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Best Car Insurance in Pennsylvania

Find the best auto insurance for your needs in the Keystone State.

Best Overall Auto Insurance Company in Pennsylvania
Allstate Logo 2023

Allstate is our top pick for insurance in Pennsylvania. It stands out for its homeowners and young drivers discounts, pay-per-mile option, and rideshare coverage.

Best Auto Insurance for Full Coverage in Pennsylvania
Erie Insurance Logo

Founded in the Pennsylvania city of the same name, Erie impressed us with its competitive pricing, option to lock in your insurance rate, and range of coverage options.

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Pennsylvanians spend an average of $992 each year on car insurance, which translates to around $83 per month. The state’s insurance rates are 8 percent lower than the national average. However, drivers in major cities like Philadelphia or Pittsburgh might face higher premiums. Your specific insurance costs are influenced by various factors unique to you, such as the coverage you desire, your location, credit score, and potential discounts you qualify for. Let’s explore the leading insurance companies in Pennsylvania.

Summary of the Best Auto Insurance in Pennsylvania

  1. 1.

    Best Auto Insurance in Pennsylvania Overall: Allstate

  2. 2.

    Best Auto Insurance for Full Coverage in Pennsylvania: Erie

  3. 3.

    Best Auto Insurance for High-Risk Drivers in Pennsylvania: Direct Auto

  4. 4.

    Best Auto Insurance for Military and Veterans in Pennsylvania: USAA

  5. 5.

    Best Cheap Auto Insurance in Pennsylvania: State Farm

Comparison of the Best Auto Insurance in Pennsylvania

Company What it’s best for Discounts J.D. Power regional customer satisfaction score (out of 1,000)1 AM Best financial strength rating2 Review
Allstate Overall Bundling, multi-vehicle, new car, early signing, automatic payment, pay-in-full, responsible payer, student, safety features, paperless, safe driving, and telematics 825 A+ Allstate review
Erie Full coverage Safe driving, safety features, multi-vehicle, multi-policy, reduced usage, young driver, pay-in-full 863 A+ Erie review
Direct Auto High-risk drivers Military, accident-free, violation-free, good student, senior citizen, telematics, drive education, multi-vehicle, safety features, multi-product, prior coverage, homeowner, previous customer, affinity organization, preferred payment, multi-policy N/A A Direct Auto review
USAA Military and veterans Bundling, telematics, good student, multivehicle, vehicle in storage, low mileage, automatic payment, early quote, safety features, new car, loyal member, and good driver 877 A++ USAA review
State Farm Cheapest Accident-free, violation-free, anti-theft, driver education, telematics, good student, multi-vehicle, multi-policy, safety features, young driver, student away at school 843 A++ State Farm review

Detailed List: The Best Car Insurance Companies in Pennsylvania

1. Best Auto Insurance in Pennsylvania Overall - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

Allstate is the fourth-largest insurer nationally and a great choice for drivers in Pennsylvania. The company stands out for its bundling and student discounts in particular, and it offers coverages and policy options you won’t find everywhere, such as pay-per-mile insurance and rideshare coverage.

ProsWho It's Best For
  • pro
    Pennsylvanians who own their homes
  • pro
    People with low annual mileage
  • pro
    Rideshare drivers
  • pro
    Families with young drivers
ConsWho It's Not Best For
  • con
    Customers seeking the absolute lowest premium
  • con
    High-risk drivers (such as those with a DUI or other violations)

Bundling Discount

Bundling auto and home insurance is often a good idea. Many insurance companies, including Allstate, offer discounts for bundling multiple insurance policies. Additionally, bundling can make it easier to manage your coverage, as you can handle your claims, payments, and policy through a single point of contact.

Allstate reports that customers who bundle auto and homeowners insurance in Pennsylvania can save up to 12 percent.3 This can result in hundreds of dollars in savings per year.


According to the U.S. Census Bureau, there are over 5.8 million housing units in Pennsylvania. Nearly 70 percent of those housing units are occupied by their owners, while renters account for the other 30 percent.4

Pay-Per-Mile Option

The U.S. Department of Transportation reports that drivers in Pennsylvania log about 102 billion miles annually, which averages to approximately 11,400 miles per driver per year. That’s 2,000 miles less than the national average of 13,400.5 People in major cities like Philadelphia or Pittsburgh may drive even less.

If you don’t drive every day or have a short commute, a pay-per-mile plan could help lower your auto insurance costs. Typically, these plans make most sense if you drive less than 10,000 miles per year.

