Cheapest Insurance in Pennsylvania 2021

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  • Find cheapest car insurance Pennsylvania
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Whether you’re a city dweller in fast-paced Philly or enjoying a slower pace of life in one of Pennsylvania’s more rural counties, the best way to find affordable insurance premiums is to shop around and compare rates.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Pennsylvania. And if you want to learn more about car insurance rates in Pennsylvania, keep reading.
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Find the cheapest car insurance in Pennsylvania with Jerry

If you’ve been with the same provider for a while, you might be surprised to learn that you’re not necessarily getting the best rate. By comparing insurance quotes from multiple providers that serve customers in Pennsylvania, you can make sure you’re getting the best coverage for the best rate.
Here’s how much Jerry customers were paying for car insurance in Pennsylvania before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Pennsylvania with Jerry

Insurance Company
Before Jerry
After Jerry
Kemper
$2,810$1,487
Nationwide$2,496$1,549
State Auto
$2,383$1,605
Dairyland
$3,058$1,668
Metlife
$2,734$1,714
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Pennsylvania.

Cheapest minimum coverage car insurance in Pennsylvania

Each state has different requirements for the minimum insurance that drivers must carry. Here’s the coverage you need to have to drive lawfully in Pennsylvania:
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
Pennsylvania also requires motorists to carry a minimum of $5,000 in medical benefits. This coverage pays any medical bills for you and others covered by your policy, even if you were not at fault for the accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Pennsylvania:
Before Jerry
After Jerry
$2,680$1,518
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Additional coverages you might want to consider when shopping for car insurance in Pennsylvania

Risk FactorCoverage to Consider
Severe winter stormsComprehensive insurance covers your vehicle if it is stolen or damaged by a falling object, animal, vandals, or weather event.
Icy winter roadsCollision insurance can be especially helpful during winter driving, when collision potential is at its highest. It covers physical damage to your car in the event of a collision.
High population densityCollision insurance can be especially helpful during winter driving, when collisioWith more drivers on the road, chances of an accident are high. Accident forgiveness coverage means that your insurance rates won’t go up after your first at-fault accident.
Minimum liability insurance is all you need to legally drive in Pennsylvania, but purchasing additional coverage is a good idea if you can afford it.

Best carriers for minimum coverage car insurance in Pennsylvania

Driving without the minimum required car insurance can have some serious consequences. If you’re caught, you may face a minimum $300 fine, a 3-month license and vehicle registration suspension, restoration fees to reinstate your license and registration, and even vehicle impoundment.
Translation: If you’re driving in Pennsylvania, it’s important to make sure you meet the mandatory minimums.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Pennsylvania:
Insurance Company
Before Jerry
After Jerry
Nationwide$1,231$807
Allstate$1,863$1,193
Safeco$3,109$1,278
Progressive$2,565$1,488
State Auto
$1,992$1,597
National General
$3,009$1,861

Cheapest full coverage car insurance in Pennsylvania

The thing with minimum liability insurance is that it leaves a pretty glaring gap: your own vehicle. If you can afford it, it’s always a good idea to secure more than just the minimum required coverage.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,870$2,042
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Best carriers for full coverage car insurance in Pennsylvania

You’ll have no trouble securing full coverage insurance in Pennsylvania; pretty much every carrier offers an array of protections beyond the minimum requirements. The amount of coverage you need will, of course, depend on your individual circumstances.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Pennsylvania:
Insurance Company
Before Jerry
After Jerry
Travelers$1,811$1,492
Nationwide$2,806$1,559
State Auto
$2,260$1,777
Kemper
$4,373$1,788
Progressive$2,605$1,848
Safeco$2,565$2,188
Allstate$2,784$2,495
National General
$5,496$3,536

