- Travelers has the cheapest car insurance rates in Pennsylvania for full coverage at $148 a month among the companies analyzed by the team of CarInsurance.com.
- In Pennsylvania, drivers with clean driving records pay 76% less than drivers with a DUI.
- The city of York has the lowest auto insurance rates in Pennsylvania, with an average premium of $2,006 per year.
- You can save up to 24% per year on your car insurance policy in Pennsylvania by comparing price quotes from multiple insurers.
The cheapest car insurance in Pennsylvania costs $148 per month for a full coverage policy from Travelers. That’s a $46 savings from the average cost of insurance in the state, which is $194 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Pennsylvania including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
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 $148 or $1,770 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 | $148 |
| Erie Insurance | $170 |
| GEICO | $200 |
| Westfield Insurance | $200 |
| Allstate | $207 |
| State Farm | $227 |
| Progressive | $240 |
| USAA* | $163 |
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 8% less than single drivers.
- Pennsylvania drivers with clean records pay 76% less than drivers who have a DUI on their record.
- Pennsylvania drivers in their 20s pay 55% lower rates for insurance than a 16-year-old in Pennsylvania.
- Adding a teen to your policy will cost you 43% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
- Drivers insured for three or more years can save up to 20% 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 7% for this state more on their premiums.
Cheapest insurers for different coverage levels in Pennsylvania
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Westfield Insurance is the cheapest for a state minimum policy.
- Erie Insurance 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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Pennsylvania
In Pennsylvania, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Pennsylvania’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Westfield Insurance | $302 |
| Erie Insurance | $393 |
| GEICO | $401 |
| Travelers | $409 |
| Allstate | $540 |
| Progressive | $604 |
| State Farm | $706 |
| USAA* | $335 |
Cheapest insurance providers for liability-only coverage in Pennsylvania
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Pennsylvania, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 |
|---|---|
| Erie Insurance | $472 |
| Travelers | $516 |
| Westfield Insurance | $525 |
| Allstate | $647 |
| GEICO | $679 |
| Progressive | $753 |
| State Farm | $823 |
| USAA* | $419 |
Cheapest car insurance companies in Pennsylvania for full coverage
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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Pennsylvania based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $1,770 |
| Erie Insurance | $2,044 |
| Westfield Insurance | $2,401 |
| GEICO | $2,403 |
| Allstate | $2,484 |
| State Farm | $2,722 |
| Progressive | $2,884 |
| USAA* | $1,951 |
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 $924 more annually than drivers with clean records.
Cheap car insurance rates in Pennsylvania after a speeding ticket
A speeding ticket can impact your Pennsylvania car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Erie Insurance has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $2,267 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Erie Insurance | $2,044 | $2,267 | 11% | $223 |
| Travelers | $1,770 | $2,358 | 33% | $588 |
| Westfield Insurance | $2,401 | $2,626 | 9% | $225 |
| State Farm | $2,722 | $2,914 | 7% | $192 |
| Progressive | $2,884 | $2,971 | 3% | $87 |
| GEICO | $2,403 | $4,047 | 68% | $1,644 |
| USAA* | $1,951 | $2,188 | 12% | $237 |
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 Travelers at an average of $2,761 a year, followed by State Farm with an annual premium of $2,914 annually, based on recent data.
If you have a clean record, you are likely to pay 76% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Travelers | $1,770 | $2,761 | 56% | $991 |
| State Farm | $2,722 | $2,914 | 7% | $192 |
| Progressive | $2,884 | $3,327 | 15% | $443 |
| Erie Insurance | $2,044 | $3,738 | 83% | $1,694 |
| GEICO | $2,403 | $4,426 | 84% | $2,023 |
| Westfield Insurance | $2,401 | $8,102 | 237% | $5,701 |
| USAA* | $1,951 | $3,277 | 68% | $1,326 |
Cheap car insurance rates in Pennsylvania after an at-fault accident
If you’re a driver with an at-fault accident on your record, Travelers is the cheapest option, offering car insurance at an average cost of $2,581 annually.
Erie Insurance is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $2,757 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Travelers | $1,770 | $2,581 | 46% | $811 |
| Erie Insurance | $2,044 | $2,757 | 35% | $713 |
| State Farm | $2,722 | $3,076 | 13% | $354 |
| Westfield Insurance | $2,401 | $3,761 | 57% | $1,360 |
| GEICO | $2,403 | $4,237 | 76% | $1,834 |
| Allstate | $2,484 | $4,410 | 78% | $1,926 |
| Progressive | $2,884 | $4,489 | 56% | $1,605 |
| USAA* | $1,951 | $2,859 | 47% | $908 |
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Pennsylvania
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Pennsylvania, York stands out as the city with the lowest auto insurance rates, at an average of $2,006 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Pennsylvania with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| York | $2,006 |
| Harrisburg | $2,086 |
| Lancaster | $2,125 |
| Bethlehem | $2,223 |
| Scranton | $2,272 |
| Erie | $2,303 |
| Pittsburgh | $2,372 |
| Reading | $2,387 |
| Allentown | $2,479 |
| Philadelphia | $3,061 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Pennsylvania
If you compare car insurance quotes, you could enjoy an annual saving of around 24% on a full coverage policy in Pennsylvania.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Pennsylvania: Save on premiums
Pennsylvania drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Pennsylvania.
| Discount type | % difference | $ difference |
|---|---|---|
| Air Bags | 5% | $110 |
| Anti-Theft Device | 2% | $38 |
| Comp and Coll Deductibles | 18% | $412 |
| Daily Commute | 7% | $160 |
| Days Advanced Purchase | 9% | $212 |
| Education | 6% | $132 |
| Electronic Funds Transfer | 3% | $72 |
| Electronic Signature | 8% | $179 |
| Homeowner | 6% | $132 |
| Lower Annual Mileage | 7% | $165 |
| Loyalty – Years Renewal With Company | 10% | $236 |
| Marital Status | 8% | $186 |
| Multi Policy | 9% | $200 |
| Paperless/Electornic Documents | 2% | $53 |
| Payment Type | 8% | $188 |
| Primary Use | 7% | $173 |
| Profession | 16% | $373 |
| Purhase Status | 10% | $223 |
| Safety Devices | 4% | $100 |
| Student Away At School | 17% | $391 |
| Telematics | 11% | $245 |
| Years Insured | 24% | $555 |
| Years Licensed | 32% | $746 |
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 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.
*USAA is only available to military community members and their families.
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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