Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 6, 2021

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Compare RatesStart Now → licensed agents did a comparison study of the cheapest car insurance companies in Pennsylvania and found Erie Insurance ($330 per year) provides the cheapest insurance for state minimum coverage.

And Erie ($1,154 per year) provides the most affordable insurance coverage option for Pennsylvania drivers with full coverage insurance policies

Affordable Pennsylvania Car Insurance Rates

Drivers in Pennsylvania have several options to choose from when looking for affordable and reliable car insurance companies.

Cheapest Car Insurance in Pennsylvania - Key Takeaways
AutoInsureSavings.orgThe cheapest Pennsylvania car insurance options are:

Cheapest for minimum coverage: Erie Insurance
Cheapest for full coverage: Erie
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: Erie
Cheapest after a DUI: State Farm
Cheapest for poor credit history: Nationwide
Cheapest for young drivers: Erie
For younger drivers with a speeding violation: Erie
For younger drivers with an at-fault accident: Erie
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This excellent Pennsylvania auto insurance guide will help you find the best car insurance premiums and save money for drivers in various categories and age groups. 

Cheapest auto insurance premiums in Pennsylvania with Erie, Auto-Owners, and State Farm compared with average rates.

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Cheapest Car Insurance in Pennsylvania for Minimum Coverage

Our licensed insurance agents found Erie Insurance offers the cheapest rates for minimum coverage car insurance in Pennsylvania for drivers with good driving records with a $330 yearly quote or $27 monthly rate during our comparison shopping analysis.

The average Pennsylvania state minimum rate is $556 per year, and Erie’s quote is $226 cheaper or 41% less expensive than average rates.  

CompanyAverage annual rate
State Farm$414
Penn National$614
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*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.

While drivers in Pennsylvania can enjoy lower insurance rates by taking out a minimum coverage policy, you may not have all the coverage you need to cover the cost of repairs if your motor vehicle is involved in a severe crash.

Therefore, it is good to compare the rates with multiple car insurance providers with full coverage policies in Pennsylvania that offer first-party coverage above state requirements, which pays to replace or repair your vehicle in an accident.

Cheapest Full Coverage Car Insurance For Drivers in Pennsylvania

Our agents found Erie offers the cheapest auto insurance option with a quote at $1,154 per year or $96 per month for affordable full coverage rates.

Erie’s rate is 32% less expensive than Pennsylvania‘s average rate of $1,680 annually or $526 less per year.

InsurerAnnual costMonthly cost
State Farm$1,190$99
Pennsylvania average$1,680$140
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The average cost for full coverage auto insurance for drivers in Pennsylvania is $1,680 annually or $140 per month. The difference between the average price of minimum coverage and a policy with comprehensive and collision insurance in Pennsylvania is $1,124.

Although full coverage is more expensive than a basic insurance policy, the amount you can save over time with comprehensive and collision coverage can help make up the difference since you won’t pay for your vehicle’s property damage from inclement weather or vandalism out of pocket.

Cheapest Car Insurance Coverage in Pennsylvania with Speeding Tickets

Pennsylvania drivers with a speeding ticket in their driving history can save 35% with Erie Insurance, which has average annual premium costs of $1,265 per year.

We found Erie’s rate is $669 cheaper than Pennsylvania‘s mean speeding violation rate of $1,934 annually.

InsurerAnnual costMonthly cost
State Farm$1,433$119
Pennsylvania average$1,934$161
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In Pennsylvania, drivers pay an average of $1,934 annually for their car insurance or a 14% rate increase if they have traffic tickets on their driving records.

Therefore, it is good to choose an insurance company that offers the lowest rates for drivers with speeding tickets, even if you do not currently have one on your driving record.

Cheapest Car Insurance with an Auto Accident in Pennsylvania

Drivers needing coverage in Pennsylvania with one at-fault car accident on their driving records can get cheaper auto insurance with State Farm, which provided our agents a $1,769 yearly rate or 30% less expensive than Pennsylvania‘s average accident rate for full coverage.

Our agents suggest comparing insurance quotes with Erie and GEICO to find the best rates since their quotes are 14% cheaper for an at-fault accident in Pennsylvania.

InsurerAnnual costMonthly cost
State Farm$1,769$147
Pennsylvania average$2,511$209
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We found the average cost of coverage can increase by 34% in Pennsylvania with an at-fault accident during analysis.

