Best Car Insurance in Pennsylvania
Last Updated on October 15, 2020
Drivers in Pennsylvania must purchase and maintain car insurance to legally drive. Like other states, Pennsylvania requires you to prove financial responsibility for your vehicle and any damage you cause. Operating a vehicle in Pennsylvania without car insurance is illegal. Fortunately, there are plenty of large and small car insurance companies in Pennsylvania that provide effective car insurance at a reasonable rate.
Keep reading to discover everything you need to know about the best car insurance in Pennsylvania.
Table of Contents:
- The 10 Best Auto Insurance Companies in Pennsylvania
- Pennsylvania Auto Insurance Requirements
- Driving Without Insurance in Pennsylvania
- Car Insurance in Pennsylvania with a DUI
- Car Insurance in Pennsylvania with At-Fault Accidents
- Car Insurance in Pennsylvania with Speeding Tickets
- Car Insurance in Pennsylvania for Young Drivers
- Car Insurance in Pennsylvania with Poor Credit
- SR-22 Insurance in Pennsylvania
Top 10 Auto Insurance Companies in Pennsylvania
Based on our analysis, here are the best car insurance companies in Pennsylvania in terms of value, customer service, and pricing:
Travelers is one of the cheapest car insurance companies for drivers in Pennsylvania. Travelers is an especially good option for drivers with good driving history and a solid credit score. Drivers who insure with Travelers pay as little as $849 per year for car insurance in the Commonwealth.
|Company Address||485 Lexington Ave 10th Fl
New York, NY 10017
2. Erie Insurance
Erie Insurance is not available across the United States, but it is available in Pennsylvania, where it’s one of the state’s best-rated and most popular car insurance companies. Erie consistently ranks at the top of lists for claims satisfaction, customer service, and financial stability. Erie drivers pay approximately $923 per year for car insurance in Pennsylvania.
|Company Address||100 Erie Insurance Place
Erie, PA 16530
Auto-Owners isn’t the nation’s best-known car insurance company, but Auto-Owners does provide effective car insurance at a reasonable rate. Be it claims satisfaction, customer service, or affordability, Auto-Owners scores well across the board. It is a customer favorite for auto insurance in states it is available. Drivers pay less than $1,000 per year, on average, to insure a vehicle with Auto-Owners in PA.
|Company Address|| 6101 Anacapri Blvd.
Lansing MI, 48917
4. State Farm
State Farm is one of the country’s largest car insurance companies, so it makes sense they offer good rates in Pennsylvania. It’s size alone gives it unique advantages when it comes to auto insurance coverage – more agents, more adjusters, more discounts, and more money to pay out claims. The average PA driver pays approximately $1,164 to insure a vehicle with State Farm in Pennsylvania.
|Company Address||1 State Farm Plaza
Bloomington, IL 61701
Allied Insurance, which is a subsidiary of Nationwide, might not be as well known as State Farm, but it is also available in all 50 states. Allied drivers pay around $1,321 per year to insure a vehicle in Pennsylvania. Allied is well-rated for customer service and value. Although they’re not the cheapest, they’re frequently ranked among the best car insurance providers in Pennsylvania.
|Company Address||1100 Locust Street
Des Moines, IA, 50391
GEICO is one of the cheapest car insurance companies in most states. Although the company has average reviews for customer service and claims satisfaction, they beat most competitors in price. GEICO charges drivers in Pennsylvania around $970 per year for car insurance, on average.
|Company Address||5260 Western Avenue
Chevy Chase, MD 20815
If you’re eligible for membership in USAA, then you’ll find some of the best-rated and best-value car insurance in Pennsylvania. USAA not only charges cheaper rates than many of its PA competitors, but the company also has some of the best-rated customer service. Expect to pay around $1,025 per year for full coverage car insurance with USAA in Pennsylvania – or less, depending on your location.
|Company Address||5260 Western Avenue
Chevy Chase, MD 20815
8. Donegal Mutual
Donegal Mutual isn’t well-known outside of Pennsylvania, but the company is popular with drivers in all corners of Pennsylvania. Donegal Mutual is a reputable company with a long history of solid reviews and satisfied customers. Drivers can pay less than $1,500 per year, on average, for a full coverage car insurance policy from Donegal Mutual.
|Donegal Mutual Insurance|
|Company Address||1195 River Rd
Marietta, PA 17547
Progressive is a large and well-known insurance provider available in all 50 states, including Pennsylvania. They tend to be more expensive than other Pennsylvania car insurance providers, charging around $1,833 per year, on average, for full coverage car insurance.
|Company Address||6300 Wilson Mills Road
Mayfield Village, OH 44143
Allstate is a particularly good car insurance company for drivers in California with a clean driving record. If you have no at-fault accidents, speeding tickets, or other incidents on your record, then you could save a significant amount by switching to Allstate in Pennsylvania. Expect to pay around $1,691 for Allstate car insurance in Pennsylvania, on average.
|Company Address||2775 Sanders Road
Northbrook, IL 60062
Pennsylvania Insurance Requirements
The Commonwealth of Pennsylvania requires drivers to purchase and maintain car insurance to legally drive in the state. Pennsylvania requires drivers to buy medical benefits, bodily injury liability, and property damage liability coverage:
$5,000 of medical benefits coverage. This coverage pays the medical bills for you and others covered by your policy, regardless of fault, if there are any injuries resulting from an accident. You must maintain a minimum of $5,000 in coverage, although all insurers offer higher limits.
