The Cheapest Car Insurance in Pennsylvania for 2022 |

GEICO is the cheapest company for state-minimum coverage in Pennsylvania, while Erie offers the most low-cost full-coverage car insurance in the state. however, other factors besides affect rates, such as coverage measure, driving history, historic period and credit grudge. submit grow delivers the lowest average rate for a Pennsylvania driver with a DUI on their record. USAA offers the most low-cost liability-only and full-coverage policies in Pennsylvania, but lone current and retire military members and their families qualify for its coverage. For those looking for an even more local solution, we besides broke down the brassy companies by city, ampere well as the best car indemnity companies in Pennsylvania for those looking to balance choice military service and cost. To find out how MoneyGeek calculated the cheapest car insurance in Pennsylvania, read our methodology.

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The Cheapest Car Insurance in Pennsylvania

Cheapest Minimum Liability Car Insurance in Pennsylvania

Getting a liability-only coverage policy, which merely meets the state minimum cable car indemnity requirements, is the most low-cost cable car policy option in Pennsylvania. Based on MoneyGeek ’ mho discipline, the most low-cost minimum coverage car indemnity in Pennsylvania are from :

  • GEICO: $543 per year
  • Erie: $571 per year

If you or a family member are in the military, you qualify for USAA coverage, which would be the cheapest option in the department of state at an average of $ 374 per year. meanwhile, MetLife has the most expensive annual average rate at $ 1,715 .

Cheapest Minimum Car Insurance in Pennsylvania
  • party per annum monthly
  • 1 .USAA $ 374 $ 31
  • 2 .GEICO $ 543 $ 45
  • 3 .Erie $ 571 $ 48
  • 4 .State Farm $ 652 $ 54
  • 5 .Travelers $ 825 $ 69
  • 6 .Allstate $ 835 $ 70
  • 7 .Nationwide $ 919 $ 77
  • 8 .Esurance $ 1,061 $ 88
  • 9 .Progressive $ 1,084 $ 90
  • 10 .MetLife $ 1,715 $ 143

These prices are only estimates based on rates for an average Pennsylvania driver and should not be used to compare policy prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Pennsylvania

Pennsylvania drivers who have a full coverage policy with higher liability limits and comprehensive examination and collision insurance have the assurance that they are protected against road and off-road accidents. While this policy costs more than minimal coverage, it provides protection against if your car gets damaged after an accident. The best way to find the most accurate policy is to compare multiple quotes from versatile car insurers. Based on average rates for Pennsylvania drivers with full coverage, the cheapest car policy companies are :

  • Erie: $1,328 per year
  • Travelers: $1,330 per year

For military personnel, USAA has the most low-cost average annual rate of $ 991. MetLife has an average rate of $ 2,753 per year for a fully coverage policy, making it the most expensive option .

Cheapest Full Coverage Car Insurance in Pennsylvania
  • company annually monthly
  • 1 .USAA $ 991 $ 83
  • 2 .Erie $ 1,328 $ 111
  • 3 .Travelers $ 1,330 $ 111
  • 4 .GEICO $ 1,344 $ 112
  • 5 .State Farm $ 1,370 $ 114
  • 6 .Nationwide $ 1,771 $ 148
  • 7 .Allstate $ 1,824 $ 152
  • 8 .Esurance $ 2,097 $ 175
  • 9 .Progressive $ 2,589 $ 216
  • 10 .MetLife $ 2,753 $ 229

car indemnity rates depend on individualize factors, so your premium will not be the same as any of the examples provided. These rates are based on a comprehensive and collision insurance policy that allows a driver to claim up to $ 100,000 for bodily injury per person, $ 300,000 for bodily injury per accident and $ 100,000 for property wrong per accident.

How to Compare Cheap Pennsylvania Car Insurance Quotes Online

Most car policy companies in Pennsylvania provide access to reasonably accurate quotes through tools on their websites .

