Low-cost car insurance in Pennsylvania

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Drivers in Pennsylvania can find the cheapest average premium with Travelers, at $1,423 per year. By comparison, the statewide average monthly cost is $202. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Pennsylvania requires drivers to carry at least $15,000 in bodily injury coverage per person, $30,000 in bodily injury per accident, and $5,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Pennsylvania, depending on your situation.

Key Takeaways

Travelers offers the lowest car insurance rates in Pennsylvania, at $1,423 per year, which is about $1,005 the state average.
Travelers has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $1,857.
The ZIP code 16827 has the low-cost car insurance rates in Pennsylvania, at an average annual rate of $1,819.

Low-cost car insurance businesses in Pennsylvania

When comparing insurers in Pennsylvania, Travelers leads the pack with an annual average of $1,423. That’s $1,005 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Pennsylvania.

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

In Pennsylvania, drivers living in the 16827 ZIP code enjoy the lowest average annual premium at $1,819. Check the table below to see which other ZIP codes in the state have more affordable rates.

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

Teen 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 $6,587 more than a 40-year-old driver in Pennsylvania.

The table below shows low-cost car insurance rates for drivers of different ages.

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

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Pennsylvania

Just one speeding ticket in Pennsylvania can raise your rates by 24% – $594 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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 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.

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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Pennsylvania, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

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.