As automotive insurance coverage prices proceed to extend, it’s a sensible transfer for drivers in Pennsylvania to check completely different coverage choices with the intention to discover the protection that’s most budget-friendly. Our opinions crew has researched the most effective automotive insurance coverage corporations nationwide. We rigorously examined every supplier’s status, how happy prospects have been, the choices for protection, and the typical premiums.
In this text, we are going to focus on efficient methods for lowering prices on insurance coverage and supply details about probably the most reasonably priced automotive insurance coverage choices in Pennsylvania that match your driving profile.
Key Points
- Travelers is the most affordable automotive insurance coverage firm in Pennsylvania general, with a mean price of $21 per thirty days for minimal protection and $78 per thirty days for full protection.
- Erie and State Farm additionally supply reasonably priced automotive insurance coverage charges for a lot of driver profiles.
- If somebody is underneath 25 or has dedicated visitors violations, their automotive insurance coverage charges will probably be greater than the typical.
- You can save on automotive insurance coverage by choosing minimal protection, searching for reductions, growing your deductible, and bundling your auto insurance coverage with different insurance policies.
Car insurance coverage corporations every have their very own means of driver profiles, so the supplier that’s least expensive for one driver might not be the most affordable for you. For occasion, here’s a fast overview of the least costly auto insurance coverage suppliers and the costs they provide for several types of drivers in Pennsylvania.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum protection | Travelers | $21 | $252 |
| Full protection | Travelers | $78 | $940 |
| 16-year-olds | Travelers | $56 | $668 |
| 45-year-olds | Travelers | $20 | $245 |
| High-risk drivers | Travelers | $27 | $321 |
| After a rushing ticket | Travelers | $25 | $297 |
| After an accident | Travelers | $27 | $327 |
| After a DUI | Travelers | $28 | $338 |
| Poor credit score drivers | USAA | $36 | $428 |
*Unless acknowledged in any other case, common prices are minimum-coverage charges for single male drivers between the ages of 25 and 35 with good credit score and a clear driving historical past.
What Is The Cheapest Car Insurance Company In Pennsylvania?
In basic, we found that Travelers offers probably the most reasonably priced automotive insurance coverage in Pennsylvania for many varieties of drivers. The following sections will cowl the typical month-to-month prices of each minimum- and full-coverage automotive insurance coverage from the most affordable corporations in Pennsylvania.
These charges apply to drivers in Pennsylvania with various ages, places, and driving histories. The least expensive corporations are organized by minimal protection prices.
Cheapest Minimum Coverage In Pennsylvania: Travelers
Drivers searching for probably the most reasonably priced protection that simply meets Pennsylvania state minimal necessities might discover it at Travelers for about $21 per thirty days or $252 per 12 months on common.
| Cheapest Car Insurance in Pennsylvania | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $21 | $252 |
| Erie | $26 | $308 |
| State Farm | $28 | $333 |
| Donegal | $32 | $386 |
| Nationwide | $34 | $402 |
| USAA | $36 | $428 |
| GEICO | $44 | $527 |
| Direct | $48 | $578 |
| Progressive | $60 | $724 |
| Allstate | $70 | $836 |
Cheapest Full Coverage In Pennsylvania: Travelers
If you need the most effective insurance coverage protection that gives detailed safety at an incredible worth, Travelers is the primary selection. The supplier gives full-coverage insurance coverage for a mean of $78 per thirty days.
Full-coverage insurance coverage insurance policies in Pennsylvania typically embody legal responsibility insurance coverage, uninsured/underinsured motorist protection, collision protection, and complete insurance coverage.
| Cheapest Car Insurance in Pennsylvania | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $78 | $940 |
| Nationwide | $105 | $1,255 |
| Erie | $138 | $1,652 |
| State Farm | $138 | $1,661 |
| USAA | $189 | $2,265 |
| Progressive | $205 | $2,459 |
| Donegal | $209 | $2,509 |
| GEICO | $211 | $2,537 |
| Allstate | $234 | $2,803 |
| Direct | $298 | $3,570 |
Cheapest Car Insurance In Pennsylvania: Age
Below, you’ll discover common insurance coverage prices for Pennsylvania drivers ages 16 to 55 in addition to the highest 5 budget-friendly automotive insurance coverage corporations for every age group. Typically, folks aged 30 to 55 are inclined to obtain probably the most reasonably priced automotive insurance coverage charges. This is as a result of they’ve extra highway expertise and are much less more likely to be concerned in automotive accidents in comparison with younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $154 | $537 |
| 25 | $43 | $196 |
| 35 | $36 | $165 |
| 45 | $35 | $155 |
| 55 | $34 | $144 |
Cheapest Pennsylvania Car Insurance: Young Drivers
As talked about, new drivers and early 20s sometimes pay the costliest automotive insurance coverage charges. This is principally as a result of these drivers don’t have as a lot expertise driving and usually tend to break visitors guidelines and get into automotive accidents.
