The best, cheapest car insurance in Pennsylvania for 2025

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Best car insurance company in Pennsylvania

Drivers in Pennsylvania pay an average of $1,872 a year, or $156 per month, which is the 26^th highest in the country, according to our research.

Actual car insurance rates vary by company, and Travelers, Erie Insurance, and others continue to offer some of the most competitive premiums in Pennsylvania.

When it comes to the best cheap car insurance in Pennsylvania, Travelers is our No. 1 choice followed by Erie Insurance and Nationwide.

Travelers scores well with third-party rating organizations and it has an average premium in Pennsylvania of $952 a year, or $79 a month, which is roughly $920 less than the Pennsylvania average.

The best car insurance companies in Pennsylvania

Company Group	NAIC	J.D. Power	AM Best Rating	Score (out of 5)
Travelers	0.52	628	A++	4.28
Erie Insurance	0.89	713	A+	4.21
Nationwide	0.63	642	A	3.98
GEICO	0.69	647	A++	3.42
State Farm	0.79	652	A++	3.27
Progressive	0.71	624	A+	3.20
Allstate	1.1	624	A+	2.67
USAA*	1.18	743	A++	3.95

*USAA is only available to military community members and their families.

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state and regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights, to arrive at an overall star rating.

Premiums: 25%
JD Power: 30%
AM Best: 25%
NAIC: 20%

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Cheapest car insurance in Pennsylvania

Travelers has the lowest average rate in Pennsylvania at $952 a year or $79 a month.

Nationwide is the next most affordable at $1,196 annually and Erie Insurance at $1,550. While these insurers had the cheapest average premiums, there are plenty of other options for coverage in the state.

Insurers consider a wide variety of factors when setting a rate and use proprietary algorithms which can result in dramatic differences in premium quotes. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Pennsylvania, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

The data shows how shopping around for coverage can result in savings. While Travelers had the lowest average rate at $952, Allstate was the most expensive at $2,503.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Cheapest full-coverage insurance in Pennsylvania

Company	Average annual premium	Average monthly premium
Travelers	$952	$79
Nationwide	$1,196	$100
Erie Insurance	$1,550	$129
Westfield Insurance	$1,872	$156
Progressive	$2,193	$183
GEICO	$2,308	$192
State Farm	$2,473	$206
Allstate	$2,503	$209

Compare cheap car insurance rates in Pennsylvania by city

Philadelphia

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Full coverage car insurance in Pennsylvania

As noted, the rates above are for full coverage car insurance. Residents of Pennsylvania will often be advised to get full coverage, which includes both liability protection as well as collision and comprehensive. Liability helps pay medical and legal bills for injuries or damages you are responsible for after an accident. However, liability doesn’t cover damage to your vehicle or your injuries.

Collision will pay to repair your vehicle if it is damaged after colliding with another vehicle or object. Comprehensive covers perils such as fire, theft, flooding, vandalism and more.

You can find out more about liability, collision, and comprehensive coverage here.

Shopping for car insurance in Pennsylvania

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – he will recommend higher coverage.

“Depending on their age/income and profession,” he says, “I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Pennsylvania by age

Insurance companies consider your age when setting a premium and teens and young adults pay more for coverage as statistics show that young drivers, because they are inexperienced, have more accidents and claims.

Regardless of your age, in Pennsylvania, Travelers is the most affordable coverage with an average rate of $952 a year.

As teens transition into young adults and get more experience under their belt rates start to drop. By their mid to late-20s – assuming they keep their record clean – driver rates should stabilize and then stay stable until the driver moves into their 70s when rates will start climbing again.

Cheapest car insurance for senior drivers in Pennsylvania

Seniors pay more for car insurance than other drivers, excluding teens. Travelers is the best choice for seniors in Pennsylvania, according to our data, with an average premium of $902 annually, which translates to $75 a month.

Nationwide was the second most affordable at $1,079 and Erie Insurance was next with a premium of $1,600.

“Seniors tend to have slower reaction times and may suffer from vision or hearing impairments, which can impair their driving ability. This makes them more prone to accidents and thus considered high-risk by insurance companies,” says Tariro Goronga, CEO of DriveSafe driving schools in Colorado.

The table below shows the average premium for senior drivers.

Average rates for seniors in Pennsylvania

Company	Average annual premium	Average monthly premium
Travelers	$902	$75
Nationwide	$1,079	$90
Erie Insurance	$1,600	$133
Westfield Insurance	$1,782	$149
GEICO	$2,210	$184
Progressive	$2,332	$194
State Farm	$2,355	$196
Allstate	$2,544	$212

Car insurance for young drivers in Pennsylvania

While young adults pay less than teen drivers, they still pay more than older more experienced drivers. The best choice for young adults (early 20s) in Pennsylvania is Travelers with an annual rate of $1,398 or $117 a month.

Nationwide had the second cheapest premium at $1,970 a year followed by Erie Insurance was third at $2,587.

If young drivers keep their driving record clean, their rates will drop down as they move out of their 20s.

