When looking for the best car insurance in Pennsylvania, Reviews.com considered more than a dozen different carriers. We analyzed factors such as each company’s average premiums, customer satisfaction, coverage options, discounts, financial strength and more. Despite recent premium increases nationwide, drivers in the state still have many strong choices, and the best car insurance companies in Pennsylvania pair solid service with competitive pricing for a range of budgets.
The 4 Best Car Insurance Companies in Pennsylvania
To find the best car insurance companies in Pennsylvania, Reviews.com analyzed average premiums, coverage options, discounts, financial strength, policy features, customer satisfaction, and more. We found that the following four companies sell some of the best car insurance in the Keystone State:
- USAA: Best for Military-Centric Options
- Erie: Best for Steady Rates
- Geico: Best for Low Rates
- State Farm: Best for Customer Satisfaction
Compare the Best Car Insurance Companies in Pennsylvania
The carriers we chose to feature here are based on our unique methodology process. The comparison table below uses a 2021 dataset for average premiums (via Bankrate’s rate analysis), AM Best financial strength ratings and J.D. Power customer satisfaction. Since then, premiums have risen materially nationwide (BLS CPI); use the table for relative comparisons and see the updated statewide averages and satisfaction benchmarks below from Bankrate and J.D. Power 2025. Because companies are repricing frequently, your quotes may differ.
| Average Annual Minimum Coverage Premium* | Average Annual Full Coverage Premium* | AM Best Financial Strength Rating AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin USAA | $290 | $1,126 | A++ | 896** | |
| Pin Erie | $293 | $1,079 | A+ | 856 | |
| Pin Geico | $267 | $916 | A++ | 835 | |
| Pin State Farm | $294 | $1,143 | A++ | 851 |
Table details reflect a 2021 dataset; current 2024–2025 averages are higher. See updated statewide averages in the section below.
* Premium data for the comparison table reflect Bankrate’s historical dataset; current statewide averages are updated regularly by Bankrate.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Mid-Atlantic region. Based on a 1,000-point scale. USAA not officially rated due to eligibility restrictions. For the latest national benchmark, see J.D. Power’s 2025 U.S. Auto Insurance Study and the ACSI 2024–2025 P&C Insurance study.
USAA
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Coverages and discounts are uniquely tailored to military families
- Excellent customer satisfaction
- Superior financial strength
Cons
- Only available to military members and some family members
- Few physical locations
- Fewer discounts than other carriers
OTHER POLICIES OFFERED
- Homeowners
- Antique auto
- Boat
- Aviation
- Life
STANDOUT DISCOUNTS AVAILABLE
- Family discount
- Length of membership
- Military installation
- Good student
- New vehicle
Erie
Best for Steady Rates
WHY WE CHOSE IT
Why we chose it
Pros
- Erie Rate Lock
- High customer satisfaction score from J.D. Power
- Numerous perks offered in standard coverage
Cons
- Lack of digital tools
- Lower financial strength than some other carriers
- Higher-than-average overall NAIC complaint index
OTHER POLICIES OFFERED
- Motorcycle
- Recreational vehicle
- Homeowners
- Mobile home
- Flood
STANDOUT DISCOUNTS AVAILABLE
- Reduced usage
- Young drivers
- Annual payment plan
- Safe driving
- Car safety equipment
Geico
Best for Low Rates
WHY WE CHOSE IT
Why we chose it
Pros
- Lower-than-average premiums
- Numerous discounts
- Superior financial strength
Cons
- Few local agents available
- Fewer endorsements than other carriers
- Higher-than-average overall NAIC complaint index
OTHER POLICIES OFFERED
- Homeowners
- Renters
- Motorcycle/ATV
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Emergency deployment
- Membership & employee
- Military
- New vehicle
- Defensive driving
State Farm
Best for Customer Satisfaction
WHY WE CHOSE IT
Why we chose it
Pros
- Superior financial strength according to AM Best
- Local agents available
- High J.D. Power customer satisfaction
Cons
- Higher average rates than the other companies listed
- Fewer endorsements than competitors
- No annual policy option for auto coverage
OTHER POLICIES OFFERED
- Condo
- Farm and ranch
- Life
- Off-road vehicles
- Motorhome
STANDOUT DISCOUNTS AVAILABLE
- Drive Safe & Safe
- Steer Clear
- Driver improvement course
- Good student
- Student away at school
* Data for the comparison sections reflect Bankrate’s historical dataset; see Bankrate for updated statewide averages.
**J.D. Power’s 2021 U.S. Auto Insurance Satisfaction Study rating for the Mid-Atlantic region. Based on a 1,000-point scale. For the most recent national benchmark, see J.D. Power’s 2025 U.S. Auto Insurance Study.
