Best and Cheapest Car Insurance in Pennsylvania as Rated by Customers in 2022

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#1
/57
USAA
4.72 ★★★★★
4.72 ★★★★★
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Excellent
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#2
/57
4.68 ★★★★★
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#3
/57
4.55 ★★★★★
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It can be challenging to figure out which Pennsylvania car insurance company is the best option for you, especially considering the industry is so vast. To help you decide which Pennsylvania insurer would best suit you, read insurance company reviews from other customers like you.

Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Pennsylvania.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Pennsylvania car insurance companies.

In the table above, you can sort through all the Pennsylvania car insurance companies ranked on Clearsurance. The rating next to each auto insurance company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Pennsylvania car insurance rankings.

Interested in learning more about one of these Pennsylvania car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any insurance discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the best teen car insurance rates in Pennsylvania?

Teenage drivers have it sort of rough. They don't have much in the way of driving practice, so even if they have a clean driving record, a company could see them as a bit of a risk on the road. Which means they'll see higher rates.

Erie Insurance Group is the cheapest car insurance option for both male and female teen drivers in Pennsylvania on average when compared to the most popular auto insurers in the state.

Company Female teen ratesMale teen rates
Allstate Insurance $2,216 $2,216
Erie Insurance Group $836 $836
Nationwide $1,484 $1,484
Progressive $1,989 $1,989
State Farm Insurance Company $1,017 $1,017

*These rates are based on profiles for 18-year-old male and female drivers in Pennsylvania. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Pennsylvania will differ.

Rate data is provided byQuadrant Information Services.*

Who offers the best car insurance rates for a married couple in Pennsylvania?

A bit further in the article we go over a few factors that an insurer may review when calculating your coverage rates, but your marital status can be one of them. It doesn't mean you have to split the coverage per person — you each get your own coverage.

It's just a nice way to save money on the overall cost. Erie Insurance Group offers the cheapest car insurance rates for married couples in Pennsylvania on average.

Company Married couple rates
Allstate Insurance $1,559
Erie Insurance Group $1,201
Nationwide $1,360
Progressive $1,778
State Farm Insurance Company $1,749

*These auto insurance rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score.

The rates displayed should only be used for comparative purposes as individual rates in Pennsylvania will differ.

Rate data is provided by Quadrant Information Services.

Who offers the best senior car insurance rates in Pennsylvania?

Nationwide provides the cheapest car insurance rates for male and female senior drivers on average in Pennsylvania out of the five largest auto insurers in the state.

Company Female senior ratesMale senior rates
Allstate Insurance $1,195 $1,195
Erie Insurance Group $819 $819
Nationwide $784 $784
Progressive $1,143 $1,143
State Farm Insurance Company $807 $807

*These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Pennsylvania will differ.

Rate data is provided by Quadrant Information Services.

Where are the 10 cheapest areas in Pennsylvania for car insurance?

When looking at the average car insurance rates in areas of Pennsylvania, the cheapest area for car insurance is the State College area around Penn State University. Car insurance rates in Pennsylvania vary by area of the state. In the table below, you can see the top 10 cheapest areas in Pennsylvania for car insurance based on average rates for single adults.

Area Car insurance rates
State College $970
Mingoville $976
Bellefonte $977
Milesburg $980
Walnut Bottom $980
Blanchard $981
White Deer $981
University Park $982
Julian $983
Paxtonville $984

*These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score.

The rates displayed should only be used for comparative purposes as individual rates in Pennsylvania will differ.

Rate data is provided by Quadrant Information Services.

What are the 10 most expensive areas in Pennsylvania for car insurance?

Some areas of Pennsylvania are more expensive than others. Philadelphia is the most expensive area in the state for car insurance. But with a little researcy, you can find the cheapest car insurance Philadelphia has available.

Coverage costs may vary by area based on any number of factors. Crime rates, commute time, and the amount of drivers on the road are a few examples.

The table below displays the top 10 most expensive areas in Pennsylvania for car insurance based on average rates for a single adult.

Area Car insurance rates
Philadelphia $2,083
Lansdowne $1,866
Upper Darby $1,835
Sharon Hill $1,827
Darby $1,825
Cheltenham $1,675
Chester $1,672
Folcroft $1,642
Bryn Athyn $1,637
Huntingdon Valley $1,607

*These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Pennsylvania will differ.

Rate data is provided by Quadrant Information Services.

Are there minimum car insurance coverage requirements and limits in Pennsylvania?

Pennsylvania is one of 12 states with no-fault insurance, but its insurance laws differ slightly from other no-fault states. Many no-fault states restrict the driver’s ability to sue the at-fault party in an accident, but Pennsylvania does not. Instead, it allows drivers to choose a policy that gives them the right to sue under traditional liability law.

