Key Takeaways
- National General, Progressive and Safeco offer some of the cheapest car insurance in Pennsylvania.
- The average cost of car insurance in Pennsylvania is around $130 per month for minimum coverage.
- The best way to get the cheapest car insurance in Pennsylvania is to compare quotes from multiple insurers.
If you’re looking for cheap car insurance in Pennsylvania, check out insurers like National General, Progressive and Safeco. These were among the cheapest insurers in the state, based on policy quotes for real Jerry customers.
We’ve listed more of the cheapest options below for both minimum and full coverage, plus a variety of driving profiles, including age and driving history.
Read more: The cheapest car insurance in Philadelphia
Cheap liability car insurance in PA
Below are the cheapest companies for liability car insurance in Pennsylvania, according to quote data from Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $90 | $1,084 |
| Aspire Advantage | $100 | $1,198 |
| First Acceptance | $113 | $1,359 |
| Embark General | $118 | $1,417 |
| Dairyland | $126 | $1,507 |
| Root | $126 | $1,516 |
| Kemper | $133 | $1,591 |
| Progressive | $136 | $1,629 |
| The General | $139 | $1,670 |
| Gainsco | $140 | $1,677 |
Liability car insurance, or minimum coverage, includes only Pennsylvania’s state-mandated coverage, which includes liability car insurance and medical benefits coverage. Minimum coverage is the most affordable auto insurance you can get, but it only covers others’ costs for injuries or property damage after a crash you cause.
Read more: The cheapest car insurance in Pittsburgh
Cheap full coverage car insurance in PA
Here are the cheapest car insurance companies in Pennsylvania for Jerry customers with full coverage policies.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $203 | $2,432 |
| Progressive | $246 | $2,951 |
| Safeco | $259 | $3,111 |
| Assurance America | $264 | $3,171 |
| National General | $265 | $3,184 |
| Gainsco | $268 | $3,217 |
| Embark General | $285 | $3,421 |
| First Acceptance | $296 | $3,555 |
| Root | $305 | $3,656 |
| Bristol West | $342 | $4,104 |
Minimum liability vs. full coverage in Pennsylvania
Full coverage costs more than a policy with just the state’s mandated minimums, but typically the minimum limits won’t cover all of the costs associated with a serious accident, including medical bills and repairs to property. If you carry the minimum coverage, you would be responsible for expenses that your insurance doesn’t cover.
If you have a loan or lease on 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.
In Pennsylvania, full coverage includes the state’s minimum requirements along with collision and comprehensive coverages. Here’s a breakdown of what these types of car insurance cover:
- Liability insurance: Covers injuries or damage you cause to someone else in an accident.
- Collision coverage: Helps pay for repairs to your vehicle that result from an accident, regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Helps pay for vehicle damage caused by a non-collision event like weather-related incidents, animal damage and theft.
Research the benefits and drawbacks of liability insurance vs. full coverage before you shop to make a confident decision.
Average car insurance costs for young drivers in Pennsylvania
Drivers under the age of 25 pay more for car insurance than more experienced motorists because younger drivers are more likely to cause a car accident. Below are the average monthly and annual car insurance costs for young driver age groups in Pennsylvania, according to quotes from Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $302 | $3,621 |
| 21-24 | $276 | $3,316 |
Cheap liability car insurance in Pennsylvania for a 20-year-old
Young drivers who are looking for the cheapest policy possible may consider minimum coverage, or liability-only car insurance. According to Jerry’s data, 20-year-olds in Pennsylvania pay between $150 to $220 per month for minimum coverage, on average.
Below are the five cheapest car insurance companies in Pennsylvania for a 20-year-old driver.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $107 | $1,289 |
| Embark General | $154 | $1,846 |
| Dairyland | $170 | $2,042 |
| National General | $172 | $2,062 |
| First Acceptance | $177 | $2,119 |
Cheap full coverage in Pennsylvania for a 20-year-old
Full coverage costs more than minimum coverage, but it also pays for damage to your own vehicle up to its market value, minus any deductible.
Below are the five cheapest auto insurance companies in Pennsylvania for full coverage policies for 20-year-old drivers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $411 | $4,929 |
| Root | $414 | $4,968 |
| First Acceptance | $437 | $5,244 |
| Bristol West | $440 | $5,276 |
| The General | $447 | $5,368 |
Average auto insurance costs for mature drivers in PA (25-54)
The cost of car insurance gets more affordable as drivers age and get more experience on the road. Jerry’s data shows that car insurance quotes in Pennsylvania are lower for those between the ages of 45 and 54 than they are for younger drivers.
Here are the average costs of car insurance for mature drivers between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $228 | $2,736 |
| 35-44 | $194 | $2,325 |
| 45-54 | $189 | $2,273 |
Cheapest liability car insurance in Pennsylvania for a 35-year-old
Below are the five cheapest car insurance companies in Pennsylvania for liability car insurance for a 35-year-old, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $87 | $1,043 |
| First Acceptance | $93 | $1,113 |
| Kemper | $101 | $1,216 |
| Dairyland | $103 | $1,239 |
| Gainsco | $112 | $1,347 |
Cheapest full coverage in Pennsylvania for a 35-year-old
Here are the five cheapest auto insurers in Pennsylvania for a 35-year-old driver with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Infinity | $138 | $1,656 |
| Safeco | $174 | $2,092 |
| Progressive | $231 | $2,769 |
| National General | $235 | $2,819 |
| Embark General | $240 | $2,874 |
Average car insurance costs for older drivers in PA (55+)
Typically, the cost of car insurance decreases as drivers age. But once a driver reaches their late 60s and early 70s, rates tend to creep back up again.
