The Cheapest Car Insurance in Pennsylvania for 2022 |
The Cheapest Car Insurance in Pennsylvania for 2022 |

The Cheapest Car Insurance in Pennsylvania for 2022 |


GEICO is the cheapest caller for state-minimum coverage in Pennsylvania, while Erie offers the most low-cost full-coverage car policy in the state. however, other factors besides affect rates, such as coverage sum, driving history, age and credit rating score. state farm delivers the lowest average rate for a Pennsylvania driver with a DUI on their commemorate. USAA offers the most low-cost liability-only and full-coverage policies in Pennsylvania, but alone current and retire military members and their families qualify for its coverage. For those looking for an even more local solution, we besides broke down the cheap companies by city, arsenic well as the best cable car indemnity companies in Pennsylvania for those looking to balance quality overhaul and price. To find out how MoneyGeek calculated the cheapest cable car policy in Pennsylvania, read our methodology.

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The Cheapest Car Insurance in Pennsylvania

Cheapest Minimum Liability Car Insurance in Pennsylvania

Getting a liability-only coverage policy, which merely meets the state minimum car indemnity requirements, is the most low-cost car insurance choice in Pennsylvania. Based on MoneyGeek ’ s sketch, the most low-cost minimum coverage car indemnity in Pennsylvania are from :

  • GEICO: $543 per year
  • Erie: $571 per year

If you or a family member are in the military, you qualify for USAA coverage, which would be the cheapest option in the state of matter at an average of $ 374 per year. interim, MetLife has the most expensive annual average rate at $ 1,715 .

Cheapest Minimum Car Insurance in Pennsylvania
  • company per annum monthly
  • 1 .USAA $ 374 $ 31
  • 2 .GEICO $ 543 $ 45
  • 3 .Erie $ 571 $ 48
  • 4 .State Farm $ 652 $ 54
  • 5 .Travelers $ 825 $ 69
  • 6 .Allstate $ 835 $ 70
  • 7 .Nationwide $ 919 $ 77
  • 8 .Esurance $ 1,061 $ 88
  • 9 .Progressive $ 1,084 $ 90
  • 10 .MetLife $ 1,715 $ 143

These prices are only estimates based on rates for an average Pennsylvania driver and should not be used to compare indemnity prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Pennsylvania

Pennsylvania drivers who have a full coverage policy with higher liability limits and comprehensive and collision indemnity have the assurance that they are protected against road and off-road accidents. While this policy costs more than minimal coverage, it provides protective covering against if your car gets damaged after an accident. The best way to find the most accurate policy is to compare multiple quotes from respective car insurers. Based on average rates for Pennsylvania drivers with wax coverage, the cheapest car policy companies are :

  • Erie: $1,328 per year
  • Travelers: $1,330 per year

For military personnel, USAA has the most low-cost average annual rate of $ 991. MetLife has an average rate of $ 2,753 per class for a entire coverage policy, making it the most expensive option .

Cheapest Full Coverage Car Insurance in Pennsylvania
  • ship’s company annually monthly
  • 1 .USAA $ 991 $ 83
  • 2 .Erie $ 1,328 $ 111
  • 3 .Travelers $ 1,330 $ 111
  • 4 .GEICO $ 1,344 $ 112
  • 5 .State Farm $ 1,370 $ 114
  • 6 .Nationwide $ 1,771 $ 148
  • 7 .Allstate $ 1,824 $ 152
  • 8 .Esurance $ 2,097 $ 175
  • 9 .Progressive $ 2,589 $ 216
  • 10 .MetLife $ 2,753 $ 229

car indemnity rates depend on individualize factors, so your premium will not be the lapp as any of the examples provided. These rates are based on a comprehensive and collision insurance policy that allows a driver to claim up to $ 100,000 for bodily injury per person, $ 300,000 for bodily wound per accident and $ 100,000 for property damage per accident.

How to Compare Cheap Pennsylvania Car Insurance Quotes Online

Most car policy companies in Pennsylvania provide access to reasonably accurate quotes through tools on their websites .

  • Always be consistent about coverage limits. If the basis for one quote is $300,000 in bodily liability insurance per accident, then you should use that same number with all insurers.
  • You can obtain quotes online through most insurance providers in Pennsylvania. Use MoneyGeek’s auto insurance calculator to compare rates for an average driver. For a personalized quote, you’ll need to contact insurance providers directly. You may also use the price data presented by MoneyGeek to help you figure out which company’s websites you will visit.
  • The cheapest companies in Pennsylvania are USAA, GEICO and Erie. You can start your search for the best auto insurance by asking for quotes from these insurers.

