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Last updated: March 17, 2025
Compare Cheap Auto Insurance in Pennsylvania
Travelers and Erie offer some of the cheapest auto insurance rates in Pennsylvania, depending on your coverage and driving profile.
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Auto insurance in Pennsylvania is moderately priced compared to the national average, with an average cost of $1,939 annually for full coverage and $625 for minimum coverage. This is lower than the national average, which is $2,399 for full coverage and $635 for minimum coverage.
However, Pennsylvania’s optional no-fault system, where drivers can choose between limited tort and full tort policies, can increase premiums. Additionally, drivers in densely populated areas like Philadelphia or Pittsburgh may see higher rates due to increased traffic and accident risks.
Overview
- The average cost of full coverage auto insurance in Pennsylvania is $1,939 annually. Minimum coverage is $625 annually.
- Travelers is the cheapest provider in most categories; Erie is next cheapest, with higher customer satisfaction scores.
- State Farm, USAA and Nationwide also tend to have cheaper-than-average rates in Pennsylvania.
Jump to:
- Cheapest full coverage auto insurance in Pennsylvania: Travelers ($992 annually) and Erie ($1,239 annually).
- Cheapest minimum coverage: Travelers ($379 annually) and Erie ($398 annually).
- Cheapest with a speeding ticket: Travelers ($1,293 annually) and Erie ($1,306 annually).
- Cheapest with a teen driver: Travelers ($2,398 annually) and Erie ($3,437 annually)
- Cheapest with low credit: USAA ($1,588 annually) and Nationwide ($2,224 annually)
- Cheapest with a DUI: Travelers ($1,512 annually) and Erie ($1,894 annually)
- Cheapest with an at-fault accident: Travelers ($1,379 annually) and Erie ($1,696 annually)
Cheapest Car Insurance in Pennsylvania for Full Coverage: Travelers
Travelers offers the most affordable full coverage auto insurance in Pennsylvania, with an average annual premium of $992. This is approximately 49 percent cheaper than the state average of $1,939. Erie also provides competitive rates and its customer satisfaction scores in Pennsylvania are higher than Travelers’. That’s one of the reasons we named Erie the best auto insurance in Pennsylvania for full coverage.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Travelers | $992 | $83 |
| Erie | $1,239 | $103 |
| State Farm | $1,400 | $117 |
| Nationwide | $1,490 | $124 |
| USAA | $1,767 | $147 |
| GEICO | $2,065 | $172 |
| Allstate | $2,372 | $198 |
| Progressive | $2,421 | $202 |
| Pennsylvania average | $1,939 | $162 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Pennsylvania for Minimum Coverage: Travelers
Travelers and Erie offer the cheapest minimum coverage in Pennsylvania at $379 and $398 annually, well below the statewide average of $625. USAA and State Farm also provide affordable options for those seeking minimum coverage, though USAA is only available to military members, veterans and their families.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| Travelers | $379 | $32 |
| Erie | $398 | $33 |
| USAA | $506 | $42 |
| State Farm | $516 | $43 |
| Nationwide | $665 | $55 |
| GEICO | $708 | $59 |
| Progressive | $710 | $59 |
| Allstate | $1,060 | $88 |
| Pennsylvania average | $625 | $52 |
| National average | $635 | $53 |
Cheapest Car Insurance in Pennsylvania for Teen Drivers: Travelers
Travelers offers the most affordable auto insurance for teen drivers in Pennsylvania, with an average annual premium of $2,398. This is significantly lower than both the state average of $3,670 and the national average of $5,312. Erie also provides competitive rates at $3,437 per year, coming in just below the Pennsylvania average.
| Provider | Annual with Teen Driver | Monthly with Teen Driver |
|---|---|---|
| Travelers | $2,398 | $200 |
| Erie | $3,437 | $286 |
| GEICO | $4,048 | $337 |
| USAA | $4,369 | $364 |
| Nationwide | $5,443 | $454 |
| State Farm | $5,461 | $455 |
| Allstate | $5,839 | $487 |
| Progressive | $7,719 | $643 |
| Pennsylvania average | $3,670 | $306 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Pennsylvania with a Speeding Ticket: Travelers
Travelers offers the most affordable auto insurance for drivers with a speeding ticket in Pennsylvania, with an average annual premium of $1,293 — 37 percent lower than the statewide average of $2,051. Erie and State Farm also provide competitive rates, coming in at $1,306 and $1,405 per year, respectively.
