Best Car Insurance Companies in Pennsylvania
We’re ranking Travelers and Safeco as the overall best auto insurance companies in PA, but The General, Kemper, Embark, and Clearcover also made the list.
Written by Bonnie Stinson
Edited by Sarah Gray
Table of Contents
Jerry users in
Pennsylvania
have spoken, and they’ve voted Travelers and Safeco as the overall best car insurance companies
in the Keystone State. That said, high-risk drivers may find better rates and coverage with non-standard providers, like The General and Kemper.- Clearcover, Safeco, and Travelers offer the best policies for drivers with few or no violations.
- If you’ve gotten a few tickets or you have an at-fault accident on your record, check out rates from non-standard providers, like The General and Kemper.
- No matter what your driving record looks like, comparing rates from at least 3–5 providers is the best way to ensure you have the best policy at the most affordable price.
- Clearcover, Safeco, and Travelers offer the best policies for drivers with few or no violations.
- If you’ve gotten a few tickets or you have an at-fault accident on your record, check out rates from non-standard providers, like The General and Kemper.
- No matter what your driving record looks like, comparing rates from at least 3–5 providers is the best way to ensure you have the best policy at the most affordable price.
Clearcover: Great online platform
Clearcover: Great online platform
Real 5-star customer review:
I was looking for a liability insurance plan for my truck until I can afford more coverage. Jerry made it simple to shop around for the best deal for me. Thank you! —Jake L.
Overall Jerry rating in Pennsylvania: 4.7
JD Power customer satisfaction: Not rated for Pennsylvania market
AM Best financial strength: A-
NAIC complaint index (June 2023): More than expected
This online-only company earns top ratings among Pennsylvania drivers, especially for policy buying and renewals. You can get standard coverage with Clearcover as well as
rideshare coverage
and roadside assistance
. Rates are relatively affordable, too.Clearcover stands out for claims resolution processing time, but it does have higher-than-average complaints. This company is a great option for drivers who need no-frills car insurance coverage at a standard price.
Safeco: Great for safe drivers
Safeco: Great for safe drivers
Real 5-star customer review:
Jerry is so helpful! It turns out that Safeco offers me the best plan for my price range. I’m thankful for the extra income I’m saving with a better auto insurance policy. —Lou C.
Overall Jerry rating in Pennsylvania: 4.7
JD Power customer satisfaction: 813/1000
AM Best financial strength: A
NAIC complaint index (June 2023): Fewer than expected
With strong positive ratings for policy renewals and policy cost, Safeco is popular among Pennsylvania drivers. 24/7 access to agents is a nice touch and usage-based insurance is available. Plus, you can purchase multiple insurance products from Safeco (home, auto, renters) and bundle for a discount.
Claims handling scores are lower for Safeco than for other companies on this list. However, Safeco is a good option for people with
clean driving records
, people with good credit, or rideshare drivers who need standard coverage levels with high-touch customer service.Read More
The General: Good for drivers with violations
The General: Good for drivers with violations
Real 5-star customer review:
My past tickets were making it hard to find affordable insurance. With Jerry, I went from paying $450/month to $273/month. They took care of everything—such a relief! —Josephine R.
Overall Jerry rating in Pennsylvania: 4.8
JD Power customer satisfaction: Not rated for Pennsylvania market
AM Best financial strength: A
NAIC complaint index (June 2023): More than expected
Specializing in
high-risk drivers
, The General offers affordable rates to drivers who might struggle to find cheap car insurance elsewhere. With 4.8/5 ratings for customer service, there’s a lot to love here. An online app makes policy management easy, and additional coverage options include roadside assistance and custom equipment coverage.If you have a clean driving record and you’re looking to unlock some discounts, The General may not be the right fit for you. But drivers with poor credit—or drivers who have some strikes on their
PA driving record
—should look twice at The General.Read More
Travelers: Lots of coverage options, excellent customer service
Travelers: Lots of coverage options, excellent customer service
Real 5-star customer review:
I have been with the same insurance provider for over 10 years. Jerry found me a new policy with Travelers that is $107/month cheaper. The pandemic has made finances tight, but Jerry helped me out.—Gabriel T.
Overall Jerry rating in Pennsylvania: 4.8
JD Power customer satisfaction: 822/1000
AM Best financial strength: A++
NAIC complaint index (June 2023): Fewer than expected
With a long-standing reputation for excellence, Travelers is one of the top-rated companies on our list for Pennsylvania drivers. It offers 24/7 online claims filing, a variety of insurance products, and high ratings for policy buying and renewals. The discount list is sky-high, too.
Price is the biggest drawback with Travelers, and some policyholders report longer-than-average claims processing times. But if you value reputation and customer service above all, Travelers might be the right company for you.
