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Jerry Data & Research
Cheapest Car Insurance in Pennsylvania (Sep 2024)
Cheapest Car Insurance in Pennsylvania (Sep 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Pennsylvania.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Pennsylvania
- Cheapest car insurance companies in Pennsylvania
- Minimum car insurance requirements for liability and full coverage in Pennsylvania
- Car insurance premium by rating factors
- How do different factors impact your car insurance costs in Pennsylvania?
- Cheapest Pennsylvania car Insurance after a driving violation
- How to find cheap Pennsylvania auto insurance after a DUI
- Cheapest Pennsylvania auto insurance based on insurance history
- Cheapest car insurance for Pennsylvania drivers with poor credit
- Cheapest Pennsylvania car insurance by age
- How to find car insurance discounts in Pennsylvania for your motor vehicle
- Is it cheaper to insure a new car or a used car?
- How to find cheap car insurance in Pennsylvania in your city
- How to lower the cost of car insurance in Pennsylvania
- FAQs
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Pennsylvania
The average cost of car insurance in Pennsylvania is approximately $53 per month for the state minimum, and $133 per month for full coverage.
There is a common misconception that popular
car insurance
providers consistently offer better rates than others—but in reality, no one company provides the best rates for everyone. To unlock the best insurance rates, you should shop around
and collect quotes from multiple sources and choose the most suitable option for your needs.Jerry
Insurance Agency helps savvy car insurance shoppers in Pennsylvania streamline the insurance comparison process and purchase affordable coverage.| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Safeco | $338 | Ellen, 21 | Mercedes Benz CLA 250 | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $119 | Mario, 34 | Tesla Model 3 | • 100,000/300,000 Liability • Comp / Collision |
| AAA | $98 | Lola, 92 | Mazda 6 Grand Touring | • 50,000/100,000 Liability |
| Bristol West | $107 | Douglas, 35 | Chrysler 200 Limited | • State Minimum Liability • Comp / Collision |
| Plymouth Rock | $124 | Gertrude, 34 | Chevrolet Traverse LS | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 14, 2024Cheapest car insurance companies in Pennsylvania
Jerry administered the nation’s largest insurance shopping survey to uncover the truths about finding affordable insurance state-by-state—and find out who offers the cheapest car insurance rates in Pennsylvania.
Jerry’s survey found that affordable car insurance rates aren’t housed by just one company. Each car insurance provider offers unique rates for their policyholders, so the cheapest provider for one driver may not be the cheapest provider for another driver.
While some customers found their rates to be affordable and reasonable, others claimed they were unfairly charged and faced frequent rate increases.
State Auto, Safeco, Progressive, National General, and Travelers have the largest market shares in Pennsylvania. Take a look at what drivers had to say about these providers.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Assurance America | September 11, 2024 | 5 | "I have bad credit but a spotless driving record. Plymouth offered me a state minimum policy for $52 a month when many...(read more)" -Leon |
| Mapfre | September 5, 2024 | 5 | "Always been very nice every time we have had to call in. Very good at communicating what’s going on and making sure w...(read more)" -Nina |
| State Farm | September 3, 2024 | 3 | "Getting the policy took forever and after I made a large first payment they wanted another one on a week. Those two p...(read more)" -Fanny |
| Amica | September 1, 2024 | 5 | "They have the cheapest rates for me " -Lily |
| Bristol West | September 1, 2024 | 5 | "First time having insurance and I always recommend this one!" -Hulda |
Last Updated Sep 11, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
To effectively and efficiently compare
car insurance quotes
online, it’s best to use a car insurance comparison app or website.Jerry has a handy, free app that compares car insurance quotes and offers personalized service to customers through a team of over 100 licensed insurance agents.
Minimum car insurance requirements for liability and full coverage in Pennsylvania
Pennsylvania car insurance laws
mandates minimum car insurance requirements for every driver. These minimum requirements include liability insurance and personal injury protection (PIP).Cheapest minimum liability coverage in Pennsylvania
To legally operate a vehicle on Pennsylvania roads, residents must meet the state’s
minimum car insurance coverage requirements
.Pennsylvania drivers must hold:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
- $5,000 in personal injury protection (PIP)
On average, Pennsylvania drivers pay $53 per month, or $635 annually for a liability-only policy. Here are some instances where Jerry helped Pennsylvania car owners find minimum liability coverage.