  • Always be consistent about coverage limits. If the basis for one quote is $300,000 in bodily liability insurance per accident, then you should use that same number with all insurers.
  • You can obtain quotes online through most insurance providers in Pennsylvania. Use MoneyGeek’s auto insurance calculator to compare rates for an average driver. For a personalized quote, you’ll need to contact insurance providers directly. You may also use the price data presented by MoneyGeek to help you figure out which company’s websites you will visit.
  • The cheapest companies in Pennsylvania are USAA, GEICO and Erie. You can start your search for the best auto insurance by asking for quotes from these insurers.

Auto Insurance Calculator

state pennsylvania age 30-65 drive record clean credit sexual conquest excellent Vehicle Type compact Vehicle year 2020 Liability Coverage department of state Min Comprehensive and Collision Insurance none sex female

Average Annual Auto Insurance Rates

Click the section of the wheel in your monetary value range to see options. gloomy end on modal high end Click your choose price range to see company options. Click an insurance company below to visit their review page or continue to your individualized quote. company average annual Rates 1 .USAA $ 376 2 .GEICO $ 545 3 .Erie $ 574 4 .State Farm $ 655

Cheapest Car Insurance for Drivers With a DUI in Pennsylvania

indemnity providers in Pennsylvania charge higher rates for drivers who have violations like a DUI, which means car indemnity for bad drivers can get very expensive. In Pennsylvania, the average cost of car policy for a driver with a DUI is $ 3,204 per year. A driver with a clean record typically pays $ 1,818 per year. The cheapest car indemnity for a driver with a DUI and full moon coverage in Pennsylvania are :

  • State Farm: $1,494 per year
  • Allstate: $1,824 per year

If you have a military affiliation, USAA ‘s modal annual pace of $ 1,322 for Pennsylvania drivers with a DUI is likely your most low-cost choice .

Average Car Insurance Rates With a DUI
  • company per annum monthly
  • 1 .USAA $ 1,322 $ 110
  • 2 .State Farm $ 1,494 $ 125
  • 3 .Allstate $ 1,824 $ 152
  • 4 .Erie $ 2,031 $ 169
  • 5 .Esurance $ 2,501 $ 208
  • 6 .Travelers $ 2,843 $ 237
  • 7 .Progressive $ 2,936 $ 245
  • 8 .Nationwide $ 3,013 $ 251
  • 9 .GEICO $ 4,537 $ 378
  • 10 .MetLife $ 7,847 $ 654

Driving under the influence ( DUI ) carries a dramatic gamble for your life and chap drivers on the road. In Pennsylvania, 1.8 % of adults admitted to driving after drinking excessively much within the past 30 days in a survey by the Centers for Disease Control and Prevention ( CDC ). 3,697 people in Pennsylvania were killed in alcohol-related crashes between 2009 and 2018. The legal consequences of a DUI in Pennsylvania vary based on a driver ’ s rake alcohol contented ( BAC ). It is illegal to drive with a BAC of .08 % or higher. First-time offenders face six months of probation, a $ 300 very well, but get to keep their license. If your BAC is higher than .10 %, the punishment is much more austere with imprison time and your license will be suspended. Check out the above table for estimates on what to expect if you get a DUI in Pennsylvania. A DUI citation can have a significant impact on your finances. Along with legal and court fees, you can expect your car insurance cost to rise. In some cases, your insurance rates could double nightlong after a DUI because insurers will immediately label your coverage as bad. In Pennsylvania, a license suspension is a valid reason for an policy company to cancel your policy. If that happens, you ’ ll want to look for coverage from a different caller. Getting free quotes from multiple companies will help you find the cheapest car indemnity with a DUI in Pennsylvania. If you struggle to find coverage after a DUI, Pennsylvania offers an Assigned risk design. This commonwealth-sponsored car insurance ensures bad drivers have coverage and the risk is shared across multiple providers.

Cheapest Car Insurance in Pennsylvania for Drivers With an At-Fault Accident

In Pennsylvania, if an insurance company deems you “ at-fault ” in an accident, your indemnity premiums will about decidedly upgrade. On average, a driver with an at-fault accident on their record pays $ 2,919 for their policy. The following two companies provide the cheap car insurance in Pennsylvania for drivers with an at-fault accident history, on average :

  • State Farm: $1,619 per year
  • Erie: $1,706 per year

While USAA offers the lowest annual modal premium in the express of $ 1,394, their products are only available to current and former military members, ampere well as their families .

