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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 $1,100.84. 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
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
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.
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Pennsylvania drivers pay an average of $1,100.84 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $91.74 per month. Pennsylvania drivers pay about 7% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Pennsylvania car insurance quick facts

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Minimum liability requirements

15/30/5

Average annual car insurance cost according to the NAIC

$1,100.84

At-fault state

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

Pennsylvania state minimum car insurance requirements

Drivers in Pennsylvania are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 15/30/5, but we’ll break down what that means.

    Bodily Injury Liability

    Pennsylvania bodily injury liability

    • $15,000 bodily injury liability per person
    • $30,000 bodily injury per accident

    Pennsylvania requires $15,000 in bodily injury liability per person and $30,000 of bodily injury per accident. That’s right in line with what most states require for liability coverage, though the per accident limit is slightly higher than the typical $50,000 limit.

    This means $15,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $30,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Pennsylvania property damage liability

    • $5,000 property damage liability

    Pennsylvania requires drivers to carry $5,000 of property damage liability to legally drive. This coverage requirement is the lowest among the states.

    This means $5,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Personal injury protection or medical payments

    Pennsylvania medical benefits

    • $5,000 medical benefits

    Pennsylvania drivers are required to carry $5,000 worth of medical benefits coverage to legally drive.

    This coverage helps pay your or your passenger’s medical expenses if you’re injured in an accident, regardless of fault.

    Finder tip: Pennsylvania state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Pennsylvania, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    Most popular Pennsylvania auto insurance companies list

    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%

    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

    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

    profile pic

    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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