% | $534 |
| Safety devices | 3% | $92 |
| Telematics | 9% | $210 |
| Years insured | 17% | $632 |
| Years licensed | 28% | $1,086 |
Final thoughts on cheap car insurance in Pennsylvania
Our research shows that Travelers has the cheapest full coverage car insurance rates in Pennsylvania for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Pennsylvania, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources &Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Pennsylvania for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 15/30/5.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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