Get the cheapest car insurance in Pennsylvania for 2020

If you plan to drive in Pennsylvania, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Pennsylvania’s average annual car insurance cost of around $1,300.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Pennsylvania
• List of insurance companies in Pennsylvania

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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Most popular Pennsylvania auto insurance companies list

Company	Direct premiums written (billions)	Market share
State Farm	$1,766,674	19.4%
Erie	$1,205,359	13.2%
Allstate	$1,031,027	11.3%
Progressive	$992,187	10.9%
Geico	$785,490	8.6%
Nationwide	$734,472	8.0%
Liberty Mutual	$428,928	4.7%
Travelers	$339,612	3.7%
USAA	$319,602	3.5%
Farmers	$216,193	2.4%

Average car insurance costs in Pennsylvania

Pennsylvania’s drivers can expect to pay something in the ballpark of $1,300 annually, which is slightly more than the national average. If you’re moving to Pennsylvania with a driving record that’s free of accidents or serious driving violations, you’ll likely pay that same amount.

The most expensive areas to insure a car are typically neighborhoods around Philadelphia and Pittsburgh. That’s because city living often comes with some additional risk for car accidents, vandalism and theft. In the state’s many small towns and rural areas, you’re likely to find lower insurance rates thanks to fewer people, less crime and not too many cars on the road overall.

Which city has the cheapest car insurance in Pennsylvania?

Of Pennsylvania’s largest cities, Lancaster has the cheapest rates and Philadelphia has the most expensive car insurance rates. Philadelphia drivers could face rates 7 times more than Lancaster drivers.

• Greensburg
• Lancaster
• Lansdale
• Philadelphia
• Bensalem

State minimum requirements in Pennsylvania

To legally drive in Pennsylvania, you’ll need insurance that includes at least:

• $15,000 bodily injury liability per person per accident
• $30,000 total bodily injury liability per accident
• $5,000 per accident for property damage

Can I get SR-22 insurance in Pennsylvania?

No, Pennsylvania is one of a few states that doesn’t require SR-22 insurance if you’re convicted of a DUI, accumulate too many violation points on your driving record or if are caught driving without car insurance. An SR-22 isn’t actually a type of insurance, but rather an attachment you file with the state government showing that your car insurance policy meets or exceeds the state minimums for coverage. You will need to maintain your current SR-22 if you’re moving to Pennsylvania from another state.

Bottom line

Car insurance can protect you, your vehicle and others on the road after any kind of accident. And in the great state of Pennsylvania, it’s required by law if you want to get behind the wheel.

To learn more car insurance laws and regulations and how you can find the best rates and policy options, read compare your car insurance options.

Frequently asked questions about Pennsylvania car insurance

• Does Pennsylvania offer high-risk car insurance coverage?

  It can be difficult to find coverage after you’re convicted of a DUI, have a serious accident, or let your coverage lapse. In Pennsylvania, you can enroll in the Pennsylvania Assigned Risk Plan. All providers in the state are required to participate in this program, and you’re assigned to whichever one is best for your situation.

• If my windshield gets damaged, will my liability coverage cover the repair?

  Unfortunately, no. Depending on your level of coverage, your provider might waive the deductible for glass repairs. But for coverage to include windshields, you almost always need comprehensive coverage on your policy.

• Do I have to use the mechanic my insurance provider recommends?

  No. But it’s good to remember that your provider will only pay local market rates for labor and part costs. If you go to a mechanic or shop that’s known to be more expensive than average shops in your area, your insurance may not cover all of the cost, and you could end up owing some money after all’s said and done.

• Why is my claim bill more than my initial quote?

  While an agent can give you a strong estimate and even find coverage for you, final underwriting for your policy is in the hands of the insurance provider. Your final insurance rate is assessed according to the company’s guidelines and could be higher than your initial quote.