Erie Insurance offers the cheapest car insurance in Pennsylvania, with minimum-coverage policies averaging $49 a month. Our statewide analysis of car insurance quotes shows that Allstate, State Farm and USAA also offer competitive rates for many driver profiles. Read on for more about cheap car insurance in Pennsylvania.
In this article
Who offers the cheapest car insurance in Pennsylvania?
Erie offers the cheapest rates to a wide range of Pennsylvania drivers, including most teens and seniors, and those with certain prior incidents on their records. Allstate, State Farm and USAA are next lowest in many categories.
Since car insurance companies each use different processes to determine your premiums, you may qualify for a considerably lower rate with one company than you do with others. This is why it's best to compare auto insurance quotes from multiple companies when you shop.
Cheapest minimum-coverage car insurance in Pennsylvania
Erie offers the cheapest minimum-coverage car insurance for a typical Pennsylvanian with a clean driving record, $49 a month, followed by State Farm, $69 a month, Allstate, $70 a month, and USAA, $73 a month.
USAA is only available to current and former military members and their families, but we are including the organization in our analysis for reference.
The average cost of minimum-coverage car insurance in Pennsylvania is $83 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $570 | $48 |
| State Farm | $834 | $69 |
| Allstate | $837 | $70 |
| USAA | $882 | $73 |
| Nationwide | $884 | $74 |
| Average | $993 | $83 |
| Progressive | $1,059 | $88 |
| GEICO | $1,883 | $157 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
A minimum-coverage policy satisfies Pennsylvania's car insurance requirements for medical benefits coverage and 15/30/5 liability with the following limits:
- Medical benefits: $5,000
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $5,000 per accident
Medical benefits coverage pays to treat you and/or your passengers for injuries suffered in a car accident, regardless of fault. Bodily injury liability covers the treatment of others injured in an accident you cause. Property damage liability covers repairs to other people's vehicles or property following an accident you cause.
If your share of medical or car repair costs from an accident exceed your insurance limits, you may have to tap into your savings or other assets to cover the difference. This is one of the main reasons to consider policy limits and/or coverages that exceed the state's minimum requirements.
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Cheapest full-coverage car insurance in Pennsylvania
Erie also offers the cheapest full-coverage car insurance, $120 a month, which is less than State Farm, $162 a month, Allstate, $163 a month, and Nationwide, $166 a month.
For our analysis, a full-coverage policy includes higher liability limits than a minimum-coverage policy, as well as collision and comprehensive insurance, which cover repairs to your own car. Lenders typically require collision and comprehensive coverage if you finance your vehicle.
The average cost of full-coverage car insurance in Pennsylvania is $184 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,437 | $120 |
| State Farm | $1,940 | $162 |
| Allstate | $1,951 | $163 |
| Nationwide | $1,997 | $166 |
| USAA | $2,016 | $168 |
| Average | $2,212 | $184 |
| Progressive | $2,354 | $196 |
| GEICO | $3,792 | $316 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheap car insurance for Pennsylvania drivers with an accident history
Erie offers the lowest rate to a driver with an accident history, $129 a month for full coverage, which is significantly lower than the next-best rates of $217 a month from Allstate and $222 a month from State Farm.
The average monthly cost of full-coverage car insurance for a driver with an accident history is $274, a $90 increase over the cost for a driver with a clean record.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,552 | $129 |
| Allstate | $2,602 | $217 |
| State Farm | $2,669 | $222 |
| USAA | $2,924 | $244 |
| Average | $3,289 | $274 |
| Nationwide | $3,315 | $276 |
| Progressive | $3,527 | $294 |
| GEICO | $6,438 | $537 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheap car insurance for Pennsylvania drivers with a DUI
Allstate offers the cheapest car insurance to a typical driver with a DUI, charging $163 a month for full coverage. The next best rates are available from Erie, $191 a month, and Nationwide, $194 a month.
A DUI increases the average rate for full-coverage car insurance in Pennsylvania by 48% to $273 a month.
| Company | Annual | Monthly |
|---|---|---|
| Allstate | $1,951 | $163 |
| Erie | $2,292 | $191 |
| Nationwide | $2,322 | $194 |
| Progressive | $2,658 | $222 |
| USAA | $2,698 | $225 |
| Average | $3,280 | $273 |
| State Farm | $3,641 | $303 |
| GEICO | $7,395 | $616 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheap car insurance for Pennsylvania drivers with a speeding ticket
Erie offers the cheapest insurance to a typical Pennsylvania driver with a speeding ticket, charging $129 a month for full coverage. The next best rates are available from State Farm, $162 a month, and Allstate, $163 a month.