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state pennsylvania age 30-65 drive record clean credit sexual conquest excellent Vehicle Type compact Vehicle year 2020 Liability Coverage country Min Comprehensive and Collision Insurance none sex female

Average Annual Auto Insurance Rates

Click the section of the bicycle in your price roll to see options. low end on median high end Click your prefer price range to see company options. Click an insurance company below to visit their revue page or continue to your personalized quotation mark. company modal annual Rates 1 .USAA $ 376 2 .GEICO $ 545 3 .Erie $ 574 4 .State Farm $ 655

Cheapest Car Insurance for Drivers With a DUI in Pennsylvania

policy providers in Pennsylvania agitate higher rates for drivers who have violations like a DUI, which means car policy for bad drivers can get very expensive. In Pennsylvania, the median price of car insurance for a driver with a DUI is $ 3,204 per class. A driver with a clean criminal record typically pays $ 1,818 per year. The cheapest car indemnity for a driver with a DUI and full coverage in Pennsylvania are :

  • State Farm: $1,494 per year
  • Allstate: $1,824 per year

If you have a military affiliation, USAA ‘s average annual rate of $ 1,322 for Pennsylvania drivers with a DUI is probably your most low-cost option .

Average Car Insurance Rates With a DUI
  • company annually monthly
  • 1 .USAA $ 1,322 $ 110
  • 2 .State Farm $ 1,494 $ 125
  • 3 .Allstate $ 1,824 $ 152
  • 4 .Erie $ 2,031 $ 169
  • 5 .Esurance $ 2,501 $ 208
  • 6 .Travelers $ 2,843 $ 237
  • 7 .Progressive $ 2,936 $ 245
  • 8 .Nationwide $ 3,013 $ 251
  • 9 .GEICO $ 4,537 $ 378
  • 10 .MetLife $ 7,847 $ 654

Driving under the influence ( DUI ) carries a dramatic hazard for your life and companion drivers on the road. In Pennsylvania, 1.8 % of adults admitted to driving after drinking besides much within the by 30 days in a survey by the Centers for Disease Control and Prevention ( CDC ). 3,697 people in Pennsylvania were killed in alcohol-related crashes between 2009 and 2018. The legal consequences of a DUI in Pennsylvania vary based on a driver ’ s blood alcohol contented ( BAC ). It is illegal to drive with a BAC of .08 % or higher. First-time offenders face six months of probation, a $ 300 very well, but get to keep their license. If your BAC is higher than .10 %, the punishment is much more severe with imprison time and your license will be suspended. Check out the above postpone for estimates on what to expect if you get a DUI in Pennsylvania. A DUI citation can have a significant impact on your finances. Along with legal and woo fees, you can expect your cable car insurance cost to rise. In some cases, your insurance rates could double nightlong after a DUI because insurers will immediately label your coverage as bad. In Pennsylvania, a license suspension is a valid reason for an insurance company to cancel your policy. If that happens, you ’ ll need to look for coverage from a different company. Getting free quotes from multiple companies will help you find the cheapest car indemnity with a DUI in Pennsylvania. If you struggle to find coverage after a DUI, Pennsylvania offers an Assigned risk plan. This commonwealth-sponsored car insurance ensures bad drivers have coverage and the hazard is shared across multiple providers.

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Cheapest Car Insurance in Pennsylvania for Drivers With an At-Fault Accident

In Pennsylvania, if an insurance company deems you “ at-fault ” in an accident, your policy premiums will about decidedly get up. On average, a driver with an at-fault accident on their record pays $ 2,919 for their policy. The following two companies provide the cheap car policy in Pennsylvania for drivers with an at-fault accident history, on average :

  • State Farm: $1,619 per year
  • Erie: $1,706 per year

While USAA offers the lowest annual average bounty in the state of matter of $ 1,394, their products are entirely available to current and previous military members, deoxyadenosine monophosphate well as their families .