Do you need more than the minimum liability insurance coverage in Pennsylvania?
Pennsylvania drivers aren’t required to purchase more than minimum coverage—but you may need additional coverage to keep yourself fully protected on the roads.
If an at-fault accident occurs, you could face vehicle repair or replacement costs, as well as medical expenses that exceed the minimum limits of your state-required coverage. Serious injuries to another person or hefty vehicle damages can result in expenses of over $50,000 in some cases.
The bottom line: Consider medical benefits,
full coverage
with collision and comprehensive coverage, uninsured motorist coverage
, or at least 50/100/50 or 100/300/100 liability coverage for better financial protection.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Pennsylvania auto insurance quotes
In the event of an accident that requires extreme repairs or replacing your vehicle, full coverage is the best car insurance for covering your financial bases. Pennsylvania drivers pay around $133 per month, or $1,601 per year for a full coverage option—which is 21% less than the national average.
Although a full coverage policy with higher liability limits costs more than the state minimum in Pennsylvania, it does come with added benefits that can protect not only your vehicle, but your assets and future income.
Typically, a full coverage offers liability insurance, along with
comprehensive
and collision coverage
:- Collision coverage covers the expenses associated with repairing or replacing your car
- Comprehensive coverage provides coverage if your car is stolen or damaged by non-collision incidents like theft or natural disasters
If you drive a leased vehicle, your lender will typically mandate full coverage with collision and comprehensive insurance.
If you drive a leased vehicle, your lender will typically mandate full coverage with collision and comprehensive insurance.
If you drive a leased vehicle, your lender will typically mandate full coverage with collision and comprehensive insurance.
Check out the table below for recent instances where Jerry's agents assisted customers in acquiring the most affordable full-coverage policies.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $276 | Lee, 23 | Volkswagen Jetta S |
• State Minimum Liability • Comp / Collision | AAA | $220 | Eliza, 41 | Toyota Sienna LE |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $92 | Jonathan, 47 Sellersville, PA | Hyundai Tucson SEL |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $83 | Jorge, 50 Lancaster, PA | Honda Odyssey EXL |
• State Minimum Liability • Comp / Collision | Gainsco | $115 | Rose, 35 | Chrysler 200 Limited |
Last Updated Sep 14, 2024Pennsylvania car insurance: Additional coverages
Pennsylvania drivers can also add the following types of car insurance to their policies:
If you have a loan on a recently-purchased car: Consider adding
gap insurance
to your policy. Gap insurance will cover you if your car is stolen or if there’s a total loss and you owe more than the car is worth.If you don’t own a car but rent or borrow one instead:
Non-owner car insurance
provides the state’s minimum insurance requirements in case you are liable in an accident, but it won’t cover damage to the vehicle or personal injuries. How do different factors impact your car insurance costs in Pennsylvania?
How do different factors impact your car insurance costs in Pennsylvania?
Allowed (with applicable limitations): Age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Pennsylvania currently does not allow gender as a rating factor when calculating insurance premiums.
Learn more about the car insurance rating factors in Pennsylvania:
Cheapest Pennsylvania car Insurance after a driving violation
Your driving history is one of the most influential factors when it comes to your insurance rate. Insurance companies are likely to charge you higher premiums if you have a history of violations that indicate a greater risk of insuring you and your vehicle.
Cheapest car insurance for Pennsylvania drivers with a speeding ticket
Speeding is classified by different levels, including:
- 1-5 mph over limit
- 6-10 mph over limit
- 11-15 mph over limit
- 16-20 mph over limit
- 21+ mph over limit
A speeding ticket on your
driving record
will typically impact your car insurance premiums—most Pennsylvania drivers see their rates increase from $133 per month for full coverage, up to $152. Luckily, Jerry helps drivers save on car insurance even if they have a speeding ticket. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $140 | Garrett, 54 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Nationwide | $75 | Tom, 31 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 11-15 | Safeco | $64 | Sally, 25 | • 100,000/300,000 Liability |
Speeding 16-20 | Plymouth Rock | $193 | Essie, 41 | • State Minimum Liability • Comp / Collision |
Speeding 21+ | Mercury | $157 | Cole, 28 | • State Minimum Liability |
Last Updated Sep 12, 2024Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Fast response to questions, problems solved quickly
John
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Safeco has provided great service as my current carrier.