$15,000 to $30,000 of bodily injury liability coverage. Drivers must maintain a minimum of $15,000 of bodily injury liability coverage per person and $30,000 per accident (expressed as a 15/30 policy). Bodily injury liability insurance covers medical bills, lost wages, and other expenses incurred by other drivers or people as a result of your actions (say, if you cause an at-fault accident in Pennsylvania).
$5,000 of property damage liability. Drivers must maintain a minimum of $5,000 of property damage liability coverage to cover the cost of vehicle repairs and property damage repairs after an at-fault accident.
Pennsylvania does not require motorists to maintain uninsured or underinsured motorist coverage. And, like all states, Pennsylvania does not require collision or comprehensive coverage, among other optional coverages.
Driving Without Insurance in Pennsylvania
Driving without insurance in Pennsylvania is illegal. However, approximately 1 in 7 drivers in Pennsylvania do not have car insurance.
If you are caught driving without car insurance in Pennsylvania, then you could face a 3-month license suspension, vehicle impoundment, and a minimum $300 fine – even if it’s your first offense. Drivers must also pay a $88 restoration fee to restore vehicle registration and driver’s license. Alternatively, you may be able to pay a civil penalty of $500 to avoid the suspension of your vehicle registration, although you will still need to pay the $88 restoration fee regardless.
Car Insurance in Pennsylvania with DUI
Being convicted of a DUI increases the cost of car insurance in every state – and Pennsylvania is no exception.
However, relative to other states, insurers in Pennsylvania increase costs less after your first DUI. Generally, you can expect insurance premiums to rise approximately 40% after your first DUI in Pennsylvania – much lower than the 60% to 70% average jump across the United States.
Pennsylvania has a 10-year lookback period for DUIs, which means insurers can view DUIs on your record dating back 10 years. You will pay higher insurance rates for up to 10 years after your DUI conviction.
If you have a DUI on your record, consider requesting a quote from any of the following car insurance companies in Pennsylvania:
- GEICO: $1,791 per year
- USAA: $1,842 per year
- Erie: $1,944 per year
- State Farm: $2,051 per year
- Nationwide: $2,125 per year
Car Insurance in Pennsylvania with At-Fault Accidents
If you caused an at-fault accident in Pennsylvania, then you’ll pay higher insurance premiums for 3 to 6 years, depending on the severity of the accident and your insurer’s lookback period.
Interestingly, Pennsylvania is one of the best states for drivers with an at-fault accident. Safe drivers with a clean record pay just 10% lower car insurance premiums, on average, than drivers with an at-fault accident. Nationwide, drivers with at-fault accidents pay anywhere from 20% to 40% higher rates for car insurance after an at-fault accident.
Consider requesting a quote from any of the following car insurance companies after an at-fault accident in Pennsylvania:
- Nationwide: $1,351 per year
- State Farm: $1,469 per year
- Erie: $1,501 per year
- GEICO: $1,690 per year
- Progressive: $1,710 per year
Car Insurance in Pennsylvania with Speeding Tickets
Just like with DUIs and at-fault accidents, Pennsylvania insurance companies have a lax approach towards speeding tickets. A single speeding ticket may not impact car insurance rates whatsoever in Pennsylvania – although more serious violations or multiple speeding tickets could lead to higher insurance premiums.
If you have a speeding ticket, consider requesting a quote from any of the following Pennsylvania insurance companies:
- GEICO: $1,109 per year
- USAA: $1,121 per year
- Nationwide: $1,199 per year
- Erie: $1,201 per year
- State Farm: $1,256 per year
Car Insurance in Pennsylvania for Young Drivers
Young drivers in Pennsylvania pay higher rates for car insurance than drivers in any other demographic. As a young driver, you are statistically the highest risk driver to insure. You are more likely to cause an accident than any other driver, and that means significantly higher insurance premiums.
Fortunately, with a little shopping around, you can pay competitive prices for car insurance in Pennsylvania even as a young driver:
- USAA: $2,691 per year
- GEICO: $3,101 per year
- Erie: $3,233 per year
- State Farm: $3,337 per year
- Donegal Mutual: $3,498 per year
Car Insurance in Pennsylvania with Poor Credit
Pennsylvania, like most states, allows insurers to assess policyholders based on their credit score. Statistically, drivers with bad credit scores are riskier to insure than drivers with good credit scores in Pennsylvania. When applying for car insurance, insurers use something called your credit-based insurance score to assess your risk.
However, not all car insurance companies treat credit the same way. If you have poor credit, consider requesting a quote from any of the following insurers:
- Allied: $1,469 per year
- State Farm: $1,511 per year
- GEICO: $1,512 per year
- Donegal Mutual: $1,691 per year
- Chubb: $1,701 per year
SR-22 Insurance in Pennsylvania
Pennsylvania is one of the few states in America with no SR-22 or FR-44 insurance requirements. While other states require drivers to obtain a certificate of financial responsibility (like an SR-22 or FR-44 certificate), Pennsylvania does not have any such requirement.
If your car insurance lapses in Pennsylvania, or if you are convicted of a DUI, then you may pay higher insurance rates – but you will not need to obtain any type of high-risk insurance, SR-22 insurance, or FR-44 insurance.
Conclusion: How to Find the Best Auto Insurance in Pennsylvania
Pennsylvania is one of the most populous states in America, and that means citizens of the Commonwealth have plenty of options among small and large insurance providers. Unfortunately, auto insurance in Pennsylvania can be quite expensive, especially if you live in a large urban area like Philadelphia.
If you are looking for affordable auto insurance coverage in Pennsylvania, shopping around and comparing quotes is crucial. Return to the top of this page and enter your ZIP code to begin finding the best auto insurance rates in Pennsylvania.