Car Insurance in Pennsylvania

From Philly to Pittsburgh, here's your guide to finding the most affordable coverage in Pennsylvania. 

By Editorial Team, Car Insurance Land | Updated 2021

Here's the scoop on Pennsylvania auto insurance

Pennsylvania is the 5th largest state with 13 million residents spanning the American history of Philadelphia, to steel mills of Pittsburgh, capital city of Harrisburg, Pocono mountains, Lake Erie, to State College and the Nittany Lions. Each person is unique and so is the geography (and the drivers around you). 

 

Learning about the right coverage for you and shopping for multiple quotes is the best approach to protect yourself and save. We researched many companies to help guide you in your shopping process. We researched the marketplace comparing rates for a 30yr old male driving a 2020 Honda CRV (a top vehicle in Pennsylvania) driving 10,000 miles per year. Here is what you need to know to get started.

Best Auto Insurance Companies in Pennsylvania

 

Progressive is the cheapest across all categories we researched and we recommend getting a quote with them. They are the 3rd largest auto insurer in Pennsylvania and growing rapidly, they will likely be the second largest once updated. 

 

Other top insurers in the state are listed below. GEICO is also growing very rapidly due to their easy online quote process and competitive rates. Erie sells primarily through agents and is worth considering getting a quote with, they have very high customer satisfaction scores and have been a leader in the Pennsylvania insurance market for decades.

The Top 10 Largest Car Insurance Companies in Pennsylvania

Rank
Insurer
Premiums Written (in $ mil.)

State Farm

Erie

Progressive

Allstate

Geico

Nationwide

Liberty Mutual

USAA

Travelers

Farmers

1
2
3
4
5
6
7
8
9
10

  $1,712.8 

  $1,241.8 

  $1,056.4 

  $1,034.8 

  $810.9 

  $681.5 

  $470.2 

  $336.6 

  $320.8 

  $208.1 

Full Coverage - Progressive is cheapest, providing great value and savings

 

Full coverage is the most popular coverage as it protects both you and your vehicle. We sampled top insurance companies both big and small with the most common liability limits of 50,000/100,000/50,000 and $1000 deductibles for both comprehensive and collision.

 

We found that Progressive offers the cheapest car insurance. GEICO and Nationwide also offer competitive rates and are good insurers to get a personalized quote with. While Liberty Mutual and Travelers are least competitive and might not be on your short list of companies. 

 

Given their competitive rates of Progressive and GEICO, it is no surprise that they are also the fastest growing companies in Pennsylvania. Many of your neighbors have been switching to them and saving.

Best Pennsylvania Full Coverage Car Insurance

Rank
Insurer
6-Month Premium

Progressive

Nationwide

Geico

Metlife

Travelers

Liberty Mutual

1
2
3
4
5
6

$180

$384

$396

$474

$492

$594

Liability only coverage can save you around 40% versus full coverage.

 

The savings are similar across companies so using the above list of top insurers is a good starting point to save. Progressive is expected to be cheapest for your individual situation. 

 

Depending on your vehicle value, you may choose liability only coverage (meaning not electing comprehensive and collision insurance. If your vehicle is leased or financed, you will be required to have full coverage. 

 

Progressive is also cheapest for drivers with accidents.

 

Accidents happen, about 10% of drivers have an accident each year and your premium can be impacted. Our analysis shows an accident can raise your full coverage premium by several hundred dollars, making shopping for the cheapest insurance very important. 

 

We found a wide range of premiums with Progressive being the cheapest by $200 every six months.

Best Pennsylvania Full Coverage Car Insurance If You Have Accidents

Rank
Insurer
6-Month Premium

Progressive

Travelers

Geico

Liberty Mutual

State Auto

1
2
3
4
5

$246

$492

$576

$696

$1,128

Progressive also offers the cheapest insurance if you have a violation like a speeding ticket. 

 

Many of us have had a speeding ticket or another violation at one point. The increase to your premium likely won’t be as severe as an accident, but will still be costly. 

 

Progressive offers the best rates if you have a violation while many insurers are much more expensive. Having Progressive at the top of your quoting list is a potential way to save money while protecting your assets. It is important to shop around and then make sure to get a new quote once the violation is three years old and insurers no longer surcharge for the violation(s).

Best Pennsylvania Full Coverage Car Insurance If You Have Violations

Rank
Insurer
6-Month Premium

Progressive

Geico

Nationwide

Liberty Mutual

State Auto

1
2
3
4
5

$204

$414

$456

$624

$702

Progessive is cheapest for teenagers, allowing you to save over $1000 per year versus other top insurers.

 

Insurance for teenagers can be very expensive as they aren’t always the safest drivers. Progressive provides the best savings, saving you over $700 per 6 months versus other insurers.

Best Pennsylvania Full Coverage Car Insurance for Teenagers

Rank
Insurer
6-Month Premium

Progressive

Liberty Mutual

Plymouth Rock

Geico

1
2
3
4

$654

$1,320

$1,584

$1,764

What you'll need to get a car insurance quote and purchase a policy in Pennsylvania?

Before you start looking for vehicle insurance, you'll need a few pieces of information in order to receive an accurate quotation, such as the:

  •  Make, model, and year of your vehicle 

  • Your driving record: Giving an honest account of any fines or accidents you've had can improve the accuracy of your quotation.

  • The mileage of your vehicle: Some insurers will want information to obtain an idea of how frequently you drive.

 

Learn more about the quoting process here.

How to Compare Automobile Insurance Rates in Pennsylvania

Getting a few quotes from different providers and comparing rates and coverages is the best method to shop for auto insurance. Keep these four things in mind as you go:

 

  • ​Deductible - The greater your deductible, the cheaper your rate. However, be sure your deductible isn't so high that you can't afford to pay for repairs before your insurance kicks in. For comprehensive, collision, and gap coverages, you'll usually have to pay a deductible.

 

  • Types of coverage - A liability-only insurance will save you money, but it may not meet your needs. Your lender will need comprehensive and collision coverage if you lease or loan your vehicle. Some lenders may even need more liability coverage than the state minimum. Even if your automobile is paid off, if it is new, you should consider comprehensive and collision coverage to avoid paying an exorbitant repair cost yourself. Learn more about popular vehicle insurance policies.

 

  • Coverage limitations - This is the maximum amount your insurance will pay for physical injury or property damage. Selecting your state's minimal liability coverage will lower your rate, but it may not be enough to pay the amount owed to the injured person. To obtain a sense of how high you should set your limits, use a coverage calculator.

 

  • Premium - This is your bottom line – the precise cost of your insurance each payment cycle (options for payment frequency will vary). If you already know the coverages and deductibles you want, make sure each quotation includes them so you can compare apples to apples. If not, you may alter each quotation to observe how your pricing changes as more coverage is added.