Read More
Embark: Non-standard insurance for high-risk drivers
Embark: Non-standard insurance for high-risk drivers
Real 5-star customer review:
Jerry made everything super easy! I got the best and cheapest deals. And it’s my first time buying insurance! What a deal!—Abby W.
Overall Jerry rating in Pennsylvania: 5.0
JD Power customer satisfaction: Not rated for Pennsylvania market
AM Best financial strength: Not rated
NAIC complaint index (June 2023): Not rated
Operated by a network of independent agents, Embark seems to earn high ratings in all categories for car insurance in Pennsylvania. However, third-party institutions like JD Power and AM Best have not assigned ratings to the company so it’s difficult to assess it accurately.
You can check on your claims by phone or file a new claim online with Embark, and you can get standard property damage liability and bodily injury liability with this company. This might be one of the cheapest car insurance companies for drivers with an at-fault accident or speeding ticket on record.
Read More
Kemper: Coverage for high-risk drivers in PA
Kemper: Coverage for high-risk drivers in PA
Real 5-star customer review:
You must get this app! It’s my first time getting my own insurance, so I called a few companies myself. Their rates priced me around $600/month. I used Jerry and my rates went down to $250/month. I’m so happy! —Melissa C.
Overall Jerry rating in Pennsylvania: 4.6
JD Power customer satisfaction: Not rated
AM Best financial strength: A-
NAIC complaint index (June 2023): Much higher than expected
Kemper specializes in
nonstandard car insurance
, with a variety of coverage options including basic liability in Pennsylvania. Some discounts
are available like loyalty and multi-policy discounts, as well as flexible payment plans.While cheap auto insurance is available, Kemper policyholders report less-than-satisfactory customer service experiences when compared with the national average. Try Kemper if you’re struggling to find an affordable rate with a history of traffic violations in Pennsylvania or if you’ve broken
PA DUI laws
.Read More
How to save on your Pennsylvania auto insurance
Remember, no single insurance company can claim to have the cheapest car insurance for all drivers in Pennsylvania. Your average rates depend on things like the car you drive, your driving history, where you live, and the coverage you choose.
To make sure you're getting the best deal, compare quotes from at least three to five insurance providers before buying a policy. Jerry's easy-to-use insurance
comparison app
can help with this—we check rates from over 50 top insurers across the country.Also, keep in mind that your annual premiums can change depending on the discounts you qualify for. Ask your insurance agent about
discounts
like bundling your home or renters insurance with auto insurance, being a good student, or joining a telematics program.Cutting corners on your Pennsylvania car insurance can leave you vulnerable
While you can save on the cost of car insurance by sticking to the state minimum coverage, you could end up unprotected in the event of a serious car accident. It’s almost always a good idea to increase your liability coverage limits, and if you drive a newer vehicle, you’ll be best protected by getting
full coverage car insurance
with comprehensive coverage and collision coverage. Pennsylvania's minimum car insurance requirements
include liability coverage and First Party Benefit for medical benefits. But for even more protection, consider adding the following coverage types:Even if you get into an accident and you’re
not at fault
, you might not have enough help with medical expenses in PA
with the state minimum coverage requirements under Pennsylvania law. That means you’d have to pay out of pocket. Methodology:
Jerry’s content editors analyzed 23 of the top insurers in Pennsylvania and chose the best based on a combination of scores from JD Power, AM Best, NAIC, and Jerry’s own nationwide carrier survey.
FAQs
What is the best car insurance in PA?
There’s no single car insurance company that will offer the cheapest auto insurance for everyone. Car insurance premiums will fluctuate due to a range of factors, such as your driving history, the vehicle you own, whether or not you live in an urban area like Pittsburgh or Philadelphia, your driving behavior, your credit score, your deductible (if you have full coverage), points on your driver’s license, and the discounts for which you're eligible.
Who has the cheapest car insurance rates in Pennsylvania?
There’s no simple answer, unfortunately. Auto insurance rates are highly individualized, but policyholders in PA give high cost-satisfaction ratings to Kemper, Farmers, Clearcover, or AAA. Of course, a company like GEICO, State Farm, USAA, Allstate, Progressive, or Erie Insurance might offer the best rates even though they didn’t make our list.
How much is the average car insurance in PA?
The average cost of car insurance with minimum liability car insurance coverage in Pennsylvania is $1,488 and the average cost of full-coverage policies in Pennsylvania is $2,067. Ask for car insurance discounts like the good drivers discount to get even more affordable car insurance.
What is the best car insurance for new drivers in Pennsylvania?
Young drivers, especially
teen drivers
, usually pay the highest out of all age groups based purely on their driver profile. However, they may find the cheapest full coverage rates with a company like Travelers. However, you should get quotes from multiple companies because the cheapest rates might surprise you.
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