Geico had the cheapest Pennsylvania car insurance rates among companies surveyed by Insurance.com. A full coverage Geico policy with a $500 deductible costs $1,122 a year, or $94 a month for drivers buying car insurance in Pennsylvania. That’s nearly $580 less than the state auto insurance average of $1,700, according to a rate analysis by Insurance.com.
Minimum liability auto insurance from Geico for Pennsylvania drivers comes in at $301 per year, or $25 a month, about $200 less than the state average of $502.
- Cheapest car insurance in Pennsylvania: Geico
- Which companies have cheap Pennsylvania car insurance?
- Cheapest car insurance in Pennsylvania by age
- Best car insurance companies in Pennsylvania
- Affordable car insurance in Pennsylvania
- Average car insurance cost in Pennsylvania by city
- How to save on car insurance in Pennsylvania
- Pennsylvania car insurance laws and FAQs
Cheapest car insurance in Pennsylvania: Geico
Car insurance costs vary based on your age, location, driving record, vehicle, credit score and more. The average is $502 for minimum coverage and $1,700 for full car insurance, but your rates may be more — or less — based on the factors mentioned.
Average drivers with no serious accidents and a decent credit score have the best shot of finding cheap car insurance in Pennsylvania. Here’s how car insurance companies in Pennsylvania compare on price:
Which companies have cheap Pennsylvania car insurance?
Cheapest for drivers with an accident: Geico
Being at fault in an accident will likely increase your car insurance premium, unless your carrier provides accident forgiveness. The amount your insurance goes up depends on the severity of the accident and the amount of the damages. GEICO has the lowest average annual premium, with State Farm close behind.
Cheapest Pennsylvania car insurance for drivers with an accident
| Company | One at-fault property damage accident over $2K | Two at-fault property damage accident over $2k | One at-fault bodily injury accident |
|---|---|---|---|
| GEICO | $901 | $1,957 | $901 |
| State Farm | $1,120 | $1,909 | $1,120 |
| Progressive | $1,608 | $2,905 | $1,608 |
| Nationwide | $2,329 | $3,041 | $2,329 |
| Allstate | $2,467 | $3,614 | $2,467 |
Cheapest car insurance for drivers with a speeding ticket: Geico
Speeding tickets mark you as a higher risk driver with your insurance company. Getting pulled over for driving too fast will increase your premiums at renewal time —and the higher cost because of the violation will last three years. A speeding ticket can cost you as much as $1,421 per year more between the lowest and highest annual premium in the table. Below you’ll see Pennsylvania car insurance quotes for drivers with speeding tickets.
Cheapest for drivers with a DUI: Geico
Drivers with a previous driving under the influence charge face higher insurance premiums in Pennsylvania. Comparison shopping Pennsylvania car insurance quotes can save you big — the difference in cost, based on the companies that rank in the top four cheapest car insurance companies for the states, is as much as $2,048 per year.
Cheapest for drivers with bad credit: Geico
Having bad credit is practically worse than having previous accidents or a DUI. There isn’t much you can do if you have a poor credit score, except work at improving it. Until you manage to raise your credit score, GEICO is by far, the cheapest car insurance company on average for drivers with bad credit. Take a look at how the cheapest car insurance companies in Pennsylvania compare:
Cheapest car insurance in Pennsylvania by age
Geico and Erie had the cheapest car insurance, among those surveyed, for drivers age 18 to 75. Here are the cheapest auto insurance rates by age for full coverage, based on an Insurance.com analysis.
| Age | Company | Average rate |
|---|---|---|
| 18 | Geico | $2,566 |
| 20 | Geico | $1,952 |
| 25 | Geico | $1,173 |
| 30 | Geico | $1,122 |
| 35 | Geico | $1,106 |
| 40 | Geico | $1,079 |
| 45 | Erie | $1,060 |
| 50 | Erie | $1,060 |
| 55 | Geico | $1,037 |
| 60 | Geico | $1,069 |
| 65 | Geico | $932 |
| 70 | Erie | $1,195 |
| 75 | Erie | $1,324 |
Best car insurance companies in Pennsylvania
The company that is the best for you depends on your particular needs and driver profile. Some don't mind paying a bit more for auto insurance if they get better customer service, while others may value cheap car insurance rates over other factors. Our picks for the best car insurance companies in Pennsylvania are as follows:
| Company | Insure.com rating, out of five | Minimum liability cost | Full coverage cost | Number of discounts available | J.D. Power customer satisfaction ranking, out of 1,000 | A.M. Best Financial Standing |
|---|---|---|---|---|---|---|
| GEICO | 3.5 | $301 | $1,122 | 16 | 841 | A++ |
| Erie | 3.5 | $348 | $1,248 | 6 | 850 | A+ |
| State Farm | 4 | $342 | $1,365 | 11 | 855 | A++ |
| Progressive | 3.5 | $487 | $2,033 | 13 | 828 | A+ |
| Allstate | 3.5 | $718 | $2,496 | 11 | 812 | A+ |
| Nationwide | 3.5 | $812 | $1,936 | 9 | 835 | A+ |
Affordable car insurance in Pennsylvania
Affordable car insurance is about finding a balance between enough coverage and low premiums. Going with the minimum amount of insurance required may not cover you if you cause an accident. If someone’s injured in a crash, the minimum coverage may barely cover the ambulance. Therefore, it’s worth upping your liability minimum coverage to at least 100/300/100 if you can afford it, and adding comprehensive and collision insurance.
