$24/mo
$25/mo
$30/mo
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.
The car owners in Pennsylvania pays on an average of $779 for six months for car insurance, which is less than the national average. Westfield offers cheap and the best rates in Pennsylvania.
Westfield offers the cheapest liability coverage in Pennsylvania at $24/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Pennsylvania ↓
Auto-Owners Insurance Co provides cheap full insurance coverage in Pennsylvania at $61/month, offering excellent value.
Read about the cheapest full coverage companies in Pennsylvania ↓
Westfield is the cheapest option after an at-fault accident in Pennsylvania at $35 per month.
Read more about best car insurance companies after at-fault accident in Pennsylvania ↓
Auto-Owners Insurance Co was named the best overall by J.D. Power and AM Best, making it a top pick among Pennsylvania’s best car insurers.
Check out the full list of the best car insurance companies 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 Westfield at $24/month. If you opt for Auto-Owners you will have to pay at least $13/month for your car insurance premium, which is the highest in Pennsylvania.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $143 | $24 |
| Auto-Owners Insurance Co | $149 | $25 |
| Travelers | $178 | $30 |
| Erie | $190 | $32 |
| American National P&C | $196 | $33 |
| Chubb | $208 | $35 |
| State Farm | $249 | $42 |
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 $61 per month. On the other hand Encompass offers the most expensive rate at $162 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $368 | $61 |
| American National P&C | $511 | $87 |
| Travelers | $552 | $93 |
| Westfield | $612 | $104 |
| Erie | $760 | $128 |
| State Farm | $838 | $141 |
| Nationwide | $885 | $149 |
Get Your Car Insurance Quote in Pennsylvania Instantly!
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 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.
The average premium of Travelers is $333, which is higher than Auto-Owners Insurance Co's by $72. Their higher monthly premium is, due to their strict policies on traffic violations.
Erie's premium is $339, which is significantly more expensive than Travelers's by $6. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $261 | $44 |
| Travelers | $333 | $56 |
| Erie | $339 | $58 |
| American National P&C | $356 | $59 |
| Westfield | $362 | $62 |
| Chubb | $422 | $70 |
| Nationwide | $469 | $79 |
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
$1371 for 6 months, which is less than the national average.
Westfield is the best options for cheap
car insurance for young drivers in Pennsylvania.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $149 | $25 |
| Auto-Owners Insurance Co | $172 | $29 |
| American National P&C | $226 | $38 |
| Chubb | $249 | $42 |
| Travelers | $713 | $120 |
| Erie | $873 | $147 |
| State Farm | $1194 | $201 |
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 rose by $169 in Dec compared to $167 of Nov. In other words, there has been an increase by $2 when you compare Dec and Nov.
The average cost of liability insurance in the Pennsylvania rose to $38 in Dec, compared to $37 in Nov. This represents an increase of $1 when comparing Dec and Nov.
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 Westfield gives you the cheapest car insurance rate after an at-fault accident in Pennsylvania at $35/month. On the other hand Donegal is the most expensive option at $39/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $208 | $35 |
| Auto-Owners Insurance Co | $238 | $40 |
| Chubb | $279 | $47 |
| American National P&C | $285 | $48 |
| Erie | $410 | $69 |
| Travelers | $428 | $72 |
| State Farm | $440 | $74 |
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.
In Pennsylvania, your Auto 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.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1099 | $183 |
| Cell phone violation | $1283 | $218 |
| Failure to wear a seat belt | $1283 | $214 |
| Failure to stop at a red light | $1295 | $220 |
| Illegal turn | $1295 | $216 |
| Improper passing | $1295 | $220 |
| Speeding in school zone | $1295 | $216 |
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 $53 per month. Nationwide at $419 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $321 | $53 |
| Travelers | $505 | $85 |
| Erie | $748 | $126 |
| Allstate | $956 | $161 |
| Progressive | $1010 | $170 |
| State Farm | $1016 | $171 |
| USAA | $1063 | $179 |
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.
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.
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.
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.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Houserville | $796 | $135 |
| Pine Grove Mills | $796 | $133 |
| Park Forest Village | $802 | $136 |
| State College | $802 | $134 |
| Boiling Springs | $808 | $137 |
| Burnham | $808 | $135 |
| Lemont | $808 | $137 |
| Mount Holly Springs | $808 | $135 |
| Schlusser | $808 | $137 |
| Toftrees | $808 | $135 |
| University Park | $808 | $137 |
| Castanea | $814 | $136 |
