Travelers, Erie Insurance, Nationwide and State Farm are Pennsylvania’s best car insurance companies in 2024. This evaluation is based on a comprehensive analysis of the insurers’ annual car insurance rates, financial strength ratings and customer satisfaction scores.
Use our guide to find the right insurance company for your needs and budget. Navigate your insurance options in Pennsylvania with confidence to choose the best car insurance company.
Our takeTravelers stands out as the best overall car insurance company in Pennsylvania. With a strong financial rating (A++ from AM Best) and competitive rates, it offers an excellent balance of affordability and comprehensive coverage.
Travelers’s average annual car insurance cost is $952. Additionally, It received a J.D. Power score of 822/1,000 and an overall rating of 3.43 out of 5, the highest among the companies surveyed.
It is worth noting that Travelers has the lowest average car insurance premiums in our survey, at $952 a year.
Check out our experts’ recommendations for the best car insurance coverage
What are the best car insurance companies in Pennsylvania?
When it comes to finding the right car insurance, Pennsylvania drivers have many top-rated companies to choose from. Whether you’re looking for the best overall experience, the most affordable rates or exceptional customer service, there’s an insurer that meets your needs.
Here’s a breakdown of the best auto insurance companies in Pennsylvania by category.
| Category | Company |
|---|---|
| Best overall | Travelers |
| Most affordable | Travelers |
| Highest customer satisfaction | Erie Insurance |
| Best for teen | Erie Insurance |
| Best for young adults | Travelers |
| Best for adults | Travelers |
| Best for seniors | Travelers |
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Compare the best auto insurance companies in Pennsylvania
Comparing car insurance companies is important in finding the best policy that suits your specific requirements. Insurance rates can vary significantly from one company to another based on how they assess risk.
By comparing quotes, you can find affordable rates and potentially save money on your premiums. To make it easier, we’ve analyzed the best car insurance companies in Pennsylvania. The table below shows the best auto insurance providers for Pennsylvania drivers.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $952 | A++ | 822 | 0.49 | 3.43 |
| Erie Insurance | $1,550 | A+ | 863 | 0.61 | 3.41 |
| Nationwide | $1,196 | A+ | 820 | 0.64 | 2.99 |
| State Farm | $2,473 | A++ | 843 | 0.70 | 2.53 |
| Progressive | $2,193 | A+ | 814 | 0.65 | 2.44 |
| Geico | $2,308 | A++ | 818 | 0.91 | 2.42 |
| Westfield Insurance | $1,872 | A | 833 | 1.08 | 2.35 |
| Allstate | $2,503 | A+ | 825 | 0.65 | 2.28 |
Best car insurance companies by age group in Pennsylvania
As drivers age, their needs, driving habits and risk profiles change, influencing their car insurance rates and the types of coverage they need. Understanding which car insurance company caters best to your needs helps you make more informed decisions, potentially leading to better coverage and cost savings.
Select your age group and coverage level below to see the list of best car insurance companies and their annual average rates.
| Company | Annual rates | Customer satisfaction rating |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Check out our detailed guide on average car insurance rates by age group
Best for teen drivers in Pennsylvania
Insurance premiums are typically higher for teen drivers because of their increased risk and inexperience. According to the Centers for Disease Control and Prevention, teen drivers are more likely to misjudge or not notice risky situations than older drivers.
Teen drivers are also more likely to make serious mistakes that can lead to major accidents. In 2022, 2,883 teenagers between the ages of 13 and 19 lost their lives in car accidents, according to a report from the Insurance Institute for Highway Safety.
Finding insurance companies that offer competitive rates and benefits for teen drivers, like good student discounts, driver training discounts and accident forgiveness, can help manage these costs.
Erie Insurance stands out for its affordable rates for teen drivers. It offers car insurance at $4,327 per year.
To determine the best car insurance companies for teen drivers, we considered several factors to ensure a thorough evaluation. Each company’s overall score is based on a weighted analysis of four primary factors:
- The average annual full-coverage car insurance cost (25%)
- J.D. Power score (30%)
- AM Best rating (25%)
- NAIC rating (20%)
Each factor is given a specific percentage weight according to how well the companies performed in each category.
Based on our analysis, here are some of the top choices for teens aged 16-19:
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Erie Insurance | $4,327 | A+ | 863 | 0.61 | 3.46 |
| Travelers | $2,658 | A++ | 822 | 0.49 | 3.43 |
| Geico | $4,678 | A++ | 818 | 0.91 | 2.84 |
| Nationwide | $4,514 | A+ | 820 | 0.64 | 2.81 |
| State Farm | $7,791 | A++ | 843 | 0.7 | 2.51 |
| Progressive | $7,054 | A+ | 814 | 0.65 | 2.39 |
| Allstate | $7,670 | A+ | 825 | 0.65 | 2.3 |
| Westfield Insurance | $4,156 | A | 833 | 1.08 | 1.61 |
Best for young adults in Pennsylvania
Finding the right insurance is important for young drivers, who typically face higher insurance premiums due to their perceived risk.