Pennsylvania is one of 21 states in which Allstate offers its pay-per-mile insurance plan, called Milewise. You’ll pay a base rate, plus a per-mile rate. For example, let’s say you drive an average of 20 miles each day:

Daily base rate $1.25
Rate per mile $0.07 x 20 miles = $1.40
Total daily cost $2.65
Total monthly cost About $80

Allstate uses a device in your vehicle to record your mileage, and you can monitor your mileage and expenses in the Allstate app. When you have multiple vehicles covered under the same policy, you have the flexibility to decide individually for each vehicle whether it should be categorized as per-mile or under the traditional unlimited-mileage policy.

Rideshare Coverage Available

If you drive for Lyft, Uber, Doordash, GrubHub, or a similar delivery service, the transportation network coverage (TNC) — i.e., the rideshare company’s insurance — does not kick in until you’ve picked up a passenger or order. Your personal auto insurance policy does not cover you while you’re working. That means there may be a gap in your coverage when the app is on and you’re waiting to match with a ride or on your way to pick up. Additionally, TNC policies often have high deductibles.

Allstate’s rideshare coverage (called Ride for Hire) covers this gap by protecting you when the TNC policy and your personal policy wouldn’t apply. This coverage also pays for high TNC deductibles, up to $2,500.

2. Best Auto Insurance for Full Coverage in Pennsylvania - Erie
Erie Insurance Logo

What We Like Most:

  • Low rates for teen drivers on a family policy
  • High claims and customer service satisfaction
  • Rate Lock options prevent premium increases, even after an accident

Founded in 1925, Erie holds the highest customer satisfaction ratings of the region (excluding USAA, which is not available to all customers). Its competitive prices and range of options make it a great choice for Pennsylvanians looking to purchase full coverage.

ProsWho It's Best For
  • pro
    Customers looking for low prices
  • pro
    People wary of rising auto insurance costs
  • pro
    Drivers who plan to purchase comprehensive coverage
  • pro
    Pennsylvanians seeking a range of coverage options
ConsWho It's Not Best For
  • con
    Drivers with an at-fault accident on their record
  • con
    Customers looking for telematics discounts

Option to Lock in Your Rate

J.D. Power reports that customer satisfaction with auto insurance companies has plummeted, in large part due to rising rates. Nearly one-third of customers experienced a rate increase from 2022 to 2023, and rates rose by an average of 15.5 percent.

Erie offers an option to lock in your auto insurance rate, helping you keep your premium stable. If you add this endorsement to your policy, your rate won’t change unless you move or change the drivers or vehicles on your policy. In other words, inflation and minor accidents or violations will not increase your premium. If you add or remove coverages, Erie will adjust your premium to reflect that particular change.

Perks and Extras

When you purchase comprehensive coverage, Erie throws in several extra perks:

  • Glass repair: Erie waives the deductible for windshield repairs. You can add full window glass, which waives the deductible for window replacement. With both, Erie will provide new wiper blades if your windshield is replaced.
  • Locksmith services: If you lock your keys in the car, Erie will pay up to $75 for locksmith costs.
  • Personal item coverage: Erie will pay for loss of clothing, luggage, and other personal belongings inside an insured vehicle, up to $350.

In addition, Erie’s policies typically include the following extras at minimal cost:

  • First-accident forgiveness: After you’ve been a customer for three years, Erie won’t add a surcharge to your premium the first time you’re at fault in an accident.
  • Pet injury coverage: If your pet is injured while riding in your car, Erie will cover treatment costs up to $500 per pet, for a total of $1,000.
  • Diminishing deductible: For every consecutive year you don’t file a claim, Erie will reduce your deductible by $100 up to a maximum of $500.

