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Get Cheap Car Insurance in Pennsylvania
We monitor insurance prices, helping the average driver in Pennsylvania save up to 35.9% on car insurance.
The Cheapest Minimum Coverage in Pennsylvania
The chart below shows the cheapest car insurance company in Pennsylvania for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Metromile, Travelers, and State Farm.
| Pennsylvania Insurer | Monthly Cost |
|---|---|
| Kemper | $50 |
| Metromile | $50 |
| Travelers | $51 |
| State Farm | $53 |
Savings for Every Kind of Pennsylvania Driver
Based on our extensive insurance data, we know the average Pennsylvania driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $381 per year by choosing the right vehicle insurance company. Some Pennsylvania residents are paying out over $1,357 extra every year for auto insurance in Pennsylvania. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pennsylvania Savings / Yr. |
|---|---|
$381 |
|
$674 |
|
$515 |
|
$614 |
|
$1,572 |
|
$272 |
|
$486 |
Pennsylvania Car Insurance vs. the United States
People living in Pennsylvania pay an average of 4.83% less than the typical driver in the nation. The average driver in Pennsylvania can expect to pay about $841 per year, or $1,357 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Pennsylvania for most people.
Car Insurance Prices by Pennsylvania Neighborhood
Insurance Prices
Where is insurance cheapest within Pennsylvania?
The map shows insurance prices in and around Pennsylvania, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $929 per year within the state boundaries, with insurance premiums ranging from a high of $2,094 to a low of $1,165. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the South parts of Pennsylvania.Pick the Best Car Insurance Company for You in Pennsylvania
The best car insurance provider for most drivers in Pennsylvania
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $381 over the average Pennsylvania car insurance company.
The best car insurance provider for Pennsylvania drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $674 over the competition.
The best car insurance company for Pennsylvania drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $515 better than other car insurance companies.
The best auto insurance for Pennsylvania drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $614 less each year.
The least expensive car insurance company for new and young drivers in Pennsylvania
In Pennsylvania, Travelers costs young drivers $1,572 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pennsylvania
State Farm gave the largest car insurance discounts to married couples, averaging $272 saved each year compared to an average Pennsylvania couple's premiums.
The cheapest car insurance in Pennsylvania for drivers with bad credit
The best Pennsylvania car insurance company for customer service
Nationwide was the best company for customer service in Pennsylvania according to the NAIC.
Recent price drops
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The cheapest large national provider in Pennsylvania
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Pennsylvania driver can expect to pay about $86 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Pennsylvania, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with accidents, and married couples.Auto Insurance Prices in and Around Pennsylvania
What Influences the Cost of Car Insurance in Pennsylvania?
On average, car insurance in Pennsylvania is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Pennsylvania is 34 minutes, which is a little more than average for a driver in the nation.
- Pennsylvania state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Pennsylvania are lower than average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Pennsylvania has an average population density in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Pennsylvania is $70 per month for minimum coverage and $113 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Maryland: Insurance costs 68.83% more
- District of Columbia: Insurance costs 84.30% more
- Delaware: Insurance costs 70.15% more
- New Jersey: Insurance costs 62.20% more
- New York: Insurance costs 189.17% more
- Virginia: Insurance costs 27.41% less
- West Virginia: Insurance costs 13.93% more
- Connecticut: Insurance costs 84.16% more
- Ohio: Insurance costs 37.88% less
- Rhode Island: Insurance costs 143.92% more
States with Similar Populations
- Tennessee: Insurance costs 6.48% less
- Maryland: Insurance costs 68.83% more
- Massachusetts: Insurance costs 18.64% more
- Michigan: Insurance costs 313.34% more
- Minnesota: Insurance costs 26.82% more
- Mississippi: Insurance costs 43.48% more
- Ohio: Insurance costs 37.88% less
- Oklahoma: Insurance costs 49.59% more
- South Carolina: Insurance costs 30.51% more
- South Dakota: Insurance costs 33.90% more