Car Insurance Quotes in Pennsylvania

  • Shopping for car insurance quotes in Pennsylvania can feel like a maze. From figuring out state minimums to comparing deductibles and looking for discounts, it's easy to get lost.
  • That's where we come in. We make it simple. In about two minutes, you can compare personalized quotes from over 150 top-rated insurance companies, all in one place. Our goal is to give you the confidence to pick the perfect coverage at a price you'll love
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Auto-Owners

$12/mo

Westfield

$19/mo

Auto-Owners Insurance Co

$25/mo

Sara Sam
Written by Sara Sam
Edited by Renee Martin

Why Thousands of Pennsylvania Drivers Trust Way.com

The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.

Table of Contents

How Much Does Car Insurance Cost in Pennsylvania

The car owners in Pennsylvania pays on an average of $738 for six months for car insurance, which is the national average. Auto-Owners offers cheap and the best rates in Pennsylvania.

Cheapest Liability Car Insurance in Pennsylvania ()

For drivers looking to meet Pennsylvania minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Pennsylvania is widely available from providers like Auto-Owners at $12/month. If you opt for you will have to pay at least $/month for your car insurance premium, which is the highest in Pennsylvania.

Cheapest Liability Coverage in PA

Are minimum liability insurance limits enough for Pennsylvania?

Minimum liability insurance provides basic coverage but often falls short in covering major accidents, leaving drivers vulnerable. Upgrading to full coverage car insurance in Pennsylvania or increasing coverage limits can offer better financial protection. Compare car insurance quotes in Pennsylvania to find affordable options that suit your needs.

Sarah Sam
Insurance writer and senior content specialist

Cheap Full Coverage Car Insurance in Pennsylvania

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Auto-Owners Insurance Co offers the cheapest car insurance for full coverage in Pennsylvania at $63 per month. On the other hand offers the most expensive rate at $ per month.

Full coverage quotes in PA

Way Tip

How to get your cheap full coverage insurance?

  • Combine your car insurance with home or renters insurance for exclusive savings.
  • Low-mileage drivers can score better rates by opting for pay-per-mile plans.
  • Stick with one car insurance company for annual renewal discounts and exclusive member perks.

Avoid Hidden Costs on Your Pennsylvania Car Insurance Bill

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Best Car Insurance Companies in Pennsylvania: Compared & Ranked

Auto-Owners Insurance Co stands out as the best car insurance provider in Pennsylvania, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Travelers is a top pick for drivers seeking value and reliability.

Auto-Owners Insurance Co

Auto-Owners Insurance Co offers a six-month premium of $261, which amounts to approximately $44 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance. 

Travelers

The average premium of Travelers is $333, which is higher than Auto-Owners Insurance Co's by $. Their higher monthly premium is, due to their strict policies on traffic violations.

Erie

Erie's premium is $339, which is significantly more expensive than Travelers's by $. Their monthly premium is higher due to their strict policies on DUI infractions.

Best Car Insurance Companies in PA

Our Review Process

How Way Uncovers the Best Car Insurance Deals?

  • The car insurance rates in this guide are based on extensive research by Way’s data team.
  • The average car insurance costs of each company in Pennsylvania.
  • A mix of public and internal data was used to analyze millions of rate averages across U.S. ZIP codes.
  • Quotes in this guide are typically based on a full coverage policy unless noted otherwise.
  • The author has expertise from 5+ years in the insurance industry

Cheap Car Insurance for Teen & Young Drivers in PA

Teens and young drivers in Pennsylvania often face high car insurance rates, especially those aged 16 to 19. This is because inexperienced drivers pose a higher risk. The average cost for teens in Pennsylvania is $1507 for 6 months, which is the national average.

Westfield is the best options for cheap car insurance for young drivers in Pennsylvania.

Best Car Insurance Discounts for Young Drivers in Pennsylvania

Teen Car Insurance Rates in PA by Age
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Top companies in PA for Teens

Company Name Avg. 6 Mo. Premium Avg. Monthly Premium
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Way Tip

What Teen Drivers can do to Drive Smarter

  • Install company-approved safety devices and enjoy lower premiums.
  • Monitor your driving habits with trackers for potential discounts.
  • Opt for temporary coverage adjustments during school breaks.

