
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
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.
Car insurance quick facts
In at fault states, the driver who caused the accident pays for damages.
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% |
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.
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.
Company | Annual car insurance rate |
---|---|
Allstate | $1876 |
Metromile | $793 |
Esurance | $3242 |
SafeAuto | $2457 |
Progressive | $1808 |
Company | Annual car insurance rate |
---|---|
Allstate | $1774 |
Metromile | $718 |
Esurance | $3354 |
SafeAuto | $2478 |
Progressive | $1628 |
Company | Annual car insurance rate |
---|---|
Allstate | $2147 |
Metromile | $915 |
Esurance | $3939 |
SafeAuto | $2832 |
Progressive | $1953 |
Company | Annual car insurance rate |
---|---|
Allstate | $3959 |
Metromile | $1572 |
Esurance | $5340 |
SafeAuto | $5230 |
Progressive | $2862 |
Company | Annual car insurance rate |
---|---|
Allstate | $3124 |
Metromile | $1043 |
Esurance | $4584 |
SafeAuto | $3763 |
Progressive | $2354 |
To legally drive in Pennsylvania, you’ll need insurance that includes at least:
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.
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.
Compare car insurance companies near you.
Your information is secure.
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.
This insurer has four dental plans to choose from — compare costs and features now.
You can pay for car insurance in Bitcoin, even if your insurer doesn’t accept it yet.
Find unusually low face values for a whole life policy, ideal for supplemental insurance.
Compare premiums, deductibles and coinsurance for every Medicare plan in 2021.
Get pet insurance that reimburses 100% of your vet bills or a separate wellness plan.
A poor driving record may result in higher rates on your life insurance, with some insurers turning you away altogether.
Preliminary data on fatal accidents and driving behavior could explain why drivers haven’t seen higher insurance refunds.
See average EV insurance rates for 2021 based on Finder’s car model research, plus new models on the horizon.
Learn how insurance companies use identifying info from your VIN to set rates.
ocDoc insurance