Best Car Insurance in Pennsylvania in 2025

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 coverage types and policy options you won’t find everywhere, such as rideshare coverage. Like State Farm, Allstate employs a large network of local agents across hundreds of cities in Pennsylvania, including Philadelphia and Pittsburgh.

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 because you can handle your claims, payments and policy through a single point of contact. Allstate offers discounts to customers who bundle auto and homeowners insurance in Pennsylvania, and Allstate’s bundling discount is among the highest, at a maximum of 25 percent. This can result in hundreds of dollars in savings per year.

Allstate Drivewise

Safe drivers in Pennsylvania can earn extra discounts with Allstate Drivewise, Allstate’s telematics program. You can enroll in Drivewise with the Allstate app and get a 10 percent discount for signing up. (Discounts vary by state, but our research confirmed this for customers in Pennsylvania.) You’ll get your discount after hitting 50 trips on the app for each six-month policy period.

It’s important to note that your rates can increase for risky driving behaviors. Because Allstate tends to charge higher premiums in Pennsylvania, Drivewise is best for those who are confident about their safe driving habits.

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.

According to the Pennsylvania Department of Human Services, the state is home to 700,000 veterans — the fifth-largest veteran population in the country.³ About an additional 90,000 active-duty military and National Guard members and their families call the state home.⁴ 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.

Standout Roadside Assistance

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

• Towing to the nearest repair shop
• Winching of a stuck vehicle
• Jump-start of a dead battery
• Fuel delivery (not including the cost of fuel)
• Lockout service
• Flat-tire changes (must have a 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

Good for Car Purchases

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

Discounts for Young Drivers

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

USAA offers a good-student car insurance 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 a high school, college, university or vocational technical school full time.
• Fulfill at least one of the following criteria:
• • They must be ranked in the top 20 percent of the class scholastically.
  • They must have a B average or higher (3.0 GPA).
  • They must be 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 policy and have had no major violations in the past three years.

Founded in 1925, Erie holds some of the highest customer satisfaction ratings in 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 auto insurance.

Option to Lock in Your Rate

According to J.D. Power’s 2025 Auto Insurance Study, in large part due to rising rates, customer satisfaction with auto insurance companies has plummeted — 38 percent of customers reported low satisfaction with their provider.

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 modify 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 the 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, which includes the following  benefits:

• 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, and medical payments coverage), as well as the following additional options:

State Farm has insurance agents in over 300 cities in Pennsylvania, which makes it easy to get connected and find coverage. The company is known for low prices, high customer satisfaction, and an easy auto insurance claims process.

Local Agents

When you work with a local State Farm agent, you get help from someone who can find you a policy that reflects your needs. Even though State Farm is a big car insurance company, its personalized approach allows you to get one-on-one assistance on tasks such as changing your policy and filing a claim.

State Farm agents can also review your policy when your coverage is about to expire to ensure that your policy reflects your current driving profile and circumstances. The company recommends that you book a policy review with your agent when you go through life changes, such as starting a new business, getting married, having kids reach driving age, and moving homes.⁶

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.

Strong Motorcycle Coverage

According to the Pennsylvania Department of Driver and Vehicle Services, there are nearly 800,000 licensed motorcyclists and around 355,000 registered motorcycles in the state.⁷ 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 and underinsured motorist coverage
• Comprehensive and collision coverage (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.

Travelers is a good option for Pennsylvanians looking for cheap insurance, whether you have a clean record or a violation. It’s worth noting that Travelers’ customer satisfaction ratings fall below average on the most recent J.D. Power studies; those looking to balance service and cost may want to consider providers like Erie or NJM.

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 speeding tickets or other violations.
• Are convicted of a DUI or DWI.
• Are a new driver.
• Have low credit.
• Drive a specialized or high-value car.

Although 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.

Travelers offers all of the standard coverage types you can expect from a major provider, along with these specialized insurance types:

• Non-owner insurance
• Commercial vehicle insurance
• Loan or lease gap insurance
• Extended transportation coverage
• Roadside assistance
• Rental reimbursement

Travelers also offers several discounts that high-risk drivers can use to lower their premiums (more on that below), like taking a driver education course or tracking safe-driving habits through telematics.

Multiple Discounts

Like most insurance providers, Travelers offers discounts for bundling multiple policies (e.g., personal auto, motorcycle, and home/renters insurance). By getting coverage for your home and vehicle, you can save up to 10 percent on auto insurance and 15 percent on home insurance.

Here are other car insurance discounts you can enjoy at Travelers:

• Homeownership discount for owning a home or condo
• Safe-driver discount for having no at-fault accidents, violations or claims for up to five years
• Continuous insurance discount for having auto coverage without lapses
• Hybrid/electric vehicle discount for owning or leasing a hybrid or electric car
• New-car discount for having a vehicle less than 3 years old
• Pay-in-full discount for paying your premium up front

Stellar Financial Strength Ratings

Financial strength is one of the most important factors when you’re choosing a provider, as it reflects how likely a company is to pay for claims when you get into an accident. As of September 2025, here are Travelers’ ratings from prominent third-party agencies:

Even though you can expect affordable rates after a traffic violation, you can also rest easily knowing that Travelers can pay for damages involving your vehicle. It’s one of the many reasons we recommend Travelers for high-risk drivers.