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The Cheapest Pennsylvania Car Insurance Rates Are $76 Per Month for Travelers’ Full Coverage Insurance and $21 Per Month for Liability Coverage From Travelers.
Discover if you are overpaying for car insurance below.
With our comparison partner, 
We at the MarketWatch Guides team looked at the best car insurance and cheapest car insurance companies in Pennsylvania to see which offer the best prices on quality coverage. You’ll find our top five recommended providers for Pennsylvania auto insurance below, as well as information about the state’s insurance laws. We recommend comparing car insurance quotes from multiple providers so you find the best rates and coverage.
With our comparison partner,
Learn more about our methodology and editorial guidelines.
Travelers Insurance offers the cheapest car insurance rates in Pennsylvania. You can expect to pay $249 per year for minimum liability policies and $907 for full-coverage plans.
Car insurance costs vary depending on multiple factors, so the cheapest rates for you depend on your unique situation. Below, we’ve broken down the lowest rates for each type of coverage.
| Cheapest Car Insurance in Pennsylvania (by category) | Company | Average Monthly Premium |
| Minimum liability coverage | Travelers | $21 |
| Full coverage | Travelers | $76 |
| *Young drivers | Travelers | $189*** |
| **Seniors | Nationwide | $94 |
| *After a speeding ticket | Travelers | $94 |
| *After an accident | Travelers | $100 |
| *After a DUI | Travelers | $108 |
| *Bad credit | Nationwide | $132 |
According to our research, the five cheapest auto insurance companies in Pennsylvania are:
In the following sections, we break down the cheapest large- and medium-sized insurance companies in Pennsylvania.
According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto. Among large insurance companies, Travelers, Nationwide, State Farm, Geico and Progressive are the cheapest in Pennsylvania. These providers offer the lowest rates in the state.
We reached out to Progressive about its cost rating but haven’t received a response.
J.D. Power defines midsize insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto. According to our research, the cheapest midsize auto insurance companies in Pennsylvania are Erie, Donegal and Safe Auto. You can compare their average premiums and our cost ratings below.
Read more: Largest Auto Insurance Providers
Car insurance coverage in Pennsylvania is on par with the national average. Our research shows a full coverage car insurance policy in Pennsylvania costs $1,981 per year or $165 per month, which is roughly 1% cheaper than the national average of $2,008 per year. However, minimum coverage rates in Pennsylvania average $437 per year or $36 per month, making it 30% cheaper than the national average of $627.
Unless otherwise specified, our rates are based on the profile of an unmarried 35-year-old with good credit and a clean driving history driving a 2022 Toyota Camry.
Travelers typically offer the cheapest minimum liability coverage in Pennsylvania, costing an average of $249 per year or $21 per month.
| Company | Average Monthly Premium | Average Annual Premium |
| Travelers | $21 | $249 |
| Erie Insurance | $23 | $279 |
| State Farm | $26 | $307 |
| Donegal Insurance | $29 | $343 |
| Nationwide | $31 | $372 |
Read more: Cheapest Full-Coverage Auto Insurance
Travelers offer Pennsylvania’s cheapest full-coverage insurance at $907 per year or $76 per month.
| Company | Average Monthly Premium | Average Annual Premium |
| Travelers | $76 | $907 |
| Nationwide | $98 | $1,182 |
| Erie Insurance | $125 | $1,499 |
| State Farm | $129 | $1,553 |
| Donegal Insurance | $186 | $2,228 |
| USAA* | $165 | $1,976 |
Read more: Cheapest Full-Coverage Auto Insurance
Drivers in their teens and early 20s will pay more for car insurance since they don’t have an established driving history or record. In 2024, they can find the cheapest rates from Travelers according to our research.
The tables below show the lowest car insurance rates for Pennsylvanian drivers aged 16 through 25.
