Cheap Car Insurance in Pennsylvania

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Finding cheap car insurance in Pennsylvania

If you're looking for cheap car insurance in Pennsylvania, it's key to get quotes from at least a few companies.

Because rates can vary considerably by company, you can potentially save hundreds of dollars a year by shopping around. Here are premiums reported by EverQuote users in Pennsylvania for large insurance companies. The prices below reflect rates for one person with a good driving record insuring one vehicle.

Company
(Click to see reviews)
Average monthly premium
The Hartford $100
Erie insurance $112
Travelers $114
AAA Insurance $115
Nationwide $127
USAA $129
State Farm $129
Geico $134
Allstate $139
Farmers $142
The General $143
Safeco $145
Progressive $150
Liberty Mutual $150
Esurance $160
Source: EverQuote. See full methodology below.


The cheapest car insurance company in Pennsylvania for you could change depending on a number of factors, such as causing a car accident, moving, changing coverage levels or getting a ticket.

Recent auto insurance rate changes approved by Pennsylvania

Even if you have a good driving record, you might find out you're getting a car insurance rate increase at renewal time.

Here are insurance rate changes recently approved by the Pennsylvania department of insurance. These changes may not affect all customers in the state. If you are affected, you'll get a notice at renewal time. The effective dates below indicate when the change begins.

Company Effective date Rate change % 

(   ) = decrease

Interinsurance Exchange of the Automobile Club 9/4/18 4.000
Mid-Century Insurance Co. 7/27/18 6.200
MAPFRE Insurance Co. 7/20/18 13.000
State Farm Mutual Automobile Insurance Co. 7/16/18 (2.900)
Goodville Mutual Casualty Co. 7/15/18 0.900
American States Insurance Co. 7/9/18 5.000
Pharmacists Mutual Insurance Co. 7/1/18 13.500
State Farm Fire and Casualty Co.,

State Farm Mutual Automobile Insurance Co.

7/1/18 0.100
Pennsylvania National Mutual Casualty Insurance Co. 7/1/18 2.000
CSAA General Insurance Co. 7/1/18 4.400
Foremost Insurance Co. Grand Rapids,

Michigan

7/1/18 19.000
Foremost Insurance Co. Grand Rapids,

Michigan

7/1/18 (5.300)
Foremost Property & Casualty Insurance Co. 7/1/18 (5.600)
Grange Indemnity Insurance Co. 6/20/18 4.000
Privilege Underwriters Reciprocal Exchange 6/9/18 3.000
Erie Insurance Co.,

Erie Insurance Exchange

6/1/18 (0.080)
IDS Property Casualty Insurance Co. 5/27/18 7.100
Safeco Insurance Co. of Illinois 5/20/18 15.300
American Select Insurance Co. 5/19/18 4.000
Bristol West Insurance Co. 5/10/18 3.800
Liberty Insurance Corporation,

Liberty Mutual Fire Insurance Co.,

The First Liberty Insurance Corporation

5/8/18 (0.010)
Bristol West Insurance Co. 5/3/18 3.800
Motorists Mutual Insurance Co. 5/1/18 4.300
Acuity 4/23/18 4.000
Chubb Indemnity Insurance Co.,

Chubb National Insurance Co.,

Federal Insurance Co.,

Great Northern Insurance Co.,

Pacific Indemnity Co.,

Vigilant Insurance Co.

4/23/18 4.000
Palisades Insurance Co. 4/15/18 0.300
AMCO Insurance Co.,

Nationwide Insurance Co. Of America

4/14/18 4.200
Verti Insurance Co. 4/9/18 (38.000)
Metromile Insurance Co. 4/2/18 14.700
IDS Property Casualty Insurance Co. 4/1/18 8.100
Source: S&P Global Market Intelligence

Pennsylvania car insurance rates after accidents & speeding tickets

We looked at premiums reported by EverQuote users in Pennsylvania who had an accident or speeding ticket on their records compared to drivers with clean records. 

Remember that just because you have a spotty driving record doesn't mean you can't potentially get a better price by shopping around.

On driving record Average monthly premium difference vs. clean record in Pennsylvania
Speeding ticket 31%
Accident 34%
Source: EverQuote. See full methodology below.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Pennsylvania drivers are speeding and using their phones while driving.


Pennsylvania auto insurance rates by city

We also analyzed Pennsylvania car insurance rates reported by EverQuote users in various cities. Drivers in Erie reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Erie $116
York $120
Pittsburgh $122
Lancaster $123
Reading $125
Harrisburg $128
Bethlehem $135
Allentown $140
Philadelphia $177
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Pennsylvania

  • Ask your agent to review all available car insurance discounts. 
  • "Bundle" your auto and home insurance for a discount by buying them from the same company.
  • Increase the deductible on comprehensive and collision coverage, if you have them.
  • Improve your credit. Insurers often use a credit-based insurance score as part of setting rates. Those with poor credit usually pay higher car insurance rates. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 25, 2018

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