A speeding ticket increases the average cost of full-coverage car insurance in Pennsylvania by 11% to $205 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,552 | $129 |
| State Farm | $1,940 | $162 |
| Allstate | $1,951 | $163 |
| USAA | $2,254 | $188 |
| Nationwide | $2,322 | $194 |
| Progressive | $2,354 | $196 |
| Average | $2,465 | $205 |
| GEICO | $4,882 | $407 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Pennsylvania teens
Erie offers the cheapest car insurance to Pennsylvania teens, with rates for an 18-year-old averaging $108 a month for minimum coverage and $279 a month for full coverage.
The next best rates for 18-year-olds are available from USAA, which charges $119 a month for minimum coverage and $289 a month for full coverage, and Nationwide, which charges $200 a month for minimum coverage and $476 a month for full coverage.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,300 | $108 |
| USAA | $1,428 | $119 |
| Nationwide | $2,396 | $200 |
| State Farm | $2,708 | $226 |
| Average | $2,992 | $249 |
| Progressive | $3,004 | $250 |
| GEICO | $3,240 | $270 |
| Allstate | $6,870 | $573 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| Erie | $3,353 | $279 |
| USAA | $3,465 | $289 |
| Nationwide | $5,712 | $476 |
| State Farm | $6,583 | $549 |
| Progressive | $7,234 | $603 |
| Average | $7,261 | $605 |
| GEICO | $7,484 | $624 |
| Allstate | $17,000 | $1,417 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Insurance companies tend to charge teens the highest car insurance rates, because teens have the highest crash rates among all age groups. Teens can usually get a better rate by being added to a parent or guardian's car insurance policy, when possible. Young drivers with good driving records usually begin qualifying for more reasonable rates in their 20s.
Cheap car insurance for Pennsylvania teens with an accident history
Erie offers the cheapest insurance to 18-year-olds with an accident, $336 a month for full coverage, followed by USAA, $403 a month, and Nationwide, $555 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $4,027 | $336 |
| USAA | $4,831 | $403 |
| Nationwide | $6,663 | $555 |
| State Farm | $7,771 | $648 |
| Progressive | $8,213 | $684 |
| Average | $9,114 | $760 |
| GEICO | $12,199 | $1,017 |
| Allstate | $20,095 | $1,675 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheap car insurance for Pennsylvania teens with a DUI
Erie offers the cheapest car insurance for teens with a DUI, charging 18-year-olds $404 a month for full coverage. The next best rates are available from USAA, $492 a month, and Nationwide, $567 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $4,853 | $404 |
| USAA | $5,901 | $492 |
| Nationwide | $6,800 | $567 |
| Progressive | $7,619 | $635 |
| Average | $9,642 | $804 |
| State Farm | $10,742 | $895 |
| GEICO | $14,579 | $1,215 |
| Allstate | $17,000 | $1,417 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheap car insurance for Pennsylvania teens with a speeding ticket
USAA offers the cheapest car insurance to 18-year-old Pennsylvania drivers with a speeding ticket, charging $324 a month for full coverage. The next best rates are available from Erie, $336 a month, and State Farm, $549 a month.
| Company | Annual | Monthly |
|---|---|---|
| USAA | $3,884 | $324 |
| Erie | $4,027 | $336 |
| State Farm | $6,583 | $549 |
| Nationwide | $6,800 | $567 |
| Progressive | $7,234 | $603 |
| Average | $7,907 | $659 |
| GEICO | $9,820 | $818 |
| Allstate | $17,000 | $1,417 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
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Cheap car insurance for Pennsylvania's senior citizens
Erie offers the cheapest car insurance to senior citizen drivers with clean records in Pennsylvania, charging 60-year-olds $44 a month for minimum coverage and $110 a month for full coverage.
