5 Best Cheap Car Insurance Companies: Pennsylvania (2022)

Advertiser disclosure While cable car policy is mandatary much across the nation, the specific requirements concerning what needs to be covered deviate from state to state. To help you find bang-up, low-cost car insurance in Pennsylvania, we ’ ve researched the best car insurance providers and compiled our research into this guide. We are going to go over all the Pennsylvania car insurance requirements, discuss what makes the state unique a far as drive goes, and ultimately recommend our top choices in the Keystone State. Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance caller you choose, factors such as your age, fomite make and model, and driving history can affect your bounty, so what ’ randomness best for your neighbor might not be best for you.

Use our tool below to start comparing personalized cable car insurance quotes. In this article:

Cheapest Car Insurance In Pennsylvania

According to our rate estimates, Geico is the cheapest car insurance in Pennsylvania with average rates of $ 1,135 for annual full coverage. After that, Nationwide and Erie both provide cheap car policy in Pennsylvania.

Car Insurance Provider Average Annual Cost Estimate
Geico $1,135
Nationwide $1,229
Erie Insurance $1,295
Penn National Insurance $1,337
USAA $1,492
State Farm $1,499

What Is The Average Cost Of Pennsylvania Car Insurance?

According to the National Association of Insurance Commissioners ( NAIC ), the cost of Pennsylvania car insurance was $ 991 in 2018, while the national average was $ 1,057. here ’ s a closer expression at the cost of indebtedness, collision, and comprehensive car policy in Pennsylvania :

Type of Insurance Average Premium in 2018
Liability coverage $555
Collision coverage $376
Comprehensive coverage $169
Total average expenditure $991

*Most drivers carry liability coverage but not inevitably other types of car policy. total average annual outgo measures what Pennsylvania drivers actually spent on car indemnity in 2018.

Annual Pennsylvania Car Insurance Estimates By Age

According to our price estimates, a 24-year-old driver may pay 60 percentage more for car insurance than a 35-year-old driver in Pennsylvania.

Age Pennsylvania Annual Car Insurance
24 $2,310
35 $1,447

Annual Pennsylvania Car Insurance Estimates For Drivers With Bad Credit

In Pennsylvania, your cable car indemnity rates can increase by about 18 percentage for having a carnival accredit score. however, if you have a poor score, your rates can increase by 70 percentage.

Credit Rating Pennsylvania Annual Car Insurance
Good $1,447
Fair $1,704
Poor $2,465

Annual Pennsylvania Car Insurance Estimates For Bad Drivers

If you do n’t have a clean drive read, expect to pay more for Pennsylvania indemnity. A speeding ticket can make your rates for car indemnity in Pennsylvania addition by 16 percentage, while a DUI can make them increase by 72 percentage.

Driving Record Pennsylvania Annual Car Insurance
Clean $1,447
Speeding Ticket $1,679
At-Fault Accident $2,277
DUI $2,493

The 5 Best Pennsylvania Car Insurance Providers

You have options for low-cost car insurance in Pennsylvania. In fact, you may feel like you have excessively many options. To help save you clock and effort, we have found the top five choices for car insurance providers in Pennsylvania. All of them performed well in our research of the best car insurance companies, where we ranked providers on the play along :

  • Financial strength
  • Availability
  • Customer service
  • Cost
  • Coverage
  • Technology

overall, we think Erie Insurance is the best choice for Pennsylvania car indemnity because of its reputation for quick claims and first gear average monetary value. *Not all providers were included in our pace estimates for each state. besides, you may notice that some car indemnity companies are listed above those with higher star ratings. This is because our ratings take into score countrywide factors, while our ranking for this article looks specifically at what insurance providers are best for cable car indemnity in Pennsylvania.

