Best Car Insurance in Pennsylvania for 2024

Travelers is the best car insurance company in Pennsylvania overall, according to NerdWallet’s 2024 analysis.
Drew Gula
By Drew Gula 
Updated
Edited by Ben Moore
Best car insurance in Pennsylvania for drivers

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Whether you live in the Philly metro area, the Rust Belt or on the shores of Lake Erie, you’re probably interested in finding the best car insurance in Pennsylvania. But every driver is different, and that means your insurance needs will be unique from other drivers, even if they live next door.

NerdWallet analyzed 26 insurance companies in Pennsylvania to help you find the best option for you. We split our top picks into four categories:

If you’d rather just see a full list of the best car insurance companies in Pennsylvania, you can jump to the bottom of the page.

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 analysis, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Best car insurance in Pennsylvania overall: Travelers

Travelers had the highest overall score in our car insurance analysis for Pennsylvania drivers, out of 26 eligible companies. These star ratings focus primarily on factors that affect a customer’s experience with the insurer.

Read our Travelers auto insurance review to see why it comes out on top.

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
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 Pennsylvania car insurance for your budget: Travelers

Depending on your driver profile, the best car insurance in Pennsylvania may not be the cheapest for you.

But it so happens that the cheapest top-rated company in Pennsylvania is also Travelers. Our analysis showed that the average rate for full coverage insurance from Travelers is $1,265 a year, or $105 a month for Pennsylvania drivers. Of course, your rate will be different. (You can read our methodology to see how we determine average rates.)

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 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
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 Pennsylvania car insurance for customer satisfaction: Auto-Owners

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

You can learn more about how Auto-Owners insurance works in our Auto-Owners insurance review.

Best for customer satisfaction
insurance-product-card-logo

Auto-Owners Insurance

5.0

NerdWallet rating 
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best for customer satisfaction
insurance-product-card-logo

Auto-Owners Insurance

5.0

NerdWallet rating 
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Best Pennsylvania car insurance for ease of use: State Farm

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.

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

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best for ease of use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Full list of the best car insurance companies in Pennsylvania

If you’re looking for even more options, NerdWallet analyzed 26 car insurers to find the best car insurance companies 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 

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 

4.5

NerdWallet rating 

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

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.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. 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” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average 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.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

  • 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.

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

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