The best car insurance in Pennsylvania comes from providers with high financial strength ratings and few complaints. According to Jerry’s editorial analysis, Erie Insurance is the best car insurance company in Pennsylvania overall. Here’s what to know about the best insurers in the state.
If you need cheap car insurance in Pennsylvania, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Pennsylvania overall: Erie Insurance
Why it’s the best: Erie Insurance is the best car insurance company in Pennsylvania because of its 4.9 Jerry star rating, superior financial strength rating and few customer complaints. Erie also ranks No. 1 out of 14 insurers for overall customer satisfaction in the Mid-Atlantic region, according to J.D. Power’s 2024 U.S. Auto Insurance Study, which ranks insurance companies based on factors like cost and consumer trust.
Erie’s auto policies include perks like accident forgiveness for your first crash if you’re insured by Erie for three claims-free years, coverage if your pet gets hurt in an accident in your car, locksmith services, a waived deductible for auto glass repair and $350 in personal items coverage. Your policy may need to include comprehensive or collision coverage to qualify for some of these perks.
You can customize your policy with roadside assistance and rental car coverage if you have comprehensive or collision coverage. If you upgrade to Erie’s Auto Plus package, you get added benefits, including a diminishing deductible and a $10,000 death benefit.
Pennsylvania drivers can get discounts from Erie by insuring multiple cars, bundling policies, driving few miles a year or only using your vehicle for farm use.
Runner-up: Geico
Why it’s the best: Geico is Jerry’s top-rated insurer with 5 stars due to its superior financial strength rating and few customer complaints. Despite scoring full marks, it didn’t rank as high as Erie in J.D. Power’s 2024 U.S. Auto Insurance Mid-Atlantic Study, making it our pick for runner-up.
Drivers in Pennsylvania may get discounts for bundling policies, maintaining a clean driving record for five years and for opting into Geico’s telematics program, DriveEasy, and practicing safe driving habits. Drivers 50 and older who voluntarily complete a qualifying defensive driving course may also get a discount.
Geico’s phone app lets customers manage their policy, access insurance ID cards, request roadside assistance and get repair estimates by uploading photos of a damaged car.
More of the best Pennsylvania insurers
These insurers also offer some of the best car insurance in Pennsylvania.
Honorable mention: NJM Insurance
While not yet rated by Jerry, NJM Insurance Co. was ranked No. 2 out of 14 insurers for overall customer satisfaction in the Mid-Atlantic region, according to J.D. Power’s 2024 Auto Insurance Study.
NJM offers many discounts for Pennsylvania drivers, including savings for bundling multiple policies, insuring a car two model years old or newer, setting up automatic payments and going paperless. Discounts are also available for student drivers who’ve made honor roll, Dean’s List or have at least a 3.0 GPA.
A discount is available for drivers under 21 who complete certain driver-training qualifications. Drivers 55 and older can get a discount for completing a mature driver improvement course approved by the Pennsylvania Department of Transportation. You may also get a discount for opting into NJM’s telematics program, SafeDrive, which tracks your driving through a mobile app and provides feedback on driving behavior like acceleration, braking and distracted driving.
Best full coverage car insurance in Pennsylvania
The following companies offer some of the best full coverage car insurance rates in Pennsylvania.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $186 |
| Progressive | $246 |
| Safeco | $254 |
| National General | $264 |
| Assurance America | $272 |
Best car insurance for teen drivers in Pennsylvania
Here are the best car insurance rates for teens in Pennsylvania.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Dairyland | $177 |
| Bristol West | $264 |
| The General | $274 |
| National General | $291 |
| Embark General | $300 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Pennsylvania
Below are the best options for drivers under 25 in Pennsylvania, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $136 |
| Commonwealth Insurance | $189 |
| National General | $237 |
| Embark General | $244 |
| Progressive | $248 |
Learn more: Car insurance for college students
Best car insurance for seniors in Pennsylvania
These are the best car insurance rates in Pennsylvania for drivers aged 65 and older.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| AAA | $98 |
| National General | $131 |
| Progressive | $180 |
| Gainsco | $186 |
| First Acceptance | $190 |
Learn more: Car insurance for seniors
How to get the best car insurance in Pennsylvania
Follow these tips to find the best car insurance in Pennsylvania:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
