Cheapest Car Insurance in Pennsylvania (Nov 2024)

Written by Kianna Walpole and 2 others
Dec 18, 2024
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Cheapest Car Insurance in Pennsylvania (Nov 2024)

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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
Has Full Coverage
First Acceptance $46 Genevieve, 39, Morrisville, PA Jeep Grand Cherokee Limited State Minimum No
Progressive $85 Kenneth, 27, Bethlehem, PA Nissan Versa No Sr State Minimum No
Safeco $667 Christopher, 36, Philadelphia, PA Tesla Model Y 50/100 Yes
National General $82 Abbie, 29, Northampton, PA Bmw 535Xi State Minimum No
First Acceptance $333 Frances, 34, Philadelphia, PA Kia Soul + State Minimum Yes
Last Updated Dec 24, 2024

Cheapest 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 CompanyDateCost rating (out of 5)What our customer said:
AllstateOctober 21, 20245“Never really have issues, they always work with me to get the best price possible for my insurance” – Owen
Bristol West October 21, 20245“I’m brand new to the Bristol West insured crew. They have been the cheapest and most accommodating insurance company” – Jayden
AAAOctober 17, 20245“AAA is great and is always there when you need them. Affordable pricing & great for young drivers!!” – Jon
Amica October 16, 20245“They have the cheapest rates for me” – Frances
The General October 12, 20243“Not very good with customer service” – Lettie

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.


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.

KEEP IN MIND:

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
Has Full Coverage
Insurance Company
Premium (monthly)
Customer
Car
State Minimum No First Acceptance $46 Genevieve, 39, Morrisville, PA Jeep Grand Cherokee Limited
State Minimum No Progressive $85 Kenneth, 27, Bethlehem, PA Nissan Versa No Sr
50/100 Yes Safeco $667 Christopher, 36, Philadelphia, PA Tesla Model Y
State Minimum No National General $82 Abbie, 29, Northampton, PA Bmw 535Xi
State Minimum Yes First Acceptance $333 Frances, 34, Philadelphia, PA Kia Soul +
Last Updated Dec 24, 2024

Pennsylvania car insurance: Additional coverages

Pennsylvania drivers can also add the following types of car insurance to their policies:

  • Medical payments
  • Income loss
  • Uninsured/underinsured motorist
  • Towing and labor
  • Rental reimbursement coverage

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.


Car insurance premium by rating factors

Based on your provider, your insurance rate in Pennsylvania will depend on several factors, including:

  • Your driving record and claims history: Car accidents and tickets tend to result in higher rates.
  • Where you keep your car: Your location and garaging/parking address will impact your premiums. Drivers who live in populous cities typically pay more for insurance, and ZIP codes within a city can also impact rates.
  • The kind of car you have: Luxury vehicles, sports cars, and high-performance vehicles will incur higher costs for collision and comprehensive coverage.
  • How you use your car: Drivers who use their car for leisure typically pay less than drivers who take their car to and from work.

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
Liability Limits
Has Full Coverage
Speeding 1-5 National General $113 Mike, 23, Harrisburg, PA State Minimum No
Speeding 16-20 Bristol West $70 Jesus, 32, Wilkes Barre, PA State Minimum No
Speeding 1-5 Embark General $239 Lottie, 48, Oakdale, PA 50/100 Yes
Speeding 1-5 Progressive $54 Joel, 25, Warriors Mark, PA State Minimum No
Speeding 1-5 Bristol West $416 Marian, 25, Allentown, PA 50/100 Yes
Last Updated Dec 24, 2024

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.

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
  • Reckless driving

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
Has Full Coverage
Not At Fault First Acceptance $46 Genevieve, 39, Morrisville, PA State Minimum No
At Fault With No Injury National General $82 Abbie, 29, Northampton, PA State Minimum No
Not At Fault First Acceptance $333 Frances, 34, Philadelphia, PA State Minimum Yes
At Fault With No Injury Progressive $217 Jerry, 49, Cresco, PA State Minimum No
Not At Fault Embark General $344 Seth, 40, Yardley, PA State Minimum Yes
Last Updated Dec 24, 2024

FAQ

  • Is Pennsylvania an at-fault state?