#1 Erie Auto Insurance

Our top recommendation for Pennsylvania car insurance is Erie car indemnity. It provides a wide range of coverage options and abject prices for Pennsylvania drivers. Most drivers in other states can ’ deoxythymidine monophosphate receive coverage from Erie, but Pennsylvania residents lucked out. respective customers rave about the support received. here ’ s what a customer had to say.

“ Erie has been my car policy provider for since I got my first car and has been my parents before me for 30+ years. We have had nothing but positive things to say about Erie and their customer avail. My syndicate has been hit several times over the end decades and has had some run-ins with the frigid North East weather. Erie has always taken care of everything for us and kept us well informed. They besides have constantly had the best measure for dollar/coverage around. I have had more than one rival salesman hangup when they hear I have Erie. ” -Christopher L. via BBB

Erie besides performed well in the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM and the 2021 U.S. Auto Insurance StudySM in the middle atlantic region. It besides ranked third among mid-size insurers in the 2021 U.S. Insurance Shopping StudySM. Erie has an A+ Better Business Bureau ( BBB ) rate and an A+ from AM Best for fiscal military capability. here are some singular policy options available through Erie car indemnity for Pennsylvania.

  • Rate lock: With this protection, your insurance rates are locked in until you add/remove drivers or add/remove vehicles.
  • Diminishing deductible: Every year that you don’t file a claim, you receive a lower deductible by $100. This occurs until you reach the $500 limit.
  • Accident forgiveness: There is no additional surcharge after an at-fault accident, as long as you’ve been an Erie customer for at least three years.
  • Pet injury coverage: Receive up to $500 for pet veterinary care if it was injured during an accident.
  • New car protection: If your car is 24 months old or newer and is declared a total loss, Erie replaces it with a new model instead.
  • Better car protection: If the car is 24 months old or newer and is declared a total loss, Erie pays for a model two years newer or pays off the auto loan.
  • Rental car coverage: This plan is included with comprehensive coverage, but you can pay extra to add upgrades such as an SUV instead of a sedan or for luxury cars.

If you are shopping cable car indemnity quotes, it makes sense to add Erie to the list of providers you check out.

Pros Cons
A+ rat from the BBB and A+ military rank in fiscal strength from AM Best Mixed customer service reviews during claims process
High customer satisfaction  
Comprehensive coverage options  
Variety of auto insurance discounts  

To learn more about the car policy supplier, check out our review of Erie car insurance.

#2 State Farm Car Insurance

state of matter grow cable car policy is the largest and most popular cable car insurance company in the United States, and with dear reason : The provider offers reasonable rates, a large assortment of rewards programs, a variety of coverage options, and good customer service. Being a dependable indemnity supplier starts with having a potent fiscal back, which makes it easy to cover claims, and State Farm excels on this front. State Farm received the highest fiscal force fink potential from AM Best : an A++. The supplier offers a huge align of coverage options ranging from standard coverage to age-old and sports cable car coverage. Its lease and travel coverage is particularly noteworthy. not alone will State Farm reimburse you for the price of a rental car if your car is undrivable for 24 hours or more, but the company will besides pay for the cost of lodging, meals, and transportation system if you ’ re stranded at least 50 miles from base. other luminary programs include the Steer Clear platform, which provides discounts to drivers under 25 who complete a State Farm driving run and have not had accidents in the past three years. It besides has a advantage program specifically for teens arsenic well as a scholar discount, which makes it a bang-up choice for both newly and younger drivers. In fact, we rated State Farm the best policy company for students and one of the top three best providers for teens. Customer service is besides quite good with State Farm. We found that State Farm had fewer than the medial numeral of complaints for an indemnity ship’s company of its size. unfortunately, although we are generally quite impress with State Farm ’ mho plans, we weren ’ thyroxine felicitous with the miss of an accident forgiveness program, which is a fairly standard feature.

Pros Cons
Largest auto insurer in the country available in 48 states Reported errors with autopay
Many discounts for teens and students Not taking new customers in Massachusetts or Rhode Island
Positive customer reviews Higher rates than some competitors
Easy online quotes process  
Superior financial strength rating  

To learn more about the car indemnity provider, check out our review of State Farm car indemnity.

