Cheapest car insurance for high-risk drivers in Pennsylvania

Which company has the cheapest car insurance in Pennsylvania for a bad driving record?

Travelers, Erie Insurance and Nationwide offer some of the cheapest rates for drivers with poor driving records in Pennsylvania. Among them, Travelers has the lowest average premium at $1,462 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Travelers	$952	$1,462
Erie Insurance	$1,550	$2,315
Nationwide	$1,196	$2,357
Progressive	$2,193	$3,188
GEICO	$2,308	$3,711
State Farm	$2,473	$3,948
Allstate	$2,503	$4,177
USAA	$1,806	$2,152

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How much is high-risk car insurance in Pennsylvania?

The average cost of high-risk car insurance in Pennsylvania is $3,036 annually. However, some insurers offer rates far below the state average, with premiums starting around $1,462 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

Average annual car insurance rate for At-fault bodily injury accident in Pennsylvania, PA is $3,205

Show Graph View

Company	Annual premium for clean record	Annual premium after violation
Travelers	$952	$1,250
Nationwide	$1,196	$1,961
Erie Insurance	$1,550	$2,115
USAA	$1,806	$2,662
State Farm	$2,473	$2,865
Progressive	$2,193	$3,379
Allstate	$2,503	$3,513
GEICO	$2,308	$3,708

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Average annual rate

People ask

Who is considered a high-risk driver in Pennsylvania?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Pennsylvania after a DUI?

Travelers has the cheapest average DUI insurance rates in Pennsylvania at $1,347 annually.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Pennsylvania.

Company	Average annual premium for clean record	Annual premium for a DUI
Travelers	$952	$1,347
Erie Insurance	$1,550	$2,498
Progressive	$2,193	$2,645
State Farm	$2,473	$2,646
Nationwide	$1,196	$3,010
GEICO	$2,308	$3,852
USAA	$1,806	$2,425

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What is the cheapest car insurance in Pennsylvania with multiple tickets?

Travelers offers the lowest average rates for drivers with multiple traffic tickets at $1,160 annually or $97 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Pennsylvania drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Travelers	$952	$1,160
Erie Insurance	$1,550	$1,733
Nationwide	$1,196	$2,160
State Farm	$2,473	$2,646
GEICO	$2,308	$3,541
USAA	$1,806	$2,022

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Expert's Insight Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Pennsylvania?

Travelers provides the cheapest average reckless driving insurance rates in Pennsylvania at $1,347 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Travelers	$952	$1,347
Erie Insurance	$1,550	$2,498
State Farm	$2,473	$2,646
Nationwide	$1,196	$3,010
Progressive	$2,193	$3,132
GEICO	$2,308	$3,596
USAA	$1,806	$2,271

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Pennsylvania?

Nationwide has the cheapest average rates for drivers with poor credit in Pennsylvania at $1,642 annually or $137 monthly.

Your credit score may affect your insurance rates, even though it is unrelated to your driving skills. Insurers often charge higher premiums to drivers with lower credit scores because they are statistically more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Pennsylvania.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,196	$1,642
Travelers	$952	$2,600
Erie Insurance	$1,550	$3,694
Progressive	$2,193	$3,788
Allstate	$2,503	$4,177
GEICO	$2,308	$4,194
State Farm	$2,473	$10,456

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What company has the cheapest car insurance in Pennsylvania after an accident?

Travelers has the cheapest average rates after an accident at $1,241 per year. Nationwide also offers lower-than-average rates at $1,961 annually.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Travelers	$952	$1,241	$1,524
Nationwide	$1,196	$1,961	$2,735
Erie Insurance	$1,550	$1,988	$2,115
State Farm	$2,473	$2,792	$2,865
Progressive	$2,193	$3,379	$3,970
Allstate	$2,503	$3,513	$4,813
GEICO	$2,308	$3,708	$5,441
USAA	$1,806	$2,662	$3,910

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is the cheapest for high-risk car insurance in Pennsylvania?

York has the cheapest average high-risk car insurance rates in Pennsylvania at $2,687 annually. In comparison, Philadelphia has the highest average premiums at $4,521 per year.

Where you live in Pennsylvania matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
York	$1,647	$2,687
Farrell	$1,752	$2,816
Nanticoke	$1,745	$2,821
Lancaster	$1,763	$2,875
West Mifflin	$1,795	$2,904
Easton	$1,820	$2,955
Derry	$1,856	$2,975
Pittsburgh	$1,933	$3,129
Brookhaven	$2,238	$3,662
Philadelphia	$2,782	$4,521

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How can high-risk drivers lower their car insurance rates in Pennsylvania?

High-risk drivers in Pennsylvania can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

People ask

How long are you considered a high-risk driver in Pennsylvania?

Three years is common, but how long you are considered a high-risk driver in Pennsylvaniadepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Pennsylvania

Can high-risk drivers get full coverage car insurance in Pennsylvania?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Pennsylvania?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.