Cheapest car insurance for high-risk drivers in Pennsylvania
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Pennsylvania is Travelers, followed by Allstate and State Farm.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Travelers | $1,576 | $131 |
| Allstate | $1,626 | $136 |
| State Farm | $1,640 | $137 |
| Erie Insurance | $1,721 | $143 |
| Nationwide | $1,775 | $148 |
| Progressive | $2,020 | $168 |
| Geico | $2,118 | $177 |
| Auto-Owners | $2,202 | $184 |
| USAA | $1,744 | $145 |
Average rates for high-risk drivers in Pennsylvania by driving record
Average cost of car insurance in Pennsylvania for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Travelers | $1,378 |
| Nationwide | $1,474 |
| State Farm | $1,536 |
| Erie Insurance | $1,643 |
| Auto-Owners | $1,913 |
| Allstate | $1,940 |
| USAA | $2,213 |
| Geico | $2,221 |
| Progressive | $2,547 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Pennsylvania for a driver with a DUI is State Farm with an average annual of $1,418 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,418 | $118 |
| Travelers | $1,446 | $121 |
| Erie Insurance | $1,939 | $162 |
| Progressive | $2,001 | $167 |
| Nationwide | $2,275 | $190 |
| Geico | $2,654 | $221 |
| Auto-Owners | $3,446 | $287 |
| USAA | $2,022 | $169 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Pennsylvania, the cheapest car insurance with multiple tickets is from Travelers. It offers full coverage insurance at $1,273 per year or $106 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Travelers | $1,273 | $106 |
| Erie Insurance | $1,347 | $112 |
| Auto-Owners | $1,408 | $117 |
| State Farm | $1,418 | $118 |
| Nationwide | $1,627 | $136 |
| Progressive | $1,658 | $138 |
| Geico | $1,826 | $152 |
| USAA | $1,682 | $140 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Pennsylvania, Erie Insurance offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,347 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Erie Insurance | $1,347 | $112 |
| State Farm | $1,418 | $118 |
| Travelers | $1,446 | $121 |
| Geico | $1,840 | $153 |
| Nationwide | $2,275 | $190 |
| Progressive | $2,362 | $197 |
| Auto-Owners | $3,446 | $287 |
| USAA | $1,895 | $158 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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