Below are average costs of car insurance for ages 55 and up in Pennsylvania.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $178 | $2,140 |
| 65+ | $187 | $2,247 |
Cheapest liability car insurance in Pennsylvania for a 65-year-old
Here are the five cheapest companies in Pennsylvania for 65-year-olds with liability-only coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $79 | $948 |
| The General | $82 | $989 |
| First Acceptance | $91 | $1,091 |
| Dairyland | $94 | $1,129 |
| Safeco | $98 | $1,175 |
Cheapest full coverage in Pennsylvania for a 65-year-old
Below are the five cheapest companies in the state for 65-year-old drivers with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $166 | $1,987 |
| Gainsco | $181 | $2,171 |
| Progressive | $204 | $2,452 |
| Safeco | $250 | $2,998 |
| The General | $323 | $3,878 |
Cheapest car insurance in Pennsylvania by driving history
Your driving history is one of the biggest factors that insurers use to determine how much you’ll pay for car insurance. Pennsylvania drivers with clean records pay less than a driver with a recent at-fault accident.
Cheap car insurance for drivers with clean records in PA
Below are the five cheapest auto insurers for Pennsylvania drivers with clean records, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $84 | $1,006 |
| Progressive | $158 | $1,890 |
| National General | $169 | $2,029 |
| Embark General | $180 | $2,162 |
| First Acceptance | $194 | $2,326 |
Cheapest car insurance with a speeding ticket in PA
Here are the five cheapest car insurance companies for drivers in Pennsylvania with speeding tickets.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Kemper | $148 | $1,772 |
| Embark General | $171 | $2,046 |
| Root | $175 | $2,105 |
| National General | $178 | $2,136 |
| First Acceptance | $181 | $2,174 |
Cheapest car insurance after an at-fault accident with no injury in PA
Below are the five cheapest auto insurers for drivers in the state with at-fault accidents with no injuries on their records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $104 | $1,246 |
| Kemper | $183 | $2,193 |
| National General | $186 | $2,229 |
| Commonwealth Insurance | $203 | $2,430 |
| Progressive | $217 | $2,607 |
Cheapest auto insurance after an at-fault accident with injury in PA
These are the cheapest car insurance companies for drivers in Pennsylvania with at-fault accidents with injuries on their records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $73 | $880 |
| Progressive | $108 | $1,296 |
| First Acceptance | $118 | $1,417 |
| National General | $157 | $1,879 |
| Root | $161 | $1,928 |
Cheapest car insurance with a DUI in PA
Drivers with DUIs on their records are labeled as “high-risk” drivers and can expect their auto coverage costs to increase. Here are the five cheapest auto insurance companies for drivers with DUIs in Pennsylvania.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $116 | $1,388 |
| Gainsco | $133 | $1,601 |
| First Acceptance | $148 | $1,771 |
| Infinity | $166 | $1,986 |
| The General | $172 | $2,059 |
Average auto insurance costs for Pennsylvania drivers with other violations
Below are the average costs of car insurance in Pennsylvania for various other violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $232 | $2,778 |
| Cell Phone | $134 | $1,602 |
| Defective Equipment | $132 | $1,585 |
| Driving on Sus. License | $200 | $2,405 |
| Eluding Police | $348 | $4,173 |
Cheapest auto insurance for low credit scores in PA
Your credit score is factored into how much you’ll pay for car insurance in Pennsylvania. Drivers with low credit scores pay more than those with higher scores. Below are the cheapest auto insurance companies in Pennsylvania for drivers with a credit score of 550 or lower.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $186 | $2,230 |
| Trexis | $190 | $2,276 |
| Gainsco | $202 | $2,421 |
| Embark General | $204 | $2,450 |
| First Acceptance | $205 | $2,460 |
How to find cheap car insurance in Pennsylvania
The best way to get the lowest possible rate is to get quotes from multiple insurers. Other factors that contribute to a low-cost premium include a high credit score, a safe driving record and bundled home and auto insurance policies.
Minimum car insurance requirements in Pennsylvania
In Pennsylvania, the minimum liability requirements are:
- $15,000 in bodily injury liability for injury to one person.
- $30,000 for bodily injury liability for injury to several people in an accident.
- $5,000 for property damage.
Drivers are also required to carry a minimum of $5,000 in medical benefits coverage. This coverage pays for injuries and loss of income if you’ve been injured in an accident.
What happens if I stop paying for car insurance to save money?
You could face serious penalties if you stop paying for car insurance.
In the Keystone State, drivers who let their insurance lapse for 31 or more days could have their driving privileges revoked. Pennsylvania’s Department of Transportation, also known as PennDOT, could suspend your vehicle’s registration for three months, which means your car won’t be legally drivable.
If you’re caught driving uninsured, PennDOT charges a fine along with a fee to restore your registration. Because insurers label drivers with lapsed coverage as “high risk,” you’ll also likely pay a higher car insurance premium in the future.
If you cause a car wreck, you won’t have help from an insurer to pay for any injuries or property damage you cause. This means you’ll be financially responsible to pay those costs out of pocket.
Factors that determine your car insurance premium
Insurers use various factors to calculate your rate, which can include your:
- Age.
- ZIP code.
- Driving history and traffic violations record.
- Type of vehicle.
- Credit score.
- Vehicle usage.
- Claims history.
- Policy deductibles.
- Marital status.
Methodology
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.
Ben Moore is a content strategist 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.
Annie is a content strategist at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
