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The Best Pennsylvania Car Insurance Companies

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    When looking for the best car insurance in Pennsylvania, we considered more than a dozen different carriers. We analyzed factors such as each company’s premiums, customer satisfaction, coverage options, discounts, financial strength and more. Drivers in the state have plenty of good options available to them, and the best car insurance companies in Pennsylvania offer exceptional service at an affordable price.

    The 4 Best Auto Insurance Companies in Pennsylvania

    • USAA: Best for military families
    • Erie: Best for drivers with claims on their record
    • Geico: Best for low prices
    • State Farm: Best for customer satisfaction

    Compare the Best Car Insurance Companies in Pennsylvania

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score AM Best Financial Strength 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 Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin USAA$540.15$2,064.314.8/5A++890/1,000
    Pin Erie$608.56$2,022.593.8/5A+850/1,000
    Pin Geico$349.52$1,291.814.4/5A++841/1,000
    Pin State Farm$681.22$2,236.234.8/5A++855/1,000

    Information accurate as of 11/17/2020

    * Data provided by Coverage.com

    USAA

    USAA

    Best for military families

    Why we chose it

    USAA provides military families with top-rated car insurance with excellent customer satisfaction at affordable rates.
    • 4.8/5 Reviews Score
    • $540.15* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 890** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA provides military families with top-rated car insurance with excellent customer satisfaction at affordable rates.

    Pros

    • Unique benefits for active members of the military
    • Excellent customer satisfaction

    Cons

    • Only available to military families
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Personal injury protection
    • Extended benefits
    • Uninsured & underinsured motorist
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness

    Discounts Available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Full pay

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Further Reading on USAA:

    Erie

    ERIE Insurance

    Best for drivers with a claims record

    Why we chose it

    Erie offers Rate Lock, which prevents premiums from increasing after a claim.
    • 3.8/5 Reviews Score
    • $608.56* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 850** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie offers Rate Lock, which prevents premiums from increasing after a claim.

    Pros

    • Erie Rate Lock
    • High customer satisfaction
    • Broad standard coverage

    Cons

    • Lack of digital tools
    Read More

    Types of Coverage Offered

    • Collision
    • Liability
    • Comprehensive
    • Transportation expense/rental car coverage
    • Roadside assistance
    • New car protection
    • Better car protection
    • Rideshare

    Discounts Available

    • Erie Rate Lock
    • Multi-policy
    • First accident forgiveness
    • Diminishing deductible
    • Vehicle storage
    • Safety savings
    • Payment perks
    • Youthful driver discount
    • College credit

    Further Reading on Erie:

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Geico

    Geico

    Best for low prices

    Why we chose it

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.
    • 4.4/5 Reviews Score
    • $349.52* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 841** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.

    Pros

    • Low annual premiums
    • Above-average customer satisfaction
    • Many discounts

    Cons

    • Few local agents available
    • No gap coverage
    Read More

    Types of Coverage Offered

    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Roadside assistance
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle equipment features
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Further Reading on Geico:

    State Farm

    State Farm

    Best for customer satisfaction

    Why we chose it

    State Farm is the leading car insurance provider for Pennsylvania and offers the best customer satisfaction in the region.
    • 4.8/5 Reviews Score
    • $681.22* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 855** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm is the leading car insurance provider for Pennsylvania and offers the best customer satisfaction in the region.

    Pros

    • Best customer satisfaction
    • Unique coverage options including rideshare

    Cons

    • Fewer discounts than other competitors
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Rental and travel expense
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Rideshare driver

    Discounts Available

    • Drivewise
    • Steer Clear
    • Accident-free
    • Defensive driving
    • Student discounts
    • Driver training
    • Good driving
    • Vehicle safety features
    • Multi-car
    • Multiple-policy

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    The Average Cost of Car Insurance in Pennsylvania

    Pennsylvania drivers enjoy relatively low rates for car insurance. The state’s minimum liability coverage costs about $374. For full coverage, you may pay up around $1,372.

    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, also play a role.

    Top 3 Cheapest Car Insurance Companies in  Pennsylvania

    CompanyAverage Annual Premium
    Geico $349.52
    Atlantic States Insurance$461.35
    Pennsylvania National$475.49

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Pennsylvania

    CompanyAverage Annual Premium
    Esurance $1,137.48
    Allstate$811.84
    Progressive $775.89

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Pennsylvania

    CityAverage Annual Premium*
    Lock Haven$426.92
    Bellefonte$432.57
    Jersey Shore$432.97

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Pennsylvania

    CityAverage Annual Premium*
    Philadelphia $1,120.29
    Yeadon$1,009.07
    Darby$993.27

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will Further Protect You 

    • Vanishing deductibles: This optional coverage offered by a few carriers reduces your deductible each year that you don’t have a claim.
    • Accident forgiveness: While your insurance rates typically increase after an accident, this coverage will ensure your rates don’t increase after your first accident.
    • Rideshare coverage: Rideshare drivers may need additional coverage to ensure they’re fully protected. A few providers offer rideshare coverage.
    • Roadside assistance: Most providers offer this optional coverage, which will cover the cost of emergency roadside services such as towing, flat tire change, and battery jump.

    Guide to Pennsylvania Car Insurance 

    The insurance laws vary from state to state, and drivers should always familiarize themselves with the laws in their state. Pennsylvania’s unique insurance laws include its minimum liability requirements and its no-fault insurance law.

    Pennsylvania Minimum Insurance Requirements

    Pennsylvania requires all drivers to carry minimum liability insurance. Failure to do so can result in a fine, license suspension, or vehicle registration suspension.

    Minimum liability required in the state of Pennsylvania is divided as follows:

    • $15,000 for injury or death for one person
    • $30,000 for injury or death for more than one person
    • $5,000 for property damage

    Pennsylvania’s No-Fault Law

    Pennsylvania is a no-fault insurance state, which means that in the event of a car accident, each person (or more often, each person’s insurance) is responsible for covering their medical expenses. The at-fault driver isn’t responsible for covering the medical expenses of all parties. Due to this law, Pennsylvania requires drivers in the state to carry personal injury protection, which helps to supplement traditional health insurance after a car accident.

    Pennsylvania Car Insurance FAQ 

    What is the minimum car insurance required in Pennsylvania?

    Pennsylvania drivers are required to carry both bodily injury and property damage liability insurance. They also must have personal injury protection due to the state’s no-fault law.

    What is the average auto insurance cost in Pennsylvania?

    A car insurance policy in Pennsylvania costs an average of $552 for minimum liability and $1,119 for full coverage.

    What is the cheapest car insurance company in Pennsylvania?

    The cheapest car insurance company is Geico. The average premium for a minimum liability policy is $350, almost $200 below the national average. Geico’s full coverage policy in Pennsylvania costs an average of $1,292, compared to a national average of $1,555.

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Pennsylvania, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Pennsylvania, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.