Marcus
How to find cheap Pennsylvania auto insurance after a DUI
A
DUI offense
in Pennsylvania can lead to a higher increase in car insurance premiums compared to other infractions.Having a DUI offense on your record can mean significantly different car insurance rates between insurance companies—and some may decline insurance coverage at all. On average, most drivers in Pennsylvania pay around $167 per month for full coverage policies after a DUI, representing a 22.7% increase.
Jerry has helped Pennsylvania drivers with DUIs find affordable car insurance rates following their violations.
Leroy (36 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$310
per month
Theodore (31 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Mercersburg, PA$77
per month
Nathaniel (55 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$182
per month
Shane (27 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$265
per month
Pennsylvania SR-22 insurance
DUIs and other serious violations sometimes result in an
SR-22 filing
requirement. This demonstrates your compliance with the minimum liability insurance mandated by Pennsylvania law.Other scenarios where you may need an SR-22 include:
- Driving without insurance
- Driving with a suspended or revoked license
- Repeated traffic violations (i.e. speeding tickets) within a limited timeframe
- At fault for various collisions
- At fault in a fatal car accident or an accident resulting in serious injuries
After an SR-22, drivers in Pennsylvania can expect to pay an average of $155 per month, or $1,855 per year for full coverage car insurance—a 15% increase in premium costs.
To maintain cheap car insurance, practice safe driving habits and apply for discounts with your provider.
Cheapest Pennsylvania auto Insurance after an at-fault accident
Insurance providers look at your history of at-fault accidents to assess your level of risk. A recent at-fault accident can increase your car insurance rates significantly, with costs often rising from $53 per month for a minimum coverage policy, up to $116 per month.
However, that doesn’t mean you can’t still save on your premiums. Here are some recent rates that real drivers with at-fault accidents received with the Jerry app:
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $117 | Lou, 39 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $194 | Lester, 22 | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Safeco | $186 | Cordelia, 56 Weatherly, PA | • 25,000/50,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $77 | Dominic, 38 | • State Minimum Liability • Comp / Collision |
At Fault With Injury | State Auto | $146 | Cornelia, 28 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 15, 2024FAQ
Is Pennsylvania an at-fault state?
No, Pennsylvania is a
no-fault state
. This means drivers are legally required to purchase higher minimum car insurance limits, including personal injury protection (PIP). Since Pennsylvania drivers need more coverage than drivers in other states, the cost of car insurance in Pennsylvania is typically higher. Pennsylvanians are not legally bound to purchase other types of coverage, like uninsured/underinsured motorist coverage. It can be useful, though—especially in a no-fault state with high population density and many uninsured or underinsured drivers.
The bottom line: Since Pennsylvania is a no-fault state, all car insurance policies automatically feature PIP. Adding uninsured/underinsured motorist coverage can offer extra financial security.
Cheapest auto insurance after other violations in Pennsylvania
Apart from speeding tickets and DUIs, other violations can also result in high car insurance costs in Pennsylvania. Here’s how much Jerry has helped affected drivers reduce their monthly insurance expenses.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $87 | Leo, 37 | Hyundai Elantra SEL | • State Minimum Liability |
Cell Phone | Safeco | $115 | Virgie, 37 | Dodge Charger R/T | • State Minimum Liability • Comp / Collision |
Defective Equipment | Allstate | $288 | Lawrence, 24 | Chevrolet Malibu LT | • 25,000/50,000 Liability • Comp / Collision |
Driving on Sus. License | Nationwide | $88 | Adele, 33 | Chevrolet Cruze LT | • 50,000/100,000 Liability • Comp / Collision |
DUI | State Auto | $193 | Henry, 28 Homestead, PA | Lincoln MKZ | • 50,000/100,000 Liability • Comp / Collision |
Eluding Police | Bristol West | $76 | Nancy, 27 Sligo, PA | Toyota Scion TC | • State Minimum Liability |
Failure to Obey Signal | Gainsco | $361 | Florence, 30 Lake City, PA | Hyundai Tucson Limited | • State Minimum Liability • Comp / Collision |
Illegal Turn | Plymouth Rock | $67 | Nettie, 41 Millersburg, PA | Nissan Altima 2.5 | • State Minimum Liability |
Improper Passing | Safeco | $287 | Stella, 31 New Bloomfield, PA | Toyota Corolla L | • 50,000/100,000 Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Progressive | $104 | Harvey, 39 Danielsville, PA | Honda Civic LX | • State Minimum Liability • Comp / Collision |
