+120 more*These quotes are from real Compare.com users Pennsylvania within the last 10 days. Updated on October 22, 2026
*These quotes are from real Compare.com users Pennsylvania within the last 10 days. Updated on October 22, 2026
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
){kind=small}
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
Updated
Plymouth Rock is the cheapest car insurance company in Pennsylvania, averaging $51 per month.
Pennsylvania car insurance rates average $91 per month for liability-only insurance and $163 per month for full coverage.
The overall average cost of car insurance in Pennsylvania is $127 per month.
Pennsylvania’s lower 15/30/5 minimum liability limits may help keep minimum-coverage rates affordable.
After comparing rates from 22 Pennsylvania insurers, our research shows that Plymouth Rock, State Farm, and Erie offer the cheapest auto insurance rates in the Keystone State.
The average cost of car insurance in Pennsylvania is less than the national average. Drivers pay about $91 per month for liability-only coverage and $163 per month for full coverage, compared with national averages of $101 and $185, respectively.
Pennsylvania has more than 200 insurance companies, giving drivers plenty of options. The state also reviews insurers’ requested rate increases, which have helped stabilize car insurance rates.[1]
Check out the table below for the cheapest car insurers in Pennsylvania by coverage type, according to Compare.com data.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Plymouth Rock | $51 | $134 |
| State Farm | $57 | $100 |
| Erie | $66 | $116 |
| National General | $66 | $150 |
| First Acceptance | $68 | $179 |
| Auto-Owners | $71 | $124 |
| Allstate | $76 | $145 |
| The General | $76 | $251 |
| Progressive | $81 | $176 |
| Travelers | $86 | $150 |
| GEICO | $90 | $158 |
| Safeco | $93 | $150 |
| Direct Auto | $94 | $192 |
| Bristol West | $107 | $203 |
| USAA | $117 | $203 |
| Root | $125 | $211 |
| Dairyland | $132 | $334 |
| Chubb | $135 | $235 |
| Liberty Mutual | $145 | $174 |
| GAINSCO | $149 | $286 |
| State Auto | $157 | $273 |
| CSAA | $190 | $293 |
Compare quotes and get the coverage you need at the best price.
Car insurance costs vary, sometimes significantly, across Pennsylvania cities. For example, State College has some of the cheapest rates, at $71 per month for liability-only and $119 for full coverage. Philadelphia rates are more than twice as high, at $166 and $283, making it among the most expensive.
Philly is about 34% denser than State College, with about 12,000 people per square mile compared to 8,900. Its average commute is also more than twice as long — 31.7 vs. 15.5 minutes.[2] Philadelphia also recorded about 7,100 crashes in 2025, compared with 177 in State College, a difference that can contribute to higher insurance rates.[3]
Check out the table below to see average car insurance rates in Pennsylvania cities by coverage type, according to Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| State College | $71 | $119 |
| Hanover | $74 | $125 |
| Pottsville | $80 | $144 |
| Altoona | $81 | $135 |
| Lancaster | $81 | $140 |
| Bethlehem | $84 | $144 |
| Harrisburg | $87 | $161 |
| Phoenixville | $87 | $163 |
| Erie | $88 | $151 |
| Pittsburgh | $88 | $160 |
| York | $88 | $148 |
| Chambersburg | $91 | $143 |
| Scranton | $95 | $166 |
| Reading | $101 | $172 |
| Wilkes-Barre | $101 | $141 |
| Allentown | $112 | $195 |
| Bristol | $116 | $189 |
| Chester | $156 | $238 |
| Philadelphia | $166 | $283 |
Check out the following noteworthy trends among Pennsylvania drivers, based on Compare.com data.
Drivers have more at-fault car accidents than tickets. Around 4% of drivers in the Commonwealth have an at-fault accident on their driving record, while only 3% have a speeding ticket.
Pennsylvania drivers have more DUIs. About 0.8% of Pennsylvania drivers have a DUI, higher than in neighboring Delaware, Maryland, New Jersey, and West Virginia.