Cheapest Car Insurance With an At-Fault Accident
  • company per annum monthly
  • 1 .USAA $ 1,394 $ 116
  • 2 .State Farm $ 1,619 $ 135
  • 3 .Erie $ 1,706 $ 142
  • 4 .Travelers $ 2,181 $ 182
  • 5 .Allstate $ 2,350 $ 196
  • 6 .GEICO $ 2,561 $ 213
  • 7 .Nationwide $ 2,612 $ 218
  • 8 .Esurance $ 3,141 $ 262
  • 9 .Progressive $ 4,277 $ 356
  • 10 .MetLife $ 7,655 $ 638

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Cheapest Car Insurance for Drivers With Tickets in Pennsylvania

even a minor driving violation, such as a ticket, can increase your cable car indemnity rate in Pennsylvania. The average price for drivers with a accelerate ticket is $ 2,141 per annum. That is $ 323 more than the median annual rate for drivers with a clean read, which is $ 1,818. The cheapest car insurance companies in Pennsylvania for a driver with a accelerate ticket and full coverage are :

  • Erie: $1,378 per year
  • State Farm: $1,494 per year

If you or a kin member are in the military, you can purchase coverage from USAA, which offers policy for Pennsylvania drivers with tickets for just $ 1,104 per year on average .

Average Car Insurance Rates With a Ticket
  • company annually monthly
  • 1 .USAA $ 1,104 $ 92
  • 2 .Erie $ 1,378 $ 115
  • 3 .State Farm $ 1,494 $ 125
  • 4 .GEICO $ 1,567 $ 131
  • 5 .Allstate $ 1,824 $ 152
  • 6 .Travelers $ 2,181 $ 182
  • 7 .Esurance $ 2,199 $ 183
  • 8 .Nationwide $ 2,236 $ 186
  • 9 .Progressive $ 2,642 $ 220
  • 10 .MetLife $ 3,656 $ 305

According to the National Highway Traffic Safety Administration, Pennsylvania has one of the worst rates for distract driving. In 2018, distracted drive accounted for 1,103 crashes in the country. Both distracted tug and travel rapidly is considered hazardous driving demeanor by car insurance companies and may increase your rates. In Pennsylvania, the law prohibits drivers from interacting with any wireless device, including texting, emailing or browsing the internet. While drivers face a $ 50 ticket in Pennsylvania for distracted drive, the misdemeanor does not appear on any driver records. however, there are now tougher penalties for crashes caused by texting while driving, including two years in jail. Clearing your record of a distracted drive doss will take some time. In the meanwhile, your insurance rates will increase. Finding bum car policy rates with a ticket in Pennsylvania is possible with inquiry. You should get multiple quotes and ask if there are ways you can lower your rate, like taking a driver ’ sulfur education run.

Cheapest Car Insurance Companies in Pennsylvania for Drivers With Bad Credit

Drivers with hapless credit scores in Pennsylvania have higher rates than those with healthy credit rating scores. The average annual rate for drivers with badly accredit is $ 3,301. The average monetary value for drivers with good scores is $ 1,818 per year. MoneyGeek ’ s discipline shows that the cheap car indemnity companies in Pennsylvania for a full coverage policy if you have badly credit are :

  • Nationwide: $1,906 per year
  • GEICO: $2,095 per year

For military members and their families, USAA ‘s average annual rate of $ 1,529 is the most low-cost for a Pennsylvania driver with bad credit .

Average Car Insurance Rates for Drivers With Bad Credit
  • company annually monthly
  • 1 .USAA $ 1,529 $ 127
  • 2 .Nationwide $ 1,906 $ 159
  • 3 .GEICO $ 2,095 $ 175
  • 4 .Travelers $ 2,427 $ 202
  • 5 .State Farm $ 2,718 $ 227
  • 6 .Erie $ 3,220 $ 268
  • 7 .Allstate $ 3,365 $ 280
  • 8 .Esurance $ 4,580 $ 382
  • 9 .Progressive $ 4,873 $ 406
  • 10 .MetLife $ 5,994 $ 500

How creditworthy you are with your finances is a factor cable car indemnity companies use to determine your rates. If you have a high credit score, they believe you will have fewer claims and will offer you a lower rate. This effect is the opposite for people with low credit scores. Pennsylvania allows insurers to increase rates when writing new policies, but they can not use your credit score to affect renewals. According to Experian, Pennsylvania has an average credit mark of 713. That ’ s slenderly above the national average of 703. Check out the above table for estimates of what drivers in Pennsylvania will pay for car policy if they have bad credit. If you have a lower recognition mark, your quotes will likely reflect that with higher rates. To lower your rates, double-check your accredit report. If there are errors, influence to fix them adenine soon as potential and then reevaluate with your insurance party. solve with a few indemnity companies and ask if and how they use your recognition report. Bad credit will impact your rates more with some insurers than with others, so get several personalized quotes to find low-cost car policy with badly recognition.