The average insurance premium difference for a driver with a clean driving history than a driver with one accident is $831 per year.

Cheapest Car Insurance With a DUI in Pennsylvania

State Farm offers the cheapest DUI coverage rates for drivers in Pennsylvania with a $1,980 annual premium or $165 per month during our rate analysis.

State Farm’s rate is 30% less expensive than Pennsylvania‘s average car insurance premiums for a driver with a DUI in their driving history.

InsurerAnnual costMonthly cost
State Farm$1,980$165
Pennsylvania average$2,813$234
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Drivers who receive a DUI conviction in Pennsylvania can expect their insurance to go up by as much as 41% annually, along with a temporary driver’s license suspension or a required ignition interlock device (IID) installed in their motor vehicle.

According to the Pennsylvania Department of Transportation (PENNDOT), drivers who take a defensive driving course or Pennsylvania’s Accelerated Rehabilitative Disposition Program could lower insurance costs by 25% after a DUI violation and have the offense wiped clean from their driving record. 

Cheapest Car Insurance for Drivers With Poor Credit in Pennsylvania

Drivers in Pennsylvania with bad credit can find the cheapest auto insurance with Nationwide, with an annual $1,894 rate for full coverage. Nationwide’s rate is 21% less expensive than the state average of $2,386.

Additional car insurance companies with better than average rates for drivers with poor credit are GEICO and State Farm.

Both auto insurers offer monthly rates at $170 and $189 for a 30-year-old driver or 6% lower than average. 

InsurerAnnual costMonthly cost
State Farm$2,273$189
Pennsylvania average$2,386$198
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The average cost of car insurance for drivers in Pennsylvania with a poor credit score is $2,386 per year, or 30% higher than drivers with a good credit score. Car insurance companies will often look at your credit report’s details to determine what your insurance rate should be. Make sure to pay your credit cards, student loans, and bills on time to keep car insurance rates low. 

Cheapest Car Insurance Coverage in Pennsylvania for Young Drivers

During our insurance agent’s comparison analysis, young Pennsylvania drivers or college students with good driving records can find the cheapest minimum liability auto insurance with Erie Insurance with a $2,765 full coverage rate.

Young driver’s next best option is State Farm for full coverage, which provided our agents a $3,033 per year rate

InsurerFull coverageMinimum coverage
State Farm$3,033$1,167
Pennsylvania average$4,543$1,611
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*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.

Young or teen drivers looking for the most affordable minimum coverage auto policy should go with Erie Insurance, which provided us an $893 quote or 44% lower than Pennsylvania‘s average of $1,611 per year.

Additional auto insurers offering cheaper than average minimum coverage rates for young drivers in Pennsylvania are State Farm and GEICO, with quotes at $1,167 and $1,451 or at least 11% cheaper. 

Young or adolescent drivers have higher car insurance rates in Pennsylvania due to their lack of experience and a higher risk of being involved in a car accident. According to PENNDOT, vehicle crashes are the leading cause of death among 16 – 24-year-old drivers in Pennsylvania.

One of the best ways for younger drivers to get cheaper auto insurance rates is by adding a young or teen driver to their parent’s policy. 

According to the Pennsylvania Insurance Department, the average household’s car insurance bill rose by 116% when adding an inexperienced driver to an adult policy, compared to a 183% increase when a young person has their own insurance policy in Pennsylvania.

Cheapest Car Insurance for Young Drivers with Speeding Tickets

With a speeding violation in their driver history, younger drivers in Pennsylvania should look to Erie for cheap auto insurance.

Erie’s annual rate of $3,027 per year or $252 per month is 40% cheaper than the average $4,970 rate for full coverage in Pennsylvania.

InsurerAnnual costMonthly cost
Erie Insurance$3,027$252
Pennsylvania average$4,970$414
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Cheapest Car Insurance for Young Drivers with an At-Fault Accident

The cheapest auto insurance coverage for younger drivers with one at-fault accident in Pennsylvania is Erie, which provided our agents a $276 monthly rate for full coverage or 40% less expensive than the state average. 

The next cheapest insurance option is GEICO, with a $390 monthly rate or 16% less expensive than the average at-fault accident rate for younger people. 