Companies like Travelers and Erie Insurance offer competitive rates that are more affordable for younger drivers aged 20-24.
To compile our list of the best car insurance companies for young adults in 2024, we evaluated four factors: average annual full coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%). Each factor has been assigned a specific percentage weight to calculate overall performance.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $1,398 | A++ | 822 | 0.49 | 3.43 |
| Erie Insurance | $2,587 | A+ | 863 | 0.61 | 3.40 |
| Nationwide | $1,970 | A+ | 820 | 0.64 | 2.96 |
| Geico | $3,079 | A++ | 818 | 0.91 | 2.69 |
| State Farm | $4,394 | A++ | 843 | 0.70 | 2.51 |
| Allstate | $3,739 | A+ | 825 | 0.65 | 2.47 |
| Progressive | $3,968 | A+ | 814 | 0.65 | 2.38 |
| Westfield Insurance | $2,885 | A | 833 | 1.08 | 1.43 |
Best for adult drivers in Pennsylvania
For those aged 25 to 60, choosing car insurance means weighing factors such as coverage options, customer service and premium costs. These factors are important in finding the best insurer.
For adult drivers, Travelers is the best choice for car insurance in Pennsylvania. It provides full coverage at an average yearly cost of $954 and has an overall rating of 3.43, the highest among the companies analyzed.
We have considered four different factors to curate a list of the best car insurance companies for adult drivers. These factors consist of average annual full coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%).
Experienced drivers are generally considered low-risk compared to younger drivers. This age group typically benefits from lower insurance premiums due to their experience and lower accident rates.
Below is a list of the best insurance companies in Pennsylvania for adults aged 25-60 and annual premiums.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $954 | A++ | 822 | 0.49 | 3.43 |
| Erie Insurance | $1,564 | A+ | 863 | 0.61 | 3.41 |
| Nationwide | $1,175 | A+ | 820 | 0.64 | 3.01 |
| State Farm | $2,471 | A++ | 843 | 0.70 | 2.54 |
| Progressive | $2,247 | A+ | 814 | 0.65 | 2.42 |
| Geico | $2,342 | A++ | 818 | 0.91 | 2.42 |
| Allstate | $2,535 | A+ | 825 | 0.65 | 2.28 |
| Westfield Insurance | $1,936 | A | 833 | 1.08 | 1.32 |
Best for senior drivers in Pennsylvania
Travelers provides the most affordable car insurance for senior drivers with premiums as low as $902 per year.
Finding the best car insurance companies for senior drivers requires a detailed analysis of various important factors. The overall score for each insurer is based on a weighted analysis of four different factors: the average annual full-coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%), and NAIC rating (20%). The percentage weight assigned to each factor corresponds to its importance in determining an insurance provider’s financial strength, affordability, customer experience and complaint ratio.
Below are the best auto insurance companies in Pennsylvania for senior drivers aged 65-75.
| Company | Monthly cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $75 | A++ | 822 | 0.49 | 3.43 |
| Erie Insurance | $133 | A+ | 863 | 0.61 | 3.38 |
| Nationwide | $90 | A+ | 820 | 0.64 | 3.04 |
| State Farm | $196 | A++ | 843 | 0.70 | 2.61 |
| Geico | $184 | A++ | 818 | 0.91 | 2.49 |
| Progressive | $194 | A+ | 814 | 0.65 | 2.37 |
| Allstate | $212 | A+ | 825 | 0.65 | 2.28 |
| Westfield Insurance | $149 | A | 833 | 1.08 | 1.40 |
Learn more about how to shop for car insurance for seniors
Best overall car insurance company in state
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Selecting the right insurance company is heavily influenced by your driver profile. Here’s how to choose the best insurer to meet your specific needs:
For budget-conscious drivers in Pennsylvania
You should look for insurers that offer various car insurance discounts, such as safe driver discounts, multi-policy discounts or discounts for automatic payments, which can significantly lower your premiums. Many insurers also offer flexible payment options, such as monthly, quarterly or semi-annual plans, to help reduce the financial burden.
Here is a list of the best insurance companies and their annual premiums for various coverage levels.
| Company | State-minimum | Liability-only | Full coverage |
|---|---|---|---|
| Travelers | $243 | $340 | $952 |
| Nationwide | $350 | $404 | $1,196 |
| Erie Insurance | $263 | $354 | $1,550 |
| Westfield Insurance | $279 | $433 | $1,872 |
| Donegal Insurance | $252 | $346 | $1,913 |
| Progressive | $556 | $775 | $2,193 |
| Geico | $355 | $587 | $2,308 |
| State Farm | $447 | $578 | $2,473 |
| Allstate | $705 | $823 | $2,503 |
| USAA | $305 | $415 | $1,806 |
Notes:
- Full coverage car insurance limit is 100/300/100 with a $500 deductible.
