Home Car insurance Car insurance rates by state Low-cost car insurance in Pennsylvania Low-cost car insurance in Pennsylvania Our data shows Travelers delivers the lowest car insurance rates in Pennsylvania. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Travelers provides the lowest car insurance rates in Pennsylvania at $952 a year. The average premium is $156 per month in Pennsylvania, though your actual rate may vary. Car insurance requirements differ by state. In Pennsylvania, drivers are required to carry at least the minimum liability coverage: $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage per accident.Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.Below, you’ll find which insurance companies are the most affordable for different categories. Key Takeaways Travelers has the cheapest average premium in Pennsylvania, coming in at $952 per year – about 49% compared to the state average.For drivers with an at-fault accident on their record, Travelers offers the lowest rates, with annual costs averaging $1,241.The 17007 ZIP code is the least expensive area in Pennsylvania for car insurance, with an average yearly premium of $1,488. Low-cost car insurance companies in PennsylvaniaAmong all insurers in Pennsylvania, Travelers comes in lowest at $952 per year – 49% less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.Below are the annual premiums from the cheapest car insurance companies in Pennsylvania.CompanyAverage annual ratesTravelers$952Nationwide$1,196Erie Insurance$1,550Westfield Insurance$1,872Donegal Insurance$1,913Progressive$2,193GEICO$2,308State Farm$2,473Allstate$2,503USAA*$1,806*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in Pennsylvania 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in PennsylvaniaDrivers in the 17007 ZIP code pay the lowest average annual premium in Pennsylvania, at $1,488. See which other areas of the state offer more affordable rates below.ZIP codeCityAverage annual rates17007Boiling Springs$1,48817257Shippensburg$1,49117065Mount Holly Springs$1,49417013Carlisle$1,49616801State College$1,50217887White Deer$1,50217266Walnut Bottom$1,50417055Mechanicsburg$1,50817015Carlisle$1,50916803State College$1,510Powered by: You might find interesting Explore related topics Average car insurance cost in PennsylvaniaCar insurance calculator for teens in PennsylvaniaDo you need insurance to register a car in Pennsylvania?How long does a speeding ticket stay on your record in PennsylvaniaHow much is gap insurance in PennsylvaniaNon-owner car insurance in Pennsylvania: Which company has the cheapest rates?Pennsylvania car insurance calculatorPennsylvania car insurance: Rates, state minimum requirements and best companiesThe best, cheapest car insurance in PennsylvaniaBest and cheapest companies for home and auto bundles in PennsylvaniaSee more Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Pennsylvania by citySee rates in your cityAllentownPhiladelphiaPittsburghReading Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in Pennsylvania by ageTeen drivers in Pennsylvania pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $5,204 more than a 40-year-old driver in Pennsylvania.The table below shows low-cost car insurance rates for drivers of different ages. Age groupFull coverage annual premiumsTeens (16-19)$5,589Young Adults (20-24)$3,094Adults (25-60)$1,895Seniors (65-75)$1,864Powered by:Low-cost car insurance in Pennsylvania by driver historyYour driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.Low-cost car insurance after a speeding ticket in PennsylvaniaA single speeding ticket in Pennsylvania can push your rates up by 24%, or about $458. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseTravelers$952$1,16022%$208Erie Insurance$1,550$1,73312%$183Nationwide$1,196$2,16081%$964State Farm$2,473$2,6467%$173GEICO$2,308$3,54153%$1,233USAA*$1,806$2,02212%$216*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in Pennsylvania Travelers offers the lowest car insurance rates to drivers after an at-fault accident at $1,241 a year. If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseTravelers$952$1,24130%$289Nationwide$1,196$1,96164%$765Erie Insurance$1,550$1,98828%$438State Farm$2,473$2,79213%$319Progressive$2,193$3,37954%$1,186Allstate$2,503$3,51340%$1,010GEICO$2,308$3,70861%$1,400USAA*$1,806$2,66247%$856*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in Pennsylvania]A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Pennsylvania keep their premiums lower than others. The table below shows the most affordable options available after a DUI.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseTravelers$952$1,347$39542%Erie Insurance$1,550$2,498$94861%Progressive$2,193$2,645$45221%State Farm$2,473$2,646$1737%Nationwide$1,196$3,010$1,814152%GEICO$2,308$3,852$1,54467%USAA*$1,806$2,425$61934%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance PennsylvaniaFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.The average cost of full coverage car insurance in Pennsylvania is $23 less than the national average car insurance rates in the U.S.We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.What is full coverage car insurance?Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.If you lease or finance your car in Pennsylvania, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.The bottom line on saving and staying protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Pennsylvania.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Pennsylvania. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide. To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX. We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more states No matches are found In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance companies in PennsylvaniaHow we choose low-cost car insurance companies in PennsylvaniaZIP codes with the cheapest car insurance in PennsylvaniaLow-cost car insurance in Pennsylvania by ageLow-cost car insurance in Pennsylvania by driver historyAverage cost of car insurance PennsylvaniaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330