How to Get the Cheapest Car Insurance in Pennsylvania

Pennsylvania drivers tend to pay about 5% less than the national average for car insurance, but that doesn’t mean you can find big savings. We’ve analyzed millions of real-life quotes on Compare.com to break down average costs, the best discounts, and ways you can save some serious cash on your monthly bill. Keep reading to see how much you should be paying for car insurance in Pennsylvania.

In This Article:

• Cheapest Rates for Different Types of PA Drivers
• Cheapest PA State Minimum Rates
• Cheapest Full Coverage Rates in PA
• Cheapest Pennsylvania Cities for Car Insurance
• Pennsylvania Car Insurance Discounts
• Best Car Insurance Companies in Pennsylvania
• Pennsylvania Car Insurance Laws and Penalties
• Frequently Asked Questions

The Cheapest Car Insurance Companies in Pennsylvania in 2022

If you’re a Pennsylvania driver, you might be wondering how to lower your car insurance premium. With so many options available, finding a reliable insurance provider that offers affordable rates can be challenging. But look no further. We’ve put together a comprehensive guide featuring the most affordable auto insurance companies in the state regardless of your personal driving history.

Whether you’re a new driver or retiree, single, or married, or have a perfect or spotty driving record, here are the cheapest car insurance companies you can turn to if you want to save on your premium.

The Cheapest Rates for PA Teens

A teen getting their driver’s license is an exciting milestone. Unfortunately, it can come with a hefty price tag.  Insurance companies often charge teens and their parents an increased rate to take on the risk of a newer driver. Thankfully there are still affordable options available to get your teen the coverage they need when getting out on the road.

Here’s a list of the cheapest insurance companies for teen drivers in Pennsylvania.

As you can see, there are plenty of great options out there to insure your teen driver. With Clearcover coming in at just $102 per month, they’re clearly the most affordable choice available. The rate jumps to $160/mo with Plymouth Rock, and steadily increases with the remaining companies on the list. SafeAuto rounds out this list at $200 which is nearly double the price of Clearcover.

The Best Rates for Young Drivers Under 25 in Pennsylvania

You’ll continue to see higher-than-average auto insurance rates until you turn 25. So, young drivers 18-24 can expect to pay higher rates for auto insurance, but less than in their teenage years. Typically young drivers will see higher insurance premiums, but with these affordable options, you won’t have to worry about overpaying as much.

Much like the cheapest option for teen drivers, Clearcover offers the most affordable rate for young drivers at just $115/mo. While this is a slight bump in premium from teen driver coverage, the difference is minor and will still provide you with a comprehensive auto insurance policy that won’t break the bank. Rates remain similar to Clearcover with Answer Financial at $116/mo.

Then you begin to see rates increase with Verti ($134/mo) and Liberty Mutual ($144/mo). Direct Auto, Plymouth Rock, Good2Go and Safe Auto range between $160/mo and $164/mo. Finally, Jupiter rounds out the list at a little over $200/mo.

Cheapest Quotes for Retired Drivers in PA

Once you hit retirement age, you can enjoy your golden years without having to worry about work.  But, if you’re still driving, car insurance is an expense you have to consider. While insurance rates often creep up once you hit 65, with a bit of research, you can keep your rates low. Here’s a list of the cheapest car insurance companies available to retirees in Pennsylvania.

While Metromile is a relatively new provider, their innovative insurance model allows drivers to pay by how much they drive. And with policies starting at just $68 per month, this is a great option for retirees who don’t drive as much as they once did. Liberty Mutual ($71/mo) comes in at a close second, followed by Clearcover ($73/mo). Rates jump more substantially with Direct Auto at $84/mo and Plymouth Rock at $102/mo.

Most Affordable Car Insurance for Married Pennsylvanians

If you’re married, you can look forward to great rates on your auto insurance. Check out these 8 affordable options that can get you and your spouse the coverage you need without breaking the bank.

With so many companies to choose from, you can’t go wrong with any of these options.

Those looking for the cheapest rate possible should certainly consider Clearcover at $68/mo. Good2Go is the next most affordable option at $79/mo, followed by Liberty Mutual ($81/mo), Answer Financial ($84/mo), Metromile ($85/mo) and Safe Auto ($89/mo).

Rates jump more significantly with the last two insurance companies on our list. Plymouth Rock averages $101/mo and Verti averages $109/mo.

Cheapest Car Insurance for People with Bad Driving Records in PA

Typically, if you have a history of car accidents or traffic violations you’ll see an increase in your monthly insurance premiums. Here’s a list of some companies that can offer you liability coverage at an affordable rate—even with a few hiccups on your record.

