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Pennsylvania Car Insurance Minimum Requirements & Best Price Comparison of Insurers for a Cheaper Premium

If you are looking for Pennsylvania car insurance rates you have come to the right place.

All you have to do is enter your five digit zip code at the top of the page and you can get low cost quotes from top insurers in your area. The process takes less than a couple of minutes.

Lowest premium prices for 30 to 55 y/o drivers in PA.

If you would like to do a little research then we have provided the minimum coverage required, the average coverage per driver, fines and penalties for driving without coverage, and other interesting facts you may not know about Pennsylvania.

Minimum Requirements in Pennsylvania

CoveragePennsylvania Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$15,000 / $30,000$100,000 / $300,000
Property Damage$5,000$50,000
Uninsured Motorist*$15,000 / $30,000$100,000 / $300,000
Underinsured Motorist BIL*$15,000 / $30,000$100,000 / $300,000
Medical Expenses$5,000 limit$5,000 limit
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/A$250 deductible

*Note: In Pennsylvania you may request to reject the uninsured and underinsured motorist coverages.

Cheapest premium prices by carrier for 30 y/o driver.

Who has the Cheapest Insurance in Pennsylvania?

Below is a table list of the cheapest insurers from the cheapest to the most costly.

Overall the least expensive carrier in Pennsylvania is Erie. With quotes 14% to 22% lower than the “mean” quote in the state.

The second best option is with Harleysville. When I did my queries for quotes they were 14% to 20% lower than the average premium.

Followed by Amica, Donegal Mutual, and Auto-Owners. All three insurers were at least 12% lower than the average premium per age group.

CompanyAvg. Annual Rate 25 Y/O Driver30 Y/O Driver 40 Y/O Driver 45 Y/O Driver55 Y/O Driver
Erie$1,098$898$768$597$489
Harleysville$1,112$902$788$600$490
Amica$1,143$915$793$599$505
Donegal Mutual$1,165$923$804$611$523
Auto-Owners$1,214$965$799$612$554
Atlantic States$1,243$970$868$622$587
State Farm$1,324$1,008$798$624$543
General Casualty$1,311$1,012$805$631$590
State Auto$1,367$1,015$911$644$600
Allied$1,363$1,054$903$645$610
Allstate$1,378$1,087$845$650$615
National General$1,354$1,090$907$690$625
The Hartford$1,401$1,100$967$725$632
Mutual Benefit Group$1,578$1,121$1,008$738$676
American Independent$1,632$1,198$1,067$748$698
Motorists Mutual$1,678$1,254$1,123$800$709
Safe Auto$1,689$1,289$1,096$845$699
Sentry$1,754$1,376$1,129$869$729
Cal Casualty$1,512$1,287$976$827$719

Note: The table is primarily ranked for a 25 year old driver and not a 40 year old. Most of the more established insurers may give lower quotes for older drivers.

No-Fault Policy

The state of PA has implemented a “no-fault” policy for drivers which helps to keep the cost of insurance charges down and to lower the amount of court action lawsuits by other no-fault drivers.

There are constraints to the no-fault policy when the expenses surpass a set amount then the driver may held accountable for the damaged caused during the accident.

Least expensive policy prices by insurer for 40 y/o drivers.

Bodily Injury Liability

The minimum cover is $15,000 for injuries to a single person and up to $30,000 for multiple passengers concerned in the accident.

These are the minimum requirements for the state, but the maximum the insurer will pay.

Property Damage Liability

The minimum cover is $5,000 for repairs to any property which may have been damage in the accident.

These items are places of business, stop signs, or traffic lights. This cover will pay up to the maximum amount for the other driver’s automobile.

In insurance terms, the minimum cover is 15/30/5 which the numbers are always represented by thousands and are the same as mentioned above respectfully.

Cheapest premium prices for 45 male and female drivers.

Medical Expenses

The state of PA requires drivers to have a minimum amount of medical coverage benefits in the amount of $5,000 which will cover for any injuries you may have incurred during the accident and to any of your passengers.

It is important to note many drivers get only the minimum cover if they have a health insurance policy, but you would want to consult with your health and/or broker to be sure your health coverage plan will extend to all the passengers.