According to our research, Travelers tends to be one of the cheapest options on average for 16-year-old drivers, costing $2,265 per year or $189 per month.
| Cheapest Car Insurance in Pennsylvania | Estimated Monthly Cost | Estimated Annual Cost |
| Travelers | $189 | $2,265 |
| Nationwide | $357 | $4,283 |
| Erie Insurance | $407 | $4,882 |
| State Farm | $477 | $5,722 |
| Geico | $481 | $5,772 |
Read more: Best Cheap Auto Insurance for 16-Year-Olds
We found that Travelers is one of the most affordable options for 17-year-old drivers, costing $2,929 per year or $244 per month on average.
| Company | Average Monthly Premium | Average Annual Premium |
| Travelers | $244 | $2,929 |
| Erie Insurance | $270 | $3,234 |
| State Farm | $308 | $3,692 |
| Geico | $323 | $3,873 |
| Nationwide | $364 | $4,370 |
| USAA* | $344 | $4,129 |
Note: Costs were taken from 2022 information.
Read more: Best Cheap Auto Insurance for 17-Year-Olds
Based on our research, 18-year-old Pennsylvania motorists can find cheap full-coverage car insurance through Travelers with average rates as low as $214 monthly or $2,568 annually.
| Company | Average Monthly Premium | Average Annual Premium |
| Travelers | $214 | $2,568 |
| Erie Insurance | $248 | $2,973 |
| State Farm | $279 | $3,343 |
| Geico | $290 | $3,485 |
| Nationwide | $335 | $4,015 |
| USAA* | $259 | $3,103 |
Note: Costs were taken from 2022 information.
Travelers usually offer the best car insurance rates for 19-year-olds in Pennsylvania at $190 per month or $2,282 per year.
| Company | Average Monthly Premium | Average Annual Premium |
| Travelers | $190 | $2,282 |
| Erie Insurance | $217 | $2,600 |
| Nationwide | $244 | $2,929 |
| State Farm | $246 | $2,950 |
| Geico | $259 | $3,110 |
| USAA* | $219 | $2,633 |
Note: Cost were taken from 2022 information.
Read more: Best Cheap Auto Insurance for 19-Year-Olds
On average, 21-year-old drivers can find affordable coverage through Nationwide for $1,820 per year or $152 per month.
| Company | Average Monthly Premium | Average Annual Premium |
| Nationwide | $152 | $1,820 |
| Travelers | $152 | $1,824 |
| Erie Insurance | $163 | $1,961 |
| State Farm | $189 | $2,268 |
| Geico | $231 | $2,772 |
| USAA* | $191 | $2,295 |
Note: Costs were taken from 2022 information.
Read more: Best Cheap Auto Insurance for 21-Year-Olds
For this age group, Travelers is the most affordable and costs on average $973 per year or $81 per month for full-coverage car insurance. Twenty-five-year-old Pennsylvania drivers may also find cheap auto insurance through Nationwide.
| Company | Average Monthly Premium | Average Annual Premium |
| Travelers | $81 | $973 |
| Nationwide | $111 | $1,329 |
| State Farm | $147 | $1,768 |
| Erie Insurance | $150 | $1,804 |
| Progressive | $220 | $2,645 |
| USAA* | $213 | $2,554 |
Read more: Best Cheap Auto Insurance for 25-Year-Olds
Nationwide offers the cheapest auto insurance in Pennsylvania for seniors with an average annual cost of $1,132 or $94 per month for 65- and 75-year-old drivers.
Read more: Cheapest Auto Insurance for Seniors
At an average rate of $87 per month for full coverage, Nationwide typically offers the cheapest car insurance for 65-year-olds. This pricing is 38% cheaper than the state average of $139.
| Company | Average Monthly Premium | Average Annual Premium |
| Nationwide | $87 | $1,044 |
| Travelers | $87 | $1,045 |
| State Farm | $101 | $1,217 |
| Donegal Insurance | $102 | $1,227 |
| Erie | $106 | $1,268 |
Note: Costs were taken from 2022 information.
The cheapest auto insurance for 75-year-olds is offered by Nationwide with an average annual premium of $1,219 or $102 per month. This pricing is 41% below the state average of $2,085 annually.
| Company | Average Monthly Premium | Average Annual Premium |
| Nationwide | $102 | $1,219 |
| Travelers | $103 | $1,231 |
| State Farm | $117 | $1,402 |
| Erie Insurance | $123 | $1,479 |
| Donegal Insurance | $195 | $2,337 |
| USAA* | $143 | $1,710 |
Note: Costs were taken from 2022 information.