Most Pennsylvania drivers own their vehicles. Around 65% own their vehicles, while 32% finance and 3% lease. Financing and leasing companies typically require full coverage.
Almost 10% of Pennsylvania drivers own multiple vehicles. If you own more than one car, you may qualify for a multi-car discount, which can lower your car insurance costs.
Rate trends over the last five years. Like most drivers nationwide, Pennsylvanians saw higher rates from 2022 to 2024. But rates began stabilizing in 2025, with the Pennsylvania Insurance Department (PID)’s approved filings averaging a 0.2% decrease, and a further 0.5% average decrease so far in 2026.
Insurance companies consider many factors when setting rates, including your driving record, location, and age, and each company weighs them differently. That’s why rates can vary across insurers for the same driver and coverage type.
Comparing quotes from multiple Pennsylvania companies is the best way to find the lowest price for your profile and coverage needs.
Check out the table below for average rates, customer reviews, and other key factors for Pennsylvania insurers.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $215/mo* | Average Premium $129/mo* | Average Premium $91/mo* | Average Premium $124/mo* | Average Premium $164/mo* |
Overall Rating N/A | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value N/A | Value | Value | Value | Value |
Customer Service N/A | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling N/A | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 0 user reviews | Special Highlight N/AAI-generated from 1100 user reviews | Special Highlight N/AAI-generated from 27 user reviews | Special Highlight N/AAI-generated from 885 user reviews | Special Highlight N/AAI-generated from 39 user reviews |
With so many insurers in Pennsylvania, it can be hard to know where to start. The following companies are our top picks for the best car insurance in Pennsylvania, based on average rates, compiled user reviews, and Compare.com Ratings.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.0 | 2.9 |
Erie Insurance is headquartered in Erie, PA. It ranks highest in J.D. Power’s Mid-Atlantic region for customer satisfaction and highest nationally for claims satisfaction. That makes Erie a great fit for Pennsylvania drivers who want a Pennsylvania-based insurer that prioritizes customer experience.
The insurer also offers several ways to customize your policy, including coverages for pet injury, personal items, and uninsured motorists. Its optional Erie Auto Plus package lets you bundle additional protections into a single policy add-on.
Extra protections with Erie Auto Plus
Affordable young driver rates in Pennsylvania
Only 24 agents in Pennsylvania
Other Pennsylvania insurers may offer cheaper rates
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is Pennsylvania’s largest auto insurer.[4] It also offers some of the cheapest car insurance in the state. That’s especially good news for teen drivers and high-risk drivers, who typically pay higher rates than others.
You may be able to save even more with discounts for safe driving, accident-free drivers, good students, and participating in the insurer’s Drive Safe & Save program.
Cheap Pennsylvania rates
Large Pennsylvania network
Three accident-free years required for discount
Requires driver training for assigned drivers under 21
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $124/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.9 | 2.9 |
Pennsylvania drivers looking for customizable full coverage have several options from Auto-Owners. The insurer offers optional coverages such as rental car, diminished value, and gap insurance. You may also qualify for accident forgiveness and a collision deductible waiver that applies if you get into a car accident with another Auto-Owners customer.
Affordable full-coverage rates
Accident forgiveness for qualifying Pennsylvania drivers
May not be the cheapest Pennsylvania insurer for full coverage
Quotes available only through agents
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Pennsylvania drivers. We researched, analyzed, and weighed several categories important to Pennsylvania insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Pennsylvania drivers find the best auto insurance policy for their unique needs.
Just like nearly every state, Pennsylvania law requires drivers to have liability insurance. Here are the minimum required amounts:[5]
Bodily injury liability: $15,000 per person, $30,000 per accident
Property damage liability: $5,000 per accident
Medical benefits: $5,000 per accident
Pennsylvania drivers can choose between full and limited tort coverage, with full tort applying if you don’t specifically choose limited tort. You can usually save a significant amount with limited tort. But this choice will affect what you can sue the at-fault driver for.
If you get injured, you can still sue the at-fault driver for your medical expenses, but generally not for damages like pain and suffering unless an exception under state law applies.
