Best Car Insurance in Pennsylvania for 2024

Travelers is the best car insurance company in Pennsylvania overall, according to NerdWallet’s 2024 analysis.

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Updated · 1 min read
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Written by Drew Gula
Lead Writer
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Edited by Ben Moore
Assistant Assigning Editor
Fact Checked

After thoroughly evaluating 27 insurance companies in Pennsylvania, NerdWallet’s editorial team has put together a list of the best car insurance companies. We based our ratings on important factors like coverage and discount options, affordability, customer satisfaction and financial strength ratings.

Here are the best car insurance companies in Pennsylvania:

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The best car insurance companies in Pennsylvania

Here’s our list of the best auto insurance companies in Pennsylvania for different categories, plus what makes them the best.

Best overall
insurance-product-card-logo

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best overall

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Why it's the best:

Travelers had the highest overall score in our car insurance analysis for Pennsylvania drivers, out of 27 eligible companies. Our star ratings focus primarily on factors that affect a customer’s experience with the insurer.

One of the largest auto insurers in the nation, Travelers provides a wide range of coverage types including gap insurance and premier new car replacement, which pays to replace your new car if it's totaled within the first five years. This insurer also offers a large set of discounts that reward electronic payments, safe driving and more.

Read our Travelers auto insurance review to see why it comes out on top among Pennsylvania car insurance companies.

Best budget pick
insurance-product-card-logo

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best budget pick

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Full coverage cost per year, on average

$1,007

Full coverage cost per month, on average

$84

Minimum coverage cost per month, on average

$20

Why it’s the best

Out of the 27 Pennsylvania auto insurance companies that we evaluated, Travelers provides the best car insurance in Pennsylvania for your budget based on NerdWallet's September 2024 analysis. Full coverage from Travelers costs an average of $1,007 a year, or $84 a month, according to our analysis. But it’s likely your rate will be different.

You can find out other details about this insurer in our Travelers auto insurance review.

🤓Nerdy Tip

We don’t have data for every single company that offers coverage to Pennsylvania drivers, so compare car insurance rates from several companies to find which one is the cheapest for you.

Check out NerdWallet’s analysis of cheap car insurance in Pennsylvania for a more detailed breakdown of the most affordable insurers in your state.

Best for customer satisfaction
insurance-product-card-logo

NJM

4.5

NerdWallet rating 
NJM boasts high customer satisfaction and low complaints, but it is available in only five states.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected
Best for customer satisfaction

NJM

4.5

NerdWallet rating 
NJM boasts high customer satisfaction and low complaints, but it is available in only five states.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected

Why it’s the best

NJM is the best car insurance company in Pennsylvania in terms of customer satisfaction. It has the fewest customer complaints to state insurance regulators for a company of its size out of all of NerdWallet’s 5 star-rated insurers in Pennsylvania.

You can learn more about how NJM insurance works in our NJM insurance review.

Best for ease of use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best for ease of use

State Farm

5.0

NerdWallet rating 
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Why it’s the best

State Farm is the best car insurance company in Pennsylvania in terms of how easy it is to use and navigate both the company website and mobile app. Drivers can view their policy and submit claims online, and the State Farm mobile app has high user ratings for iOS and Android devices.

Read our State Farm auto insurance review to learn more about how this insurer provides the best customer experience among Pennsylvania car insurance companies.

Full list of the best car insurance companies in Pennsylvania

If you’re looking for even more options, NerdWallet analyzed 27 car insurers to find which companies offer the best car insurance in Pennsylvania. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

Acuity

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is only available to military, veterans and their families.

How to get the best car insurance in Pennsylvania

Still not sure which company to go with? Try these tips:

  • Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.

  • Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.

  • Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.

  • Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.

Tips to find the best car insurance in PA

Hand with blue calculator.
Assess your needs.Evaluate your needs and preferences before deciding on a car insurance company. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another person prefers affordability and a great mobile app.
Couple of hands typing on a laptop.
Do your research.While the companies on this page represent solid choices, you may want to explore other options. You can also check out our full list of auto insurance reviews to find more insurers with financial stability, few customer complaints and coverage options at a competitive price.
Storefront with a door and window.
Consider smaller insurers.Small, regional insurance companies may provide better prices than the big companies you see advertised on TV. However, you may want to recruit the help of a local independent car insurance agent to find small insurers that still meet your insurance needs.
Green shopping card over cellphone.
Shop around regularly.Make a practice of shopping for car insurance quotes about once a year, and compare quotes from at least three insurers. Insurance companies adjust rates regularly, so a company that gave you the best rate last year might not be a bargain this year.

How we found the best car insurance in Pennsylvania

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Pennsylvania. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Methodology

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

Here’s how we evaluated each car insurance company in 2024 and the weights we placed on each category:

  • Financial strength (30%).

  • Consumer complaints (30%).

  • Ease of use (20%).

  • Affordability (20%).

The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are median rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a DUI, we added a single drunken-driving violation.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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