InsurerAnnual costMonthly cost
Erie Insurance$3,312$276
State Farm$4,940$411
Pennsylvania average$5,530$460
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Best Auto Insurance Companies in Pennsylvania

Our licensed agent’s research found USAA and Nationwide are car insurance companies in Pennsylvania offering some of the best full coverage auto insurance rates with quality customer service and sound financial strength ratings for various Pennsylvania drivers.

Suppose you want to find the best car insurance company with customer service and claims handling. In that case, Nationwide is the best option where 77% of customers are satisfied with a recent claim, according to ValuePenguin’s recent survey.  

Company% respondents extremely satisfied with recent claim% respondents rated customer service as excellent
State Farm75%46%
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We used the National Association of Insurance Commissioners (NAIC) complaint index to find the best auto insurer in an alternative approach.

The car insurance company with the lowest complaint index ratio in Pennsylvania is Progressive with 0.42, with 1.00 being the national average. Allstate’s ratio is 0.63, well below the national average, and Nationwide’s is 0.64.

Progressive has an 856 out of 1,000 ratings with J.D. Power’s claims satisfaction survey. Still, they have an “A+” financial strength ratings with A.M. Best, while Allstate has an “A+” financial strength ratings and an 876 J.D. Power claims satisfaction ratings.

If you are shopping for the cheapest car insurance in Pennsylvania with quality coverage and excellent customer service, we recommend either Nationwide or Progressive. 

InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
State Farm0.66881A++
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*NAIC complaint ratio index, the lower the number, the better. Progressive has an index of 0.42 complaints based on market share, while Allstate’s is 0.63. Both car insurers are well below the national average of 1.00.

Average Car Insurance Cost by City in Pennsylvania licensed agents surveyed multiple insurance companies across most Pennsylvania cities and found the average cost of Pennsylvania car insurance is $1,680 per year.

Your zip code in Pennsylvania is a significant factor that can influence your car insurance rates, along with your credit score, driver profile, marital status, type of motor vehicle, and coverage levels.

Cheapest Auto Insurance in Philadelphia, PA licensed agents found Auto-Owners is the cheapest car insurance company for drivers in Philadelphia. They provided us a $1,415 per year rate for full coverage, 26% less expensive than Philadelphia’s yearly average rate of $1,906.

Philadelphia CompanyAverage Premium
Penn National$1,712
Philadelphia average$1,906
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Cheapest Auto Insurance in Pittsburgh, PA

Pittsburgh drivers can find the cheapest full coverage insurance policy with Erie, which provided our agents a $1,460 per year rate for our sample 30-year-old. Erie’s insurance quote is 24% cheaper than average car insurance rates for similar driver profiles in Pittsburgh PA. 

Pittsburgh CompanyAverage Premium
Penn National$1,871
Pittsburgh average$1,911
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Cheapest Auto Insurance in Allentown, PA

Drivers in Allentown, PA can find cheap auto insurance policies with GEICO, which provided us a $1,319 per year rate for our sample 30-year-old driver with full coverage. GEICO’s quote is 30% cheaper than Allentown’s $1,875 average rates.

Allentown CompanyAverage Premium
Penn National$1,421
Allentown average$1,875
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Cheapest Auto Insurance in Erie, PA

Erie residents looking for the best auto insurance policies should get quotes from State Farm, which provided our insurance agents a $1,276 per year rate for a 30-year-old driver with $100,000 in liability insurance and a $500 deductible for collision and comprehensive.

State Farm’s car insurance quote is $491 less per year than Erie’s average annual rate of $1,766.

Erie CompanyAverage Premium
State Farm$1,276
Penn National$1,469
Erie average$1,767
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Cheapest Auto Insurance in Reading, PA

Our agents found the cheapest auto insurance in Reading, PA is with Erie, with a $1,300 per year rate for a full coverage policy with $500 deductibles for comprehensive and collision insurance. Erie’s quote is 30% less expensive than Reading’s $1,836 average rates. 

Reading CompanyAverage Premium
Penn National$1,671
Reading average$1,836
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Cheapest Auto Insurance in Scranton, PA

Scranton drivers can find the cheapest car insurance with Auto-Owners, which provided our agents a $1,417 per year rate with $100,000 in liability insurance and $500 deductibles for collision and comprehensive insurance. Auto-Owners’ $118 monthly rate is 31% less expensive than Scranton’s $2,030 average rates. 

Scranton CompanyAverage Premium
Penn National$1,661
Scranton average$2,030
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Average Car Insurance Cost for All Cities in Pennsylvania

CityAnnual Premium CostCityAnnual Premium Cost
Erie$1,767South Middleton$1,592
Reading $1,836Lower Salford$1,700
Upper Darby$1,916Upper Southampton$1,735
Bensalem$2,039North Fayette$1,570
Lancaster $2,054Washington $1,694
Lower Merion$1,865Warwick$1,570
Bethlehem $1,906Franklin $1,633
Bristol $1,924North Strabane$1,678
Lower Paxton$1,704Derry $1,907
Middletown$1,787East Norriton$1,592
Altoona$1,917Salisbury $1,748
State College$1,633Ephrata$1,796
Penn Hills$2,043Nether Providence$1,612
Hempfield $1,768Robinson$1,704
Manheim $1,917Adams$1,768
Northampton$1,694Washington $1,810
Norristown$1,704South Park$1,836
Chester$1,620Newtown $1,768
Falls$1,678Indiana $1,633
Lower Makefield$1,796Franconia$1,678
Warminster$1,845Richland $1,694
Mount Lebanon$1,836Sharon$1,850
Lower Macungie$1,612Lower Moreland$1,796
Bethel Park$1,817Coatesville$1,748
Cranberry$1,796Butler $1,768
Ross$1,633Elizabeth $1,570
North Huntingdon$1,694Spring Garden$1,620
Upper Merion$1,570West Bradford$1,678
York $1,620New Hanover$1,612
Monroeville$1,592New Kensington$1,748
Spring$1,817St. Marys$1,694
Whitehall $1,858Logan$1,704
Plum$1,633Somerset $1,768
Easton$1,678North Union$1,570
Springettsbury$1,612New Garden$1,620
Lower Providence$1,810Lower Pottsgrove$1,633
Horsham$1,694Richland $1,836
Upper Dublin$1,748Rapho$1,592
Montgomery $1,850North Lebanon$1,612
Lebanon$1,836West Deer$1,678
Exeter$1,592East Whiteland$1,895
Derry$1,704North Middleton$1,694
Susquehanna $1,735Upper Uwchlan$1,735
Hazleton$1,570Lower Gwynedd$1,810
East Hempfield$1,620Hanover $1,704
Springfield $1,694Elizabethtown$1,810
Upper Macungie$1,748Richland$1,612
Upper Moreland$1,796Salisbury$1,892
Upper Providence $1,850New Britain $1,748
Marple$1,633Lower Burrell$1,620
West Goshen$1,704Jefferson Hills$1,694
Unity$1,735Hamilton $1,810
New Castle$1,836Rostraver$1,592
Peters $1,612Mount Joy $1,704
Dover $1,633Loyalsock$1,570
East Pennsboro$1,768Willistown$1,735
 Manor $1,850Hanover $1,633
Buckingham$1,678Lower Saucon$1,592
West Chester$1,633Lansdowne$1,694
Upper Allen$1,796Easttown$1,735
West Mifflin$1,704East Cocalico$1,810
Bethlehem$1,612Mount Pleasant $1,748
South Whitehall$1,768Douglass $1,612
Upper St. Clair$1,836Upper Providence$1,620
Springfield $1,570Lehigh $1,810
Newtown $1,592Worcester$1,768
Johnstown$1,694South Union$1,633
Penn $1,735Columbia $1,678
Lower Allen$1,748West Hanover$1,620
McKeesport$1,850Ephrata $1,796
Whitpain$1,866East Stroudsburg$1,748
Lower Southampton$1,735Coal$1,810
Warwick $1,796Lehman $1,592
Limerick$1,620Fairview $1,570
Uwchlan$1,748Berwick $1,899
West Manchester$1,810Milford$1,915
West Whiteland$1,694North Versailles$1,678
Manchester $1,768East Bradford$1,735
Towamencin$1,620South Lebanon$1,612
Hampton$1,678Northampton $1,836
East Goshen$1,704Oil $1,910
Windsor $1,592Uniontown$1,850
Whitemarsh$1,735Butler $1,748
Concord $1,570Plains$1,678
Greene $1,836Penn $1,694
Hatfield $1,810Penn Forest$1,713
Plymouth $1,678Bristol$1,620
Doylestown $1,694Hazle$1,796
Fairview $1,612Sunbury$1,850
Harborcreek$1,850South Strabane$1,768
Silver Spring$1,620Maidencreek$1,704
Lancaster $1,855Brentwood$1,810
East Lampeter$1,850Lititz$1,850
Upper Chichester$1,748Moore$1,592
Phoenixville$1,704Middletown $1,678
Upper Saucon$1,850Darby $1,620
Lansdale$1,694Lock Haven$1,796
Butler $1,612Dallas $1,796
West Hempfield$1,796Warren $1,836
Penn $1,768Economy$1,934
North Whitehall$1,836Bethel $1,612
Middletown $1,678Perkiomen$1,713
West Lampeter$1,620West Caln$1,810
Upper Gwynedd$1,903Marshall$1,678
Patton $1,570North Codorus$1,748
White $1,704Mechanicsburg$1,592
Middle Smithfield$1,810Aliquippa$1,863
Newberry$1,836East Nottingham$1,620
Hermitage$1,678Upper Leacock$1,704
West Norriton$1,748South Abington$1,796
South Fayette$1,713O'Hara$1,694
Hanover $1,612Hamilton $1,765
Antrim$1,694Jackson $1,570
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Pennsylvania Minimum Auto Insurance Requirements