Smart drivers in Pennsylvania save big on car insurance!

Pennsylvania Car Insurance Price Trends & Rate Forecasts

Car insurance rates in Pennsylvania have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Pennsylvania by $ in compared to $ of . In other words, there has been an by $ when you compare and .

The average full coverage insurance cost in the Pennsylvania remained steady at $ in both and , indicating no change over the two-month period.

The average cost of liability insurance in the Pennsylvania to $ in , compared to $ in . This represents an of $ when comparing and .

The average liability insurance cost in the Pennsylvania remained steady at $ in both and , indicating no change over the two-month period.


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Car Insurance Quotes in Pennsylvania After an At-Fault Accident

Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Auto-Owners gives you the cheapest car insurance rate after an at-fault accident in Pennsylvania at $12/month. On the other hand is the most expensive option at $/month for an at-fault accident.

Best insurance companies in PA after an accident

Why Way.com Recommends Auto-Owners Insurance Co Insurance in Pennsylvania?

If you are living in Pennsylvania you should opt for Auto-Owners Insurance Co. Auto-Owners Insurance Co ranks as number 1 across various factors like customer satisfaction, claims and rates.

How Traffic Violations Affect Car Insurance Rates in Pennsylvania

In Pennsylvania, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Pennsylvania may differ from the national average due to regional risks and rules.

Here’s a breakdown of average car insurance rates in Pennsylvania after common driving violations.

How Driving Violations Affect Car Insurance Quotes in Pennsylvania

Way Tip

How to Reset Rates after a Driving Violation

  • Switch to pay-per-mile or telematics-based policies to reduce premiums while demonstrating safer driving habits.
  • Find insurers that lower rates for completing state-approved driving courses.
  • Find providers that offer accident forgiveness, sparing your wallet after one-off violations.

Affordable Car Insurance in Pennsylvania After a DUI or SR-22

Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Pennsylvania is American National P&C at $55 per month. at $ per month is the most expensive provider.

DUI Car Insurance Quotes in Pennsylvania: What to Expect

SR-22 Car Insurance in Pennsylvania: How to File & Save

An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.

Steps to Get an SR-22 in Pennsylvania?

If You're Insured:

Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.

If You're Uninsured:

You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.

If You Don't Own a Car:

A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.

Stop overpaying for Car Insurance. Saving $971 isn’t pocket change

Car Insurance Rates by City in Pennsylvania ( Update)

Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.

Car insurance quotes in Pennsylvania's biggest cities

Frequently Asked Questions

Who has the cheapest car insurance in Pennsylvania? Down icon
Getting the cheapest car insurance in Pennsylvania depends on several factors and can vary based on each applicant’s profile. For instance, Auto-Owners Insurance Co offers the cheapest car insurance rates in Pennsylvania at $368 for six months. Car insurance rates varies based on various factors like age, driving history, credit score, and age.
How much is car insurance in Pennsylvania? Down icon
In Pennsylvania, the average cost of car insurance is $220 for liability coverage and $738 for full coverage. These rates are than the national average of $312 for liability coverage and the national average of $1128 for full coverage.
How much does car insurance cost per month in Pennsylvania? Down icon
The cheapest monthly car insurance rate in Pennsylvania is $63 for full coverage and $135 for liability coverage. However, younger drivers will have to pay higher rates than older drivers. The cheapest rate for teens in Pennsylvania is $25 for a month. The state and the respective zip codes play a key role in the car insurance rates.
Why is car insurance so expensive in Pennsylvania? Down icon
Car insurance in Pennsylvania is expensive due to factors like high traffic congestion, expensive repair costs, and frequent weather-related accidents like floods and hailstorms.
What is the minimum insurance you need to drive a car in Pennsylvania? Down icon
In Pennsylvania, the minimum required car insurance includes $25,000 for injury or death of one person, $50,000 for multiple people, and $10,000 for property damage.

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Major Cities in Pennsylvania

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