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 |
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 Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Allstate | October 21, 2024 | 5 | “Never really have issues, they always work with me to get the best price possible for my insurance” – Owen |
| Bristol West | October 21, 2024 | 5 | “I’m brand new to the Bristol West insured crew. They have been the cheapest and most accommodating insurance company” – Jayden |
| AAA | October 17, 2024 | 5 | “AAA is great and is always there when you need them. Affordable pricing & great for young drivers!!” – Jon |
| Amica | October 16, 2024 | 5 | “They have the cheapest rates for me” – Frances |
| The General | October 12, 2024 | 3 | “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.
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 + |
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 |
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 |
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 |
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 |
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 Type | Average 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 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
|
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 |
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:
- Shop around: Compare quotes from at least three different providers.
- Get a bundling discount: 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
FAQ
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Do you need car insurance in Pennsylvania?
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What happens if you drive without insurance in Pennsylvania?
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Who has the best cheap car insurance in Pennsylvania?
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What is the minimum car insurance required in Pennsylvania?
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Do you need insurance to register a car in Pennsylvania?
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Can your car get towed for no insurance in Pennsylvania?
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Does insurance follow the car or the driver in Pennsylvania?
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What does full coverage car insurance consist of in Pennsylvania?
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Is uninsured/underinsured motorist (UM/UIM) coverage required in Pennsylvania?
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What increases car insurance rates in Pennsylvania?
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Can I make changes to my car insurance policy in Pennsylvania?
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Can you have out-of-state car insurance in Pennsylvania?
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Is PIP required in Pennsylvania?
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Can you have both PIP and MedPay in Pennsylvania?
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How long do you have to insure a car in PA?
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 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.
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.
