Cheapest car insurance in Pennsylvania

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According to Insure.com’s analysis, Travelers has the cheapest car insurance rates for most drivers in Pennsylvania at $952 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.

To comply with Pennsylvania’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage per accident.

However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.

Below, you’ll find which insurance companies are the most affordable for different categories.

Cheapest overall: Travelers

$952/year

National avg. rate

Cheapest for at-fault accident: Travelers

$1,241/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Travelers

$1,160/year

Avg. rate after speeding ticket

Cheap car insurance companies in Pennsylvania

Travelers offers the cheapest car insurance in Pennsylvania, with an average price of $952 per year. It’s 49% less expensive than the average car insurance cost in Pennsylvania. The rates 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 for car insurance from the cheapest car insurance companies.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Pennsylvania

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Pennsylvania

The cheapest ZIP code for car insurance in Pennsylvania is 17007, with an average annual cost of $1,488. Find below the most affordable ZIP codes for auto insurance rates in Pennsylvania.

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.

Cheapest car insurance in Pennsylvania by age

In Pennsylvania, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $5,204 more for car insurance than a 40-year-old driver.

The following table shows the cheapest car insurance premiums for drivers of different ages.

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Cheapest car insurance in Pennsylvania by driver history

Your driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.

Cheapest car insurance after a speeding ticket in Pennsylvania

Below is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.

• Travelers: $1,160 per year
• Erie Insurance: $1,733 per year
• Nationwide: $2,160 per year

A single speeding ticket in Pennsylvania can cause your insurance rates to go up by 24%, or $458, according to Insure.com’s analysis.

Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Pennsylvania

Below are the top three insurance companies that provide affordable car insurance rates after an accident.

• Travelers: $1,241 per year
• Nationwide: $1,961 per year
• Erie Insurance: $1,988 per year

Travelers has the cheapest auto insurance rates for Pennsylvania drivers after an at-fault accident at $1,241 a year.

If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.

Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Pennsylvania

Below is a list of the top three companies offering affordable car insurance following a DUI conviction.

• Travelers: $1,347 per year
• Erie Insurance: $2,498 per year
• Progressive: $2,645 per year

If you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.

The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Pennsylvania

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Pennsylvania is $23 less than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.

What is full coverage car insurance in Pennsylvania?

Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.

In Pennsylvania, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage 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 violation 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. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

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

Shivani Gite

Contributing Writer

 

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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.