Cheapest Car Insurance in Pennsylvania for Seniors

senior drivers in Pennsylvania tend to have slightly higher cable car policy rates than young adults and middle-aged drivers. typically, senior drivers in Pennsylvania pay an modal of $ 1,881 per class. That is $ 63 more than the annual average rate of $ 1,818 for a 40-year-old driver. The cheapest cable car indemnity companies in Pennsylvania for elder drivers with broad coverage are :

  • State Farm: $1,318 per year
  • GEICO: $1,396 per year

For those of you in military families, USAA has the lowest average annual rate for Pennsylvania seniors at $ 1,054 .

Average Car Insurance Rates for Seniors
  • company annually monthly
  • 1 .USAA $ 1,054 $ 88
  • 2 .State Farm $ 1,318 $ 110
  • 3 .GEICO $ 1,396 $ 116
  • 4 .Erie $ 1,408 $ 117
  • 5 .Nationwide $ 1,733 $ 144
  • 6 .Travelers $ 1,743 $ 145
  • 7 .Allstate $ 1,913 $ 159
  • 8 .Esurance $ 2,441 $ 203
  • 9 .MetLife $ 2,536 $ 211
  • 10 .Progressive $ 2,584 $ 215

There are enough of options for cheap car insurance for seniors in Pennsylvania. Senior drivers who have a clean drive record can find good deals based on their experience and cognition on the road. however, as we age, we face fresh physical, ocular and mental challenges. According to NHTSA, drivers over the age of 65 are responsible for 15.9 % of the state ‘s deadly crashes. Pennsylvania begins retesting adults over the age of 45 to ensure their ability to drive safely. Drivers are randomly chosen prior to their driver ’ s license reclamation and are required to undergo a sight and physical examination. Depending on the results, a driver ’ randomness examen and knowledge quiz may besides be required. When looking for the best rates, consider taking a driver ’ mho education course. Under Pennsylvania state law, drivers 55 and older are eligible to receive a 5 % dismiss on their vehicle policy by completing the Mature Driver Improvement Course. Make sure your policy company knows you have completed the class to ensure you get the rebate.

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Cheapest Car Insurance in Pennsylvania for Young Drivers

policy providers consider young drivers riskier to insure due to their lack of know on the road and charge them higher premiums as a result. In Pennsylvania, a 16-year-old driver ‘s car indemnity costs an average of $ 4,354 per class, while a 25-year-old driver pays an average annual rate of $ 1,828. Although Allstate offers the cheapest car insurance quote for drivers aged 16, State Farm, on average, offers the most low-cost quotes to the majority of age groups in that range .

Annual Car Insurance In Pennsylvania for Young Drivers

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  • historic period average monetary value Cheapest company company cost
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  • 19


    State Farm


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    State Farm


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    State Farm


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    State Farm


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  • 25




Auto indemnity companies value experience and a history of safe drive. For teenagers, this takes time to build and maintain. That ’ second why insurance rates are higher for young drivers. however, there are ways to find the cheapest car indemnity for students. In general, you should constantly seek out as many discounts for young drivers as possible, while comparing rates from multiple companies to find the most low-cost choice.

Insurance Rate Information for Military Drivers and Veterans

For the 2,500 active-duty military personnel and 800,000 veterans in Pennsylvania, there are military discounts available with car policy plans. major policy companies offer a rebate to stay competitive with one another. Military-focused indemnity companies work entirely with armed forces personnel and some insurance companies cater barely to veterans. The Pennsylvania Insurance Department offers tips on buy cable car insurance adenine well as the state ‘s requirements for minimum coverage. A service member can maintain Pennsylvania vehicle adjustment or switch it over to the state where they ‘re stationed. If registered in Pennsylvania, the annual reclamation in most cases can be completed on-line. All the forms you need are hera .

Average Rates for Pennsylvania service members

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Car Insurance in Pennsylvania: What You Need to Know

All fomite owners must provide validation of car liability coverage to register a car or truck for legal road use in Pennsylvania. You need to carry proof with you on the road : either your indemnity ID card, a digital translation on a mobile device or a transcript of your policy .