The table below shows the best insurers for young drivers in Pennsylvania:

Average rates for young drivers in Pennsylvania

Company	Average annual premium	Average monthly premium
Travelers	$2,658	$222
Westfield Insurance	$4,156	$346
Erie Insurance	$4,327	$361
Nationwide	$4,514	$376
GEICO	$4,678	$390
Progressive	$7,054	$588
Allstate	$7,670	$639
State Farm	$7,791	$649

Car insurance for teen drivers in Pennsylvania

Adding a teen to a car insurance policy will always push up the rate. Teens are the least experienced drivers out on the road which leads to more accidents and claims and higher premiums.

“Teen drivers are statistically more likely to be involved in accidents due to their lack of driving experience and tendency to engage in risky behaviors like speeding,” says Eliezer Zupnick, founder of East Leads Group LLC. “Teens are involved in three times as many auto accidents per mile compared to drivers aged 20 and up, making them a high-risk category for insurers.”

For Pennsylvania teens, Travelers is the most affordable option with a premium of $2,658 a year or $222 a month. Westfield Insurance is the next most affordable at $4,156 a year or $346 a month followed by Erie Insurance running $4,327 a year.

If your teen has a B average or better, ask for a good student discount to help save a bit of money. Having your teen drive an older vehicle will also help save some money. If the car is old enough that you wouldn’t repair it after an accident, you may be able to drop collision and comprehensive.

The chart below shows average premiums for teens in Pennsylvania:

Average rates for teens in Pennsylvania

Company	Average annual premium	Average monthly premium
Travelers	$2,658	$222
Westfield Insurance	$4,156	$346
Erie Insurance	$4,327	$361
Nationwide	$4,514	$376
GEICO	$4,678	$390
Progressive	$7,054	$588
Allstate	$7,670	$639
State Farm	$7,791	$649

Average cost of car insurance in Pennsylvania

Pennsylvania is the 26^th most expensive state (Louisiana is number one) when it comes to car insurance with an average premium of $1,872.

The table below shows the average rate in each state for a 40-year-old driver of a 2023 Honda Accord LX.

Average rates for a 40-year-old in Idaho

Average annual premium	Average monthly premium
$1,872	$156

Which Pennsylvania ZIP codes are the most expensive for car insurance?

Insurers consider the ZIP code where your car is parked when setting a premium. High crime rates or frequent severe weather will result in a higher premium.

According to our analysis, the following ZIP codes are the most expensive in Pennsylvania for car insurance. Philadelphia tops the charts at $2,782 a year.

Here are the most expensive ZIP codes in Pennsylvania for car insurance:

Most expensive ZIP codes in Pennsylvania

City	Average annual Premium
Philadelphia	$2,782
Cheltenham	$2,675
Folcroft	$2,651
Elkins Park	$2,601
Bala Cynwyd	$2,571
Wyncote	$2,569
Darby	$2,564
Merion Station	$2,561
Huntingdon Valley	$2,555
Chester	$2,545

Which Pennsylvania ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in Pennsylvania tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. Boiling Springs has the most affordable ZIP code in Pennsylvania with an annual premium of $1,488.

Least expensive ZIP codes in Pennsylvania

City	Average annual Premium
Boiling Springs	$1,488
Shippensburg	$1,491
Mount Holly Springs	$1,494
Carlisle	$1,502
White Deer	$1,502
Walnut Bottom	$1,504
State College	$1,506
Lewisburg	$1,511
Lemont	$1,513
New Columbia	$1,517

Cheapest car insurance for high-risk drivers in Pennsylvania

If you have an incident on your driving record, you may be considered a high-risk driver, and you will pay more for coverage. A speeding ticket, at-fault accident, or DUI can send your premium skyrocketing.

When we ran the numbers, we found that a speeding ticket in Pennsylvania will push the average rate to $1,609 and an at-fault accident will push it to $1,908.

An accident will stay on your record for at least three years so you will be paying a higher premium for quite a while after an accident.

A DUI will usually result in a massive increase and could push your premium into unaffordable territory. If you are convicted of a DUI, your rate on average will climb to $2,696 a year. A DUI will be reported to insurers for three years, and if you are a commercial driver, it stays on your record for 55 years.

The table below shows the average increase for drivers with various incidents on their record:

How much rates increase in Pennsylvania after a traffic incident

Profile Groups	Average annual premium	Rates after Incident	Rates increase after incident ($)	Rates increase after incident (%)
At-Fault Accident	$1,297	$1,908	$611	47%
Bad Credit	$1,297	$2,373	$1,076	83%
DUI	$1,297	$2,696	$1,399	108%
Speeding	$1,297	$1,609	$311	24%

Minimum car insurance requirements in Pennsylvania

Most states require all drivers to carry a minimum amount of liability coverage to drive legally. Pennsylvania requires drivers to carry 15/30/5 in liability coverage, which translates into:

$15k for bodily injury and $50,000 for death for a person involved in an accident
$30k for bodily injury and $100,000 for death for two or more people in an accident
$5k for property damage for a single accident

These required minimums are fairly average when compared to other states. However, these minimums are rarely enough coverage if you are involved in a serious accident. Once your coverage levels are exceeded, you will be on the hook for any remaining damage.

Experts typically recommend carrying 100/300/50 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Pennsylvania.”

Mark Vallet

Contributing Researcher

Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.