Finally, for $35 or less per year, you can add Erie Auto Plus to your policy, which includes:

  • Additional days of transportation coverage
  • Diminishing deductible
  • $10,000 death benefit
  • Waived deductibles in certain situations
  • Increased limits for certain coverages (e.g., locksmith costs, personal items, sound equipment, and non-owned trailers)

Range of Coverage Options

For those looking to purchase coverage beyond the minimum, Erie offers full-coverage protection (collision, comprehensive, uninsured/underinsured motorist, medical payments) as well as the following additional options:

Coverage Details
Rental car reimbursement Choose from six classes of rental cars, which correspond to different premium rates, and choose which company to rent from.
Emergency roadside services This covers lockouts, flat tires, mechanical breakdowns, dead batteries, and running out of gas. It provides towing up to 20 miles and winching from a ditch or snow up to 10 feet from the highway (additional distance costs extra).
New- or better-car replacement In the event of total loss of a vehicle less than two years old, Erie pays for a replacement of the latest model year. For cars older than two years old, Erie pays for a comparable vehicle that is two model years newer. For leased or financed vehicles, Erie pays for the difference between the actual cash value and the amount owed (like gap coverage).
Rideshare coverage Erie extends your personal policy coverage to protect you during every stage of the rideshare trip (before, during, and after the hired ride).
3. Best Auto Insurance for High-Risk Drivers in Pennsylvania - Direct Auto
Direct Auto Logo

What We Like Most:

  • Low rates for high-risk drivers
  • Can pay in cash locally
  • Save money by bundling with life insurance

Direct Auto is a good option for Pennsylvanians with a DUI, multiple at-fault crashes, or other high-risk driving events. In addition to car insurance, it sells non-auto products like term life insurance and accident medical expense coverage, which you can bundle for savings.

ProsWho It's Best For
  • pro
    Pennsylvanians convicted of a DUI or other serious violations
  • pro
    People looking to purchase additional policies or products
  • pro
    Customers who will benefit from flexible payment options
  • pro
    Drivers seeking a range of discounts
ConsWho It's Not Best For
  • con
    Drivers with a clean record
  • con
    Customers who prefer doing business in person, as Direct Auto has only four brick-and-mortar locations in Pennsylvania

Coverage for High-Risk Drivers

Insurance companies may consider you a high risk driver if you:

  • Have one or more at-fault accidents on your record
  • Received multiple tickets for speeding or other violations
  • Are convicted of DUI or DWI
  • Just got your driver’s license
  • Have bad credit
  • Drive a specialized or high-value car

While Pennsylvania does not require high-risk drivers to file an SR-22, traditional auto insurance companies may refuse to sell you a policy if they view you as too much of a liability.


Pennsylvania is one of six states that does not use SR-22 forms.

Direct Auto specializes in insuring drivers whom traditional insurance companies may refuse to cover. It offers all of the standard coverages:

  • Bodily injury and property damage liability
  • Collision and comprehensive
  • Uninsured/underinsured motorist
  • Personal injury protection (PIP) and medical payments
  • Towing coverage
  • Rental reimbursement

It also offers several discounts that high-risk drivers can use to lower their premium, like taking a driver education course or tracking safe driving habits through telematics.

Multi-Product Discounts

Like most insurance providers, Direct Auto offers discounts for bundling multiple policies (e.g., personal auto, motorcycle, and commercial auto insurance). However, you can earn an additional 5 percent savings when you buy a non-auto insurance product. These include:

  • Roadside assistance: This includes 24-hour emergency towing assistance, lost key and lockout help, and flat-tire changes.
  • Term life insurance: In the event of your passing, this helps cover loss of income, final medical and funeral expenses, daily living expenses (e.g., rent or groceries), and college tuition for your family.
  • Emergency protection plan: After an auto accident, this helps pay for unexpected expenses, like ambulance rides and not-otherwise-covered medical bills.

Choose How You Pay

Not only does high-risk auto insurance typically cost more than standard insurance, violations like DUIs come with their own fines and fees. Direct Auto offers payment flexibility, which can help you budget for auto insurance. You can:

  • Choose which day of the month to pay your auto insurance bill
  • Decide how often you’ll pay, whether in full or installments
  • Pay more upfront and lower your monthly payments, like a down payment
  • Pick from multiple ways to pay, including credit or debit card, e-check, and cash at a Direct Auto location
4. Best Auto Insurance for Military and Veterans in Pennsylvania - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

According to the Pennsylvania Department of Human Services, the state is home to 800,000 veterans — the fourth-largest veteran population in the country.6 About an additional 80,000 active-duty military and National Guard members and their families call the state home.7 USAA sells auto insurance and other financial products to individuals affiliated with the U.S. military. It has competitive prices and a strong track record for customer satisfaction.