Overall these are fantastic options for Pennsylvania drivers who might not have the best driving record. These are all very reputable companies that offer their drivers maximum coverage ranging from Answer Financial at $74/mo to Safe Auto at $112 per month.

Top 5 Cheapest Companies for Drivers with 1 Ticket

Just because you’ve recently been hit with a traffic violation doesn’t mean you need to overpay for your auto insurance. Here are the 5 cheapest companies for Pennsylvania drivers with just a ticket on their record.

Starting at just $79 per month, Clearcover is once again the cheapest insurance option in this category. The other companies on this list have rates that are similar in comparison. Rates top out with Metromile at $93/mo.

Top 5 Cheapest Companies for Drivers with Multiple Tickets

If you’ve had more than one ticket, you might be thinking there’s no way you’ll be able to find an affordable insurance provider. However, that’s not true. There are plenty of cheaper options available regardless of how many tickets you have on your record.

Here’s a list of the 5 cheapest options available to drivers with multiple tickets.

Whether you’re looking for good coverage for just $82 per month, or you’re willing to extend your budget to $105 per month, you can’t go wrong with any of these companies. Those looking for decent coverage at the lowest possible price could look into Good2Go. If you need a policy that’s a little more comprehensive, then Liberty Mutual could be your best bet.

Top 5 Cheapest Companies for Drivers with 1 Accident

If you have an accident on your driving record you can still find affordable rates for auto insurance in Pennsylvania. Here’s a list of the companies that offer auto insurance at the cheapest rates even if you’ve been in an accident.

Once again, Clearcover ($93/mo) comes in with the lowest rates available to Pennsylvania drivers looking for affordable coverage. Those with one accident on their record could also consider any of the other companies listed.

Top 5 Cheapest Companies for Drivers with Multiple Accidents

If you have a history of multiple recent accidents, you might think there’s no way to save on auto insurance, however, we’ve found the cheapest companies that can offer you affordable coverage without having to overspend. Here are the cheapest car insurance companies for drivers with multiple accidents in Pennsylvania.

Overall Good2Go is the most affordable choice with premiums starting at just $89 per month. Rates increase steadily with the other companies on this list. Verti costs an additional $20/mo at $109/mo. Next is Plymouth Rock at $124/mo. Rates for the final 2 companies on the list are Safe Auto at $143/mo and Liberty Mutual at $159/mo.

Cheapest Pennsylvania State Minimum Coverage

Everyone in Pennsylvania is required to carry minimum coverage insurance. Here’s the list of auto insurance companies providing the cheapest state minimum coverage.

Safeco offers the most affordable auto insurance coverage at $42/mo. Next you see rates jump about $20/mo with Answer Financial ($61/mo), Clearcover ($62/mo), Metromile ($63/mo) and Liberty Mutual ($64/mo). Rates then slightly increase with Direct Auto ($70/mo), Good2Go ($72/mo), Plymouth Rock ($75/mo) and Verti ($78/mo). Auto insurance premiums are the highest with Safe Auto at $92/mo.

The Best Rates for Full Coverage in PA

If you’re looking for more comprehensive coverage to protect you in the event of an accident, we recommend full coverage car insurance. Here’s a list of the cheapest full coverage options available in Pennsylvania.

Direct Auto offers the most affordable rate for full coverage car insurance at just $118/mo. Plymouth Rock comes in next at $124/mo. The remaining options on this list of cheapest full coverage auto insurance are Verti ($138/mo), Clearcover ($142/mo), Liberty Mutual ($153/mo) and Metromile ($156/mo). The most expensive option is Safe Auto at $186/mo.

Cheapest Companies for Men vs. Women

Rates are typically slightly higher for men compared to women because men are more likely to engage in what’s considered reckless driving behavior. This difference in rates is more noticeable when you’re younger and becomes more nominal as you age. Regardless of gender, here are the cheapest auto insurance companies for both men and women in Pennsylvania.

Top 5 Cheapest Companies for Men in PA

Safeco offers the most affordable auto insurance rates at $77/mo. The remaining options on the list offer similar premiums with Safeco at $80/mo, Clearcover at $85/mo, Good2Go at $86/mo and Liberty Mutual at $90/mo. Any of these are great affordable options for men looking to save on their monthly premiums.

Top 5 Cheapest Companies for Women in PA

Answer Financial offers the cheapest auto insurance rates for women at $71/mo. As you can see the most affordable rate for women is $6/mo less than that for men. Rates then increase slightly with Safeco at $77/mo. The difference between the final 3 on the list is $10 with Clearcover at $87/mo, Good2Go at $92/mo and Liberty Mutual at $97/mo.