In reality, the deadly crash price per mile pushed for teen drivers was almost 3 times the speed for drivers 20 years old and older in 2021, in accordance with the Insurance Institute for Highway Safety.
Cheapest Pennsylvania Car Insurance For 16-Year-Olds: Travelers
If you’re a teen driver or the mother or father of 1, Travelers could also be your greatest guess for locating probably the most reasonably priced automotive insurance coverage in Pennsylvania.
The firm’s least expensive common charges for 16-year-old drivers are $56 per thirty days or $668 per 12 months, which is comparatively reasonably priced in comparison with different states. If you’re searching for full protection, the typical is $189 per thirty days or $2,265 per 12 months from Travelers.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $56 | $189 |
| Erie | $77 | $407 |
| Donegal | $96 | $615 |
| State Farm | $104 | $477 |
| GEICO | $124 | $481 |
| Nationwide | $132 | $357 |
| Direct | $137 | $576 |
| USAA | $161 | $778 |
| Progressive | $202 | $726 |
| Allstate | $452 | $762 |
Cheapest Pennsylvania Car Insurance For 25-Year-Olds: Travelers
Young drivers of their 20s typically pay a lot much less for automotive insurance coverage in comparison with youngsters. However, the charges can nonetheless be fairly excessive relying on which insurance coverage firm you go along with.
Travelers offers the most affordable automotive insurance coverage prices on common at $21 per thirty days or $254 per 12 months for minimal protection. Travelers prices $81 per thirty days or $973 per 12 months for full protection.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $21 | $81 |
| Erie | $28 | $150 |
| State Farm | $30 | $147 |
| Donegal | $36 | $232 |
| Nationwide | $36 | $111 |
| USAA | $39 | $213 |
| GEICO | $47 | $226 |
| Direct | $54 | $328 |
| Progressive | $64 | $220 |
| Allstate | $76 | $248 |
Cheapest Pennsylvania Car Insurance: Adult Drivers
People who’re of their 40s normally have the most affordable auto insurance coverage charges. You can evaluate common auto insurance coverage premiums of drivers of their 30s, 40s, and 50s from the highest 5 least expensive corporations for every age group under.
Cheapest Pennsylvania Car Insurance For 35-Year-Olds: Travelers
Drivers of their mid-30s might insure their automobiles on the least expensive cost by getting a minimal protection automotive insurance coverage coverage from Travelers. The firm gives common minimum-coverage prices of $21 per thirty days or $249 per 12 months. For full protection, Travelers’s charges common $76 month-to-month or $907 yearly.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $21 | $76 |
| Erie | $23 | $125 |
| State Farm | $26 | $129 |
| Donegal | $29 | $186 |
| Nationwide | $31 | $98 |
| USAA | $32 | $165 |
| GEICO | $41 | $197 |
| Direct | $42 | $267 |
| Progressive | $57 | $189 |
| Allstate | $63 | $219 |
Cheapest Pennsylvania Car Insurance For 45-Year-Olds: Travelers
Forty-five-year-old drivers might discover probably the most reasonably priced minimal protection from Travelers, with common charges of $20 per thirty days or $245 per 12 months. The least expensive full protection comes from Travelers at $71 per thirty days or $849 per 12 months.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $20 | $71 |
| Erie | $21 | $114 |
| State Farm | $25 | $126 |
| Donegal | $29 | $186 |
| Nationwide | $29 | $91 |
| USAA | $31 | $153 |
| Direct | $40 | $234 |
| GEICO | $41 | $191 |
| Progressive | $56 | $178 |
| Allstate | $61 | $210 |
Cheapest Pennsylvania Car Insurance For 55-Year-Olds: Travelers
People who’re of their 50s normally have the chance to get probably the most reasonably priced automotive insurance coverage charges in Pennsylvania from Travelers. The insurer’s common premiums are $19 month-to-month or $233 yearly for minimal protection. The least expensive full protection possibility is from Travelers, costing $71 month-to-month or $849 yearly
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $19 | $65 |
| Erie | $20 | $110 |
| State Farm | $24 | $118 |
| Donegal | $27 | $173 |
| Nationwide | $27 | $83 |
| USAA | $30 | $145 |
| Direct | $39 | $213 |
| GEICO | $41 | $182 |
| Progressive | $54 | $159 |
| Allstate | $58 | $193 |
Cheapest Car Insurance In Pennsylvania: High-Risk Drivers
Besides the sort of protection and the way old you might be, how safely you drive has a huge impact on how a lot automotive insurance coverage prices you. Auto insurers sometimes decide should you’re a high-risk driver by what number of infractions are in your driving file, together with fines for rushing, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who pose the next danger need to pay extra for automotive insurance coverage due to their many violations. On common, Pennsylvania motorists who’re deemed high-risk might discover probably the most reasonably priced charges from Travelers for minimal protection or Travelers for full protection.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $27 | $105 |
| State Farm | $31 | $151 |
| Erie | $38 | $182 |
