Compare Best Cheap Car Insurance Quotes in Pennsylvania, 2022

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The average cost of basic liability car insurance in Pennsylvania is $2,553 per year. Opting for full-coverage car insurance in Pennsylvania will leave you with an average cost of $2,864 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.

Best Car Insurance Companies in Pennsylvania

If you’re looking for insurance companies in Pennsylvania, you won’t have to look very hard. There are plenty of insurers offering reliable coverage. While State Farm, GEICO, and Progressive are some of the top picks, you’ll want to explore your options to find the best company for you.
Insurers set premiums based on a multitude of factors, but they all weigh those factors a little differently. This means that requesting quotes from three different insurance companies will probably get you three very different rates—even for the same coverage.
With Jerry, you can shop from over 50+ top insurance companies in under a minute, including Nationwide, State Farm, and more. Don’t be stuck with one carrier when you move—know that you have options with Jerry. We’ll help you find the best rates and a policy that meets your needs.

Compare best car insurance quotes in Pennsylvania

Your car insurance rates could be dramatically different based on your zip code, age, driving history, and other factors. This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy.
All you need to do is answer a few short questions and Jerry will generate competitive rates from more than 50 top providers. After you tailor your policy options and make your pick, Jerry takes care of the rest—switching you to your new policy, helping to cancel your old one, and sending you new quotes before every renewal. Here are some real quotes and savings from customers in Pennsylvania who switched with Jerry:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
September 30, 2022Toyota RAV4YorkMicheal S.31Progressive$220/mo.$69/mo.
September 14, 2022Hyundai Accent SEErieAbbie H.35Progressive$194/mo.$103/mo.
September 24, 2022Subaru Outback 2.5I LimitedPhiladelphiaRichard H.49Progressive$300/mo.$142/mo.
September 12, 2022Bmw 335 XIPhiladelphiaTom E.35AAA$217/mo.$161/mo.
September 14, 2022Dodge Challenger R/T Scat PackHarrisburgJared L.40Bristol West$279/mo.$228/mo.
22 people from Jerry switched with Jerry to Mercury in the past 14 days.
Last updated 2 hours ago
Chad from Ruffs Dale switched with Jerry to Gainsco and saved $971
2 hours ago
Clyde from Mill Village switched with Jerry to Encompass and saved $982
2 hours ago

How much does car insurance cost in Pennsylvania?

Why is car insurance expensive in Pennsylvania? A few key things are responsible:
  • No-fault state with fairly high minimum insurance requirements
  • High population density with an average of 284 people per square mile
  • Inclement weather can cause a rise in claims, especially in the winter
But that doesn’t mean affordable insurance is impossible to find! The car insurance comparison and licensed broker app Jerry is your best bet for finding great insurance rates without any of the usual hassles.
Jerry compares rates from dozens of top insurance providers to find you the best deals. And once you make your pick, Jerry handles all the paperwork, calls, and even cancels your old policy so that you don’t have to worry about it.
 Here’s a rundown of what you need to know about car insurance in Pennsylvania.
The graph below breaks down what goes into your car insurance costs in Pennsylvania, depending on whether you’ve gone with full-coverage insurance or just purchased the minimum amount required by Pennsylvania law.
All but two states have insurance minimums that you must meet before you can legally drive. In Pennsylvania, you need at least the following: a minimum bodily injury liability coverage of $15,000 per person and $30,000 per accident, $5,000 in property damage liability per accident, and personal injury protection coverage.
Pennsylvania only requires liability and PIP insurance, which protects other drivers or your own injuries in the event of a crash. Full-coverage insurance, on the other hand, includes comprehensive and collision insurance, which will pay for your medical expenses and repairs due to a range of incidents, from car theft to a collision.
Take a look at the graph below to understand how much you’re paying for each.

Why is full coverage insurance so expensive in Pennsylvania?

Best car insurance for bad drivers in Pennsylvania

When insurers want to know about your risk level on the road, they look at your driving record. A spotty record with accidents, speeding tickets, and serious offenses like DUIs will have you labeled high risk and increase your Pennsylvania 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.
 So, can you save money on car insurance if you have driving violations? It’s possible. The best way to find savings is by comparison shopping with Jerry.