The Cheapest Cities in PA for Car Insurance

Now that we’ve broken down the cheapest auto insurance rates by category, we’d like to take this opportunity to list the cheapest rates available for each city in Pennsylvania. While this list doesn’t include every town in the state, it does include the major cities.

By clicking on the name of each city, you can find a comprehensive breakdown of all the factors that will determine your monthly premium. These links will provide you with the information you need regarding how things like your driving record, age, gender and vehicle make and model can factor into how much you pay for your car insurance in each city.

And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!

The Best Pennsylvania Car Insurance Companies in 2022

Now that we’ve gone over the most affordable options for car insurance in the great state of Pennsylvania, we’d like to take this opportunity to cover some of the the highest-rated companies that offer coverage in the state.

According to studies conducted by various online platforms including Marketwatch.com and Cars.com these are the best car insurance providers based on customer satisfaction scores and average rates.

Erie Insurance

Erie Insurance has an overall rating of 7.5 out of 10.

Their coverage rating is 8.0 and their cost rating is 9.0

One of their main draws is their signature Erie Rate Lock. This prevents premiums from increasing after a claim. Aside from this innovative policy feature, they also rank highly in customer satisfaction and offer broad standard coverage for all drivers. Their only drawback is they lack digital tools for their customers.

Nationwide Insurance

Nationwide Insurance has an overall rating of 8.2 out of 10.

Their coverage rating is 9.0 and their cost rating is 7.0.

Allstate

Allstate has an average customer and claims satisfaction score of 851 out of 1,000 making them #14 on the J.D. Power Pennsylvania Survey.

When you choose Allstate insurance, you can take advantage of tons of beneficial programs like their Safe Driving Bonus Check program and their Deductible Rewards. The Allstate Milewise program is also available in Pennsylvania allowing you to pay based on how much you drive.

Progressive

Progressive Insurance has a customer and claims satisfaction score of 828 out of 1,000 making them come in #9 on the J.D. Power Pennsylvania Survey.

This reputable insurance company is known to deliver in the most important areas related to auto insurance including having a solid reputation, an expansive discount program, strong customer service, and reasonable pricing.

The Best Car Insurance Discounts in Pennsylvania

Consumers looking to save extra money on their premiums can do so through the many incentives insurance companies offer. Some considerations that can help you get discounted rates include your driving history, the car you own, and your relationship with your insurance company.

Discounts are commonly granted to those who combine multiple policies, showcase good driving habits, or have an affiliation with certain employers or educational institutions partnered with the insurance company.

The good news is Pennsylvania drivers of all experience levels and backgrounds can qualify for a wide range of savings. The major discounts offered by Pennsylvania insurers typically fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.

Pennsylvania Auto Insurance Requirements

If you drive in Pennsylvania, you will need:

• $15,000 in bodily injury liability per person and $30,000 per accident. If someone gets hurt in an accident, you’ll be legally liable for bodily injury liability, covering the costs of medical treatment and damages.
• $5,000 in property damage liability, which pays for damage to someone else’s property in an accident you’re responsible for.

$5,000 in first-party medical expense benefits. These benefits can pay medical bills for you and other people covered by the policy, no matter who’s responsible for the accident.

Penalties for Driving Without Insurance in PA

Driving without insurance in Pennsylvania can result in your registration and license being suspended for three months. You can avoid this by paying a $500 civil penalty plus a restoration fee. If caught by the police without proper insurance, you’ll be subject to a minimum $300 fine for driving without insurance.

With that said, it’s important to make sure you’re insured with the minimum coverage required to be a legal driver in the state.

Pennsylvania Auto Insurance FAQs

What car insurance is required in Pennsylvania? 

This is an important and common question. All Pennsylvanians will need up to $15,000 in bodily injury liability per person and $30,000 per accident. Pennsylvania drivers also need to carry a minimum of $5,000 in property damage liability. The final minimum coverage requirement is $5,000 in first-party medical expense benefits.

What happens if you drive without insurance in Pennsylvania?

Driving without insurance in Pennsylvania can result in your registration and license being suspended for three months along with paying a $300+ fee. You can avoid this by paying a $500 civil penalty plus a restoration fee.

Does Pennsylvania require full coverage car insurance?

Pennsylvania law requires all Pennsylvania motor vehicle owners to maintain vehicle liability insurance (financial responsibility) on a currently registered vehicle. Vehicle liability insurance covers the property damage or injuries you may cause others in an accident. As long as you have this minimum coverage, you’ll be compliant with Pennsylvania law.

Can you get car insurance without a license in Pennsylvania? 

Getting car insurance without a license in Pennsylvania can be challenging, but thankfully it’s not impossible.