ProsWho It's Best For
  • pro
    Military members (including National Guard), veterans, and their families
  • pro
    Pennsylvanians who plan to purchase roadside assistance coverage
  • pro
    Drivers planning to finance a car with a USAA auto loan
  • pro
    Families with young drivers
ConsWho It's Not Best For
  • con
    People not affiliated with the U.S. military
  • con
    High-risk drivers

Standout Roadside Assistance

With USAA’s roadside assistance coverage, you get the following services 24/7:

  • Towing to nearest repair shop
  • Winching a stuck vehicle
  • Jump-starting a dead battery
  • Fuel delivery (not including cost of fuel)
  • Lockout
  • Changing a flat tire (must have spare)

If you carry roadside coverage, you won’t pay for these services unless otherwise specified. Further, USAA is unique in that even if you don’t have roadside assistance, you can still receive assistance and pay negotiated rates, which are often less than what you would pay the provider directly.

Additionally, unlike many providers, USAA’s roadside assistance extends across the U.S. border to the following places:

  • Canada
  • Mexico (within 75 miles of the U.S.-Mexico border)
  • U.S. territories
  • For international policies, towing and labor coverage in the base country where the policy is issued


Pennsylvania shares 42 miles of maritime border with Canada along Lake Erie, and the city of Erie is just a two-hour drive from Niagara Falls.

Good for Car Purchases

USAA offers financial services in addition to auto insurance, including auto loans at the following rates:

Loan type USAA starting rate (on a 36-month term, including 0.25% discount for auto-payment) Average rate in Pennsylvania USAA terms
New car 5.79% 6.91%
  • 2022 or newer models
  • Terms from 12 to 84 months
Used car 6.14% 10.62%
  • 2016 to 2021 models
  • Terms from 12 to 84 months
Older car 9.14% 10.62%
  • 2015 and older models
  • Terms from 18 to 72 months

Discounts for Young Drivers

The cost of insuring teen drivers is higher than almost any other group, due to their inexperience and higher likelihood of being in an accident.

USAA offers a good-student discount for teens and other young drivers, which can help families save on auto insurance. To qualify, the young driver must:

  • Be between 16 and 24 years old
  • Attend high school, college, university, or vocational technical school full time
  • Fulfill at least one of the following criteria:
    • Ranked in upper 20% of the class scholastically
    • B average or higher (3.0 GPA)
    • Included on the honor roll, dean’s list, or similar

Additionally, USAA offers a 10 percent “legacy” discount to drivers under age 25 who are transitioning from their parents’ policy to their own and have had no major violations in the last three years.

5. Best Cheap Auto Insurance in Pennsylvania - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

State Farm has insurance agents in over 400 cities in Pennsylvania, making it easy to get connected and find coverage. The company is known for low prices, customer satisfaction, and an easy claims process.

ProsWho It's Best For
  • pro
    Pennsylvanians looking for low auto insurance rates
  • pro
    Drivers with safe habits behind the wheel
  • pro
    Motorcycle owners
  • pro
    Drivers with an at-fault accident on their record
ConsWho It's Not Best For
  • con
    Military members
  • con
    People who need gap coverage and didn’t finance with State Farm

Low Premiums

Along with Erie, State Farm offers some of the cheapest premiums in Pennsylvania. The average cost for a minimum coverage policy with State Farm in Pennsylvania is $324 annually ($27 monthly), and the average cost for a full-coverage policy is $960 annually ($80 monthly). That’s 35 percent less than the state average.

State Farm offers the following discounts in Pennsylvania, which can help you save on premiums:8

  • Accident-free (for three years)
  • Anti-theft device
  • Driver improvement course (for drivers 55 and older)
  • Drive Safe & Save (telematics)
  • Driver education (for drivers 21 and under)
  • Violation-free (for three years)
  • Good student (B average or 3.0 GPA)
  • Multiple vehicles
  • Multiple policies
  • Passive restraint
  • Steer Clear (safe driver program specifically for young drivers)
  • Student away at school
  • Vehicle safety features

Multiple Ways to Save for Safe Driving

State Farm offers multiple programs that can earn customers discounts for safe driving habits, including one geared specifically toward young drivers.

Program Potential savings Who’s eligible How you qualify
Drive Safe & Save Up to 30% Any State Farm customer in Pennsylvania Download the Drive Safe and Save app, and connect to the Bluetooth beacon you receive in the mail.

The app and beacon track behaviors like quick acceleration, hard braking, fast cornering, and speeding. Your discount is calculated at each policy renewal, and you get an initial discount just for signing up.

Steer Clear 15-20% Drivers under age 25 with no at-fault accidents or moving violations in the past 3 years Download the Steer Clear app and complete the training modules. Then complete and record 5 hours of driving in at least 10 trips.