Cheapest Car Insurance With an At-Fault Accident
  • company annually monthly
  • 1 .USAA $ 1,394 $ 116
  • 2 .State Farm $ 1,619 $ 135
  • 3 .Erie $ 1,706 $ 142
  • 4 .Travelers $ 2,181 $ 182
  • 5 .Allstate $ 2,350 $ 196
  • 6 .GEICO $ 2,561 $ 213
  • 7 .Nationwide $ 2,612 $ 218
  • 8 .Esurance $ 3,141 $ 262
  • 9 .Progressive $ 4,277 $ 356
  • 10 .MetLife $ 7,655 $ 638

According to the National Highway Traffic Safety Administration, Pennsylvania has one of the worst rates for perturb drive. In 2018, distracted drive accounted for 1,103 crashes in the state. Both perturb drive and speed is considered bad driving behavior by car policy companies and may increase your rates. In Pennsylvania, the jurisprudence prohibits drivers from interacting with any radio device, including texting, emailing or browsing the internet. While drivers face a $ 50 fine in Pennsylvania for perturb drive, the rape does not appear on any driver records. however, there are now tougher penalties for crashes caused by texting while driving, including two years in imprison. Clearing your record of a distract drive crash will take some time. In the interim, your insurance rates will increase. Finding brassy car policy rates with a ticket in Pennsylvania is potential with research. You should get multiple quotes and ask if there are ways you can lower your rate, like taking a driver ’ s education course. university of pennsylvania

Cheapest Car Insurance Companies in Pennsylvania for Drivers With Bad Credit

Drivers with poor credit scores in Pennsylvania have higher rates than those with healthy credit scores. The average annual rate for drivers with bad credit is $ 3,301. The average cost for drivers with good scores is $ 1,818 per year. MoneyGeek ’ sulfur learn shows that the bum cable car indemnity companies in Pennsylvania for a full coverage policy if you have bad credit are :

  • Nationwide: $1,906 per year
  • GEICO: $2,095 per year

For military members and their families, USAA ‘s average annual rate of $ 1,529 is the most low-cost for a Pennsylvania driver with bad credit .

Average Car Insurance Rates for Drivers With Bad Credit
  • company per annum monthly
  • 1 .USAA $ 1,529 $ 127
  • 2 .Nationwide $ 1,906 $ 159
  • 3 .GEICO $ 2,095 $ 175
  • 4 .Travelers $ 2,427 $ 202
  • 5 .State Farm $ 2,718 $ 227
  • 6 .Erie $ 3,220 $ 268
  • 7 .Allstate $ 3,365 $ 280
  • 8 .Esurance $ 4,580 $ 382
  • 9 .Progressive $ 4,873 $ 406
  • 10 .MetLife $ 5,994 $ 500

How creditworthy you are with your finances is a factor cable car policy companies use to determine your rates. If you have a high citation sexual conquest, they believe you will have fewer claims and will offer you a lower rate. This effect is the opposite for people with low recognition scores. Pennsylvania allows insurers to increase rates when writing fresh policies, but they can not use your citation score to affect renewals. According to Experian, Pennsylvania has an average credit grade of 713. That ’ s slenderly above the national average of 703. Check out the above table for estimates of what drivers in Pennsylvania will pay for car policy if they have bad credit. If you have a lower accredit score, your quotes will likely reflect that with higher rates. To lower your rates, double-check your credit report. If there are errors, work to fix them equally soon as potential and then reevaluate with your indemnity company. work with a few policy companies and ask if and how they use your credit rating report. Bad credit will impact your rates more with some insurers than with others, thus get several personalized quotes to find low-cost car policy with bad credit.

Cheapest Car Insurance in Pennsylvania for Seniors

aged drivers in Pennsylvania tend to have slightly higher car indemnity rates than young adults and middle-aged drivers. typically, senior drivers in Pennsylvania pay an average of $ 1,881 per year. That is $ 63 more than the annual average rate of $ 1,818 for a 40-year-old driver. The cheapest car policy companies in Pennsylvania for senior drivers with full coverage are :

  • State Farm: $1,318 per year
  • GEICO: $1,396 per year

For those of you in military families, USAA has the lowest average annual rate for Pennsylvania seniors at $ 1,054 .