- Liability-only car insurance limit is 50/100/50.
- State minimum car insurance is 15/30/5.
For high-risk drivers in Pennsylvania
If you’re a high-risk driver or someone with multiple traffic violations or DUIs on their record, look for insurers that specialize in high-risk policies. Focus on improving your driving record by attending a defensive driving course. These steps can help reduce your rates over time.
High-risk status isn’t permanent. As your driving record improves and your risk profile changes, regularly compare insurance rates and options.
| Company | 6-month cost | Annual cost |
|---|---|---|
| Travelers | $697 | $1,394 |
| Nationwide | $1,016 | $2,031 |
| Erie Insurance | $1,085 | $2,169 |
| Progressive | $1,373 | $2,745 |
| Allstate | $1,483 | $2,965 |
| State Farm | $1,839 | $3,677 |
| Geico | $1,862 | $3,724 |
| USAA | $1,089 | $2,178 |
By understanding their unique driver profiles and conducting thorough research, high-risk drivers can find insurance companies that best meet their needs.
In conversation with experts
CarInsurance.com editors interviewed James Brau, Joel C. Peterson, professor of finance at Brigham Young University. See his responses below.
How important is customer service when deciding the right car insurance company?
Customer service is critical – it should be one of the top factors consumers consider. All else equal, meaning similar premiums, coverage, riders, etc., customer service is often the deciding factor. If a customer gets to speak to a cheerful human without 10 minutes of robot phone trees, especially when stressed out after a wreck or theft, it makes life a lot better.
What are the key factors that consumers should consider when selecting a car insurance company in their state?
Customers should do research pertaining to coverage, premiums, reputation, how many stars on reviews, etc. Make sure to compare apples to apples – that you’re getting the same coverage amounts, for example. Shop around – competition helps the consumer.
How often should policyholders review and adjust their car insurance policies?
Every six months is a good rule of thumb because most people pay in semi-annual installments. If you keep your company on its toes, they are more likely to stay competitive and offer special pricing, deals, incentives, etc.
Frequently asked questions
What is the average cost of car insurance in Pennsylvania?
The average annual cost of car insurance in Pennsylvania is $1,872. This rate can vary depending on factors such as the driver’s age, driving history and coverage limits
How much car insurance coverage do I need in Pennsylvania?
When assessing your car insurance needs in Pennsylvania, consider the state’s legal requirements. Typically, the minimum coverage required in Pennsylvania consists of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 in property damage liability.
If you have valuable assets to safeguard, it’s wise to go beyond Pennsylvania’s minimum requirements and opt for higher liability limits. Experts suggest getting full coverage car insurance with limits of 100/300/100 and a $500 deductible for collision/comprehensive.
Here’s what it means:
- $100,000 in bodily injury liability per person pays for injuries you cause to others in an accident.
- $300,000 in bodily injury liability per accident will cover injuries per accident, covering costs if multiple people are injured.
- $100,000 in property damage liability per accident covers damage you cause to another driver’s property in an at-fault accident.
Opting for higher limits is advisable as they provide increased protection against financial losses. When choosing coverage limits, also take into account your driving habits, the value of your vehicle and your finances.
Which company has the best car insurance rates in Pennsylvania?
CarInsurance.com’s analysis shows that Travelers offers the lowest car insurance rates for Pennsylvania drivers, with an average premium of $79 per month or $952 per year.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Fatality Facts 2022 Teenagers.” Accessed September 2024.
- Centers for Disease Control and Prevention. “Risk Factors for Teen Drivers.” Accessed September 2024.
- National Safety Council. “Age of Driver.” Accessed September 2024.
Methodology
CarInsurance.com collected insurance rate data from Quadrant Information Services for Pennsylvania drivers. The rate data is for drivers of different age groups:
- Teens: Age 16-19
- Young adults: Age 20-24
- Adults: 25- 60
- Seniors: 60-75
The different coverage levels include:
- Annual full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- A six-month car insurance policy with limits of 100/300/100-500 coll/comp deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 15/30/5.
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old male and female driver with the following incidents applied:
- 1 at-fault property damage accident over $2K
- 1 at-fault property damage accident under $2K
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 mph over limit
- Speeding ticket 11-29 mph over limit
The editors created a rating system to determine the best insurance companies in each sector. For auto insurers, we took the following and gave each a weight.
- Average annual cost: 25%
- J.D. Power score: 30%
- AM Best rating: 25%
Each insurer was awarded an overall rating of 0.5 to 5. No insurer in our overall rating received less than 1 rating and 5 was the most any insurer could receive.
To evaluate the rates, we have compared 51,088,003 insurance quotes from 167 national & regional insurance companies across 29,152 cities and 34,588 ZIP codes.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
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.
Ask the Insurance Expert
Leslie Kasperowicz
Executive 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.
Ask the Insurance Expert
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