Cheap Car Insurance in Pennsylvania
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Pennsylvania drivers must have the minimum required amount of car insurance to operate a vehicle on the roads. However, many drivers choose to increase their auto insurance coverage to financially protect themselves — and other parties — in accidents.
Affordable auto insurance in PA is available, but it varies based on several factors, such as the driver's profile, location, driving record, and driving history.
No matter where you live in Pennsylvania, it’s important to have a complete understanding of what you need to drive legally and how you can get the best deals. This guide highlights options for cheap car insurance in Pennsylvania, explains how to get the best rates, and gives tips that can save you money.
Average Cost of Car Insurance in Pennsylvania (2025)
Auto insurance rates in Pennsylvania can vary significantly between two drivers or two insurance providers. The rates factor in the amount of coverage in the auto insurance policy, driving profile and record, location, and vehicle type. Adding on additional coverages, such as underinsured motorist and accident forgiveness, can cost more in the short term, but protect you against significant financial issues in the future.
The average amount drivers pay for the minimum required coverage in Pennsylvania is $519. For full car insurance, a combination of collision and comprehensive coverage, drivers pay an average of $2,386. Compared to the national average, Pennsylvania has lower rates. The average minimum auto coverage across the U.S. is $808, and full coverage runs $2,679 on average.
It’s important to remember that premiums will differ based on your specific location in the state. For example, urban areas experience higher traffic, a higher risk of accidents, and an increased risk of property damage and theft. In rural areas, drivers may get lower rates due to lower traffic volumes and reduced risk.
Cheapest Insurance Companies in Pennsylvania
Auto insurance providers charge different amounts, so doing research and comparing quotes can help you find the best rates for you. If you’re looking for cheap auto insurance in PA, these are some providers to take a look at.
| Insurance Provider | Annual Premium (August 2025) |
|---|---|
| Travelers Insurance | $1,213 |
| Erie Insurance | $1,812 |
| Nationwide Insurance | $1,822 |
| USAA | $1,989 |
| Progressive Insurance | $2,429 |
| Allstate | $2,546 |
| Safe Auto Insurance | $2,690 |
| Donegal | $2,705 |
Best Rates by Driver Type
Insurance premiums vary depending on several factors, including your driver type. Providers often have available auto insurance discounts, but knowing your driver type can help you find more affordable car insurance in PA.
Teens and Young Drivers
Teens and young drivers have limited experience, which is why some insurance providers view them as higher risk and adjust their premiums accordingly. If you are insuring a young driver, Erie tends to have lower rates than other options.
Seniors and Retirees
Seniors and retirees come with their own set of risks to insurance companies. While they may have a lot of experience on the road, they may also suffer from ailments like failing eyesight or hearing that could impair them. Overall, Nationwide is an excellent option for seniors.
High-Risk Drivers
High-risk drivers may have been in frequent or severe accidents and filed numerous claims, which makes insurance providers less willing to insure them. Because of their unpredictability on the road, they may end up as a financial liability for insurance companies. This translates to higher premiums overall, but companies like USAA have reasonable rates for this driver type.
Minimum Car Insurance Requirements in Pennsylvania
Apart from registering their car, motorcycle, van, recreational vehicle, bus, or truck with the DMV, PA drivers must also meet Pennsylvania’s car insurance requirements.
In Pennsylvania, drivers are legally required to carry a specific amount of liability coverage limits. Liability car insurance protects drivers and passengers of other cars financially when they suffer bodily injury or property damage at the expense of the insured driver.
The minimum amount of liability insurance coverage a driver needs in PA is:
- $15,000 for bodily injury of one person
- $30,000 for bodily injury of more than one person in an accident
- $5,000 for property damage liability
If a driver doesn’t maintain the liability coverage limits on a registered vehicle, they may face a driving suspension of up to three months.
Money-Saving Tips for Pennsylvania Drivers
Drivers in Pennsylvania can get affordable rates by visiting EverQuote and comparing quotes from the best car insurance companies. However, after finding the cheapest coverage that suits your needs, you may still be able to reduce your expenses in other ways.
Insurance providers reward safe drivers by offering discounts to those who enroll in and complete a safe driver course. Other drivers may also be eligible for low-mileage discounts if they drive less than average. Being off the road reduces the risk of accidents or incidents that could pose a threat to the insurance company.
Additional auto insurance options that can save you money include usage-based tracking programs, where the provider tracks your behavior to decide your premium. Raising your deductible can also reduce your monthly premium.
Compare Customized Car Insurance Quotes in Minutes
Finding the best car insurance for you can be a time-consuming and effort-intensive process. Instead of spending hours looking through providers’ websites and making calls, visit EverQuote to compare prices instantly. EverQuote takes note of the factors that make your driving situation unique and matches you with providers offering the lowest rates.
Visit EverQuote today and compare cheap auto insurance quotes in PA to find your perfect auto insurance coverage.
FAQs
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.