Cheap Car Insurance in Pennsylvania 2019

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PA cheapest car insurance companies

Average Pennsylvania auto insurance premiums by company

Company
Click to see reviews

Average yearly premium in Pennsylvania

The Hartford

$1,416

Erie Insurance

$1,482

Travelers Insurance

$1,612

American National

$1,656

Nationwide Insurance

$1,662

AAA Insurance/Auto Club

$1,695

State Farm

$1,727

Geico

$1,773

Safeco

$1,775

USAA (must have a military affiliation to apply)

$1,779

The General

$1,797

Allstate

$1,801

Farmers

$1,813

Allied

$1,879

Progressive Insurance

$1,910

Liberty Mutual

$1,974

Esurance

$1,993


PA average premiums

Insurance increase after a speeding ticket

Pennsylvania drivers who get a speeding ticket pay an average insurance increase of 20%, which is less than the nationwide average increase.

State Clean driving record Speeding ticket % increase
Pennsylvania $1,760/year $2,104/year 20%
Nationwide average 26%

Insurance increase after an accident

Pennsylvania drivers who cause an accident get an average insurance increase of 39%, slightly higher than the national average increase.

State Clean driving record Chargeable accident, no injury % increase
Pennsylvania $1,760/year $2,446/year 39%
Nationwide average 36%

Average premiums in Pennsylvania cities

Car owners in Lansdowne, near Philadelphia, are paying the most for auto insurance among the Pennsylvania cities in our rates survey.

City

Average annual premium

Allentown

$1,771

Altoona

$1,626

Bensalem

$1,813

Bethlehem

$1,666

Butler

$1,559

Chester

$1,941

Coatesville

$1,944

Darby

$2,301

East Stroudsburg

$2,023

Easton

$1,682

Erie

$1,587

Harrisburg

$1,686

Lancaster

$1,664

Lansdowne

$2,357

Lebanon

$1,502

Levittown

$1,757

Mechanicsburg

$1,585

New Castle

$1,429

Norristown

$1,665

Philadelphia

$2,192

Pittsburgh

$1,650

Pottstown

$1,672

Reading

$1,765

Scranton

$1,545

Upper Darby

$1,997

West Chester

$1,650

Wilkes Barre

$1,577

Williamsport

$1,577

York

$1,681


PA car insurance requirements

No-fault insurance in Pennsylvania

Pennsylvania requires personal injury protection (PIP). The state uses a no-fault insurance system. That means you make small injury claims on your own policy, no matter who caused the accident. PIP pays these claims.

You must buy at least $5,000 in PIP. In Pennsylvania, drivers also choose between "limited tort" and "full tort" policies. "Limited tort" will cost less. This choice affects your right to sue after a car accident. Here's a quick summary:

  • Limited tort: You can sue someone medical bills and other out-of-pocket expenses. But you can't sue for pain and suffering unless the injuries meet the definition of "serious injury." Pennsylvania law defines "serious injury" as: A personal injury resulting in death, serious impairment of body function or permanent serious disfigurement.
  • Full tort: You can sue someone for medical bills, pain and suffering and other non-monetary damages.

Read more about no-fault insurance.

You must show an insurance ID card (or other proof of financial responsibility) in Pennsylvania when:

  • Law enforcement requests it
  • You renew vehicle registration
  • Your vehicle is involved in a car accident

Penalties for not having car insurance in Pennsylvania

If you don't have liability insurance on your vehicle, you could face the following fines and penalties:

  • A minimum fine of $300
  • A three-month suspension of your driver's license
  • A three-month suspension of your vehicle registration

Source: Pennsylvania Department of Transportation

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 21, 2019

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