Cheap Car Insurance in PA

Want to save money on your car insurance? Find and compare free custom quotes here.

Whether you live in Philadelphia, Pittsburgh or the forests of northern Pennsylvania, you need car insurance to drive legally. That doesn’t mean you have to spend a fortune — find the best cheap car insurance in PA here

Pennsylvania Car Insurance Overview

Here’s a quick snapshot of a few Pennsylvania car insurance stats and minimum insurance requirements

  • Most Pennsylvania households have an average of 2 cars.
  • Pennsylvania minimum state car insurance requirements:
    • Medical bills: $5,000
    • Bodily injury liability: $15,000 per person and $30,000 per accident
    • Property damage liability: $5,000
  • You can expect to pay an average of $1,814 for car insurance annually if you have a clean driving record.

Best Car Insurance in Pennsylvania

Compare Quotes securely through Allstate’s website
SR-22 Insurance
Yes
N/A
1 Minute Review

Allstate is one of the largest insurance companies in the country, and it’s been around for 90 years. That means it’s secure and able to pay your car insurance claims. That doesn’t mean it’s stodgy, though. It has introduced innovations like Drivewise, which allows you to save on your insurance based on your driving habits, and Milewise, which is pay-per-mile insurance. 

You can purchase insurance online or through an Allstate agent. Allstate offers several options for discounts that can bring down your policy costs significantly. It also offers several types of insurance so you can have all or most of your policies with 1 insurer. 

Overall, Allstate is a good choice and worth comparing with other insurers to see if it’s right for you. It’s available in all 50 states and has an A+ rating from AM Best. 

Best For
  • Personalized service
  • Pay-per-mile insurance from an established company
  • Buying multiple types of insurance
Pros
  • Extensive agent network
  • Easy sign-up process
  • Many customer service options
Cons
  • Drivewise and Milewise aren’t available in all states
Get a Quote securely through The AARP Auto Insurance Program from The Hartford’s website
SR-22 Insurance
Yes
N/A
1 Minute Review

The AARP Auto Insurance Program from The Hartford is designed exclusively for AARP members who are at least 50 years old. Some of the unique features of the program can help you save money on your policy over time, especially if you have and maintain a clean driving record.

Other stand-out features include new car replacement (rather than the depreciated value), reimbursements for expenses incurred if you get injured in an accident and lifetime repairs guarantees. 

The AARP Auto Insurance from The Hartford is rated #1 by J.D. Power and Associates for customer satisfaction in handling auto insurance claims.

Best For
  • Safe drivers who are looking to save money
  • AARP members at least 50 years old
Pros
  • Offers unique coverages and benefits that can be added to a standard auto insurance policy
  • Allows drivers to save for safe driving
  • Rated #1 by J.D. Power for customer satisfaction in auto claims handling
Cons
  • Only available for AARP members
  • Must be at least 50 years old to qualify
SR-22 Insurance
Yes
N/A
1 Minute Review

Progressive auto insurance is among the first of the larger insurers to actively embrace usage-based insurance via electronic monitoring of driving habits. Often a refuge for younger drivers and drivers who have been refused insurance elsewhere, progressive markets and supports its insurance products through its website and a network of independent agents.

Best For
  • Young and less-experienced drivers
  • Drivers with consistently good driving habits
  • Rates for good drivers
  • RV drivers
Pros
  • More welcoming to less-experienced drivers
  • Great website and mobile app functionality
  • Driving based discounts can be generous
Cons
  • Relatively smaller agent network may leave some without a local agent
  • Rates can increase at renewal based on driving data from Progressive’s Snapshot.
compare quotes securely through AAA’s website
Best For
Roadside assistance
N/A
1 Minute Review

The American Automobile Association (AAA) is a federation of auto clubs, and it offers a wide range of insurance options, including car insurance. It is the most trusted and familiar name in auto-related services. The company has come a long way since its founding, but the mission remains the same. 

Safe and efficient transportation is exactly what AAA commits to per the company’s core statement. AAA is probably best known for its roadside assistance, but the company offers a variety of insurance coverage and memberships as well. AAA strives to make your life easier with its insurance coverage for you and your family. Your safety and security is AAA’s priority.

 

Best For
  • AAA Members
  • Roadside Assistance
  • Extra insurance perks
  • Anyone looking for unique insurance carriers
Pros
  • Serves all states
  • Mobile app
  • Emergency roadside assistance
Cons
  • Have to be an AAA member
  • Policies not available in every area

Car insurance is often a big part of any driver’s budget. You can save thousands over the course of your lifetime by shopping for the best car insurance rates. We took the time to scour insurance companies in Pennsylvania to make your search for cheap car insurance a little easier.

