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.

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• Top auto 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	Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current bill and get 20+ quotes from top brands for the same level of coverage.	Get quotes More Info	Compare	loading Fetching your data...
Root					52%	Available in 30 states	Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Convenient online quotes, coverage and claims for tech-savvy drivers.	Get quotes More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.	Get quotes 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.