| Provider | Annual with Speeding Ticket | Monthly with Speeding Ticket |
|---|---|---|
| Travelers | $1,293 | $108 |
| Erie | $1,306 | $109 |
| State Farm | $1,405 | $117 |
| USAA | $1,775 | $148 |
| Allstate | $2,360 | $197 |
| Nationwide | $2,377 | $198 |
| Progressive | $2,531 | $211 |
| Geico | $3,302 | $275 |
| Statewide average | $2,051 | $171 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Pennsylvania with an At-Fault Accident: Travelers
Travelers offers the most affordable auto insurance for Pennsylvania drivers with an at-fault accident, with an average annual premium of $1,379 — 44 percent lower than the statewide average of $2,453. Erie and State Farm also provide relatively competitive rates at $1,696 and $1,968 per year, respectively.
| Provider | Annual with At-Fault Accident | Monthly with At-Fault Accident |
|---|---|---|
| Travelers | $1,379 | $115 |
| Erie | $1,696 | $141 |
| State Farm | $1,968 | $164 |
| Nationwide | $2,223 | $185 |
| USAA | $2,643 | $220 |
| Allstate | $2,897 | $241 |
| GEICO | $3,423 | $285 |
| Progressive | $3,501 | $292 |
| Statewide average | $2,453 | $204 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Pennsylvania with a DUI: Travelers
Travelers offers the most affordable auto insurance for Pennsylvania drivers with a DUI, with an average annual premium of $1,512 — 43 percent lower than the statewide average of $2,654. Erie and USAA also provide relatively lower rates at $1,894 and $2,134 per year, respectively, and have higher customer satisfaction scores.
| Provider | Annual with DUI | Monthly with DUI |
|---|---|---|
| Travelers | $1,512 | $126 |
| Erie | $1,894 | $158 |
| USAA | $2,134 | $178 |
| Allstate | $2,360 | $197 |
| State Farm | $2,383 | $199 |
| Progressive | $3,054 | $254 |
| GEICO | $3,774 | $314 |
| Nationwide | $4,119 | $343 |
| Statewide average | $2,654 | $221 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Pennsylvania with Low Credit
USAA offers the most affordable auto insurance for Pennsylvania drivers with low credit, with an average annual premium of $1,588 — 50 percent lower than the statewide average of $3,201. However, USAA is only available to military members, veterans and their families. Nationwide ($2,224 annually) and Erie ($2,731 annually) also provide below-average rates for drivers with poor credit and are available regardless of military affiliation.
| Provider | Annual with Low Credit | Monthly with Low Credit |
|---|---|---|
| USAA | $1,588 | $132 |
| Nationwide | $2,224 | $185 |
| Erie | $2,731 | $228 |
| Travelers | $2,876 | $240 |
| GEICO | $3,580 | $298 |
| Allstate | $3,882 | $324 |
| Progressive | $4,305 | $359 |
| State Farm | $4,467 | $372 |
| Statewide average | $3,201 | $267 |
| National average | $3,377 | $281 |
FYI:
Like in most cases, auto insurance companies in Pennsylvania can use your credit score as a factor when determining your premiums. Poor credit can increase your rates by as much as a DUI.
Best Claims and Customer Satisfaction in Pennsylvania: Erie
While Travelers’ average rates are often slightly cheaper than Erie, its customer satisfaction scores are not as high. It’s worth comparing quotes from multiple providers — slightly higher premiums could be worth it if you have to file a claim. USAA and State Farm also offer strong customer service.
| Provider | Mid-Atlantic Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card Grade2 |
|---|---|---|---|
| USAA | 743 | 726 | D+ |
| Erie | 713 | 733 | A- (Honor Roll) |
| State Farm | 652 | 710 | C- |
| GEICO | 647 | 692 | C- |
| Nationwide | 642 | 728 | C |
| Travelers | 628 | 684 | C |
| Progressive | 624 | 672 | C |
| Allstate | 624 | 691 | D |
| Average | 654 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Pennsylvania
- 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.
- 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.
- 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.
- 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.
- 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.
- Consider low mileage and telematics-based discounts: If you drive fewer miles than the average driver, you may qualify for a low mileage discount. Additionally, many insurers offer telematics programs that track driving habits such as speed, braking and mileage, rewarding safe drivers with lower rates. Usage-based insurance and pay-per-mile policies can provide even more savings for those who drive infrequently or demonstrate consistently safe driving behavior.