Drivers in Pennsylvania for vehicle registration must have bodily injury and property damage liability coverage, including medical benefits coverage (MedPay) requirements, to be legal and compliant with state requirements and law. If you buy an auto insurance policy, below are the minimum coverage limits you must have for Pennsylvania state law.

Liability insuranceMinimum requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 per accident
Medical Benefits Coverage (MedPay)$5,000 per person
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Buying a minimum coverage policy is the most affordable and cheapest insurance option; however, if you are involved in an auto accident, a state minimum insurance policy will not cover property damage to your car.

AutoInsureSavings licensed agents recommend policyholders in the Keystone State increase liability limits and adding uninsured motorist coverage when buying insurance products for additional financial and asset protection.  

Frequently Asked Questions

Who has the Cheapest Car Insurance in Pennsylvania?

Erie offers the most affordable car insurance rates for those wanting minimum coverage in Pennsylvania, with an annual rate of $330 or $27 per month for 30-year-olds with a good driving record. Erie’s rate is 41% less expensive than the state average of $556. USAA offers state minimum coverage at $264 per year or $22 per month for those who qualify.

How Much is Car Insurance in Pennsylvania per Month?

The average cost of car insurance in Pennsylvania is $46 per month for those who want minimum coverage and $140 per month for people with a clean driving record needing full coverage policies. Insurance companies that offer rates less than that per month include Erie, Auto-Owners, and State Farm. 

How Much Is Full Coverage Car Insurance in Pennsylvania?

The average cost of full coverage Pennsylvania car insurance is $1,680 per year or $140 per month, including Medical Benefits Coverage. The following insurance companies offer cheaper rates than the state’s average: Erie at $1,154, State Farm at $1,190, and GEICO at $1,347 per year for a 30-year-old driver.

How do I Save on Car Insurance in Pennsylvania?

It is best to compare auto insurance quotes with the same coverage level in Pennsylvania from several top insurance companies to find the most affordable rates. Asking your agent or insurance company about money-saving discounts or usage-based insurance can help you lower your overall insurance costs, such as a safe driver or multi-policy discounts from life, rental, or home insurance policies. Keeping an eye on your credit report and maintaining safe driving habits can help you save money on your Pennsylvania auto insurance.

To learn more about the most affordable car insurance options in Pennsylvania, enter your zip code in our quote comparison tool or get expert advice at Our licensed insurance professionals will be happy to answer any questions you have.

Methodology comparison shopping study used a full-coverage auto policy with a clean driving record for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability $50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision coverage$500 deductible

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We used rates for drivers with an accident history, credit score, and marital status for other Pennsylvania rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.


– National Highway Traffic Safety Administration. “Motor Vehicle Crashes: Overview.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– PennDOT Driver & Vehicle Services. “Vehicle Self Insurance.”
– Pennsylvania Insurance Department. “Auto Insurance.”
– Pennsylvania Insurance Department. “Auto Guide.”