If your health coverage doesn’t then you may want to increase the limit of medical cover on your policy.

affordable policy choices for 55 male and female drivers in Pennsylvania

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

Below I have provided a list of top carriers and the approximate rate change over a 12 to 18 month period.

Included are the amount of written premiums, complaints, and consumer rating.

The insurers with the highest written premium will have more complaints than those who don’t. The is normal.

The percentage rate change is normal. Unless you have a serious driving violation then your rate can change significantly.

The consumer ratings are from JD Power & Associates, AM Best, and other online consumer ratings. Thus giving the average here.

CompanyWritten PremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Travelers$217,555,311+2.2%574.5
Liberty Mutual$216,366,021+2.0%334.4
USAA$186,256,433+1,8%404.6
GEICO$362,769,132+3.6%2114.4
Progressive$421,844,233+2.0%1434.3
Erie$1,032,769,685 +3.1%2874.0
Farmers$122,587,443 +2.3%544.4
State Farm$1,312,343,422+2.0%3274.3
Hartford$211,438,217+2.2%494.2
Nationwide$753,262,705+2.4%1984.2
Allstate$612,778,324+2.2%2994.3
Penn National $89,742,801 +2.7%524.1
Ameriprise$59,549,672 +2.8%634.0
MetLife$71,222,548 +3.7%324.2

The Average amount of Coverage per Driver

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Uninsured Motorist Protection – 100,000/300,000

  • Medical Expense Cover – $5,000

  • Comprehensive Coverage – $100 deductible

  • Collision Coverage – $500 deductible

  • Medical Payment Cover – $0

Fines and Penalties – Driving without Insurance

  • Registration suspended for three months

  • License suspended for three months

  • Minimum fine of $300

  • Restoration fees to restore your license and registration

  • Vehicle impounded

  • If convicted, you are required to turn over you license, registration, and stickers to PennDOT.

Pennsylvania has not implement an electronic scanning of plate by the police or sheriffs. You have to commit a moving or traffic violation before the police can ask for proof of insurance.

 PenaltyCost
Fine - Driving Uninsured$300
Driving PrivilegeSuspended for three months$88
Vehicle RegistrationSuspended for three months*$88

*Suspension waived if you choose to pay a $500 civil penalty

If you do not have proof of insurance during the time of an accident your vehicle will impounded on the spot. 

Top Insurers Offering Discounts

Below is a list of discount offered by insurance firms. Be sure to ask about them. And as illustrated by the graph you can get a 20 percent or more of a discount.

CompanyGood DriverMulti-PolicyLow MileageMulti-VehicleSafety Features
Erie
Harleysville
Amica
Donegal Mutual
Auto-Owners
Atlantic States
State Farm
General Casualty
State Auto
Allied

As illustrated, the biggest discounts are for those with a clean driving history. Although the discounts are 5 to 12 percent it can add up giving you a nice discount on your policy.

Best discounts for car insurance in Pennsylvania.

Pennsylvania Avg Compared to National

Typically Pennsylvania has been below the national average. If your rate is unusually high you might want to check your driver history, credit, or any other determining factors which could raise your premium.

Comparing national average to Pennsylvania car insurance average.

Average Premium by City

Below is the average premium by city. Most of the prices in the list are below average since the list contains less populated cities.

If you would like to see a detailed comparison of the most populated cities then read further below.

CityAvg. PremiumPopulationCityPopulationAvg. Premium
Abbottstown$8541,017Hermitage16,220$912
Akron$8463,876Jeannette9,654$943
Altoona$90246,320Johnstown20,978$976
Arnold$1,0325,157Kingston13,182$983
Beaver$9124,531Latrobe8,338$832
Berwyn$95610,477Lebanon25,477$812
Bradford$9488,770Lemont2,270$894
Butler$93213,757Lemoyne4,553$1,076
Carbondale$1,0568,891McKeesport19,731$816
Chester$85433,972Meadville13,388$1,123
Clarksville$867230Milton7,042$902
Coatesville$91113,100Monroeville28,386$910
Colmar$900738Nanticoke10,465$935
Conway$9792,176New Albany356$1,065
DuBois$9997,794New Kensington13,116$864
Dunmore$94314,057Oakdale1,459$879
Easton$94426,800Parkesburg3,593$848
Eau Claire$979316Pennsburg3,843

$1,101
Fallston$1,005266Philipsburg2,770$1,096
Franklin$8756,545Pittston7,739$987
Greensburg$83214,892Plymouth5,951$818
Harrisburg$85449,528Saegertown997$962
Hazleton$89925,340Wilkes-Barre41,498$1,001

Philadelphia

Philadelphia cheapest premium prices for male and female drivers.