Open Container | Progressive | $89 | Mabel, 29 | GMC Sierra K1500 | • State Minimum Liability • Comp / Collision |
Passing School Bus | Bristol West | $80 | Sallie, 33 | Hyundai Accent GLS | • State Minimum Liability |
Seat Belt | National General | $126 | Nelle, 25 | KIA Sportage LX | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | State Auto | $106 | Sadie, 50 Lancaster, PA | Jeep Cherokee Latitude Plus | • 50,000/100,000 Liability • Comp / Collision |
Speeding 1-5 | Clearcover | $128 | Landon, 27 Dillsburg, PA | Chevrolet Camaro LT | • 50,000/100,000 Liability • Comp / Collision |
Suspension | Infinity | $96 | Helena, 28 | Audi A4 2.0T Quattro | • State Minimum Liability |
Wrong Way/Wrong Lane | Bristol West | $91 | Caroline, 27 Marietta, PA | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
Other Minor | AAA | $185 | Mason, 28 | Toyota Corolla | • State Minimum Liability |
Last Updated Sep 15, 2024Cheapest Pennsylvania auto insurance based on insurance history
Your insurance history plays a significant role in your car insurance rates. This includes whether you currently have an active insurance policy or not. A
lapse in your insurance coverage
can mean a higher premium—sometimes up to an average of 70.7%. You can sign up for payment reminders with Jerry to make sure you never miss a car insurance payment, and also find cheaper than average coverage.
Carlos (63 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$122
per month
Flora (30 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$194
per month
Chase (28 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Devon, PA$106
per month
Fred (34 years old)
$173
per month
Myrtle (22 years old)
$85
per month
Timothy (39 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
East Berlin, PA$83
per month
Cheapest car insurance for Pennsylvania drivers with poor credit
Insurance companies in Pennsylvania are permitted to use credit scores when setting premiums. In general, drivers with poor credit scores are more likely to file claims and therefore pay more for insurance than those with good credit.
Our data shows that drivers with credit scores over 700 tend to pay 40.5% less than drivers with credit scores under 600. Here’s a breakdown of how your credit score could change your premiums overall:
Credit score | Average monthly coverage cost |
|---|---|
< 600 | $91 |
601-699 | $80 |
700+ | $61 |
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $88 | Mason, 23 | Hyundai Elantra GT | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Travelers | $251 | Leona, 58 | Cadillac Escalade Premium Luxury | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | AAA | $272 | James, 38 | Nissan Pathfinder S | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Travelers | $146 | Isabelle, 38 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
Last Updated Sep 15, 2024Cheapest Pennsylvania car insurance by age
Your age will impact your Pennsylvania car insurance rates. If you’re a teen driver under 25, you can expect to pay higher premiums. Likewise, once you turn 75 you can expect your insurance rates to increase again
Cheapest Pennsylvania car insurance for young drivers
New drivers
between the ages of 16 and 24 generally pay the highest insurance premiums in Pennsylvania. Full coverage is a good idea for those with limited driving experience as it offers broader financial protection in case of an accident.Drivers in Pennsylvania under 18 can often expect to pay $366 per month for full coverage car insurance, and $222 for liability-only coverage. After 18, rates lower, but not by much—most young drivers between 18 and 21 generally pay an average of $142 per month for liability protection, and $241 per month for full coverage.
Rates generally drop once drivers turn 25 and stay relatively low until the age of 65—but until then, new drivers can compare rates to help them find the cheapest coverage.
Maurice (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$245
per month
Clearcover
Matthew (23 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$71
per month
Alex (22 years old)
$168
per month
Cheapest Pennsylvania car insurance for senior drivers
Car insurance rates tend to rise again once drivers reach their mid-70s. Older drivers are statistically more likely to be in an accident and experience serious injuries after a collision. Higher medical expenses encourage insurance providers to charge
senior drivers
steeper premiums.The average cost of car insurance for drivers 55 to 64 is approximately $91 per month for full coverage, and $52 per month for the state minimum. However, these prices increase again at 65, with drivers 65 and older paying $55 per month for liability-only coverage, and $98 per month for full coverage.