#3 Geico Car Insurance

Geico is the second most popular car policy provider in the United States and another adept option for Pennsylvanians. We awarded Geico 4.5 out of 5.0 stars and have ranked it as one of the best choices for students and military personnel. financially, Geico is a very firm company, which means you ’ re more probable to get claims covered when you submit them. The company has an A++ fiscal lastingness rat from AM Best, and it wrote over $ 33 billion in premiums in 2020. Clearly, Geico has the fiscal wherewithal to fulfill claims, and unlike some smaller companies, it is a better commercial enterprise decision on the company ’ s partially to ensure customer satisfaction than it is to pinch pennies. Geico ’ second premiums average a bit higher than State Farm ’ mho, but it is still very fair and much cheaper than most other providers we reviewed. Geico is very tech-centric, making it promptly and easy to get a quote, purchase a policy, or file a claim on-line. This, coupled with the handiness of local Geico agents, is probable one of the chief reasons for its high customer satisfaction. In fact, according to a 2017 study by Alan Newman Research, 97 percentage of Geico customers reported they were satisfied with their service. Geico besides provides a issue of discounts to its customers including :

  • Senior discount
  • Federal employee discount
  • Emergency deployment discount
  • Military discount
  • Student discount
  • Member and employee discounts
  • Anti-theft system discount
  • Good driver discount for drivers who are accident-free for 5 consecutive years
  • Multi-vehicle discount
  • Multi-policy discount

unfortunately, there is no discount rate for hybrid or electric vehicles, and a depleted accredit score may increase your premium in some cases. That said, Geico ’ s great customer service, good coverage, fair rates, and numerous discounts make it a winner in our book.

Pros Cons
Superior financial strength rating and A+ rating from the BBB Average quotes experience
Many choices for coverage  
High level of customer satisfaction  
Available in 50 states  

To learn more about the car indemnity supplier, check out our review of Geico car insurance.

#4 Amica Mutual

Amica Mutual is another highly rated policy supplier for Pennsylvania drivers. According to a J.D. Power Customer Satisfaction StudySM, Amica received a 5.0 out of 5.0 rate for its Pennsylvania policies. We besides gave the policy provider a 4.0-star rat in our review. The company received an A+ fiscal forte rate from AM Best, indicating Amica Mutual ‘s superior ability to pay out customer claims. According to the caller ‘s president, the insurance company ‘s premiums totaled $ 2.4 billion in 2019. While this is decidedly a smaller calculate than Geico ‘s or State Farm ‘s annual premiums, it ‘s calm goodly among small indemnity companies. Amica offers an upgrade plan with its six standard coverage options called Platinum Choice Auto®. It includes :

  • Prestige Rental Coverage: Covers payment for whatever rental car is most similar to your own, regardless of the model
  • Identity Fraud Monitoring: Monitors your credit files and personal information to guard against identity fraud
  • Full Glass Coverage: No deductible for any needed glass repairs as well as a lifetime guarantee on any glasswork
  • Accident Forgiveness: Reduces your deductible or lowers your premium cost after your first accident based on an Amica Good Driving rewards program

Amica besides offers low-cost rates and an array of discounts to drivers, including :

  • Loyalty discount
  • Multi-Line discount
  • Claim-Free discount
  • Multiple Auto discount
  • Homeowner discount
  • Family discount
  • Paid in full discount
  • Autopay discount
  • E-Discount

however, Amica Mutual may not be the best option for new, adolescent, or bad Pennsylvania drivers based on customer reports.

Pros Cons
A+ rating from the BBB Does not cover many young or high-risk drivers
Superior financial strength rating from AM Best No rideshare coverage
Great customer service reviews  
Reliable app for account management  
24/7 quotes with real representatives  
Affordable rates  

To learn more about the car indemnity supplier, check out our revue of Amica Mutual indemnity.