Expert’s insight
“You’ll save on your car insurance premiums by choosing limited tort, but price shouldn’t be the only thing you consider. Think about what you’d want your options to be after a serious accident. Full tort may cost more, but the added legal protection can be worth it.”
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Driving uninsured is illegal in Pennsylvania. You could face a $300 fine, a three-month suspension of your license and vehicle registration, and $213 in fees to restore both.
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Many factors affect what you pay for auto insurance in Pennsylvania. Here are some of the most influential:
Driving record: Pennsylvania drivers pay around 13% more after a speeding ticket, 23% more after an at-fault accident, and 61% more after a DUI, according to Compare.com data.
Location: Where you park your vehicle matters in Pennsylvania. Allegheny, Montgomery, and Philadelphia counties have the most reported crashes in the Quaker State, according to the Pennsylvania Department of Transportation (PennDOT). Drivers living in areas with frequent claims usually pay more.
Vehicle: Insurers consider your vehicle’s age, type, and safety features when determining your premium, according to the PID. Light trucks, vans, and SUVs account for nearly 70% of crashes in 2025, according to PennDOT. Insurers often charge more to cover vehicles that cost more to repair, are frequently involved in accidents, or are commonly stolen.
Credit history: Some insurers use your credit history when setting rates, according to the PID. The Pennsylvania average credit score is 720.[6] Improving your credit from poor to average could lower your insurance costs by about 16%, according to Compare.com data.
Get quotes from top insurers in the Keystone State and save money in minutes.
These tips can help you find the most affordable car insurance in Pennsylvania:
Drive a safe vehicle. Vehicles with more safety features typically have fewer and less costly claims, which can make them cheaper to insure. Pennsylvania’s most common vehicles, the Honda Civic and Honda Accord, consistently get high safety ratings.
Compare multiple quotes. Car insurance costs can vary significantly by company. For example, our data shows Allstate and Travelers tend to offer lower average rates than USAA in Pennsylvania.
Complete a defensive driving course. Pennsylvania insurers must offer at least a 5% car insurance discount to drivers 55 and older who complete a state-approved course.
Track your annual mileage. You may qualify for lower rates or a low-mileage discount if you drive less than Pennsylvania’s average of 8,992 miles per year.
These Pennsylvania car insurance resources can help you understand insurance rules, resolve disputes, and find information about driving and coverage.
Pennsylvania Insurance Department: Get help with insurance questions, file a complaint against an insurer or agent, research licensed insurance companies and agents, and learn about Pennsylvania insurance laws and consumer protections.
PennDOT Driver and Vehicle Services: Find information about Pennsylvania’s auto insurance requirements, proof of insurance, coverage lapses, registration and license suspensions, vehicle registration, and other driver services.
Pennsylvania Office of Attorney General: Find consumer protection resources and report scams, fraud, and other consumer complaints.
Pennsylvania General Assembly: Find and review current Pennsylvania laws and legislation, including state laws governing auto insurance.
Below are answers to common questions about Pennsylvania car insurance that can help you find the most affordable coverage.
Plymouth Rock offers the cheapest car insurance in Pennsylvania, averaging $51 per month, according to Compare.com data. The lowest price depends on factors like your age, driving record, vehicle, and ZIP code.
It depends on the coverage you choose. Progressive has cheaper liability rates, at $81 per month, compared to GEICO’s $90 per month. But GEICO has cheaper full-coverage rates, at $158 per month compared to Progressive’s $176 per month.
Compare quotes from multiple insurers, maintain a clean driving record, and ask about discounts. Improving your credit score may also help. Drivers with poor credit pay about 37% more than drivers with excellent credit, according to Compare.com data.
State Farm has the cheapest full-coverage rates in Pennsylvania, averaging $100 per month, according to Compare.com data. Erie and Auto-Owners are the state’s next cheapest for full-coverage car insurance.
No single Pennsylvania insurance company is universally bad. Comparing insurers can help you evaluate each company’s complaint history, customer satisfaction, coverage options, and rates to find the right fit for your needs. The Pennsylvania Insurance Department (PID) offers tools to help you research insurers and file complaints.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