The next best rates for minimum-coverage car insurance for 60-year-olds are available from State Farm, $64 a month, and Nationwide, $65 a month. For full coverage, the best rates, after Erie, are available from Allstate, $134 a month, and Nationwide, $142 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $528 | $44 |
| State Farm | $774 | $64 |
| Nationwide | $780 | $65 |
| Allstate | $799 | $67 |
| USAA | $866 | $72 |
| Average | $893 | $74 |
| Progressive | $924 | $77 |
| GEICO | $1,581 | $132 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,326 | $110 |
| Allstate | $1,608 | $134 |
| Nationwide | $1,710 | $142 |
| State Farm | $1,767 | $147 |
| USAA | $1,857 | $155 |
| Average | $1,879 | $157 |
| Progressive | $1,890 | $157 |
| GEICO | $2,998 | $250 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheap car insurance for Pennsylvania seniors with an accident history
Erie offers the cheapest car insurance to seniors with an accident history, charging 60-year-old drivers $119 a month for full coverage. The next best rates are available from Allstate, $178 a month, and State Farm, $203 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,432 | $119 |
| Allstate | $2,141 | $178 |
| State Farm | $2,435 | $203 |
| Average | $2,910 | $242 |
| Nationwide | $2,950 | $246 |
| USAA | $2,978 | $248 |
| Progressive | $3,097 | $258 |
| GEICO | $5,333 | $444 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheap car insurance for Pennsylvania seniors with a DUI
Allstate offers the cheapest car insurance to seniors with a DUI, charging 60-year-olds $119 a month for full coverage. The next best rates are available from Nationwide, $165 a month, and Erie, $178 a month.
| Company | Annual | Monthly |
|---|---|---|
| Allstate | $1,608 | $134 |
| Nationwide | $1,981 | $165 |
| Erie | $2,133 | $178 |
| Progressive | $2,217 | $185 |
| USAA | $2,475 | $206 |
| Average | $2,957 | $246 |
| State Farm | $3,328 | $277 |
| GEICO | $6,957 | $580 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheap car insurance for seniors with a speeding ticket
Erie offers the cheapest car insurance to seniors with a speeding ticket, charging 60-year-olds $119 a month for full coverage. Next best are Allstate, $134 a month, and State Farm, $147 a month.
| Company | Annual | Monthly |
|---|---|---|
| Erie | $1,432 | $119 |
| Allstate | $1,608 | $134 |
| State Farm | $1,767 | $147 |
| Progressive | $1,890 | $157 |
| Nationwide | $1,981 | $165 |
| USAA | $2,076 | $173 |
| Average | $2,156 | $180 |
| GEICO | $4,341 | $362 |
| Note: Average full-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Pennsylvania car insurance rates by city
Your location can play a big role in determining your car insurance rates, with prices for minimum-coverage insurance ranging from $59 a month in Lancaster to $131 a month in Philadelphia.
Car insurance tends to cost more in denser cities, where the likelihood of being involved in a car accident and the costs of settling claims are often higher than in rural areas.
| City | Average annual rate | Average monthly rate |
|---|---|---|
| Abington | $1,047 | $87 |
| Allentown | $857 | $71 |
| Bensalem | $1,154 | $96 |
| Erie | $746 | $62 |
| Lancaster | $707 | $59 |
| Philadelphia | $1,570 | $131 |
| Pittsburgh | $741 | $62 |
| Reading | $801 | $67 |
| Scranton | $796 | $66 |
| Upper Darby | $1,409 | $117 |
| State average | $993 | $83 |
| Note: Average minimum-coverage rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Frequently asked questions about car insurance in Pennsylvania
Who has the cheapest car insurance in Pennsylvania?
Erie offers the cheapest car insurance in Pennsylvania, with rates averaging $48 a month for minimum coverage and $120 a month for full coverage.
What are Pennsylvania's minimum auto insurance requirements?
Pennsylvania law requires at least $5,000 in medical payments coverage, bodily injury liability coverage of $15,000 per person and $30,000 per accident and $5,000 in property damage liability. Lenders usually also require collision and comprehensive coverage.
Is Pennsylvania a no-fault state for auto insurance?
Pennsylvania is a "choice" no-fault state for auto insurance. You can choose between limited-tort and full-tort insurance. A limited-tort policy, which costs less, restricts your ability to sue an at-fault driver who injures you in a car accident. Full tort has no such restrictions.
Methodology
In our analysis of Pennsylvania car insurance rates, we used Quadrant Information Services to obtain quotes from seven of the state's leading car insurance companies for drivers from the state's 10 most-populated cities. Unless otherwise noted, our typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average of 13,500 miles a year.
Minimum-coverage car insurance policies used in our analysis satisfy Pennsylvania's financial responsibility law. These include limits of $5,000 for medical payments coverage and 15/30/5 liability.
Full-coverage policies meet the minimum requirement for medical payments coverage and have the following additional limits and deductibles for liability, collision and comprehensive coverage:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
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