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
Liability Limits
Has Full Coverage
Suspension National General $82 Abbie, 29, Northampton, PA State Minimum No
Defective Equipment Progressive $47 Effie, 38, Wilkes Barre, PA State Minimum No
Operating Vehicle without Permission Progressive $217 Jerry, 49, Cresco, PA State Minimum No
Defective Equipment National General $66 Isabelle, 39, Lancaster, PA State Minimum No
Failure to Obey Signal First Acceptance $248 Stephen, 67, Bethlehem, PA 50/100 Yes
Last Updated Dec 24, 2024

Cheapest 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.


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 Range
Insurance Company
Premium (monthly)
Customer
Car
Liability Limits
Has Full Coverage
550-659 First Acceptance $46 Genevieve, 39, Morrisville, PA Jeep Grand Cherokee Limited State Minimum No
660-750 Progressive $85 Kenneth, 27, Bethlehem, PA Nissan Versa No Sr State Minimum No
660-750 Safeco $667 Christopher, 36, Philadelphia, PA Tesla Model Y 50/100 Yes
550-659 National General $82 Abbie, 29, Northampton, PA Bmw 535Xi State Minimum No
550-659 First Acceptance $333 Frances, 34, Philadelphia, PA Kia Soul + State Minimum Yes
Last Updated Dec 24, 2024

Cheapest 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.


Learn More: The best cheap car insurance for teens


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:


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 TypeAverage monthly coverage cost
Honda CR-V$107
Toyota RAV4$125
Jeep Cherokee$121
Honda Civic$105
Honda Accord$111

Learn More: How to get car insurance before buying a car


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 $1,517 per year to insure in Pennsylvania. Cars less than 4 years old generally cost an average of $2,168 per year.


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 CodesAverage 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
Has Full Coverage
Morrisville, PA Genevieve First Acceptance $46 Jeep Grand Cherokee Limited State Minimum No
Bethlehem, PA Kenneth Progressive $85 Nissan Versa No Sr State Minimum No
Philadelphia, PA Christopher Safeco $667 Tesla Model Y 50/100 Yes
Northampton, PA Abbie National General $82 Bmw 535Xi State Minimum No
Philadelphia, PA Frances First Acceptance $333 Kia Soul + State Minimum Yes
Last Updated Dec 24, 2024

How 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:

  1. Shop around: Compare quotes from at least three different providers.
  2. Get a bundling discount: Bundle insurance products (e.g., home, auto, renters) for a multi-policy discount.
  3. 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.
  4. Raise your deductible: Request a higher deductible for your comprehensive and collision coverage.
  5. Improve your credit: Drivers with good credit tend to pay lower insurance rates.
  6. 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

FAQ

  • Do you need car insurance in Pennsylvania?
  • What happens if you drive without insurance in Pennsylvania?
  • Who has the best cheap car insurance in Pennsylvania?
  • What is the minimum car insurance required in Pennsylvania?
  • Do you need insurance to register a car in Pennsylvania?
  • Can your car get towed for no insurance in Pennsylvania?
  • Does insurance follow the car or the driver in Pennsylvania?
  • What does full coverage car insurance consist of in Pennsylvania?
  • Is uninsured/underinsured motorist (UM/UIM) coverage required in Pennsylvania?
  • What increases car insurance rates in Pennsylvania?
  • Can I make changes to my car insurance policy in Pennsylvania?
  • Can you have out-of-state car insurance in Pennsylvania?
  • Is PIP required in Pennsylvania?
  • Can you have both PIP and MedPay in Pennsylvania?
  • How long do you have to insure a car in PA?

MEET OUR EXPERTS
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Kianna Walpole

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.

meet-experts-thumbnail
Sarah Gray

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.

meet-experts-thumbnail
Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.


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.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.