Car Insurance Cost by Violation Type:

Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,737$899
Speeding over 15$3,071$1,163
Speeding under 15$3,020$1,075
Driving on Sus. License$2,773$1,021
Seat Belt$2,937$999
Careless Driving$3,028$986
Defective Equipment$2,895$954
Failure to Obey Traffic Sign$2,856$947

Pennsylvania Driving Violation FAQ's

Insurance Cost With a DUI in Pennsylvania
If you get a DUI in Pennsylvania, you can expect your car insurance to increase to an average of $373 per month.
Read Pennsylvania DUI Information:
Insurance Cost With a Reckless Driving Citation in Pennsylvania
If you have a reckless driving citation, you should expect your insurance to increase to an average of $211.36 per month.
Read Pennsylvania Reckless Driving Information:
Ticket Costs in Pennsylvania
Speeding tickets in Pennsylvania start at $35, plus $2 for every mile in excess of five miles above the speed limit. Speeding in areas where the limit is higher than 65 mph will result in a base fine of $42.50, plus $2 for every mile in excess of five miles above the speed limit. If the infraction took place in a school or construction zone, the fine could be up to $500.
Read Pennsylvania Speeding Ticket Information:
DUI Arrest Rates in Pennsylvania
Pennsylvania has higher DUI arrests than the national average, with 487 DUI arrests per 100,000 people.
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Cost to insure your car in Pennsylvania by age

Insurers value experience—something that young drivers lack. And since young drivers are some of the riskiest and most accident-prone on the road, insurance premiums for them tend to be sky-high.
 What young drivers in Pennsylvania need to know
  • Pennsylvania has a three-step graduated licensing program that helps reduce the risk while new drivers under the age of 18 develop and improve their driving skills
  • Taking a defensive driving course can reinforce safe driving behaviors and secure lower insurance premiums
  • Maintaining a good average can qualify student drivers for a good student discount
While most young drivers won’t be eligible for low premiums like their parents, shopping around and maintaining a clean driving record can go a long way to finding more affordable rates.

Affordable car insurance in Pennsylvania for young drivers:

Pennsylvania drivers between the ages of 25-34 are most likely to be involved in fatal accidents. Statistics show that men are more likely than women to be in a fatal car accident. which is factored into insurance rates by providers. Pennsylvania takes teenage driver safety seriously—and it shows. The state ranks 23rd for teenage driver safety, which makes it a good state for teen drivers.
Young drivers also have higher rates than their more experienced counterparts, but by applying for discounts, shopping around, and maintaining a clean driving record, drivers under 25 can save money on car insurance.
If you’re a driver under 25 in Pennsylvania, you could be paying much more per month than an adult driver. These are average rates for Jerry customers in Pennsylvania broken down by age.

Cost to insure your car in Pennsylvania by city

Almost 13 million people reside in Pennsylvania, the ninth most densely populated state with about 284 people per square mile. It’s home to some pretty major urban centers, including Philadelphia and Pittsburgh.
The state also experiences some severe weather that results in insurance claims, such as winter storms and rainstorms that cause flooding.
Where you live in the state matters to insurance companies since it speaks to your likelihood of submitting a claim. Drivers in cities typically pay more than those in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Here’s a more specific breakdown of insurance prices for Jerry across Pennsylvania:
Average Cost
Annual Savings with Jerry

Pennsylvania City Car Insurance FAQs:

Least Expensive Cities in Pennsylvania
State College is the cheapest city for car insurance in Pennsylvania. Drivers in State College can expect an average premium of $537 per year.
City With Highest Rates of Accidents in Pennsylvania
Erie has the highest accident rates in Pennsylvania, as 13.38% of drivers in Erie already have a prior at-fault accident on their record. Erie’s rate of drivers with an at-fault accident on their record is 1.37x higher than the state average. This is one factor that can influence car insurance rates.
Read Pennsylvania Accident Information:
Cities With the Longest Commute Times in Pennsylvania
At an average of 65.6 minutes, Saw Creek has the highest amount of time of commuting in Pennsylvania. Long commutes equate to more miles on your vehicle and an increased risk of accidents—both of which can raise your rates.
Read Commuting Insurance Information:

Cost to insure your model car in Pennsylvania

The type of car you drive can also affect your premium. Generally speaking, relatively inexpensive cars have lower insurance premiums because they cost less to repair or replace if you’re in an accident.
So if you drive a fairly standard vehicle such as a Chevrolet Aveo or Dodge Ram 1500, you’ll probably find reasonable rates for your insurance coverage.
On the other hand, if you’re looking to insure something like a Jaguar F-Type or Hummer H3 Luxury, be prepared for high rates since these types of vehicles have high MSRPs.
Most Popular Car in Pennsylvania
The most popular vehicle in Pennsylvania is the Honda CR-V. On average, CR-V drivers can expect to pay $1,100 a year for car insurance. CR-V owners can use Jerry to save money on their car insurance expenses.
Best Fuel Efficient Non-Hybrid Vehicle Pennsylvania
If you’re not sold on a hybrid, the Mitsubishi Mirage is a great alternative, with 36 mpg in the city and 43 mpg on the highway.
Best Fuel Efficient Hybrid Vehicle Pennsylvania
The most fuel efficient hybrid is the 2022 Hyundai Ioniq, which boasts an impressive 58 city mpg and 60 mpg on the highway.
Least Expensive Car to Maintain Pennsylvania
The Toyota Prius costs about $4,000 in maintenance for a ten-year period, which means drivers can reduce their total cost of living with a Prius.
Most Expensive Car to Maintain Pennsylvania
Over a ten-year period, the BMW X1 can total over $15,000 in maintenance costs—be prepared for pricey car maintenance if you own an X1.
Read more about your BMW X1:

What are the car insurance requirements in Pennsylvania?

Most states have minimum insurance requirements that you must meet to hit the road.
In Pennsylvania, drivers need $5,000 in personal injury protection (PIP) and $5,000 in property damage liability per accident. Additionally, Pennsylvania drivers are required to hold bodily injury liability insurance at $15,000 per person and $30,000 per accident.
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Proof of insurance, sales tax payment, a valid ID and your car title or lease agreement is also required to register your vehicle
Yes, Pennsylvania is a no-fault state. No one is considered “at-fault” in an accident. Instead, drivers are required to carry $5,000 in personal injury protection (PIP) per person as a way to cover themselves in an accident.
However, liability and PIP insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
  • Liability coverage
  • Uninsured/underinsured motorist coverage
  • Collision coverage
  • Comprehensive coverage
Purchasing more than the minimum required insurance is usually a good idea. While liability coverage protects others if you’re involved in an at-fault accident, it won’t protect your vehicle.
Considering these risk factors, here are some additional coverages that would serve drivers in Pennsylvania well:
Pennsylvania has a large number of accidents each year and a relatively high population, so roadways are often busy. All of those factors will raise insurance rates in the state.
Read more about Pennsylvania Traffic:
15,474 Pennsylvania vehicles were stolen in 2020. The only way to cover a stolen vehicle is with comprehensive coverage insurance.
In Pennsylvania, 6% of drivers are uninsured. Uninsured/underinsured motorist coverage will help you to stay covered if you’re in an accident with an uninsured driver.
Read information about uninsured drivers:
Pennsylvania drivers rank their roads a 5.61/10. With poor road quality and bad maintenance, it’s a good idea to get roadside assistance in case any bad road conditions leave you stranded.

How to save money on car insurance in Pennsylvania

Whether you live in Philly or a rural area like Farmington, it’s always nice to find savings on your insurance premium. Here are some simple things you can do to bring your rates down.

Shop around for quotes

Shopping around is the best (but not always the easiest!) way to find lower rates. Using an app like Jerry makes it effortless. 
Jerry is the super app that helps you save time and money on your car expenses, including insurance. You just need to sign up and answer a few questions, and then Jerry gathers quotes from dozens of insurance companies in your area to find the best deals. Once you pick a policy, Jerry will finalize all the details and even help cancel your old one.
The average Jerry customer saves $879 per year on car insurance!

Look for discounts

Most insurance companies have a wealth of discounts available to policyholders. And if you qualify for more than one, they might even let you stack them for increased savings.
Here are some of the most popular ones for drivers in Pennsylvania:
Clean Driving Record Discounts
People with clean driving records, who don’t make claims as often and are less likely to be in an accident receive a state mandated discount. Because of this, insurance companies will give drivers with clean driving records discounted rates.
Bundling Discounts
The state of Pennsylvania requires customers who bundle multiple kinds of insurance, such as car, home, and renters, to be eligible for bundling discounts.
Marital Discount
Married drivers are statistically less likely to be in an accident. If you’re a married driver, you could get discounted insurance rates.

Increase your deductible

Increasing your deductible—the amount you pay before insurance—is another way to keep monthly premiums low.
A higher deductible would mean that you’d pay more out of pocket if you make a claim, but you could save money if you don’t think that’s likely. However, it’s important to make sure that you can afford to pay the full deductible each time you would need to file.
Here's what you need to know about
car insurance in Pennsylvania:
  • Pennsylvania requires $22 less in coverage than the national average
  • Pennsylvania residents can save money on car insurance by using Jerry
  • Quote comparison services are a fast, free, and easy way to find the best car insurance quotes for you
  • Minimum liability coverage in Pennsylvania follows the 15/30/5 rule. Drivers in Pennsylvania need bodily injury liability coverage of $15,000 per person and $30,000 per accident, as well as $5,000 in property damage liability per accident.

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