#5 Penn National Insurance

Headquartered in Harrisburg, Pennsylvania, Penn National is a locally-focused policy company for Pennsylvania drivers. The company sells policies to six states through independent agents, and it ‘s known for its helpful customer military service representatives and low numbers of customer complaints. AM Best gave Penn National an A- fiscal forte fink, which is considered “ excellent. ” The insurance company has maintained this rat since 2007. The Better Business Bureau ( BBB ) gave Penn National an A+ rat for its ability to efficaciously handle customer needs, complaints, and queries. We like Penn National for its respectability among customers. Smaller indemnity companies tend to have a better customer service traverse read, and that rings true in Penn National ‘s encase. According to the National Association of Insurance Commissioners ( NAIC ), the company receives far fewer annual customer complaints than average. The insurance company is besides known for its affordability. here are a few of the discounts the caller offers :

  • Bundling home and auto
  • Passive restraints
  • Daytime running lights
  • Anti-lock brakes
  • Good student
  • Student away at school
  • Driver’s education course
  • Multi-vehicle
  • Pay in full
Pros Cons
A+ rat from the BBB and A- fiscal force fink from AM Best Limited state availability
Low number of complaints Must purchase through independent agents
Various discounts available  
App to access and manage account  

To learn more about the car indemnity provider, check out our review of Penn National Insurance. record your nothing code in the creature below to collect and compare cable car indemnity quotes from providers available in Pennsylvania :

Pennsylvania Car Insurance Law

car indemnity requirements are set at the state horizontal surface, which means that each state gets to decide for itself what is and international relations and security network ’ t required. Almost every express requires drivers to take out car policy to some degree, except for Arizona and Virginia, which waive the car policy requirements in specific cases. To understand what ’ south required for Pennsylvania cable car policy, we ’ ll first need to clarify what the different types of car insurance are. There are six types of car insurance you ’ ll want to be aware of :

  • Liability coverage: Coverage for any injuries and damages you cause to other drivers and vehicles, as well as the fees for your legal defense
  • Comprehensive coverage: Coverage for non-collision damages such as theft, vandalism, storms, etc.
  • Collision coverage: Coverage for collision-related damages to your vehicle, regardless of who is at fault
  • Personal injury protection: Coverage for medical payments and occasionally lost wages because of an automobile accident
  • Uninsured/underinsured motorist coverage: Coverage for accidents with an uninsured or underinsured driver
  • Medical payments coverage: Coverage for the medical expenses of everyone that was injured in your vehicle

Each state picks and chooses which of these six types of policy coverages are required, angstrom well as the minimum monetary come you need to be covered for. Based on what ’ s required, the average price of car indemnity will increase or decrease depending on what state you ’ re in.

What Are The Requirements For Pennsylvania Car Insurance?

Pennsylvania requires all motorists to take out three types of insurance. These requirements are referred to as fiscal responsibility laws. The minimum requirements are :

  • Property damage liability: $5,000
  • Bodily injury liability: $15,000/$30,000
  • Medical benefits: $5,000

The number to the right indicates the minimum monetary sum you must be covered for. So, in Pennsylvania, your indemnity must cover you for at least $ 15,000 in place damage indebtedness before you get on the road, for case. In the case of bodily injury liability, Pennsylvania stipulates two minimums : one for a single person, $ 15,000, and a second for everyone in the accident, $ 30,000. Pennsylvania is a no-fault department of state, which means that no matter who caused an accident, the policy will cover the driver ’ s aesculapian bills. Motorists in Pennsylvania can besides purchase broad tort indemnity, which allows them to sue the at-fault driver if an accident happen. however, while these are the minimum requirements, it ’ mho broadly recommended that you take out more comprehensive coverage. serious accidents can well surpass these minimum coverage amounts and leave you in serious perturb if you can ’ metric ton afford the overindulgence that your insurance company won ’ thyroxine embrace. For example, if you stuck with the minimal coverage and caused $ 30,000 of bodily injury to person, you ’ d calm be on the bait for $ 15,000. Motorists who drive without minimal policy may be subject to :

  • A minimum $300 fine
  • Impoundment of your car
  • A three-month license suspension

How Does Pennsylvania Car Insurance Compare To Other States?

