Compare Cheap Auto Insurance in Pennsylvania

Travelers offers the most affordable full coverage in Pennsylvania, with an average annual premium of $1,516. This is 39 percent cheaper than the state average of $2,473. Erie also has competitive rates and its customer satisfaction scores are higher than Travelers’ — a reason why we named Erie one of the best auto insurance carriers in Pennsylvania.

Erie offers the cheapest minimum coverage in Pennsylvania at $398 annually, well below the statewide average of $603. Travelers and USAA also provide affordable options for those seeking minimum coverage, though USAA is only available to military members, veterans and their families.

Travelers offers the most affordable auto insurance for teen drivers in Pennsylvania, with an average annual premium of $4,044. This is significantly lower than both the state average of $5,956 and the national average of $6,054. Progressive also provides competitive rates at $4,410 per year, coming in well below the Pennsylvania average.

Erie offers the most affordable auto insurance for drivers with a speeding ticket in Pennsylvania, with an average annual premium of $1,884 — 29 percent lower than the statewide average of $2,665. Travelers and State Farm also provide competitive rates, coming in at $1,984 and $2,377 per year, respectively.

Travelers offers the most affordable auto insurance for Pennsylvania drivers with an at-fault accident, with an average annual premium of $1,515 — nearly half the statewide average of $3,015. Nationwide and Erie also provide relatively competitive rates at $1,978 and $2,051 per year, respectively.

Travelers offers the most affordable auto insurance for Pennsylvania drivers with a DUI, with an average annual premium of $2,326 — 41 percent lower than the statewide average of $3,930. USAA and Allstate also provide relatively lower rates at $2,645 and $2,694 per year, respectively, and have higher customer satisfaction scores.

USAA offers the most affordable auto insurance for Pennsylvania drivers with low credit, with an average annual premium of $1,997 — 55 percent lower than the statewide average of $4,408. However, USAA is only available to military, veterans, and their families. Nationwide ($2,791 annually) also has below-average rates and is available regardless of military affiliation.

USAA has the best customer satisfaction score of featured insurers, and its claims satisfaction score is near the top, though membership is military-only. Other insurers with great customer satisfaction scores include Erie and State Farm. As far as rates go, it’s worth comparing quotes from multiple providers — slightly higher premiums could be worth it if you have to file a claim.

1. Choose a limited tort policy: Pennsylvania drivers can save money by opting for a limited tort policy, which restricts the ability to sue for noneconomic damages, such as pain and suffering, except in severe cases. Full tort policies, while more expensive, allow greater legal flexibility but may not be necessary for all drivers.
2. Bundle policies: Combine auto insurance with homeowners or renters insurance to qualify for multi-policy discounts. Most major insurers offer this benefit and bundling can provide substantial savings while simplifying your insurance management.
3. Raise your deductible: Increasing your collision and comprehensive deductibles can lower your premium. Be sure you can afford the higher out-of-pocket costs in the event of a claim, as a higher deductible means paying more before insurance kicks in. If you’re not sure where to start, a $1,000 deductible often strikes a good balance, but ultimately it depends on your personal finances.
4. Maintain a clean record: Avoiding traffic violations and accidents can keep your rates low over time. Many insurers offer discounts for drivers with accident-free histories and a clean record can lead to additional savings through safe-driving programs.
5. Take advantage of young driver discounts: Teen and young adult drivers often face higher insurance rates, but many insurers offer young driver discounts for completing driver’s education courses, maintaining good grades or enrolling in telematics programs that track safe driving habits.

Philadelphia has the highest auto insurance rates in Pennsylvania, with an average annual premium of $4,315 — 75 percent higher than the statewide average of $2,473. In contrast, Harrisburg has the lowest rates among major cities at $2,055 annually, while Erie follows closely behind at $2,308 per year, with both cities’ rates under the statewide average.

In Pennsylvania, drivers are required to carry minimum car insurance. This includes bodily injury and property damage liability, which helps cover the other party’s medical expenses and property damage if you’re at fault in a crash. Pennsylvania also mandates medical benefits, which helps cover medical expenses for you and your passengers:

• Bodily injury liability: $15,000 per person/$30,000 per accident
• Property damage liability: $5,000 per accident
• Medical benefits: $5,000 per accident

While these minimums ensure basic coverage, many drivers opt for higher limits to better protect themselves financially. Additionally, if you leased or financed your car, your lender will likely require you to carry full coverage.

We analyze average premiums in Pennsylvania for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Medical payments: $5,000
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible