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.
- Travelers has the cheapest car insurance rates in Pennsylvania for full coverage at $79 a month among the companies analyzed by the team of CarInsurance.com.
- In Pennsylvania, drivers with clean driving records pay 37% less than drivers with a DUI.
- The city of Boiling Springs has the lowest auto insurance rates in Pennsylvania, with an average premium of $1,488 per year.
- You can save up to 49% per year on your car insurance policy in Pennsylvania by comparing price quotes from multiple insurers.
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.
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Who pays a lower insurance premium in Pennsylvania?
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 insurers for different coverage levels in Pennsylvania
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.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property 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, 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.
In the table below, see the average annual rates from Pennsylvania’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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 |
|---|---|
| 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 in Pennsylvania
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.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Pennsylvania, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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.
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
A speeding ticket can impact your Pennsylvania car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Travelers has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,273 a 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
CarInsurance.com analyzed insurance rates for Pennsylvania drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,418 . Travelers is the second-cheapest insurer at an average of $1,446 per year.
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 rates in Pennsylvania after an at-fault accident
If you’re a driver with an at-fault accident on your record, Nationwide is the cheapest option, offering car insurance at an average cost of $1,279 annually.
Travelers is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Pennsylvania
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
The city with the lowest auto insurance rates in Pennsylvania is Boiling Springs, at $1,488 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance 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 auto insurance in Pennsylvania?
Shopping around for car insurance quotes in Pennsylvania can help drivers save 49% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
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 | 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 research, if you are a good driver, Travelers is the cheapest in Pennsylvania for a full coverage policy.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Pennsylvania