High-risk drivers can expect to pay much more for auto insurance. You may be considered high-risk if you’ve had multiple speeding tickets, recent accidents, DUIs or poor credit in the last three to five years. This doesn’t mean you can’t find fairly affordable rates in Pennsylvania.
Travelers is usually the cheapest option for drivers with a speeding ticket, coming in at $1,133 per year or $94 per month.
| Company | Average Monthly Premium | Average Annual Premium |
| Travelers | $94 | $1,133 |
| State Farm | $137 | $1,649 |
| Erie Insurance | $138 | $1,655 |
| Nationwide | $144 | $1,725 |
| Donegal Insurance | $186 | $2,228 |
| USAA* | $184 | $2,212 |
Travelers, costing an average of $1,198 per year or $100 per month, offers the cheapest full-coverage policies for this group. Its rates are well below the state average for drivers with accidents on their records, which is $2,820 per year, or $235 per month.
| Company | Average Monthly Premium | Average Annual Premium |
| Travelers | $100 | $1,198 |
| State Farm | $148 | $1,772 |
| Nationwide | $163 | $1,952 |
| Erie Insurance | $165 | $1,979 |
| Progressive | $281 | $3,375 |
| USAA* | $236 | $2,833 |
Drivers with a DUI can often find the cheapest full-coverage auto insurance through Travelers, which charges an average of $1,291 per year or $108 per month. This pricing is 57% cheaper than the state average of $248 per month.
| Cheapest Car Insurance in Pennsylvania | Estimated Monthly Cost | Estimated Annual Cost |
| Travelers | $108 | $1,291 |
| State Farm | $137 | $1,649 |
| Erie Insurance | $192 | $2,304 |
| Allstate | $219 | $2,626 |
| Progressive | $233 | $2,792 |
| USAA* | $221 | $2,657 |
Nationwide offers the cheapest full coverage policy estimate for Pennsylvania drivers with bad credit at $1,589 per year, or $132 per month, which is 51% cheaper than the state average of $268 per month.
| Company | Average Monthly Premium | Average Annual Premium |
| Nationwide | $132 | $1,589 |
| Travelers | $203 | $2,430 |
| Donegal Insurance | $230 | $2,757 |
| State Farm | $278 | $3,340 |
| Erie | $292 | $3,509 |
| USAA* | $165 | $1,976 |
Pennsylvania is one of many states that allows insurance companies to use your credit score as a factor in the cost of your premiums. People with poor credit pay higher rates than drivers with average or good credit.
Car insurance providers in Pennsylvania offer various discounts to help motorists save on their premiums. Like any state, it is good to compare policies and deals from several insurers or talk to an insurance agent to learn how to save on car insurance.
Car insurance rates are determined by several factors companies use to personalize quotes.
In addition to a person’s driving history, age and location, here are additional factors that providers in Pennsylvania use to determine premiums:
Read more: Compare Auto Insurance
Below, you can get personalized cheap car insurance quotes based on your location in Pennsylvania.
With our comparison partner,
Looking for the discounts that best fit your needs and situation is an essential step in searching for the cheapest car insurance. If you already have an insurance policy, contacting your agent to see which discounts you qualify for can be a good idea.
This table shows the car insurance discount offerings from the cheapest providers in Pennsylvania, which we’ll detail further in the section below.
| Pennsylvania Car Insurance Discounts | Travelers | Erie Insurance | Nationwide | State Farm | Donegal |
| Multi-policy | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Multi-vehicle | ✔️ | ✔️ | ✔️ | ||
| Safe driver | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Student | ✔️ | ✔️ | ✔️ | ✔️ | |
| Defensive driving | ✔️ | ✔️ | |||
| Driver training | ✔️ | ✔️ | ✔️ | ✔️ | |
| New vehicle | ✔️ | ✔️ | |||
| Car safety equipment | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Loyalty | ✔️ | ✔️ | |||
| Military | |||||
| Paperless Billing | ✔️ | ✔️ |
Here is more information on each of the most popular types of car insurance discounts:
If you want more information about the cheapest auto insurance in Pennsylvania, read the sections below.
