The cheapest car insurance in Pennsylvania costs $79 per month for a full coverage policy from Travelers. That’s a $77 savings from the average cost of insurance in the state, which is $156 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.
- 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 auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Pennsylvania. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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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Pennsylvania drivers who pay lower insurance premiums
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 9% less than single drivers.
- Pennsylvania drivers with clean records pay 37% less than drivers who have a DUI on their records.
- 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
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
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 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 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 |
|---|---|
| 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 policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and 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 | $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.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $378 more annually in Pennsylvania than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Pennsylvania
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 companies in Pennsylvania after an at-fault accident
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.
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 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.
In Pennsylvania, Boiling Springs stands out as the city with the lowest auto insurance rates, at an average of $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 car insurance in Pennsylvania?
If you compare car insurance quotes, you could enjoy an annual saving of around 49% on a full coverage policy in Pennsylvania.
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
In Pennsylvania, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Pennsylvania below.
| 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 |
Final thoughts on cheap car 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.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Pennsylvania is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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 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.
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John McCormick
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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
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.
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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