The Average Cost of Car Insurance in Pennsylvania
Recent estimates from Bankrate’s average cost research and The Zebra indicate Pennsylvania drivers pay roughly $350–$600 per year for minimum coverage. For full coverage, the statewide average commonly falls around $1,900–$2,300 per year for a 40-year-old driver with a clean record. Compared with national full-coverage averages that currently sit in the low-$2,000s, Pennsylvania typically lands at or modestly below the U.S. average. Prices have climbed significantly since 2021 amid higher claim severity and inflation (BLS CPI).
Your car insurance rates can vary based on many factors. The state in which you live makes a big difference — drivers in some states pay much higher rates than others. This is often a result of the crime rate or the chances of extreme weather. Other factors, such as your driving record, age, vehicle, and credit score, may also play a role, depending on the state. Within Pennsylvania, premiums in the Philadelphia area commonly run well above the statewide average, while many rural ZIP codes trend lower (Bankrate; The Zebra).
Top 3 Cheapest Car Insurance Companies in Pennsylvania
| Company | Average Annual Full Coverage Premium* |
| Geico | $916 |
| Penn National | $971 |
| QBE | $1,042 |
* Historical sample rates based on a prior Bankrate dataset; current 2024–2025 full-coverage statewide averages commonly range around $1,900–$2,300. See Bankrate and The Zebra for updated estimates.
Top 3 Most Expensive Car Insurance Companies in Pennsylvania
| Company | Average Annual Full Coverage Premium* |
| AmTrust Financial | $3,268 |
| Motorists | $3,069 |
| American Independent | $2,157 |
* Historical sample rates based on a prior Bankrate dataset. Current prices vary by ZIP code, driver profile and insurer; consult recent studies from Bankrate and The Zebra.
Top 3 Cheapest Cities for Car Insurance in Pennsylvania
| City | Average Annual Full Coverage Premium* |
| Houserville | $1,126 |
| Pine Grove Mills | $1,126 |
| State College | $1,128 |
* Historical sample rates. City-level prices can shift as insurers refile rates; rural areas often remain below the statewide average, while large metros sit higher (The Zebra).
Top 3 Most Expensive Cities for Car Insurance in Pennsylvania
| City | Average Annual Full Coverage Premium* |
| Philadelphia | $2,787 |
| Lansdowne | $2,092 |
| Yeadon | $2,092 |
* Historical sample rates. Philadelphia-area premiums are often substantially higher than the statewide average due to urban density, claim severity and legal environment (Bankrate).
Key Things to Know About Car Insurance in Pennsylvania
Pennsylvania uses a “choice no-fault” system: policies include first-party medical benefits payable regardless of fault, and drivers elect either limited tort (generally restricts pain-and-suffering claims) or full tort (preserves those rights). This framework remains in place, and premiums have risen in recent years alongside national trends. Electronic proof of insurance is accepted. For details, see the Pennsylvania Insurance Department and PennDOT guidance on acceptable proofs.
Pennsylvania Car Insurance Requirements
Pennsylvania requires all drivers to carry at least minimum levels of liability insurance and personal injury protection coverage (First-Party Medical Benefits). You may instead meet liability requirements with a $35,000 combined single limit. Uninsured/underinsured motorist coverage is optional, and you must choose either limited tort or full tort. Failure to maintain coverage can result in fines and registration or license suspension.
Pennsylvania’s state minimum car insurance limits are:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $5,000 personal injury protection (PIP)
PIP is sometimes called “First-Party Benefits” or FSB in Pennsylvania. Given today’s medical costs, many households choose higher medical limits and may consider Extraordinary Medical Benefits for added protection. Most insurance experts also recommend higher liability limits. Additionally, financed or leased vehicles likely will need full coverage car insurance, which would include collision and comprehensive coverage.
Car Insurance Coverage Options
In addition to the required coverages and maybe full coverage, there are some endorsements you might want to consider for more protection:
- Vanishing deductibles: This optional coverage offered by a few carriers reduces your comprehensive and/or collision deductible each year that you don’t have a claim.
- Accident forgiveness: While your insurance rates typically increase after an accident, this coverage could help keep your rates from going up after your first covered accident.
- Rideshare coverage: Rideshare drivers may need additional coverage to ensure they’re properly protected financially. A few providers offer rideshare coverage, and Pennsylvania regulates Transportation Network Companies; review potential gaps during “app on” periods (PA PUC TNC overview).
- Roadside assistance: Most providers offer this optional coverage, which could cover the cost of emergency roadside services such as towing, flat tire change, and battery jump; confirm EV-compatible towing and, for ADAS-equipped vehicles, any calibration considerations after glass repair.
Frequently Asked Questions
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
For average pricing context, we reference current-rate studies from multiple reputable sources — including Bankrate (Quadrant data), The Zebra and NerdWallet — typically using a 40-year-old driver with a clean record. For full coverage, the details used are commonly the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Given rapid industry repricing through 2024–2025 (BLS CPI), averages move quickly and are refreshed periodically by these sources.
These are sample rates and should only be used for comparative purposes; your quotes will vary by insurer, location, driving history and selected coverages.