Cost to insure your car in Pennsylvania by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
The inexperience is, unfortunately, compounded by the fact that young drivers are statistically more likely to engage in risky behavior behind the wheel and tend to be involved in more accidents.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,728$1,834
21-24$2,574$1,582
25-34$2,359$1,469
35-44$2,383$1,486
45-54$2,285$1,417
55-64$2,282$1,273
65+$1,911$1,034
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Cost of insurance for drivers in Pennsylvania with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Pennsylvania’s Department of Transportation (DOT) uses the driving record point system, and they’re pretty strict about it. Drivers who receive six points or more are at risk of license suspension—and it would only take a couple of moving offenses to get there.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,738$1,790
Eluding Police$1,128$972
Defective Equipment$1,735$1,481
Passing School Bus$1,660$1,564
Suspension$5,568$1,758
Failure to Obey Traffic Sign$2,883$1,913
Speeding under 15$3,098$1,984
Speeding over 15$2,949$2,053
Driving on Sus. License$3,175$2,066
Improper Passing$3,214$2,483

Best carriers for drivers with infractions in Pennsylvania

Insurance Company
Before Jerry
After Jerry
Nationwide$2,722$1,655
Kemper
$4,450$1,752
State Auto
$2,708$1,769
Progressive$2,859$1,915
Travelers$2,830$1,993
National General
$3,167$2,044
Safeco$3,023$2,142
Allstate$3,383$2,305
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Cost of insurance for young drivers in Pennsylvania with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Moving violations like speeding or reckless driving don’t look good on anyone’s record, but for the under-25 crowd they can mean high insurance premiums for years.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,111$2,024
Defective Equipment$1,584$732
Improper Passing$1,164$1,104
Passing School Bus$1,660$1,564
Speeding under 15$3,705$2,328
Failure to Obey Traffic Sign$3,720$2,505
Speeding over 15$3,645$2,539
DUI$4,436$3,245
Careless Driving$5,291$3,664
Driving on Sus. License$5,443$4,061

Best carriers for young drivers with infractions in Pennsylvania

If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Pennsylvania, check out these top carriers.
Insurance Company
Before Jerry
After Jerry
Nationwide$3,255$1,711
State Auto
$2,545$1,740
National General
$4,212$2,152
Allstate$3,454$2,229
Safeco$3,502$2,372
Progressive$3,633$2,498
Travelers$4,394$2,714
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Pennsylvania

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Pennsylvania.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Since car insurance is one of the necessary costs for Pennsylvania drivers, it’s definitely worth asking about some hidden insurance discounts that you may already qualify for.
Discount TypeWho is Eligible?
Bundling discountsIf you’re not driving much, many insurers will give you a break on your insurance rates. Different providers define ‘low mileage’ differently, though it’s typically between 7,500 and 12,000 miles per year.
Low-mileage discountsA defensive driving course can help reduce your premium by 10–15%. They teach drivers how to better assess road, traffic, and weather conditions to avoid accidents. The classes are mandatory for young drivers in California, but drivers of any age can take them to benefit from the discount.
Green discountsStatistics show that people who buy hybrid and electric cars tend to be responsible with them and have fewer accidents. Some insurance companies offer discounts for people who drive these cars.
Annual payment discountsMany insurers offer discounts to customers who pay their annual premium in full, rather than dividing payments out across the year.
Safe driving discountsIf you have a clean driving record and no claims, you may be eligible for a safe driving discount that can reduce your premium by up to 30%.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.

How much does it cost to insure my car make in Pennsylvania?

The Honda Civic is the most popular car in Pennsylvania—and for good reason. Apart from its reliability and great gas mileage, it’s also one of the most affordable cars to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Honda Accord EXL$2,172$1,298
Honda Accord EX$1,506$936
Hyundai Elantra GLS$1,988$892
Nissan Altima 2.5$2,808$1,600

Cheapest car insurance in Pennsylvania by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Pennsylvania has a relatively high population density, which means more drivers, more traffic, and more accidents. The state also experiences some severe weather that results in insurance claims, such as winter storms and rainstorms that cause flooding.
Pennsylvania is also a no-fault state. This means that in the event of an accident, each driver files a claim with their own insurance company—it doesn’t matter who was at fault. This typically results in slightly more expensive premiums.
City
Before Jerry
After Jerry
Greensburg$1,366$1,198
Easton$2,408$1,314
Mechanicsburg$1,925$1,501
Phoenixville$2,087$1,520
York$2,197$1,525
Pittsburgh$2,353$1,543
Erie$2,538$1,734
Norristown$2,596$1,862
Reading$3,076$2,048
Philadelphia$3,614$2,422
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Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

Browse questions from our car experts

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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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