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Get the cheapest car insurance in Pennsylvania for 2020
Best cheap car insurance in Pennsylvania for 2020 | finder.com
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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.
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
Compare Pennsylvania car insurance
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% |
What's in this guide?
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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1876 |
| Metromile | $793 |
| Esurance | $3242 |
| SafeAuto | $2457 |
| Progressive | $1808 |
Car insurance quotes in Lancaster
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1774 |
| Metromile | $718 |
| Esurance | $3354 |
| SafeAuto | $2478 |
| Progressive | $1628 |
Car insurance quotes in Lansdale
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2147 |
| Metromile | $915 |
| Esurance | $3939 |
| SafeAuto | $2832 |
| Progressive | $1953 |
Car insurance quotes in Philadelphia
| Company | Annual car insurance rate |
|---|---|
| Allstate | $3959 |
| Metromile | $1572 |
| Esurance | $5340 |
| SafeAuto | $5230 |
| Progressive | $2862 |
Car insurance quotes in Bensalem
| Company | Annual car insurance rate |
|---|---|
| Allstate | $3124 |
| Metromile | $1043 |
| Esurance | $4584 |
| 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
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.
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