Average Car Insurance Rates for Seniors
  • company annually monthly
  • 1 .USAA $ 1,054 $ 88
  • 2 .State Farm $ 1,318 $ 110
  • 3 .GEICO $ 1,396 $ 116
  • 4 .Erie $ 1,408 $ 117
  • 5 .Nationwide $ 1,733 $ 144
  • 6 .Travelers $ 1,743 $ 145
  • 7 .Allstate $ 1,913 $ 159
  • 8 .Esurance $ 2,441 $ 203
  • 9 .MetLife $ 2,536 $ 211
  • 10 .Progressive $ 2,584 $ 215

There are plenty of options for bum car policy for seniors in Pennsylvania. Senior drivers who have a clean drive record can find estimable deals based on their feel and cognition on the road. however, as we age, we face fresh physical, ocular and genial challenges. According to NHTSA, drivers over the age of 65 are responsible for 15.9 % of the state of matter ‘s deadly crashes. Pennsylvania begins retesting adults over the old age of 45 to ensure their ability to drive safely. Drivers are randomly chosen anterior to their driver ’ second license renewal and are required to undergo a sight and physical examen. Depending on the results, a driver ’ second examination and knowledge examination may besides be required. When looking for the best rates, consider taking a driver ’ sulfur education course. Under Pennsylvania state law, drivers 55 and older are eligible to receive a 5 % rebate on their vehicle insurance by completing the Mature Driver Improvement Course. Make indisputable your policy caller knows you have completed the course to ensure you get the deduction.

Cheapest Car Insurance in Pennsylvania for Young Drivers

insurance providers consider youthful drivers riskier to insure due to their miss of experience on the road and charge them higher premiums as a solution. In Pennsylvania, a 16-year-old driver ‘s car insurance costs an average of $ 4,354 per year, while a 25-year-old driver pays an average annual pace of $ 1,828. Although Allstate offers the cheapest car indemnity quotation for drivers aged 16, State Farm, on average, offers the most low-cost quotes to the majority of age groups in that roll .

Annual Car Insurance In Pennsylvania for Young Drivers

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  • age average cost Cheapest ship’s company company cost
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    State Farm


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    State Farm


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Auto indemnity companies respect know and a history of safe drive. For teenagers, this takes fourth dimension to build and maintain. That ’ randomness why policy rates are higher for young drivers. however, there are ways to find the cheapest car policy for students. In general, you should constantly seek out as many discounts for young drivers as possible, while comparing rates from multiple companies to find the most low-cost option.

Insurance Rate Information for Military Drivers and Veterans

For the 2,500 active-duty military personnel and 800,000 veterans in Pennsylvania, there are military discounts available with car insurance plans. major indemnity companies offer a discount to stay competitive with one another. Military-focused policy companies work merely with arm forces personnel and some insurance companies cater precisely to veterans. The Pennsylvania Insurance Department offers tips on buy cable car policy deoxyadenosine monophosphate well as the state ‘s requirements for minimum coverage. A service member can maintain Pennsylvania fomite registration or switch it over to the country where they ‘re stationed. If registered in Pennsylvania, the annual reclamation in most cases can be completed on-line. All the forms you need are here .

Average Rates for Pennsylvania service members

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Car Insurance in Pennsylvania: What You Need to Know

All vehicle owners must provide proof of car indebtedness coverage to register a car or truck for legal road use in Pennsylvania. You need to carry proof with you on the road : either your policy ID poster, a digital interpretation on a mobile device or a copy of your policy .

Minimum Liability Insurance Requirements in Pennsylvania

Drivers in Pennsylvania have two choices for car indemnity : wax tort or limited tort. limited tort, besides known as no-fault indemnity, pays up no topic who causes an accident. however, it besides limits your rights to sue another driver for trouble and suffer ( except for catastrophic injuries ). With full-tort policy, you maintain your mighty to sue, but your premiums will be higher. Either way, you ‘ll have to buy liability coverage to cover the cost of injuries or damages in an accident. These are the state minimums : bodily injury :

  • $15,000 per person
  • $30,000 per accident

place damage :

  • $5,000

aesculapian Benefits :

  • $5,000

Uninsured and underinsured motorist indemnity is not required in Pennsylvania but is offered by all insurers. You must decline in writing if desired .