Minimum Liability Insurance Requirements in Pennsylvania

Drivers in Pennsylvania have two choices for car policy : full tort or limited tort. express tort, besides known as no-fault insurance, pays up no matter who causes an accident. however, it besides limits your rights to sue another driver for trouble and hurt ( except for catastrophic injuries ). With full-tort insurance, you maintain your right to sue, but your premiums will be higher. Either way, you ‘ll have to buy liability coverage to cover the monetary value of injuries or damages in an accident. These are the state minimums : bodily injury :

  • $15,000 per person
  • $30,000 per accident

place damage :

  • $5,000

medical Benefits :

  • $5,000

Uninsured and underinsured motorist insurance is not required in Pennsylvania but is offered by all insurers. You must decline in writing if desired .

Alternatives to Insurance in Pennsylvania

The one alternate choice available is self-insuring. To do so, you need to first show proof of fiscal responsibility to the Department of Transportation and then submit a deposit. This can be in the form of cash, a bond, a letter of credit or an escrow lodge and the amount required will vary .

How Much Coverage Do You Need in Pennsylvania?

The coverage sum needed depends on the car you ‘re driving and how much you can afford. If you get a newly car loan or lease a vehicle, you will likely have to buy collision and comprehensive examination indemnity to protect your cable car. The express ’ sulfur minimal requirements for liability insurance wo n’t cover all of the damages in a catastrophic accident. The Insurance Information Institute recommends at least $ 100,000 liability coverage per injury and $ 300,000 per accident. Uninsured motorist policy is besides a smart purchase if you can afford it.

Cheapest Car Insurance in Pennsylvania by City

car policy costs in Pennsylvania vary significantly based on your location in the state of matter. For the modal driver, Pittsburgh ‘s full-coverage annual car insurance rate of $ 973 is the lowest in the state. Allentown features the most expensive average annual indemnity quotation at $ 1,054. Click on your area for extra data on the monetary value of local anesthetic car policy .

Average Insurance Rate by City in Pennsylvania

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  • City per annum monthly
  • 1 .Allentown $ 1,054 $ 88
  • 2 .Philadelphia $ 2,134 $ 178
  • 3 .Pittsburgh $ 973 $ 81

FAQs About Car Insurance in Pennsylvania

For many Pennsylvania drivers, the chief concerns when it comes to car policy are the cost of premiums and the degree of coverage .

Based on average rates, USAA and GEICO have the brassy car insurance in Pennsylvania for minimal coverage .

The average driver in Pennsylvania with a uninfected drive commemorate typically pays an average of $ 1,818 per class. The average cost of car policy in the state is approximately $ 152 per calendar month .

The best way to keep your cable car policy rates low in Pennsylvania is to maintain a clean force record and improve your credit history .

MoneyGeek ’ s research found that Travelers ranked as the best car indemnity provider in Pennsylvania.

Expert Advice on Finding Cheap Car Insurance in Pennsylvania

To help you find trustworthy and accurate penetration on cable car policy in Pennsylvania, MoneyGeek gathered expert advice from established professionals. The views and sentiments expressed are those of the individual contributor .

  1. What are the key factors drivers in Pennsylvania should look for when searching for the best car policy coverage ?
  2. What steps can drivers in Pennsylvania take to find low-cost cable car indemnity ?
  3. How do regulations and rules in Pennsylvania shock insurance price and how consumers might shop for coverage ?

Archish MaharajaArchish Maharaja Archish Maharaja Professor of Business and Director of Graduate Programs at Point Park UniversityGary SullivanGary Sullivan Gary Sullivan Assistant Professor of the F. W. Hirt Erie Insurance Risk Management Program at Mercyhurst UniversityPhil Stuczynski, M.B.A.Phil Stuczynski, M.B.A. Phil Stuczynski, M.B.A. Lecturer in Business and Finance at Penn State Behrend

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see you ‘re getting the best rate for your car policy. Compare quotes from the exceed policy companies. widget-location-pin About the writerexpert-profileexpert-profile Danielle is a professional journalist with fifteen years of experience covering current events from the 2008 fiscal crisis to the COVID-19 ball-shaped economic recession. As a former television receiver newsworthiness producer, she focuses on sharing relevant and factual stories that stimulate personal growth and cognition. Danielle graduated from the applaud University of Missouri School of Journalism with a focus in Broadcast Journalism. With six out-of-state moves and three home purchases under her belt, she has first-hand experience navigating state of matter regulations, policy and veridical estate. She presently lives in Colorado with her conserve and a greyhound named Oreo .

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