Cheap Car Insurance in Pennsylvania 2019

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Finding cheap Pennsylvania car insurance

Want cheap auto insurance in Pennsylvania? Here are some of the best ways to lower your bill:

  • Shop around and compare several car insurance quotes. Rates can vary by hundreds of dollars among insurers for the same kind of coverage, so shopping around can pay off.
  • Keep a good driving record and avoid auto insurance claims. Accidents, tickets and claims can all result in a rate increase at renewal time.
  • Ask your insurance agent to review all the possible insurance discounts so you can make sure you're getting all possible savings.
  • Adding a young driver to your insurance? We have tips for getting cheap car insurance for teen drivers.
  • Raise the deductible amount on comprehensive and collision insurance, if you buy them.
  • Buy homeowners insurance from your car insurance company so you can get a "bundling" discount.

We analyzed average insurance premiums reported by EverQuote users in Pennsylvania so you can see how prices compare.

Sections:

  Pennsylvania insurance vs. the U.S. average
  Average Pennsylvania insurance premiums by company
  Insurance increases after a speeding ticket
  Insurance increases after an accident
  Average premiums for Pennsylvania cities

Pennsylvania insurance vs. the U.S. average

Pennsylvania is among the best states for low auto insurance premiums. The state ranks No. 11 in our analysis of prices for full coverage car insurance.

  • $1,760/year Pennsylvania average.
  • $1,684/year national average.

Average Pennsylvania insurance paid 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

Insurance increases in Pennsylvania 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 Annual premium with clean driving record Annual premium with speeding ticket % increase
Pennsylvania $1,760 $2,104 20%
Nationwide average 26%

Insurance increases in Pennsylvania after an accident

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

State Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
Pennsylvania $1,760 $2,446 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 we examined.

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

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 March 7, 2019

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