PA Car Insurance Law

Pennsylvania requires drivers to carry certain types and amounts of car insurance. You’ll need at least the minimum required coverage to register a vehicle or legally drive on any road as a Pennsylvania resident.

Like most states, Pennsylvania car insurance laws are in place to help reduce damages if you cause an accident. Take a look at what each type of required insurance coverage entails.

  • Medical bills coverage: Medical bills coverage ($5,000 minimum) helps pay for medical bills if you or any passengers are injured in an accident, regardless of fault. For example, let’s say you run off the road and break your leg. This coverage would pay for your medical bills.
  • Bodily injury liability: This coverage helps cover your medical bills or damages if you cause an accident and injure another person. Pennsylvania requires you to have at least $15,000 of bodily injury coverage per person and $30,000 of coverage per accident.
  • Property damage liability: This type of coverage helps pay for repairs or replaces another person’s damaged personal property if you cause an accident and are at fault. You must have at least $5,000 of personal property coverage. Some insurance companies combine bodily injury and property damage into one coverage — $35,000 per accident.
  • Full or limited tort: Pennsylvania allows you to choose full or limited tort, or the option to sue for pain and suffering after an accident. If you choose limited tort, you may see cheaper car insurance costs. However, you give up the option to collect payment for certain damages. Choosing full tort gives you the right to sue an at-fault driver for damages, including pain and suffering.

Cheapest PA Car Insurance by Vehicle

Want to learn how to lower your car insurance in one step? Drive a car that’s cheaper to insure. The type of vehicle you drive can play a big role in how much you pay for car insurance.

These types of vehicles might cost less to insure:

  • Large vehicles, such as trucks or SUVs
  • Vehicles that have added safety features and ratings
  • Vehicles that have a chance of being stolen
  • Older vehicles 

Your car insurance rates can spike due to:

  • A lack of safety features
  • High probability of theft
  • Newer vehicles that are more expensive to replace or repair
  • Expensive vehicles with specialized parts

The popularity of a vehicle might be an indication of how much it costs to insure. The most popular car models in Pennsylvania include:

  1. Ford F-150
  2. Honda CR-V
  3. Toyota RAV4
  4. Ram truck
  5. Chevrolet Silverado
  6. Chevrolet Equinox
  7. Jeep Cherokee
  8. Ford Escape
  9. Honda Civic
  10. Subaru Forester

Cheapest Car Insurance Rates by Insurance Credit Score

Did you know that some insurance companies use your insurance credit score to help determine your insurance rate?  Your insurance credit score is often linked to the number of insurance claims you file. A lower credit score often means you’re more likely to file an insurance claim or if you will pay your premium on time.

A good credit score can help you save money on car insurance. A poor credit score, on the other hand, may increase your insurance costs.

Your low credit score doesn’t have to cost you extra in insurance premiums — this is the regular payment you make for insurance. Look for ways to raise your credit score before you start your search for the cheapest car insurance in Pennsylvania.

See how credit scores can affect insurance prices below.

Credit ScoreCheapest Car ProviderRate For State Minimum Coverage
Poor 300–579Esurance$2,135
Fair 580–669State Farm$1,778
Good 670–739AAA$1,358
Excellent 740+Plymouth Rock$1,171

Insurance for Drivers with a Clean Record

You likely have lower insurance costs if you’re a good driver. Insurance providers know a good driver is less likely to be in an accident compared to a driver with traffic violations. You may even be eligible for good driver discounts on car insurance.

Maintain your clean driving record and keep your risk of an accident low. Follow these helpful good driving tips:

  • Always wear your seat belt.
  • Reduce distractions while driving — put your cellphone away.
  • Reduce your driving speed in hazardous road conditions like rain or snow.
  • Practice defensive driving.

The longer you go without an accident, the more likely you’ll save money on car insurance.

In addition to your clean record, the type of coverage you choose affects your car insurance rates in Pennsylvania. Three common coverage options include:

  • State minimum coverage: The state minimum coverage for Pennsylvania residents involves liability coverage. This helps protect other drivers on the road if you cause an accident.
  • Standard coverage: Standard car insurance coverage usually refers to a basic insurance policy. You may have more coverage than the state minimum. Standard coverage is often the most common type of coverage for an average driver.
  • Full coverage: Full insurance coverage gives you extra protection in addition to liability coverage. A full-coverage policy often includes comprehensive coverage and collision coverage.
  • Comprehensive coverage: This type of car insurance covers almost any damage to your vehicle not due to a collision. Many comprehensive policies offer coverage for theft, vandalism and falling branches from trees.
  • Collision coverage: Collision coverage protects your vehicle from damages due to collision with another object. For example, let’s say you accidentally rear-end another driver. Your property damage liability coverage helps pay for the repairs to their vehicle, but not to your own. Collision coverage helps pay for the damage to your vehicle. You can also use collision coverage if you back into a tree or other collisions that don’t involve another vehicle.
Insurance CompanyState Minimum InsuranceStandard CoverageFull Coverage
Allstate$917$1,398$1,833
Nationwide$679$1,407$1,944
Plymouth Rock$921$1,317$2,086
State Farm$997$1,314$2,864