The average estimated cost of car insurance in Pennsylvania is $1,981 per year, or $165 per month, based on the profile of a 35-year-old driver with a good credit score and a clean driving record. That’s nearly 2% lower than the national average of $2,008 per year.
However, your rate will vary based on factors including your age and the city you live in.
Pennsylvania drivers can expect to see their car insurance costs decrease as they get older. On average, 16-year-old drivers in Pennsylvania pay $6,441 per year or $537 per month for full-coverage car insurance coverage. As drivers get older, rates drop significantly— the car insurance costs of 45-year-old motorists are $1,862 per year or $155 per month.
| Age | Estimated Monthly Cost for Full Coverage | Estimated Annual Cost for Full Coverage |
| 16 | $537 | $6,441 |
| 25 | $196 | $2,350 |
| 35 | $165 | $1,981 |
| 45 | $155 | $1,862 |
| 55 | $144 | $1,730 |
| 65* | $139 | $1,673 |
| 75* | $174 | $2,085 |
Drivers in urban areas like Philadelphia, Chester and Pittsburgh will pay higher premiums than those in rural parts of the state. This is because theft and car accidents are more likely to happen in densely-populated areas.
This table shows the average rates for full-coverage car insurance in different Pennsylvania cities.
| City in Pennsylvania | Estimated Monthly Cost | Estimated Annual Cost |
| Allentown | $129 | $1,545 |
| Altoona | $117 | $1,400 |
| Bethel Park | $110 | $1,317 |
| Bethlehem | $120 | $1,439 |
| Chester | $165 | $1,981 |
| Drexel Hill | $154 | $1,848 |
| Easton | $116 | $1,397 |
| Erie | $123 | $1,476 |
| Harrisburg | $113 | $1,357 |
| Hazleton | $127 | $1,519 |
| Lancaster | $111 | $1,337 |
| Levittown | $140 | $1,675 |
| McKeesport | $121 | $1,457 |
| Monroeville | $122 | $1,462 |
| New Castle | $117 | $1,406 |
| Norristown | $141 | $1,687 |
| Philadelphia | $235 | $2,823 |
| Pittsburgh | $125 | $1,500 |
| Plum | $120 | $1,436 |
| Reading | $133 | $1,594 |
| Scranton | $126 | $1,509 |
| State College | $98 | $1,179 |
| Wilkes-Barre | $123 | $1,474 |
| Williamsport | $111 | $1,333 |
| York | $107 | $1,285 |
According to our rate data, Pennsylvania is one of the cheapest states to get full-coverage car insurance. Below, you can compare average rates for each state:
| State | Average Annual Minimum Liability Premium | Average Annual Full-Coverage Premium |
| Alabama | $502 | $1,775 |
| Alaska | $486 | $1,685 |
| Arizona | $635 | $2,008 |
| Arkansas | $451 | $2,038 |
| California | $602 | $2,313 |
| Colorado | $566 | $2,173 |
| Connecticut | $980 | $1,919 |
| Delaware | $1,194 | $2,881 |
| Florida | $1,385 | $3,244 |
| Georgia | $680 | $1,973 |
| Hawaii | $529 | $1,656 |
| Idaho | $378 | $1,402 |
| Illinois | $441 | $1,541 |
| Indiana | $432 | $1,587 |
| Iowa | $274 | $1,563 |
| Kansas | $475 | $1,918 |
| Kentucky | $682 | $2,522 |
| Louisiana | $925 | $3,040 |
| Maine | $380 | $1,238 |
| Maryland | $901 | $1,833 |
| Massachusetts | $754 | $2,430 |
| Michigan | $1,360 | $3,643 |
| Minnesota | $481 | $1,766 |
| Mississippi | $453 | $1,658 |
| Missouri | $560 | $2,104 |
| Montana | $398 | $1,979 |
| Nebraska | $356 | $1,871 |
| Nevada | $1,283 | $2,788 |
| New Hampshire | $415 | $1,362 |
| New Jersey | $1,332 | $2,513 |
| New Mexico | $536 | $1,943 |
| New York | $870 | $2,088 |
| North Carolina | $469 | $1,627 |
| North Dakota | $445 | $1,916 |
| Ohio | $536 | $1,599 |
| Oklahoma | $516 | $2,278 |
| Oregon | $953 | $1,925 |
| Pennsylvania | $437 | $1,981 |
| Rhode Island | $1,036 | $2,357 |
| South Carolina | $701 | $1,845 |
| South Dakota | $328 | $2,291 |
| Tennessee | $404 | $1,524 |
| Texas | $683 | $2,205 |
| Utah | $732 | $1,928 |
| Vermont | $310 | $1,199 |
| Virginia | $545 | $1,781 |
| Washington | $561 | $1,616 |
| Washington, D.C. | $686 | $2,218 |
| West Virginia | $604 | $2,177 |
| Wisconsin | $408 | $1,694 |
| Wyoming | $308 | $1,702 |