| USAA | $46 | $243 |
| Donegal | $52 | $338 |
| Direct | $62 | $385 |
| Nationwide | $63 | $194 |
| Progressive | $70 | $250 |
| GEICO | $75 | $315 |
| Allstate | $79 | $267 |
Cheapest Pennsylvania Car Insurance For Drivers With A Speeding Ticket: Travelers
Drivers with a rushing quotation on their file can typically discover probably the most reasonably priced protection from Travelers, with common charges of $25 per thirty days or $297 per 12 months for minimal protection and $98 per thirty days or $1,177 per 12 months for full protection.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $25 | $98 |
| Erie | $29 | $152 |
| State Farm | $30 | $147 |
| Donegal | $32 | $209 |
| USAA | $40 | $211 |
| Nationwide | $49 | $151 |
| Direct | $56 | $353 |
| Progressive | $60 | $205 |
| GEICO | $69 | $299 |
| Allstate | $70 | $234 |
Cheapest Pennsylvania Car Insurance For Drivers With An At-Fault Accident: Travelers
Getting right into a automotive accident in Pennsylvania could make your automotive insurance coverage charges go up. Travelers tends to supply probably the most reasonably priced charges on common at about $27 per thirty days or $327 per 12 months for minimal protection and $104 per thirty days or $104 per 12 months for full protection.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $27 | $104 |
| State Farm | $33 | $158 |
| Erie | $38 | $182 |
| Donegal | $49 | $317 |
| USAA | $51 | $264 |
| Nationwide | $55 | $170 |
| Direct | $65 | $401 |
| GEICO | $76 | $316 |
| Progressive | $81 | $298 |
| Allstate | $97 | $335 |
Cheapest Pennsylvania Car Insurance For Drivers With A DUI: Travelers
If you’re a motorist with a drunk driving conviction, you could discover the most affordable minimal automotive insurance coverage in Pennsylvania from Travelers for $28 per thirty days or $338 per 12 months on common. They even have charges of $112 month-to-month or $1,342 yearly for full protection.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $28 | $112 |
| State Farm | $30 | $147 |
| Erie | $47 | $212 |
| USAA | $48 | $254 |
| Direct | $65 | $401 |
| Progressive | $69 | $249 |
| Allstate | $70 | $234 |
| Donegal | $76 | $487 |
| GEICO | $79 | $330 |
| Nationwide | $85 | $260 |
Cheapest Pennsylvania Car Insurance For Drivers With Poor Credit: USAA
People who’ve low credit score need to pay extra money for his or her automotive insurance coverage. Those who don’t have the most effective credit score historical past might need to take a look at USAA, which has a mean minimum-coverage price of $36 per thirty days or $428 per 12 months and a mean full-coverage price of $189 per thirty days or $2,265 per 12 months.
| Cheapest Car Insurance in Pennsylvania | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $36 | $189 |
| Donegal | $40 | $258 |
| Nationwide | $44 | $140 |
| Travelers | $53 | $210 |
| Direct | $58 | $379 |
| Erie | $58 | $322 |
| State Farm | $63 | $306 |
| GEICO | $71 | $379 |
| Progressive | $91 | $349 |
| Allstate | $120 | $381 |
Average Cost Of Car Insurance In 10 Pennsylvania Cities
Where you reside in Pennsylvania is one other side that influences the quantity you pay for auto insurance coverage. Auto insurance coverage corporations take into account drivers riskier to cowl in areas with:
- Larger populations
- There are a better variety of automobiles utilizing the highway.
- More automotive accidents taking place incessantly
- More frequent prevalence of visitors violations
- More incidents of automotive theft and auto vandalism
- Extreme climate situations
Certain components that improve the chance of dangers have a better affect on individuals who personal automobiles in large cities. This is why drivers in bustling cities pay the very best common cost for the least quantity of protection in automotive insurance coverage. On the opposite hand, drivers in rural areas with fewer incidents of crime and a smaller inhabitants are inclined to get pleasure from decrease charges.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Philadelphia | $81.92 | $350.66 |
| Pittsburgh | $43.52 | $179.24 |
| Lancaster | $41.88 | $158.01 |
| Allentown | $46.90 | $186.63 |
| Erie | $43.39 | $172.23 |
| Reading | $44.12 | $186.53 |
| Bensalem | $60.79 | $225.23 |
| Norristown | $53.68 | $201.23 |
| Scranton | $43.56 | $180.82 |
| Easton | $42.19 | $167.29 |
Top 5 Car Insurance Companies In Pennsylvania
We checked out greater than 40 insurance coverage corporations in Pennsylvania and thought of their protection, service, and reliability, together with the cost. As a end result, we discovered the 5 greatest insurers for Pennsylvania residents. Based on our analysis, we discovered Travelers to be the most effective supplier for many drivers in Pennsylvania. Here are the scores we have now given to our high suggestions.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 Erie | 4.5 | 4.3 | 5 | 4.5 | 4.5 |
| #4 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #5 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
*The general and class scores above are based mostly on nationwide components.
