Cheapest Car Insurance in Pennsylvania (Best Rates in 2026)
Erie has the cheapest car insurance in Pennsylvania, at $134 per month for full coverage. That's one-third cheaper than the price of full coverage insurance statewide.
Find Cheap Auto Insurance Quotes in Pennsylvania
Best cheap car insurance in PA
Best and cheapest car insurance in Pennsylvania
- Cheapest full coverage: Erie, $134/mo
- Cheapest minimum liability: Erie, $31/mo
- Cheapest for young drivers: Erie, $71/mo
- Cheapest after a ticket: Erie, $150/mo
- Cheapest after an accident: Erie, $150/mo
- Cheapest for teens after a ticket: Erie, $86/mo
- Cheapest after a DUI: Allstate, $228/mo
- Cheapest for poor credit: Nationwide, $301/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best mix of affordable rates and reliable customer service in Pennsylvania. State Farm is also a great choice. It has good customer service, though it's typically more expensive than Erie.
While Allstate and Nationwide have cheap rates for some drivers, their customer service reviews aren't as good as Erie's and State Farm's. It may be worth paying more for the peace of mind that comes with choosing a company with a great reputation.
Cheapest car insurance in PA for full coverage: Erie
Erie has the most affordable full coverage car insurance quotes in PA.
Find Cheap Auto Insurance Quotes in Pennsylvania
Erie is the best choice for most Pennsylvania drivers because it has cheap rates and excellent customer service.
At $134 per month, full coverage from Erie is $63 per month less than the state average. It's also $39 per month less than the second-cheapest company, Travelers.
Cheapest full coverage car insurance in PA
Company | Monthly rate | |
|---|---|---|
| Erie | $134 |
| Travelers | $173 |
| State Farm | $184 |
| Geico | $201 |
| Nationwide | $221 |
*USAA is only available to current and former military members and their families.
Data-powered research on Pennsylvania car insurance
| Data-powered research on PA car insurance |
|---|
Cheapest liability-only car insurance in PA: Erie
Erie has the cheapest state minimum car insurance in Pennsylvania, at $31 per month.
That's half the Pennsylvania average, which is $62 per month. It's also $22 per month less than the second-cheapest company, State Farm.
Best cheap liability-only car insurance in PA
Company | Monthly rate |
|---|---|
| Erie | $31 |
| State Farm | $53 |
| Travelers | $57 |
| Nationwide | $65 |
| Geico | $69 |
*USAA is only available to current and former military members and their families.
With Erie, you don't have to sacrifice great customer service for cheap rates. Customers are typically happy with the service at Erie, so you can count on it to take good care of you after a crash.
Find Cheap Auto Insurance Quotes in Pennsylvania
Cheap PA auto car insurance for teens: Erie
Erie has the most affordable car insurance rates in Pennsylvania for young drivers.
A minimum liability policy from Erie costs around $71 per month for an 18-year-old. That's half the average rate for Pennsylvania teens, which is $144 per month.
Erie also has the best rates for full coverage for 18-year-olds, at $304 per month. That's $136 per month cheaper than average.
Best auto insurance quotes in PA for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $71 | $304 |
| Geico | $119 | $388 |
| Travelers | $127 | $367 |
| Progressive | $155 | $435 |
| State Farm | $161 | $527 |
*USAA is only available to current and former military members and their families.
Pennsylvania teens should consider full coverage insurance.
Young drivers tend to get into more accidents — so you could benefit from a policy that helps pay for damage to your own car with collision and comprehensive coverage.
If you can't afford your own full coverage policy, it's typically much cheaper to share a policy with your parents. On average, a shared family policy costs 62% less than two separate policies.
Cheap auto insurance in PA after a speeding ticket: Erie
Erie is the cheapest car insurance company in Pennsylvania after a speeding ticket. Full coverage from Erie costs $150 per month after one ticket, which is nearly two-fifths less than the average cost statewide.
Most affordable PA auto insurance after a ticket
Company | Monthly rate |
|---|---|
| Erie | $150 |
| State Farm | $196 |
| Travelers | $227 |
| Allstate | $228 |
| Progressive | $274 |
*USAA is only available to current and former military members and their families.
In Pennsylvania, drivers with a single speeding ticket pay 21% more than drivers with a clean record. That's an average increase of $42 per month for full coverage.
