Nationwide offers the cheapest auto insurance rates in Pennsylvania at about $821 a year or $68 monthly, on average. That’s below the average Pennsylvania car insurance rate of $1,256 a year.
However, cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Nationwide to be the best insurance company in Pennsylvania.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your average annual car insurance cost.
Read on to compare Pennsylvania insurance rates by company, age and more.
Key takeaways
- Nationwide is the best car insurance company in Pennsylvania overall, with below-average rates and a low complaint ratio.
- Nationwide is the cheapest car insurance company in Pennsylvania at $821 per year.
- Travelers has the cheapest rates for teen drivers in Pennsylvania.
- 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
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in Pennsylvania
The average car insurance rate in Pennsylvania is $1,256 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 $315.
Best car insurance companies in Pennsylvania
Nationwide is the best car insurance company in Pennsylvania, based on a 2023 analysis by Insurance.com, with an overall rating of 4.41. State Farm is the second-best auto insurance company in Pennsylvania with an overall rating of 4.03.
Below is a full 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 | Avg annual premium | NAIC complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Nationwide | A+ | $ 821 | 0.66 | 4.41 |
| State Farm | A++ | $ 1,195 | 0.52 | 4.03 |
| Auto-Owners | A++ | $ 1,237 | 0.64 | 4 |
| Travelers | A++ | $ 1,020 | 1.03 | 3.59 |
| Geico | A++ | $ 1,352 | 0.77 | 3.53 |
| Erie Insurance | A+ | $ 1,229 | 0.95 | 3.08 |
| USAA | A++ | $ 1,448 | 0.99 | 2.9 |
| Progressive | A+ | $ 1,598 | 0.73 | 2.87 |
| Allstate | A+ | $ 1,400 | 0.95 | 2.77 |
Cheapest car insurance companies in Pennsylvania
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes 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 put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Nationwide is the cheapest auto insurance company in Pennsylvania with average rates of $821 annually or $68 a month on average.
| Company Group | State Minimum Liability Only | 50/100/50 Liability Only | 100/300/100 Liability with $500 Comp/Coll Deductible |
|---|---|---|---|
| Nationwide | $ 299 | $ 353 | $ 821 |
| Travelers | $ 256 | $ 355 | $ 1,020 |
| State Farm | $ 274 | $ 357 | $ 1,195 |
| Erie Insurance | $ 238 | $ 315 | $ 1,229 |
| Auto-Owners | $ 266 | $ 365 | $ 1,237 |
| Geico | $ 368 | $ 504 | $ 1,352 |
| Allstate | $ 307 | $ 377 | $ 1,400 |
| USAA | $ 298 | $ 391 | $ 1,448 |
| Progressive | $ 533 | $ 669 | $ 1,598 |
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 $2,944 per year for full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Pennsylvania, Nationwide offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $826 per year and $746 per year, respectively.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | Travelers | $ 2,944 |
| Teens (16-19) | Geico | $ 2,990 |
| Teens (16-19) | Nationwide | $ 3,370 |
| Teens (16-19) | Erie Insurance | $ 3,647 |
| Teens (16-19) | State Farm | $ 3,733 |
| Teens (16-19) | Auto-Owners | $ 4,736 |
| Teens (16-19) | USAA | $ 4,737 |
| Teens (16-19) | Progressive | $ 5,221 |
| Teens (16-19) | Allstate | $ 13,430 |
| Young Adults (20-24) | Nationwide | $ 1,415 |
| Young Adults (20-24) | Travelers | $ 1,532 |
| Young Adults (20-24) | Geico | $ 1,808 |
| Young Adults (20-24) | State Farm | $ 2,113 |
| Young Adults (20-24) | Erie Insurance | $ 2,139 |
| Young Adults (20-24) | Auto-Owners | $ 2,216 |
| Young Adults (20-24) | USAA | $ 2,290 |
| Young Adults (20-24) | Progressive | $ 2,929 |
| Young Adults (20-24) | Allstate | $ 4,249 |
| Adults (25-55) | Nationwide | $ 826 |
| Adults (25-55) | Travelers | $ 1,040 |
| Adults (25-55) | State Farm | $ 1,210 |
| Adults (25-55) | Auto-Owners | $ 1,254 |
| Adults (25-55) | Erie Insurance | $ 1,276 |
| Adults (25-55) | Geico | $ 1,385 |
| Adults (25-55) | Allstate | $ 1,451 |
| Adults (25-55) | USAA | $ 1,509 |
| Adults (25-55) | Progressive | $ 1,659 |
| Seniors (60-75) | Nationwide | $ 746 |
| Seniors (60-75) | Travelers | $ 981 |
| Seniors (60-75) | State Farm | $ 1,131 |
| Seniors (60-75) | Allstate | $ 1,205 |
| Seniors (60-75) | Auto-Owners | $ 1,221 |
| Seniors (60-75) | Erie Insurance | $ 1,301 |
| Seniors (60-75) | Geico | $ 1,324 |
| Seniors (60-75) | USAA | $ 1,418 |
| Seniors (60-75) | Progressive | $ 1,666 |
Cheapest car insurance companies in Pennsylvania by driver profile
Accidents and tickets can negatively affect car insurance rates. Drivers who have 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 single minor accident may see a smaller increase in their rates compared to 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 | Ticket |
|---|---|---|---|
| Allstate | $ 1,447 | $ 1,817 | $ 1,447 |
| Auto-Owners | $ 1,337 | $ 1,769 | $ 1,380 |
| Erie | $ 1,253 | $ 1,569 | $ 1,347 |
| Geico | $ 1,333 | $ 1,999 | $ 1,843 |
| Nationwide | $ 891 | $ 1,328 | $ 1,302 |
| Progressive | $ 1,600 | $ 2,310 | $ 1,658 |
| State Farm | $ 1,300 | $ 1,477 | $ 1,371 |
| Travelers | $ 1,008 | $ 1,372 | $ 1,159 |
| USAA | $ 1,505 | $ 2,036 | $ 1,682 |
Compare auto insurance rates by city in Pennsylvania
Auto insurance rates in your city can vary significantly 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 and consider these local factors to find the most competitive rates for your specific city in Pennsylvania.
| City | Annual insurance premium |
|---|---|
Brookhaven | $1,495 |
Derry | $1,241 |
Easton | $1,210 |
Farrell | $1,150 |
Lancaster | $1,145 |
Nanticoke | $1,194 |
Philadelphia | $2,276 |
Pittsburgh | $1,276 |
West Mifflin | $1,180 |
York | $1,066 |
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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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