Company30 Y/O 45 Y/O 55 Y/O
Erie$1,243$965$653
Harleysville$1,255$987$678
Auto-Owners$1,287$990$700
Donegal Mutual$1,325$1,055$699
State Farm$1,456$1,098$725
General Casualty$1,558$1,132$821

Pittsburgh

Pittsburgh low-cost policy choices for 30 to 55 y/o drivers.

Pittsburgh Company30 Y/O 45 Y/O 55 Y/O
Erie$1,132$811$578
General Casualty$1,187$825$590
Harleysville$1,200$855$600
Atlantic States$1,212$896$628
Donegal Mutual$1,287$905$688
Auto-Owners$1,354$929$708

Allentown

Allentown lowest auto policy prices for male and female drivers.

Allentown Company30 Y/O 45 Y/O 55 Y/O
Erie$1,045$768$508
General Casualty$1,087$799$512
Harleysville$1,125$800$525
Atlantic States$1,176$812$543
Donegal Mutual$1,200$854$587
Auto-Owners$1,287$879$622

Erie

Erie, PA low-cost policies by carriers for 30 to 55 y/o.

Erie Company30 Y/O 45 Y/O 55 Y/O
Harleysville$980$768$511
Erie$1,009$780$509
General Casualty$1,023$805$532
Auto-Owners$1,086$855$548
Atlantic States$1,125$879$587
Donegal Mutual$1,200$906$616

Reading

Reading, pa low-cost premium choices for male and female drivers.

Reading Company30 Y/O 45 Y/O55 Y/O
Erie$1,243$985$665
Harleysville$1,255$1,009$675
General Casualty$1,280$1,043$690
Atlantic States$1,330$1,045$705
Hartford$1,386$1,087$725
Donegal Mutual$1,438$1,132$789

Scranton

Scranton cheap premium prices for drivers.

Scranton Company30 Y/O 45 Y/O 55 Y/O
Erie$1,101$911$691
Auto-Owners$1,132$924$690
General Casualty$1,165$967$708
Atlantic States$1,254$1,002$744
Hartford$1,300$1,032$765
State Farm$1,330$1,086$789

Bethlehem

Bethlehem, PA least expensive premium prices for female and male drivers

Bethlehem Company30 Y/O 45 Y/O 55 Y/O
Erie$987$711$523
Atlantic States$1,032$731$545
General Casualty$1,089$745$569
Hartford$1,131$785$580
Donegal Mutual$1,167$821$621
State Farm$1,204$838$642

Lancaster

Lancaster policy prices compared by insurer.

Lancaster Company30 Y/O 45 Y/O 55 Y/O
Erie$911$674$498
Atlantic States$925$680$521
Harleysville$985$699$564
Hartford$1,008$709$579
General Casualty$1,055$727$569
State Farm$1,123$785$590

Levittown

Levittown, PA cheapest premium prices for 30 to 55 y/o drivers.

Levittown Company30 Y/O 45 Y/O 55 Y/O
General Casualty$899$690$496
Erie$915$703$512
Atlantic States$928$723$525
Harleysville$969$754$545
State Farm$1,008$780$576
Hartford$1,044$798$593

Harrisburg

Harrisburg lowest premium choices for male and female drivers.

Harrisburg Company30 Y/O 45 Y/O 55 Y/O
General Casualty$854$678$470
Erie$989$690$487
Harleysville$1,054$722$521
Atlantic States$1,098$754$543
Hartford$1,100$780$565
State Farm$1,145$815$587
Final Thoughts

At Autoinsuresavings we are committed to helping drivers getting the lowest auto insurance rates in PA whether you live in Wilkes Barre, Williamsport, Easton, or Lebanon.

Once you have entered your zip code you will receive auto insurance quotes from top insurers then you are on your way to savings hundreds of dollars over the next couple of years.

Once you have found a policy which fits your needs be sure to go over the details with an agent or broker.

Sources
Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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