How To Get The Cheapest Car Insurance In Pennsylvania
In Pennsylvania, you’ve got just a few choices to cut back the quantity you pay for automotive insurance coverage. These embody:
- Opting for minimal protection: If you solely get the minimal protection your state requires, you should have the least costly automotive insurance coverage.
- Seeking out reductions: Most insurance coverage corporations have a number of reductions that may assist minimize down on premium prices, from army and good pupil reductions to reductions for drivers that stay accident free for 5 years.
- Raising your deductible: A better deductible will decrease your premium prices, however you’ll need to pay extra out of pocket should you file a declare.
- Bundling your auto insurance coverage: You can typically bundle your auto insurance coverage with a owners insurance coverage coverage or different kind of protection to earn a reduction.
- Comparing quotes: Getting worth estimates from a number of corporations may help you determine which supplier provides you with the most effective supply.
Many insurance coverage corporations supply usage-based insurance coverage packages as a approach to save money. These packages use telematics to observe your driving habits–out of your pace and braking to the time of day you drive. If you drive rigorously, you would possibly obtain a big low cost. However, sure packages might improve your charges should you interact in unsafe driving habits.
Some corporations additionally supply diminishing deductibles and accident forgiveness. A diminishing deductible possibility decreases your deductible quantity every time you renew your coverage. Accident forgiveness ensures that your charges gained’t improve after your first accident with the corporate.
What Does Pennsylvania Require For Car Insurance?
Drivers in Pennsylvania should meet minimal insurance coverage necessities as outlined by state legislation, which embody basic legal responsibility insurance coverage and uninsured/underinsured motorist (UM/UIM) protection:
-
$30,000 bodily harm legal responsibility per accident
-
$15,000 bodily harm legal responsibility per person
-
$5,000 property harm legal responsibility per accident
-
$5,000 medical advantages additionally required
Liability protection solely takes care of different events’ accidents and property damages in an accident that you simply trigger. UM/UIM covers your accidents and property damages, however solely within the case that the at-fault driver has little to no auto insurance coverage.
Getting complete insurance coverage will be certain that your automotive is roofed if stolen, vandalized, or broken by floods, fireplace, animals, or different pure disasters. Collision insurance coverage covers your automotive repairs after an accident.
Our Take: Best Cheap Car Insurance In Pennsylvania
When it involves each minimal and full protection, Travelers is the most effective and least expensive auto insurance coverage firm for many drivers in Pennsylvania. While the above prices can provide you an thought of what you’d pay for automotive insurance coverage in Pennsylvania, requesting a personalized quote will assist offer you a extra correct image of what you’ll pay.
Many corporations supply fast and no-cost instruments on-line that permit you to get worth estimates simply. Alternatively, you may as well contact an insurance coverage agent or consultant instantly on the firm. Once you’ve got collected quotes from three or extra automotive insurance coverage suppliers, evaluate them to seek out the most suitable choice for you.
Best Cheap Car Insurance In Pennsylvania: FAQ
Here are some incessantly requested questions on automotive insurance coverage in Pennsylvania:
How We Rate Insurers
Our evaluate course of goals to ship constant and unbiased assessments of automotive insurance coverage suppliers. While there are a number of qualities that make a automotive insurance coverage firm profitable, our evaluate crew focuses on these we consider are a very powerful for shoppers:
- Cost: Cost may be troublesome to check between insurers as a result of so many components affect annual premiums. The least expensive insurer for one driver might not be the most affordable for one more. To decide our cost rating, we have a look at insurance coverage price estimates generated by Quadrant Information Services, low cost alternatives, and shopper reviews.
- Coverage: To decide our protection rating, we have a look at the variety of protection choices available in addition to protection limits and deductible choices. Our scores additionally have in mind extra providers and advantages like roadside help.
- Reliability: It’s necessary that an auto insurer is ready to meet its claims obligations. Companies with a robust monetary energy score from AM Best rating greatest on this class. Established insurers with a protracted historical past of dependable service additionally obtain optimistic marks.
- Service: We comb by way of buyer opinions on websites just like the Better Business Bureau (BBB) to find out about buyer experiences. Insurers with a low quantity of complaints rating effectively on this space. We additionally take into account the claims course of, giving greater scores to automotive insurance coverage suppliers that provide easy-to-use claims apps.
*Data correct at time of publication.