Cheapest car insurance in Pennsylvania after an accident: Erie
Erie has the best cheap Pennsylvania auto insurance after an accident. At $150 per month, Erie's rates only increase by $16 per month after your first crash. And Erie is $34 per month less than the second-cheapest company, State Farm.
Best car insurance quotes in PA after an accident
Company | Monthly rate |
|---|---|
| Erie | $150 |
| State Farm | $184 |
| Nationwide | $221 |
| Allstate | $228 |
| Geico | $238 |
*USAA is only available to current and former military members and their families.
Pennsylvania drivers can expect quotes to increase by 13%, on average, after an at-fault accident.
However, not all insurance companies raise rates by the same amount. For example, your rates may not go up with Allstate, Nationwide, Progressive or State Farm if you have accident forgiveness. But these companies are still much more expensive than Erie, despite Erie raising rates by 12% after a crash.
That's why it's important to compare multiple quotes when shopping for a policy, especially after a change in your driving record.
Cheap insurance in PA for teens with a bad driving record: Erie
Erie has the most affordable car insurance for young drivers after a speeding ticket or accident.
A minimum liability policy from Erie costs $86 per month for an 18-year-old with one speeding ticket. That's about half the Pennsylvania state average of $167 per month.
Erie is also the cheapest company after an accident. Teens with an at-fault accident on their record pay around $82 per month for minimum liability insurance from Erie. That's also around half the statewide average.
Best PA car insurance quotes for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $86 | $82 |
| Progressive | $156 | $155 |
| Travelers | $172 | $209 |
| Geico | $174 | $137 |
| State Farm | $176 | $161 |
*USAA is only available to current and former military members and their families.
Young drivers in Pennsylvania can have a hard time finding affordable insurance.
When shopping for insurance, make sure you're getting all of the car insurance discounts you qualify for. For example, Erie offers a discount for living at home with your parents and getting good grades.
Cheap auto insurance in Pennsylvania after a DUI: Allstate
Allstate has the cheapest insurance in Pennsylvania for drivers with a DUI. Allstate charges around $228 per month after one DUI, which is one-third cheaper than the average cost in Pennsylvania.
Pennsylvania drivers should also consider Erie after a DUI. Full coverage from Erie is $20 per month more than Allstate. However, Erie's excellent customer service can help you get back on the road sooner after a crash, so it may be worth the extra cost.
Low cost auto insurance in PA after a DUI
Company | Monthly rate |
|---|---|
| Allstate | $228 |
| Erie | $248 |
| Travelers | $271 |
| Progressive | $314 |
| Geico | $376 |
*USAA is only available to current and former military members and their families.
Car insurance rates go up by an average of 72% after one DUI in Pennsylvania. That's an increase of around $142 per month for a full coverage policy.
Cheapest insurance in PA for drivers with poor credit: Nationwide
Nationwide has the best cheap quotes for Pennsylvania drivers with a low credit score. At $301 per month for full coverage, Nationwide is $91 per month cheaper than the state average.
Erie is also a great choice. At $312 per month, full coverage insurance from Erie is only a little more expensive than Nationwide. That means it could be the cheapest option for some people.
Affordable car insurance in PA with bad credit
Company | Monthly rate |
|---|---|
| Nationwide | $301 |
| Erie | $312 |
| Geico | $313 |
| Allstate | $376 |
| Travelers | $410 |
*USAA is only available to current and former military members and their families.
Insurance companies in Pennsylvania charge drivers with bad credit nearly twice as much for full coverage compared to those with good credit. That's because car insurance companies believe drivers with poor credit scores are more likely to make a claim in the future.
Best car insurance in PA
Erie has the best car insurance in Pennsylvania.
Erie has excellent customer service reviews and the most affordable quotes in Pennsylvania for most people.
Best insurance companies in PA
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA* | 735 | A++ | |
| Erie | 703 | A | |
| State Farm | 650 | A++ | |
| Nationwide | 645 | A | |
| Travelers | 613 | A++ |
*USAA is only available to current and former military members and their families.
USAA and State Farm also have great customer service. However, both companies are typically more expensive than Erie. Plus, USAA is only available to military members, veterans and their families.
Average car insurance cost in PA by city
Philadelphia has the highest car insurance rates in Pennsylvania.
Drivers in Philadelphia pay an average of $367 per month, which is $169 per month more than the Pennsylvania average.
