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Get the cheapest car insurance in Pennsylvania for 2020

Best cheap car insurance in Pennsylvania for 2020 | finder.com

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.

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

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Compare Pennsylvania car insurance

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.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
Available in 30 states
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
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.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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Compare up to 4 providers

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
Esurance$3242
SafeAuto$2457
Progressive$1808

Car insurance quotes in Lancaster

CompanyAnnual car insurance rate
Allstate$1774
Metromile$718
Esurance$3354
SafeAuto$2478
Progressive$1628

Car insurance quotes in Lansdale

CompanyAnnual car insurance rate
Allstate$2147
Metromile$915
Esurance$3939
SafeAuto$2832
Progressive$1953

Car insurance quotes in Philadelphia

CompanyAnnual car insurance rate
Allstate$3959
Metromile$1572
Esurance$5340
SafeAuto$5230
Progressive$2862

Car insurance quotes in Bensalem

CompanyAnnual 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

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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.

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Frequently asked questions about Pennsylvania car insurance

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