Average Auto Insurance Cost in Pennsylvania by City
Philadelphia has the highest auto insurance rates in Pennsylvania, with an average annual premium of $3,230 — 67 percent higher than the statewide average. In contrast, Pittsburgh and Allentown offer more affordable options at $1,862 and $1,889 per year, both slightly below the state average. Erie has the lowest rates among major cities at $1,768 annually, making it 9 percent cheaper than the state average, while Scranton follows closely behind at $1,793 per year.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Philadelphia | $3,230 | $269 |
| Pittsburgh | $1,862 | $155 |
| Allentown | $1,889 | $157 |
| Erie | $1,768 | $147 |
| Scranton | $1,793 | $149 |
| Pennsylvania average | $1,939 | $162 |
Minimum Car Insurance Requirements in Pennsylvania
In Pennsylvania, drivers are required to carry a minimum level of car insurance to legally operate a vehicle. 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.
Frequently Asked Questions
Who has the cheapest car insurance in PA?
Erie ($1,239 for full coverage) and Travelers ($992) typically have the cheapest car insurance in PA. State Farm, USAA and Nationwide also tend to have cheaper-than-average rates. However, the cheapest provider for you will depend on your unique demographics and circumstances, so it’s important to compare quotes from multiple insurers.
What are the best discounts available for car insurance in Pennsylvania?
The best car insurance discounts in Pennsylvania vary by insurer, but some of the most common and valuable options include:
| Discount Type | Potential Savings | Details |
| Safe Driver Discount | Up to 40% | Drivers with a clean record and no recent
accidents or violations may qualify for significant savings. |
| Usage-Based Insurance (Telematics) Discount | Up to 40% | Programs like State Farm Drive Safe & Save and Nationwide SmartRide track driving habits and reward safe behavior. |
| Bundling Discount | 10%–25% | Insuring multiple policies, such as auto and home, with the same company can lead to discounts. |
| Good Student Discount | 10%–25% | Teen and young adult drivers who maintain a B average or higher may qualify. |
| Low Mileage Discount | Varies | Drivers who log fewer miles than average may receive lower rates. |
| Multi-Vehicle Discount | 10%–20% | Insuring more than one vehicle in the household on the same policy often results in savings. |
| Paid-in-Full Discount | 5%–10% | Paying for your policy upfront instead of in installments can reduce costs. |
| Defensive Driving Course Discount | 5%–15% | Some insurers provide discounts for completing a state-approved safety course, especially for older drivers. |
| Military or Affiliation
Discounts |
5%–15% | Some insurers, such as USAA and GEICO, offer lower rates for military members, veterans and certain professional organizations. |
The exact savings depend on the insurer and individual circumstances. To maximize discounts, compare providers, enroll in safe-driving programs and ask your agent to make sure you’re taking advantage of all the discounts for which you qualify.
How do insurance rates for young drivers compare between Erie and State Farm?
In Pennsylvania, Erie offers cheaper rates than State Farms for policies with a young driver. Erie’s average premium with a young driver is $3,437 annually ($286 monthly), which is over $200 cheaper than the statewide average of $3,670 annually ($306 monthly). State Farm’s rates are higher than average, at $5,461 annually ($455 monthly).
What are the average rates for car insurance in Pennsylvania for drivers with prior incidents?
Below is a breakdown of the average annual and monthly costs for drivers in Pennsylvania based on their driving history:
| Violation Type | Annual Average Rate | Monthly Average Rate |
| Speeding Ticket | $2,051 | $171 |
| At-Fault Accident | $2,453 | $204 |
| DUI | $2,654 | $221 |
| Clean Record & Good Credit | $1,939 | $162 |
Drivers with a clean record and good credit pay an average of $1,939 per year, which serves as a baseline for comparison. A speeding ticket increases rates by about 6 percent, while an at-fault accident raises premiums by 27 percent. A DUI results in the most significant increase, driving rates up by 37 percent compared to a clean record.
What is the best car insurance in Pennsylvania for full coverage?
Erie offers some of the best car insurance in Pennsylvania for full coverage. At $1,239 annually ($103 monthly), its average rates are 36 percent below the statewide average and it ranks highly on third-party measures of claims and customer satisfaction.
For Pennsylvania drivers looking for the absolute lowest rates, Travelers offers some of the cheapest full coverage insurance at $992 annually ($83 monthly), but its customer satisfaction scores are not as high as those of Erie.
Keep in mind that average rates don’t necessarily reflect how much you’ll pay. Your individual car insurance premium depends on a variety of unique factors, including your driving history, age, credit score, location and the type of coverage you choose. The best way to find out how much you’ll pay is to get a quote.
Methodology
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
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11). https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study
2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29). https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study
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