Note that you can pair Steer Clear with the Drive Safe & Save discount.

Strong Motorcycle Coverage

According to the Pennsylvania Department of Transportation, there are nearly 800,000 licensed motorcyclists and around 373,000 registered motorcycles in the state.9 Pennsylvania is home to several scenic motorcycle routes, including the 107-mile Groundhog Loop through Punxsutawney.

State Farm offers the following motorcycle coverages:

  • Bodily injury and property damage liability
  • Uninsured/underinsured motorist
  • Comprehensive and collision (even if your motorcycle is in winter storage)
  • Coverage for attached sidecars
  • Emergency roadside expenses
  • Damage to protective gear
  • Trip interruption expenses

You can purchase motorcycle coverage from State Farm for the following types of vehicles:

  • Factory-built motorcycles
  • Motor scooters
  • Classic motorcycles
  • Minibikes
  • Custom motorcycles
  • Trail bikes

Maybe you don’t own a motorcycle but you’re thinking about buying one. State Farm has an online tool to help you estimate costs depending on the make, model, and type of motorcycle you’re looking at.


We took a three-point approach to choose the best auto insurance providers in Pennsylvania:

  • Company information: We meticulously evaluate each insurance provider and their offerings in Pennsylvania, considering coverage details, discounts, and third-party ratings from reputable sources like AM Best, the Better Business Bureau, J.D. Power, Moody’s, the National Association of Insurance Commissioners, and Standard & Poor’s.
  • Proprietary data: With over two decades of experience, has amassed a wealth of transaction data, enabling us to identify which companies best serve specific customer demographics. This targeted approach saves customers time by narrowing down options to insurers that cater to their needs.
  • Institutional knowledge: Leveraging our deep industry expertise, honed over 20 years, we draw on the insights of Paul Ford, president of insurance at Centerfield,’s parent company. With almost three decades in the insurance sector, including roles at organizations like Capital One Insurance Services and Bankrate, Paul has extensive knowledge that aids customers in finding their ideal insurance policy.

Frequently Asked Questions

Who has the lowest auto insurance rates in Pennsylvania?

Erie, State Farm, and USAA typically have the lowest insurance rates in PA:

Company Average annual cost for minimum coverage Savings compared to Pennsylvania average for minimum coverage Average annual cost for full coverage Savings compared to Pennsylvania average for full coverage
Erie $324 35% $1,020 32%
State Farm $324 35% $960 35%
USAA $384 22% $1,198 20%

What are car insurance requirements in Pennsylvania?

Pennsylvania requires drivers to carry the follow auto insurance at a minimum:

  • $15,000 in bodily injury per person and $30,000 in bodily injury per accident
  • $5,000 in property damage
  • $5,000 in personal injury protection (PIP) coverage

If you’re caught driving without insurance, you can face the following penalties:

  • $300 or higher fine
  • Suspension of your license and registration for three months (plus a restoration fee to get them back)
  • Loss of driving privileges while your registration is suspended

What is the best auto insurance for seniors in Pennsylvania?

The Hartford, Travelers, and Erie have some of the best auto insurance for seniors in Pennsylvania, due to their low prices and strong track records for customer satisfaction.

Pennsylvania requires insurance providers to offer a minimum 5 percent discount for drivers age 55 or older who complete an approved driver improvement course. A list of courses is available on the PennDOT website.

How do I ask for lower car insurance rates?

Car insurance rates are not negotiable, so asking for lower rates won’t help you save. However, there are several other ways you can lower your auto insurance costs:

  • Shop around and get quotes from at least three providers
  • Consider a pay-per-mile plan if you drive less than 10,000 miles yearly
  • Increase your deductibles (make sure you would be able to pay the increased deductible in the event of an accident)


  1. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  2. Rating Services. AM Best. (2024).

  3. Pennsylvania car insurance. Allstate. (2024).

  4. QuickFacts Pennsylvania. United States Census Bureau. (2021).

  5. Highway Statistics 2021. Policy and Governmental Affairs Office of Highway Policy Information. (2023, May).

  6. Veterans/Military Families. Department of Human Services. (2024).

  7. Pennsylvania. Military State Policy Source. (2024).

  8. Competitive Pennsylvania auto insurance discounts. State Farm. (2024).

  9. Pennsylvania Motorcycle Statistics. PennDOT Driver & Vehicle Services. (2022).