Take a look at some of the real rates policyholders in Pennsylvania received with Jerry:
Arthur (65 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Mitsubishi Outlander SEL$165
per month
Gerald (86 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$174
per month
Carlos (68 years old)
$93
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I always shared a good relationship with progressive
Jeffrey
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
I like this insurance a lot
Krista
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason
How to find car insurance discounts in Pennsylvania for your motor vehicle
Car insurance premiums vary depending on the type of vehicle you have. Different repair and replacement costs, theft rates, and safety ratings all play a role in your premium.
In Pennsylvania, drivers of the most popular cars in the state might pay these average rates:
Vehicle type | Average monthly coverage cost |
|---|---|
$107 | |
$125 | |
Jeep Cherokee | $121 |
$105 | |
$111 |
Is it cheaper to insure a new car or a used car?
New vehicles usually have higher insurance costs than older ones. On average, a car that’s 10+ years old costs around $1,516 per year to insure in Pennsylvania. Cars less than 4 years old generally cost an average of $2,162 per year.
Sara (22 years old)
2004 Honda Odyssey EX
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Gordonville, PA$96
per month
Timothy (51 years old)
2003 Chevrolet Suburban K1500
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$115
per month
Jonathan (62 years old)
$78
per month
Curtis (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$115
per month
How to find cheap car insurance in Pennsylvania in your city
Insurance companies use specific algorithms to calculate car insurance rates for each driver. Your premium can vary based on your city and ZIP code. Population density, accident rates, weather patterns, and crime rates are other location factors that influence car insurance rates.
Here’s how your rates could break down based on your location:
ZIP codes | Average monthly coverage cost |
|---|---|
17301 | $58 |
19001 | $77 |
19501 | $78 |
19006 | $134 |
17243 | $219 |
15639 | $221 |
18435 | $222 |
19102 | $229 |
19025 | $249 |
15542 | $277 |
In the table below, discover how Jerry has helped drivers in Pennsylvania find cheap car insurance.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Bensalem, PA | Adele, 29 | Allstate | $132 | Nissan Rogue Sport SV | • 50,000/100,000 Liability • Comp / Collision |
| Philadelphia, PA | Dale, 92 | AAA | $98 | Mazda 6 Grand Touring | • 50,000/100,000 Liability |
| Upper Darby, PA | Agnes, 26 | Safeco | $240 | Infiniti G37 | • 25,000/50,000 Liability • Comp / Collision |
| York, PA | Jared, 24 | Gainsco | $146 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
| Reading, PA | Douglas, 35 | Bristol West | $107 | Chrysler 200 Limited | • State Minimum Liability • Comp / Collision |
| Reading, PA | Bernice, 37 | National General | $106 | KIA K5 EX | • 50,000/100,000 Liability • Comp / Collision |
| Pittsburgh, PA | Johnny, 23 | Dairyland | $299 | Hyundai Elantra SEL | • State Minimum Liability • Comp / Collision |
| Philadelphia, PA | Hulda, 64 | Kemper | $268 | Chevrolet Trax Activ | • State Minimum Liability |
| Philadelphia, PA | Betty, 29 | First Acceptance | $349 | Honda CR-V EX | • State Minimum Liability • Comp / Collision |
Last Updated Sep 14, 2024How to lower the cost of car insurance in Pennsylvania
Jerry’s team of licensed insurance agents has offered some top ways to save on your car insurance premiums:
- Shop around: Compare quotes from at least three different providers.
- Get a bundlingdiscount: Bundle insurance products (e.g., home, auto, renters) for a multi-policy discount.
- Ask for discounts: Uncover your car insurance discount eligibility. Most providers offer driver discounts including good student discounts, customer loyalty discounts, clean driving record discounts, low mileage discounts, and more.
- Raise your deductible: Request a higher deductible for your comprehensive and collision coverage.
- Improve your credit: Drivers with good credit tend to pay lower insurance rates.
- Complete a defensive driving course: A defensive driving course can net you a small discount on your annual premium.
Why is car insurance so expensive in Pennsylvania?
Pennsylvania car insurance rates can be pretty steep for a few reasons:
- Insurance requirements: Pennsylvania is a no-fault state with higher minimum insurance requirements
- Population density: Populous cities like Philadelphia and Pittsburgh see lots of traffic and increased volume on highways
- Increasing rates of uninsured drivers: Pennsylvania’s rate of uninsured drivers grows every year
- Expensive healthcare: Healthcare costs are high in Pennsylvania, with some residents opting out of health insurance
- Rates of car thefts and crime: Pennsylvania saw a 25% increase in car thefts from 2019 to 2020
FAQs
Do you need car insurance in Pennsylvania?
