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Get the cheapest car insurance in Pennsylvania

Best cheap car insurance in Pennsylvania for 2021

The average annual cost of car insurance in Pennsylvania is $1,300. Narrow down car insurers offering coverage in Pennsylvania by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Gabi
Optional
Optional
Yes
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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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.

Pennsylvania

Car insurance quick facts

15/30/5

Minimum liability requirements

$1,300

Average annual car insurance cost

30

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

CompanyDirect premiums written (billions)Market share
State Farm$1,766,67419.4%
Erie$1,205,35913.2%
Allstate$1,031,02711.3%
Progressive$992,18710.9%
Geico$785,4908.6%
Nationwide$734,4728.0%
Liberty Mutual$428,9284.7%
Travelers$339,6123.7%
USAA$319,6023.5%
Farmers$216,1932.4%

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.

Car insurance quotes in Greensburg

CompanyAnnual car insurance rate
Allstate$1876
Metromile$793
SafeAuto$2457
Progressive$1808

Car insurance quotes in Lancaster

CompanyAnnual car insurance rate
Allstate$1774
Metromile$718
SafeAuto$2478
Progressive$1628

Car insurance quotes in Lansdale

CompanyAnnual car insurance rate
Allstate$2147
Metromile$915
SafeAuto$2832
Progressive$1953

Car insurance quotes in Philadelphia

CompanyAnnual car insurance rate
Allstate$3959
Metromile$1572
SafeAuto$5230
Progressive$2862

Car insurance quotes in Bensalem

CompanyAnnual car insurance rate
Allstate$3124
Metromile$1043
SafeAuto$3763
Progressive$2354

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.

Case study: Gabrielle’s experience

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Gabrielle Pastorek

Writer

My family and I have had Erie auto insurance for years. If you can take advantage of bundling and other perks, Erie’s insurance rates in Pennsylvania are very competitive. For example, I bundle my home and auto policy, have two vehicles on my auto policy and pay yearly rather than monthly to maximize my discounts. I do carry full coverage on both vehicles, which can come in handy whether you live in a bigger city or a rural area.

In bigger cities like Pittsburgh and Philadelphia, accidents and fender benders are going to be more common, while deer are a big problem for most rural and suburban Pennsylvania drivers in the fall and winter. Keep in mind that you’ll most likely need to carry comprehensive coverage for accidents involving deer.

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

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