PA Insurance Rates with Driving Infractions

A clean driving record can help lower your car insurance and driving violations can increase your costs. Common driving infractions that greatly affect your car insurance rates include:

  • At-fault accidents
  • Speeding tickets and moving violations
  • DUI

Take a look at the chart below to see how these infractions affect car insurance rates.

Insurance CompanyAt-Fault Accident Speed Violation DUI
Auto-Owners$2,040$1,739$6,700
Grange$2,600$1,556$6,263
New Jersey Manufacturers$2,313$1,333$6,491
Penn National$2,866$1,352$5,115
Kemper$3,346$1,467$6,673

PA Car Insurance Providers Reviews

You have a lot of options for car insurance in Pennsylvania. It can be tough to find the right insurance company for you, but it’s likely you want the cheapest car insurance possible. You also need the right amount of coverage for your vehicle.

We searched through insurance providers in Pennsylvania to find the ones that give you affordable prices. Our picks take into account independent ratings from J.D. Power and AM Best. Check out the best car insurance companies for cheap auto coverage in Pennsylvania.

SR-22 Insurance
Yes
Online Purchase
No
Pros
  • Dividend-paying policies in some states
  • Great website and mobile app functionality
  • Total protection without depreciation for new cars
Cons
  • Very few brick-and-mortar locations
  • Mobile application sometimes suffers from connectivity issues

1. Best Overall: Amica Mutual

Amica Mutual is an easy pick for the best overall car insurance provider in Pennsylvania. Amica takes one of the top spots in all of the 2019 J.D. Power car insurance ratings.

This includes the award for the Auto Claims Satisfaction Study and Auto Insurance Study for New England. Amica places in the top 3 for the Insurance Shopping Study. These awards highlight Amica’s price, policy offerings and overall customer satisfaction.

SR-22 Insurance
Yes
Online Purchase
No

2. Cheapest Car Insurance in PA: Erie Insurance

The only insurance provider to beat out Amica in the J.D. Power 2019 Insurance Shopping Study is Erie Insurance. Car insurance prices from Erie are often the cheapest available if you have an average driving record and vehicle.

The financial rating for Erie is an A+ from AM Best. This rating shows the company has strong financial stability and the ability to pay you when you file a claim.

SR-22 Insurance
Yes
Online Purchase
No
Pros
  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
Cons
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members

3. Best for Military Personnel: USAA

Are you an active-duty military member, a retired veteran or an honorably discharged veteran? Your best auto insurance option is USAA.

USAA is only available for military members, veterans and their immediate family members (spouse, widow and children). The company offers the cheapest insurance if you qualify for membership.

Get Cheap Car Insurance in PA

It doesn’t have to be hard to find cheap car insurance in Pennsylvania. Here are the best insurance companies — get a cheap car insurance quote today.

Frequently Asked Questions

Q

Is there any way I can lower my insurance premiums?

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Is there any way I can lower my insurance premiums?
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You can often get a lower premium by maintaining coverage without any gaps in coverage. You can also lower your premium with discounts like bundling your policies with the same carrier.  Get a customized quote to see if you can lower your premiums.

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Q

How much is my car insured for?

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How much is my car insured for?
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With a standard auto insurance policy, your vehicle is insured using actual cash value, which means that a deduction may be taken for depreciation based on age, mileage or condition of the vehicle.   As your vehicle ages, it may be worth less money which reduces the insurable value. If you own a collectible or classic car, you’ll want to consider a specialized classic car insurance policy that insures your vehicle to its full value without a deduction for depreciation.

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I drive for a rideshare company, am I covered by my auto insurance?

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I drive for a rideshare company, am I covered by my auto insurance?
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The standard auto insurance policy has a ‘business’ use option.  However, that usage has rules as to how it can be applied.   For those that work for Lyft and Uber (for example), Insurance carriers today have now added a rideshare endorsement that can be applied to the auto policy.  While you are on the way to pick up your rider, your insurance carrier extends coverages.   Once the rider is in your vehicle, Lyft or Uber picks up the insurance coverage until the rider is dropped off.  Always check with your agent on whether or not this is covered on your auto policy.   Some carriers do not offer it.  Compare companies here for the best rideshare coverage.

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*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.

Continue reading: AUTO INSURANCE IN PHILADELPHIA