Drivers in Houserville, a small town in central Pennsylvania, have the cheapest car insurance quotes. Rates there average $160 per month.
Pennsylvania car insurance rates by city
City | Monthly rate | % from average |
|---|---|---|
| Aaronsburg | $174 | -12% |
| Abbottstown | $170 | -14% |
| Abington | $237 | 20% |
| Ackermanville | $195 | -2% |
| Acme | $204 | 3% |
The cost of full coverage car insurance in Pennsylvania varies by $207 per month between the most and least expensive cities.
Rates are typically more expensive in larger cities with more traffic and higher crime rates. That's because drivers in cities are more likely to get in a crash or have their cars stolen.
If you're age 55 or older, you can save 5% or more on your car insurance by taking a driver improvement course. That's an average savings of nearly $120 per year on a full coverage policy.
Minimum car insurance requirements in Pennsylvania
Pennsylvania law requires you to have a minimum amount of liability coverage, which pays for injuries and damage you cause. This is sometimes written as 15/30/5. You also need medical benefits coverage, which pays for your own injuries.
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $5,000 per accident
- Medical benefits: $5,000
You can also choose a single limit of $35,000, which meets both the bodily injury and property damage liability requirements.
Driving without insurance in Pennsylvania — even if it's because you accidentally let your policy expire — comes with big consequences.
Typically, the state will suspend your car's registration for three months after you're caught without insurance. But if you need your car to get around, you can avoid the suspension by paying $500 along with a reinstatement fee, but only for your first offense.
What's the best car insurance coverage for Pennsylvania drivers?
Full coverage is the best option for most people because it pays for damage to your car.
Full coverage car insurance in Pennsylvania is $136 per month more expensive than minimum liability coverage. That's because full coverage includes collision and comprehensive coverage, along with more than the state’s minimum liability coverages.
- Collision coverage pays for damage to your car due to an accident, regardless of whose fault it is.
- Comprehensive coverage pays for damage to your car in most other situations. This includes damage caused by weather, animals, vandalism and theft.
In comparison, minimum coverage insurance doesn't offer any protection for your car.
Lenders typically require you to have full coverage insurance if you have a loan or lease on your car. You should also consider full coverage if your car is less than eight years old or worth more than $5,000.
Minimum coverage auto insurance is the least expensive form of insurance you can get. A minimum coverage policy in Pennsylvania covers injuries to the other driver and damage to their property, up to a set amount. It also includes a small amount of coverage for your own injuries.
Minimum coverage isn't usually enough to pay for major accidents, which leaves you with bills you’d have to pay yourself.
In addition, minimum coverage insurance doesn't cover damage to your own car. That's why most drivers should get full coverage insurance. It’s especially true for those with a car that's eight years old or newer, or worth more than $5,000.
Frequently asked questions
Who has the cheapest car insurance rates in PA?
Erie has the cheapest insurance in Pennsylvania in 2026. Liability-only coverage from Erie costs just $31 per month, which is half the state average. It also has the cheapest full coverage insurance, at $134 per month.
How much is car insurance per month in PA?
The average cost of car insurance in Pennsylvania is $62 per month for a minimum coverage policy. Full coverage costs an average of $198 per month.
Which car insurance is best for Pennsylvania?
Erie is the best car insurance company in Pennsylvania. It has excellent customer service and affordable rates for most Pennsylvania drivers.
USAA gets even better reviews, but it's only available if you're affiliated with the military. Its rates are also usually higher than Erie's.
Is Pennsylvania car insurance so expensive?
Car insurance in Pennsylvania isn't expensive compared to the rest of the country. Minimum coverage in Pennsylvania is 22% cheaper than the national average, and full coverage costs 2% less than average. One reason car insurance is cheap is that Pennsylvania has a low percentage of uninsured drivers.
How much is car insurance in Pittsburgh?
Drivers in Pittsburgh pay an average of $211 per month for full coverage insurance. That's only 7% more expensive than the Pennsylvania average. In comparison, drivers who live in the largest city in the state, Philadelphia, pay $367 per month.
Methodology
To find the best cheap car insurance in PA, ValuePenguin collected thousands of rates from ZIP codes across Pennsylvania for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
Full coverage quotes include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Medical coverage: $5,000
- Comprehensive and collision: $500 deductible
ValuePenguin's review used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