Pennsylvania is fairly centrist when it comes to their car policy requirements – some states, like New Jersey, have significantly more minimum coverage requirements, while others, like New Hampshire, have army for the liberation of rwanda fewer.

What Is It Like Driving In Pennsylvania?

The minimum coverage requirements aren ’ t the only thing that affect the average car indemnity premiums across different states. Statistics like the average issue of miles driven and the frequency of accidents besides affect your premium. It makes sense – a high accident rate coupled with a longer average casual driving distance significantly increases the risk of indemnity companies having to file a claim. Pennsylvanians drive less than the average american english. While the average american puts about 13,500 miles on their car each year, according to the U.S. Department of Transportation Federal Highway Administration, Pennsylvanians drive about 12,500 miles per year. even though this international relations and security network ’ t a particularly bad difference, it can add up over the life of a vehicle. Some experts estimate that repairs and maintenance cost about $ 0.26 per mile, so over 10 years, the average american will spend $ 35,100 on sustenance, but the average pennsylvanian will spend only $ 32,500. Pennsylvanians are known for rush, with most drivers traveling about 10 miles over the speed limit on average. furthermore, Pennsylvania is a largely rural country, and rural areas tend to have more serious accidents due to the higher speeds and greater distance from medical facilities, according to the Insurance Institute for Highway Safety. Although lone 36 percentage of miles traveled in Pennsylvania in 2015 were in rural areas, accidents in those lapp areas accounted for over 50 percentage of all crashes. rural driving besides brings along a unique set of issues. In Pennsylvania, drivers must know how to safely pass an amish balmy and constantly be on the lookout for deer and other rampantly animals that could jump out into the road. Pennsylvania presently has reasonably lax laws regarding distracted driving. While in most states hand-held devices are not allowed to be used while driving, menstruation, in Pennsylvania, you can use phones and early hand-held gadgets so long as you aren ’ thyroxine texting. All these risks in Pennsylvania raise the average agio in the express.

Final Thoughts

To recap, we recommend Erie as the best car indemnity in Pennsylvania, followed by State Farm and Geico. What you pay for insurance depends on many factors in your situation. Compare as many companies as you can to find the best choice. To see how your specific location in Pennsylvania will affect your premium, enter your zip code code :

Frequently Asked Questions About Pennsylvania Car Insurance

How much is car insurance in Pennsylvania ? According to the NAIC, the average annual cost of car insurance in Pennsylvania was $ 961.40 in 2017, while the national average was $ 1,004.68. It should be noted that the cost of car insurance in Pennsylvania varies based on your provider, floor of coverage, vehicle, senesce, and driving history. Who has the cheapest car policy in Pennsylvania ? Throughout our research, we found Erie Insurance had the cheapest car policy in Pennsylvania. State Farm came in second place, with a slenderly higher modal annual bounty, and Geico came in third. How much is car indemnity per calendar month in Pennsylvania ? The average annual price of car insurance in Pennsylvania is $ 961.40, so by dividing that number by 12, we found that the average monthly cost of car indemnity in the state is $ 80.12. Does Pennsylvania require car indemnity ?

Pennsylvania requires all drivers to have car insurance. The mandate coverages are bodily injury indebtedness, medical benefits, and place price indebtedness.

Methodology

In an attempt to provide accurate and unbiased information to consumers, our expert reappraisal team collects data from dozens of car policy providers to formulate rankings of the best insurers. Companies receive a score in each of the follow categories, equally well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

Read our early indemnity articles :

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