When selecting your policy, you’ll have two tort options: limited tort and full tort. If you select limited tort, you’ll have a cheaper premium, but you forgo your right to sue for pain and suffering. That means you won’t be able to recover costs to pay for things like lost wages or mental anguish. You still retain the right to sue for medical costs, though. If you select full tort, you have unrestricted rights to sue the other driver who is at fault in an accident.

Pennsylvania drivers are required to obtain medical benefits, which will cover your medical costs after an accident, regardless of fault. While the minimum in the state is $5,000, it’s certainly worth purchasing a higher limit to ensure you have enough coverage after an accident.

Despite the fact that it is a no-fault state, Pennsylvania still requires drivers to obtain liability insurance. This offers you protection in the event you cause an accident and injure another person or cause damage to someone else’s property.

Pennsylvania’s minimum requirements are listed below. You can read more auto insurance coverages, including optional coverage such as <a href="blog/what-is-collision-insurance-coverage" target="_blank">collision insurance</a> and <a href="blog/what-is-comprehensive-insurance" target="_blank">comprehensive insurance</a>, and what the limits mean <a href="blog/a-practical-guide-for-understanding-car-insurance" target="_blank">here</a>.

Pennsylvania state minimum requirements:

Liability:

  • Bodily injury — $15,000 per person
  • Bodily injury — $30,000 per accident
  • Property damage — $5,000 per accident

Medical benefits:

  • $5,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in an automobile accident. This is most commonly the other vehicle, but also includes things like a home or fence.

You can find competitive prices by comparing companies, but pay attention to what makes up a company. The cost estimate you're given may be inaccurate if you do it online or don't provide correct information. For accurate quotes, be as specific as possible with the details they ask for, which we go over below.

What is Pennsylvania’s uninsured motorist percentage?

Among the optional coverages available to Pennsylvania drivers is uninsured motorist coverage. This will provide you protection in the event that you or your passengers are injured by an uninsured driver or a hit-and-run driver. It is considered optional auto coverage, but you should consider including it within your policy.

Your medical benefits provides you coverage for these scenarios, too, but obtaining uninsured coverage would increase your protection. According to 2015 data from the <a href="https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists" target="_blank">Insurance Information Institute</a>, 7.6 percent of Pennsylvania drivers are uninsured. The reason why additional coverage exists is to protect you no matter what risk you may face on the road.

How are car insurance rates calculated in Pennsylvania?

When searching and comparing quotes from the best auto insurance companies in Pennsylvania, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you an insurance quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of auto insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident.

For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase in their cost of coverage.

How can you save money on your car insurance in Pennsylvania?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Pennsylvania car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your auto insurance policies with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

It never hurts to reach out to your current insurer after looking around to ask them if they could offer you cheaper rates. They may tell you about any deals they have going on, such as safe driver discounts, or a bundle on a certain coverage type. A safe driver discount could help you cut the cost of a full-coverage policy.

You should also be mindful of the financial strength of the company you're either already with or looking into purchasing coverage from.

Not only are customer reviews important, but you want them to have a stellar financial rating so they can back up your claims should you need to file them. Keep this in mind, that the cheapest companies aren't always the best fit.

How does Clearsurance rate and rank the best car insurance companies in Pennsylvania?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

Finally, there is also a confidence factor based upon the number of reviews a company has by product. If the total number of reviews is less than 100, then a confidence deduction is applied to the star rating. The maximum impact of this deduction occurs when there are less than 25 reviews.

Companies with 100 or more reviews, aged two years or less, receive 100% weighting (no deduction), while companies with 50 to 99 customer reviews receive a weighting of 95%, 25 to 49 reviews receive a weighting of 90% and companies with less than 25 reviews a weighting of 85%.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Is there a car insurance guide to be used as reference?

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? You want excellent coverage at affordable rates, and it begins with knowing what you need.

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Frequently Asked Questions

Who offers the best teen car insurance rates in Pennsylvania?

Erie Insurance Group is the cheapest car insurance option for both male and female teen drivers in Pennsylvania on average when compared to the most popular auto insurers in the state. A teen behind the wheel should not just be seen as a high-risk driver, they should also be looked at as a potential safe driver who will be capable of financial stability. Finding them the right coverage policy could be the first step. 

Who offers the best car insurance rates for a married couple in Pennsylvania?

Erie Insurance Group offers the cheapest car insurance rates for married drivers in Pennsylvania on average. Teaming up to get more affordable coverage certainly sounds like a good reason to mention your marital status to your insurer. 

Who offers the best senior car insurance rates in Pennsylvania?

Nationwide provides the cheapest car insurance rates for male and female senior drivers on average in Pennsylvania out of the five largest auto insurers in the state. Finding an auto policy no matter what your age generally begins with price, so it's always nice to know what the options are within the market.

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