Auto Insurance In Pa: Finding The Cheapest Rates

Pennsylvania drivers pay an average of $514 for minimum coverage and $2,450 for full coverage, which includes collision and comprehensive insurance. These averages aren't far from the national averages, which are $639 for minimum and $2,348 for full coverage. If you live in the Keystone State, you're probably looking for the cheapest car insurance in Pennsylvania.

Travelers, Nationwide, Erie Insurance, USAA and Westfield Insurance are the cheapest car insurance providers in Pennsylvania.

The cheapest car insurance company in Pennsylvania for minimum coverage is Erie, while Geico offers the cheapest full coverage.

Cheapest minimum coverage

The cost of car insurance varies depending on your age, location, driving history, and other factors. The average cost of car insurance in Pennsylvania is $1,266 per year for minimum coverage, according to thezebra.com. However, you can find cheaper options. Here are some of the cheapest options for minimum coverage in Pennsylvania:

• Erie Insurance: Erie offers the cheapest state minimum car insurance in Pennsylvania, with rates as low as $28 per month.
• Travelers: Travelers is another affordable option, with an average annual premium of $796 for minimum coverage.
• USAA: USAA offers cheap rates for military members, veterans, and their families. However, their coverage is not available to the general public.
• Nationwide: Nationwide is also a good option, with competitive rates for minimum coverage.
• Liberty Mutual: While not the cheapest, Liberty Mutual offers customizable policies, so you only pay for what you need.

When choosing a car insurance policy, it's important to consider not only the cost but also the coverage and reliability of the company. Be sure to compare quotes from multiple providers and read reviews to find the best option for your needs.

Cheapest full coverage

Full coverage car insurance in Pennsylvania is $1,652 per year, or $138 per month on average. However, there are a few insurance companies that offer cheaper rates.

Erie

Erie offers the best cheap car insurance in Pennsylvania, with full coverage costing $97 per month. This is $58 per month cheaper than the statewide average.

Travelers

Travelers offers the cheapest full coverage in Pennsylvania, with an average rate of $1,007 per year according to NerdWallet's September 2024 analysis. This is roughly $500 less than the state’s average cost of auto insurance.

State Farm

State Farm offers the cheapest full coverage for drivers with a DUI on their record. Its rates average $1,202 a month for full coverage, which is 35% cheaper than the state average.

Nationwide

Nationwide has the best cheap quotes for Pennsylvania drivers with a low credit score. At $220 per month for full coverage, Nationwide's rate is 28% cheaper than the state average.

Cheapest for drivers with a poor record

If you have a poor driving record, you may find it challenging to find affordable car insurance in Pennsylvania. However, some companies offer more competitive rates for drivers with a history of incidents. Here are some of the cheapest car insurance options for drivers with a poor record in Pennsylvania:

Erie

Erie offers the cheapest car insurance in Pennsylvania for drivers with a poor record. Their rates for full coverage are $97 per month, which is $58 cheaper than the statewide average. They also offer the cheapest state minimum car insurance in Pennsylvania, at $28 per month.

The Hartford

The Hartford is a good option for drivers with a DUI on their record. Their rates average $145 a month for full coverage, which is 35% cheaper than the state average.

Nationwide

Nationwide has the best cheap quotes for Pennsylvania drivers with a low credit score. Their full coverage rate is $220 per month, which is 28% cheaper than the state average.

Progressive

Progressive is a good option for high-risk drivers in Pennsylvania. They offer the cheapest average rate for young drivers with a DUI on their record.

Auto-Owners

Auto-Owners is a good option for drivers with a speeding ticket on their record. Their rates are lower than the state average for both minimum and full coverage.

Cheapest for young drivers

Young drivers in Pennsylvania can expect to pay higher insurance premiums than older drivers. This is because younger people have less experience on the road and are statistically more likely to be involved in accidents. However, there are still ways to find cheap car insurance for young drivers in the state.

Erie

Erie offers the best minimum coverage car insurance rates in Pennsylvania for young drivers. A minimum coverage policy from Erie is 41% cheaper than the state average, at $70 per month.

USAA

Young drivers can find even cheaper quotes with USAA. However, you have to be a military member, veteran, or the spouse or child of a military member to buy car insurance from USAA.

The Hartford

The Hartford offers the best rate for full coverage, at $210 per month for an 18-year-old. That's 42% cheaper than the Pennsylvania average for teen drivers, which is $364 per month.

Travelers

Travelers is the cheapest car insurance company in Pennsylvania for young drivers. Its average rate for both 17-year-old female and male drivers is $2,578 per year. That's far less than the statewide average rates for teen drivers: $4,503 for females and males.

Geico

Geico is the cheapest car insurance for insuring a teen driver in Pennsylvania.

Progressive

Progressive has the highest average rate for female and male young adults: $2,767 per year.

Cheapest by city

The cost of car insurance varies depending on the city in Pennsylvania. Philadelphia, for example, has the highest car insurance rates in the state, with an average of $278 per month for full coverage. Houserville, on the other hand, has the cheapest insurance quotes, with an average of $124 per month.

• Houserville
• Harrisburg
• Allentown
• Pittsburgh
• Mechanicsburg

And here is a list of the most expensive cities in Pennsylvania for car insurance, on average:

• Philadelphia
• Scranton
• Erie
• Allentown
• Reading

Frequently asked questions