Even though car insurance in Pennsylvania is cheaper compared to the rest of the country based on our data, you can get even lower premiums by following our team’s recommendations below:
All drivers in Pennsylvania are required to maintain the state minimum coverage. In Pennsylvania, that includes both liability insurance and personal injury protection (PIP). Here’s a breakdown of the state’s minimum coverage limits:
You may see this coverage referred to as 15/30/5/5. While a minimum liability policy will be your most affordable option, it may not be enough to cover damages in the case of an accident. Given the cost of both medical treatment and cars these days, you can see where it would be very easy to surpass these coverage limits. And once you do, you’re personally responsible to pay for the remainder.
Therefore, we recommend increasing your coverage limits. You may also want to consider purchasing a full-coverage plan that includes the following:
If you use your vehicle for commercial purposes, you’re required to have commercial auto insurance in Pennsylvania.
Learn more: Pennsylvania Commercial Insurance Requirements
Pennsylvania law requires all motor vehicle owners in the state to carry the state’s minimum insurance coverage. Those caught driving without it may be subject to the following penalties:
The state of Pennsylvania operates as a no-fault insurance state. This means that after a car accident, each driver’s own insurer will cover their medical expenses after a crash.
Pennsylvania is a little different than other no-fault states, however, as drivers may choose to opt out of the no-fault system (also known as limited tort). When you sign up for car insurance coverage or renew your coverage, you can choose to operate under the at-fault system instead (full tort). If you do this, you retain the right to sue the other driver for damages after an accident.
All Pennsylvania drivers are required to maintain at least liability car insurance. Generally, it’s also a good idea to maintain full-coverage car insurance to ensure that you’re covered in the case of any accidents.
If you’re looking for the best car insurance rates, consider our top-recommended car insurers in Pennsylvania: Travelers, Erie Insurance, Nationwide, State Farm and Donegal. You can compare auto insurance quotes right away using the form below.
With our comparison partner,
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Pennsylvania. We also looked at the average cost of car insurance and coverage requirements in the Keystone State.
To get the best deal for car insurance, we recommend comparing quotes and taking advantage of discount opportunities.
With our comparison partner,
Below are some frequently asked questions about the cheapest auto insurance in Pennsylvania:
According to our research, full–coverage car insurance in Pennsylvania can cost as little as $76 per month with Travelers. Nationwide, State Farm and Erie Insurance also offer affordable monthly coverage.
Compared to the national average, car insurance is not expensive in Pennsylvania. Our researchers found that the average full coverage policy estimate in Pennsylvania is nearly 2% cheaper than the national average.
According to Pennsylvania law, drivers are required to carry at least $5,000 in PIP coverage. This is because Pennsylvania is a no-fault state, so your insurance covers your medical expenses. Drivers can, however, opt out of the no-fault system.
Unless you choose to opt out of the no-fault system, you’ll need to pay for your own medical costs and property damage out of pocket if you have no insurance in Pennsylvania and are hit by another driver.
Travelers has the cheapest full coverage car insurance in Pennsylvania, charging an average of $76 per month or $907 per year. For drivers just looking at minimum liability coverage, Travelers is still the cheapest provider, with policies as low as $21 per month or $249 per year.
The minimum car insurance required in Pennsylvania is:
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.