Collision coverage pays for repairs to your car regardless of who is at fault for the accident. Comprehensive insurance pays for damage to your car caused by bad weather, for instance from flooding or hailstorms, and also covers vandalism, theft, fire and animal collisions.
The average cost of comprehensive Pennsylvania auto insurance is $146, which is about $50 cheaper than the nationwide average. To add collision coverage in Pennsylvania, the average cost is $618, about $90 more than the average.
When deciding if you should add protection for your vehicle and upgrade to full coverage on your Pennsylvania auto insurance, decide if you can afford the cost of replacing your vehicle out of pocket. For cars newer than 10 years, paying for full insurance coverage is usually a good idea. Use theCar Insurance Coverage Calculator to help you find the right balance.
Average car insurance cost in Pennsylvania by city
Below you’ll see how much car insurance in Pennsylvania is, on average, in the largest cities, for a driver age 30 with a clean record with a full coverage policy.
| City | Average rate |
|---|---|
| Lancaster | $1,508 |
| Bethlehem | $1,650 |
| Scranton | $1,677 |
| Erie | $1,685 |
| Pittsburgh | $1,708 |
| Reading | $1,748 |
| Allentown | $1,781 |
| Philadelphia | $3,224 |
How to save on car insurance in Pennsylvania
Take advantage of these five tips to save more on your Pennsylvania auto insurance:
- Compare auto insurance quotes: You should shop your auto insurance coverage at least once a year, a month before renewal, to make sure your insurance company is still the best fit at the best price. Insurance rates vary significantly from one insurance company to another, so the best way to get cheap car insurance is by comparing auto insurance quotes from at least carriers.
- Ask for auto insurance discounts: Most carriers have a variety of car insurance discounts, such as multi-policy, early payment, good driver and safety equipment, that can help you save.
- Bump up your deductible: A higher deductible could drop your monthly premium payments. Don’t get carried away, though — in case of a claim, you’ll need to pay the deductible amount in full before your insurance steps in to cover the rest.
- Work on your credit score: Insurance companies in most states can check your credit to determine how much they’ll charge you for auto insurance. Those with poor credit will generally pay significantly more than Pennsylvania drivers with good credit. The better your credit score, the less you’ll pay.
- Drive safe: It goes without saying that having a blemish-free driving record means your car insurance will be cheaper.
- Sign up for telematics: Many car insurance companies now use telematics to track your driving. You can sign up and download an app that monitors your driving habits. The safer you drive, the higher the discount you can get on your car insurance.
Pennsylvania car insurance laws and FAQs
What insurance coverage do I need in Pennsylvania?
Like most states, Pennsylvania has minimum liability requirements. Drivers in Pennsylvania need 15/30/5, as well as $5,000 or more in First Party Benefits, a form of medical coverage similar to personal injury protection (PIP).
However, the cheapest car insurance is always the best. The requirements to legally drive may not be enough to protect you financially in case of an accident. Pennsylvania’s liability coverage doesn’t cover damages to your vehicle if you’re at fault in an accident. And if you cause more than the $5,000 limit in damage to another vehicle, you’ll have to pay for the difference out of pocket. Considering that a small dent on a Tesla could cost as much as $7,000 to repair, you may want to bump up your limits and add full coverage if you drive a newer or higher-value vehicle. Even more commonly driven cars are costing more to repair as high-tech sensors and safety systems become standard features on most vehicles.
What are minimum requirements for car insurance in Pennsylvania?
Pennsylvania car insurance laws mandate the following minimum car insurance requirements, which are relatively low:
- Liability coverage of at least $15,000 per person and $30,000 per accident for bodily injury
- Property damage coverage of $5,000
- First party benefits (PIP) coverage of $5,000
How much does car insurance cost in Pennsylvania?
Car insurance in Pennsylvania costs, on average, $1,700, which is about $60 less than the nationwide average of $1,758, for a full coverage policy. For a bare-bones policy with limits for just the state required minimum needed to driver legally, the cost is $502, which is about $470 less than the national average of $574.
What are the Pennsylvania car insurance laws for young drivers?
Pennsylvania car insurance laws for teen drivers allow teens to get started at the age of 16 when they may apply for a learning permit. After six months of supervised driving, teen drivers in Pennsylvania can qualify for a restricted driver’s license if:,
- They drove supervised for 65 hours or more in the six months. At least 10 hours should have been completed at night and 5 hours in bad weather.
- The supervising adult is a licensed adult over 21.
- In addition to the supervising adult, only one non-family member under 18 was in the vehicle while the teen drove in the first six months.
- They only drove after 5 a.m. and before 11 p.m.
