- Average cost of car insurance in Pennsylvania
- Best car insurance companies in Pennsylvania
- Cheapest car insurance companies in Pennsylvania
- Cheapest car insurance cost in Pennsylvania by age
- Cheapest car insurance companies in Pennsylvania by driver profile
- Compare auto insurance rates by city in Pennsylvania
- Methodology
- Compare auto insurance rates with other states
Average cost of car insurance in Pennsylvania
The average car insurance rate in Pennsylvania is $1,872 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Pennsylvania is $375.
Best car insurance companies in Pennsylvania
Travelers is the best car insurance company in Pennsylvania, based on an analysis by Insurance.com, with an overall rating of 3.43. Erie Insurance is the second-best auto insurance company in Pennsylvania with an overall rating of 3.41.
Below is a list of the top Pennsylvania insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Average Annual Premium |
|---|---|---|---|---|---|
| Travelers | A++ | 822 | 0.49 | 3.43 | $952 |
| Erie Insurance | A+ | 863 | 0.61 | 3.41 | $1,550 |
| Nationwide | A+ | 820 | 0.64 | 2.99 | $1,196 |
| State Farm | A++ | 843 | 0.7 | 2.53 | $2,473 |
| Progressive | A+ | 814 | 0.65 | 2.44 | $2,193 |
| Geico | A++ | 818 | 0.91 | 2.42 | $2,308 |
| Westfield Insurance | A | 833 | 1.08 | 2.35 | $1,872 |
| Allstate | A+ | 825 | 0.65 | 2.28 | $2,503 |
Cheapest car insurance companies in Pennsylvania
Comparison shopping is the key to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Pennsylvania and compiled a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Travelers is the cheapest auto insurance company in Pennsylvania with average rates of $952 annually or $79 a month on average.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $243 | $340 | $952 |
| Nationwide | $350 | $404 | $1,196 |
| Erie Insurance | $263 | $354 | $1,550 |
| USAA* | $305 | $415 | $1,806 |
| Westfield Insurance | $279 | $433 | $1,872 |
| Donegal | $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 offers car insurance only to military members, veterans and their families.
Cheapest car insurance cost in Pennsylvania by age
In Pennsylvania, car insurance rates are higher for teenagers (16- to 19-year-olds) as they are more prone to accidents due to their lack of experience on the road.
Travelers offers the cheapest car insurance for teen drivers in Pennsylvania at $2,658 per year for full coverage policy.
In Pennsylvania, Travelers offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $954 per year and $902 per year, respectively.
| Age | Company | Average annual premium |
|---|---|---|
| Teens (16-19) | Travelers | $2,658 |
| Teens (16-19) | Westfield Insurance | $4,156 |
| Teens (16-19) | Erie Insurance | $4,327 |
| Teens (16-19) | Nationwide | $4,514 |
| Teens (16-19) | Geico | $4,678 |
| Teens (16-19) | USAA* | $5,924 |
| Teens (16-19) | Progressive | $7,054 |
| Teens (16-19) | Donegal | $7,322 |
| Teens (16-19) | Allstate | $7,670 |
| Teens (16-19) | State Farm | $7,791 |
| Young Adults (20-24) | Travelers | $1,398 |
| Young Adults (20-24) | Nationwide | $1,970 |
| Young Adults (20-24) | Erie Insurance | $2,587 |
| Young Adults (20-24) | USAA* | $2,875 |
| Young Adults (20-24) | Westfield Insurance | $2,885 |
| Young Adults (20-24) | Geico | $3,079 |
| Young Adults (20-24) | Allstate | $3,739 |
| Young Adults (20-24) | Progressive | $3,968 |
| Young Adults (20-24) | Donegal | $4,200 |
| Young Adults (20-24) | State Farm | $4,394 |
| Adults (25-60) | Travelers | $954 |
| Adults (25-60) | Nationwide | $1,175 |
| Adults (25-60) | Erie Insurance | $1,564 |
| Adults (25-60) | USAA* | $1,853 |
| Adults (25-60) | Donegal | $1,926 |
| Adults (25-60) | Westfield Insurance | $1,936 |
| Adults (25-60) | Progressive | $2,247 |
| Adults (25-60) | Geico | $2,342 |
| Adults (25-60) | State Farm | $2,471 |
| Adults (25-60) | Allstate | $2,535 |
| Seniors (65-75) | Travelers | $902 |
| Seniors (65-75) | Nationwide | $1,079 |
| Seniors (65-75) | Erie Insurance | $1,600 |
| Seniors (65-75) | Westfield Insurance | $1,782 |
| Seniors (65-75) | USAA* | $1,796 |
| Seniors (65-75) | Donegal | $2,098 |
| Seniors (65-75) | Geico | $2,210 |
| Seniors (65-75) | Progressive | $2,332 |
| Seniors (65-75) | State Farm | $2,355 |
| Seniors (65-75) | Allstate | $2,544 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Pennsylvania by driver profile
Accidents and tickets can negatively affect car insurance rates. Drivers with accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a minor accident may see a smaller increase in their rates than those with multiple major accidents.
Below are average Pennsylvania rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| Nationwide | $891 | $1,476 | $1,612 |
| Travelers | $1,008 | $1,460 | $1,334 |
| Erie Insurance | $1,253 | $1,643 | $1,421 |
| State Farm | $1,300 | $1,477 | $1,418 |
| Geico | $1,333 | $2,291 | $1,969 |
| Auto-Owners | $1,337 | $2,153 | $1,577 |
| Allstate | $1,447 | $1,928 | $1,481 |
| USAA* | $1,505 | $2,294 | $1,814 |
| Progressive | $1,600 | $2,451 | $1,851 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Pennsylvania
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Pennsylvania.
| City | Annual insurance premium |
|---|---|
Brookhaven | $2,238 |
Derry | $1,856 |
Philadelphia | $2,782 |
Pittsburgh | $1,933 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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