Low-cost car insurance in Pennsylvania

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Travelers provides the lowest car insurance rates in Pennsylvania at $1,423 a year. The average premium is $202 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 $1,423 per year – about $1,005 compared to the state average.
For drivers with an at-fault accident on their record, Travelers offers the lowest rates, with annual costs averaging $1,857.
The 16827 ZIP code is the least expensive area in Pennsylvania for car insurance, with an average yearly premium of $1,819.

Low-cost car insurance companies in Pennsylvania

Travelers offers the lowest car insurance rates in Pennsylvania, with an average annual premium of $1,423 per year. It’s $1,005 less expensive than the average car insurance cost in Pennsylvania. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
Travelers	$1,423
Nationwide	$1,809
Erie Insurance	$1,848
Allstate	$2,533
Westfield Insurance	$2,660
Donegal Insurance	$2,715
State Farm	$2,795
GEICO	$2,974
Progressive	$3,600
USAA*	$1,958

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

How we choose low-cost car insurance companies in Pennsylvania

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Pennsylvania

Drivers in 16827 benefit from the lowest average premium in the state, at $1,819 per year. See the table below to find other ZIP codes in Pennsylvania where insurance tends to be cheaper.

ZIP code	City	Average annual rates
16827	Boalsburg	$1,819
17007	Boiling Springs	$1,862
16801	State College	$1,866
17055	Mechanicsburg	$1,882
17013	Carlisle	$1,883
17065	Mount Holly Springs	$1,888
16851	Lemont	$1,888
17078	Palmyra	$1,895
17265	Upperstrasburg	$1,901
17231	Lemasters	$1,901

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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 city

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Low-cost car insurance in Pennsylvania by age

Teenagers pay significantly more for car insurance than adults in Pennsylvania. For instance, a 16-year-old driver pays $6,587 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Pennsylvania.

Age group	Full coverage annual premiums
Teens (16-19)	$7,110
Young Adults (20-24)	$3,981
Adults (25-60)	$2,438
Seniors (65-75)	$2,359

Low-cost car insurance in Pennsylvania by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Pennsylvania

One speeding ticket in Pennsylvania can cause your insurance rates to jump by 24%, or roughly $594 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,423	$1,734	22%	$311
Erie Insurance	$1,848	$2,066	12%	$218
State Farm	$2,795	$2,990	7%	$196
Nationwide	$1,809	$3,268	81%	$1,458
GEICO	$2,974	$4,564	53%	$1,590
USAA*	$1,958	$2,193	12%	$235

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

Low-cost car insurance after an accident in Pennsylvania

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Travelers has the lowest average rate at $1,857 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Pennsylvania with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,423	$1,857	30%	$434
Erie Insurance	$1,848	$2,371	28%	$523
Nationwide	$1,809	$2,965	64%	$1,155
State Farm	$2,795	$3,156	13%	$361
Allstate	$2,533	$3,554	40%	$1,022
GEICO	$2,974	$4,779	61%	$1,805
Progressive	$3,600	$5,547	54%	$1,948
USAA*	$1,958	$2,886	47%	$928

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

Low-cost car insurance after a DUI in Pennsylvania

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Pennsylvania are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$1,423	$2,014	$591	42%
Erie Insurance	$1,848	$2,979	$1,131	61%
State Farm	$2,795	$2,990	$196	7%
Progressive	$3,600	$4,340	$741	21%
Nationwide	$1,809	$4,554	$2,744	152%
GEICO	$2,974	$4,965	$1,991	67%
USAA*	$1,958	$2,630	$672	34%

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

Average cost of car insurance Pennsylvania

Full 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 $85 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 refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Pennsylvania, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Pennsylvania.

Methodology

Insure.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 applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.