You can find the cheapest full-coverage car insurance in Pennsylvania for $79 a month from Travelers. It saves you $77 compared to the state average car insurance cost of $156 monthly.
Shopping for car insurance in Pennsylvania can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as GEICO, Progressive and State Farm so you can see who offers the best deals.
“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.
- Among the companies analyzed by CarInsurance.com, Travelers stands out as the cheapest option for full coverage car insurance in Pennsylvania, with an insurance premium of $79 per month.
- Drivers in Pennsylvania with a clean record pay 37% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Pennsylvania is Boiling Springs, with an annual premium of $1,488.
- Pennsylvania drivers can save up to 49% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Pennsylvania?
Based on data analysis by CarInsurance.com, Travelers provides the cheapest full coverage auto insurance rates for Pennsylvania drivers at a monthly rate of $79 or $952 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Pennsylvania.
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.
Who pays the lowest auto insurance premiums in Pennsylvania?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- 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 companies for state minimum coverage in Pennsylvania
Pennsylvania requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 are the average annual rates from major insurance companies in Pennsylvania, ranked from cheapest to the most expensive for the 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
Cheapest auto insurance in Pennsylvania by driving history
Your driving history impacts insurance premiums in Pennsylvania, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Pennsylvania, drivers with a history of traffic violation pay an average of $378 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance in Pennsylvania after a speeding ticket
If you have a speeding ticket on your Pennsylvania driving record and you are looking for cheap car insurance, Travelers offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,273 per year.
| 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 in Pennsylvania after a DUI conviction
State Farm offers the cheapest car insurance to Pennsylvania drivers with a DUI conviction at $1,418 per year and Travelers has the second-cheapest insurance premiums at $1,446 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 37% less than those with a history of 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 rates after an at-fault accident in Pennsylvania
Nationwide is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,279.
Travelers is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,370.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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 |
The bottom line on cheap auto insurance in Pennsylvania
Based on our findings, Travelers provides the cheapest rates for a full coverage policy in Pennsylvania if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Pennsylvania, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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