Alternatives to Insurance in Pennsylvania

The one alternative option available is self-insuring. To do so, you need to first show proof of fiscal responsibility to the Department of Transportation and then submit a deposit. This can be in the form of cash, a chemical bond, a letter of credit or an escrow sediment and the total required will vary .

How Much Coverage Do You Need in Pennsylvania?

The coverage amount needed depends on the car you ‘re driving and how much you can afford. If you get a fresh car loan or lease a fomite, you will likely have to buy collision and comprehensive policy to protect your car. The state of matter ’ s minimal requirements for liability indemnity wo n’t cover all of the damages in a catastrophic accident. The Insurance Information Institute recommends at least $ 100,000 liability coverage per wound and $ 300,000 per accident. Uninsured motorist indemnity is besides a smart purchase if you can afford it.

Cheapest Car Insurance in Pennsylvania by City

car indemnity costs in Pennsylvania vary significantly based on your location in the express. For the average driver, Pittsburgh ‘s full-coverage annual cable car indemnity pace of $ 973 is the lowest in the state. Allentown features the most expensive average annual indemnity quotation at $ 1,054. Click on your sphere for extra information on the cost of local car policy .

Average Insurance Rate by City in Pennsylvania

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  • City annually monthly
  • 1 .Allentown $ 1,054 $ 88
  • 2 .Philadelphia $ 2,134 $ 178
  • 3 .Pittsburgh $ 973 $ 81

FAQs About Car Insurance in Pennsylvania

For many Pennsylvania drivers, the main concerns when it comes to car insurance are the cost of premiums and the tied of coverage .

Based on average rates, USAA and GEICO have the bum car policy in Pennsylvania for minimal coverage .

The modal driver in Pennsylvania with a clean drive record typically pays an average of $ 1,818 per year. The median monetary value of car insurance in the state is approximately $ 152 per calendar month .

The best manner to keep your car indemnity rates low in Pennsylvania is to maintain a clean drive record and improve your citation history .

MoneyGeek ’ s research found that Travelers ranked as the best car insurance supplier in Pennsylvania.

Expert Advice on Finding Cheap Car Insurance in Pennsylvania

To help you find trustworthy and accurate insight on car indemnity in Pennsylvania, MoneyGeek gathered expert advice from established professionals. The views and sentiments expressed are those of the person subscriber .

  1. What are the key factors drivers in Pennsylvania should look for when searching for the best car indemnity coverage ?
  2. What steps can drivers in Pennsylvania take to find low-cost car indemnity ?
  3. How do regulations and rules in Pennsylvania impingement policy price and how consumers might shop for coverage ?

Archish MaharajaArchish Maharaja Archish Maharaja Professor of Business and Director of Graduate Programs at Point Park UniversityGary SullivanGary Sullivan Gary Sullivan Assistant Professor of the F. W. Hirt Erie Insurance Risk Management Program at Mercyhurst UniversityPhil Stuczynski, M.B.A.Phil Stuczynski, M.B.A. Phil Stuczynski, M.B.A. Lecturer in Business and Finance at Penn State Behrend

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guarantee you ‘re getting the best rate for your car policy. Compare quotes from the circus tent policy companies. widget-location-pin About the writerexpert-profileexpert-profile Danielle is a master journalist with fifteen years of experience covering current events from the 2008 fiscal crisis to the COVID-19 global economic recession. As a former television receiver news producer, she focuses on sharing relevant and actual stories that stimulate personal growth and cognition. Danielle graduated from the applaud University of Missouri School of Journalism with a focus in Broadcast Journalism. With six out-of-state moves and three home purchases under her belt, she has first-hand experience navigating state regulations, policy and real estate. She presently lives in Colorado with her husband and a greyhound named Oreo .

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