Yes, if you are a Pennsylvania resident with a license and a car, you need car insurance to legally drive your vehicle on Pennsylvania roads.
What happens if you drive without insurance in Pennsylvania?
If you are caught driving without insurance in Pennsylvania, you could face fines starting at $300, a three-month vehicle registration suspension and/or driver’s license suspension, and restoration fees. Consequences for second and third offenses are steeper.
Who has the best cheap car insurance in Pennsylvania?
Jerry’s survey of over 15,000 car insurance policyholders shows there isn’t one insurance provider that offers the best insurance rates to all drivers. Compare quotes from multiple companies to find the provider that offers the best rates for you.
What is the minimum car insurance required in Pennsylvania?
Pennsylvania drivers must carry $5,000 in personal injury protection (PIP), $5,000 in property damage liability per accident, $15,000 in bodily injury liability per person, and $30,000 in bodily injury liability per accident.
Do you need insurance to register a car in Pennsylvania?
Yes, you need a valid insurance card to
register a car in Pennsylvania
. You will also need the vehicle title, your Pennsylvania ID, and payment for registration fees.Can your car get towed for no insurance in Pennsylvania?
If law enforcement catches you driving without insurance in Pennsylvania, they may impound your vehicle. Driving uninsured can result in a $300 fine and a three-month suspension of your license and registration.
Does insurance follow the car or the driver in Pennsylvania?
In Pennsylvania, liability coverage, collision coverage, and comprehensive coverage
follow the car
. Personal injury protection follows the driver. If you permit someone else to use your vehicle, your minimum liability limits will cover the vehicle in case they get into an at-fault accident. Having full coverage will insure that collision insurance will cover any damage to your vehicle, too.
What does full coverage car insurance consist of in Pennsylvania?
Full coverage car insurance in Pennsylvania includes the minimum insurance requirements for liability coverage and personal injury protection, plus comprehensive coverage and collision coverage.
Is uninsured/underinsured motorist (UM/UIM) coverage required in Pennsylvania?
Uninsured/underinsured motorist coverage is not required in Pennsylvania, but it is highly recommended that drivers purchase this additional coverage just in case.
What increases car insurance rates in Pennsylvania?
Car insurance rates may increase for Pennsylvania drivers after speeding tickets, DUI’s, lapses in coverage, or car accidents. Your age, location, and the type of car you drive can also impact your premium.
Can I make changes to my car insurance policy in Pennsylvania?
With most insurance providers in Pennsylvania, you can make changes to your car insurance policy at any time. If you’d like to remove or add coverage, lower or raise your deductibles, or uncover policy discounts, simply contact your provider.
Can you have out-of-state car insurance in Pennsylvania?
You can drive in Pennsylvania with out-of-state car insurance. If you live in Pennsylvania, though, you should have a valid Pennsylvania driver’s license, in-state vehicle registration, Pennsylvania license plates, and Pennsylvania car insurance.
Your standard car insurance policy from any state will typically cover you when you travel in all 50 states and Canada—so if you’re driving in Pennsylvania for a short period, you should be fine with your out-of-state car insurance. Check with your insurance provider for exact rules.
Is PIP required in Pennsylvania?
All car insurance policies in Pennsylvania include personal injury protection (PIP) as mandated by state law.
Can you have both PIP and MedPay in Pennsylvania?
You can have PIP and MedPay in Pennsylvania, but it isn’t necessary to have both. PIP is a state minimum insurance requirement for all drivers, whereas MedPay may be added for extra protection.
There are some notable differences between PIP and MedPay:
- PIP provides coverage for lost wages, which MedPay coverage doesn’t include
- PIP does not entail any payback provision, while MedPay includes a subrogation clause mandating repayment upon receiving compensation from a third party
How long do you have to insure a car in PA?
It is recommended that you buy insurance for a newly purchased car beforehand. You need valid insurance to register a car in Pennsylvania and you also need insurance and registration to legally drive a car on Penn roads. Most insurance providers offer a grace period of two to 30 days after purchasing a new car, but you should get car insurance
before you buy the vehicle
or on the very same day of the purchase.Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
Learn more
about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.