Cheap Car Insurance in Pennsylvania for 2022

Geico offers the cheapest car insurance in Pennsylvania overall, with an average rate of $71 per month for full coverage.
Jun 8, 2022

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Auto insurance is an important purchase, but finding cheap car insurance in Pennsylvania isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Pennsylvania is $1,535 per year, or about $128 per month, according to NerdWallet’s analysis. Minimum coverage in Pennsylvania is $458 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Pennsylvania at $181 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

If you're looking for affordable options in the City of Brotherly Love, check out NerdWallet's guide to the cheapest car insurance in Philadelphia.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest car insurance company overall in Pennsylvania

$71/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$15/month

4.5

NerdWallet rating 

Cheapest for young drivers

$169/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$71/month

4.5

NerdWallet rating 
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How we chose the cheapest companies in Pennsylvania

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Pennsylvania and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Pennsylvania. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Pennsylvania for 20-year-olds

Drivers in Pennsylvania with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $2,031 per year, or about $169 per month.

  2. Erie: $2,305 per year, or about $192 per month.

  3. Nationwide: $2,560 per year, or about $213 per month.

  4. State Farm: $2,666 per year, or about $222 per month.

  5. Auto-Owners: $2,757 per year, or about $230 per month.

Cheapest minimum coverage car insurance in Pennsylvania for 20-year-olds

Drivers in Pennsylvania who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $473 per year, or about $39 per month.

  2. Erie: $604 per year, or about $50 per month.

  3. State Farm: $676 per year, or about $56 per month.

  4. Donegal: $701 per year, or about $58 per month.

  5. Auto-Owners: $734 per year, or about $61 per month.

Cheapest auto insurance in Pennsylvania for 20-year-olds with poor credit

Drivers with poor credit in Pennsylvania should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $642 per year, or about $54 per month.

  2. Donegal: $1,037 per year, or about $86 per month.

  3. Auto-Owners: $1,151 per year, or about $96 per month.

  4. Nationwide: $1,335 per year, or about $111 per month.

  5. State Farm: $1,466 per year, or about $122 per month.

Cheapest auto insurance in Pennsylvania for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Pennsylvania, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $674 per year, or about $56 per month.

  2. Erie: $778 per year, or about $65 per month.

  3. State Farm: $890 per year, or about $74 per month.

  4. Donegal: $928 per year, or about $77 per month.

  5. Encova: $1,135 per year, or about $95 per month.

Cheapest auto insurance in Pennsylvania for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Erie: $865 per year, or about $72 per month.

  2. Geico: $1,021 per year, or about $85 per month.

  3. Allstate: $1,048 per year, or about $87 per month.

  4. State Farm: $1,077 per year, or about $90 per month.

  5. Progressive: $1,139 per year, or about $95 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Pennsylvania for 30-year-olds

Drivers in Pennsylvania with clean driving records may get the lowest rates from these companies:

  1. Geico: $848 per year, or about $71 per month.

  2. Auto-Owners: $1,069 per year, or about $89 per month.

  3. Allstate: $1,076 per year, or about $90 per month.

  4. Erie: $1,089 per year, or about $91 per month.

  5. Nationwide: $1,190 per year, or about $99 per month.

Cheapest minimum coverage car insurance in Pennsylvania for 30-year-olds

Drivers in Pennsylvania who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $181 per year, or about $15 per month.

  2. Auto-Owners: $267 per year, or about $22 per month.

  3. Erie: $278 per year, or about $23 per month.

  4. State Farm: $307 per year, or about $26 per month.

  5. Allstate: $311 per year, or about $26 per month.

Cheapest auto insurance in Pennsylvania for 30-year-olds with poor credit

Drivers with poor credit in Pennsylvania should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,152 per year, or about $96 per month.

  2. Nationwide: $1,654 per year, or about $138 per month.

  3. Auto-Owners: $1,675 per year, or about $140 per month.

  4. Allstate: $1,889 per year, or about $157 per month.

  5. Donegal: $2,017 per year, or about $168 per month.

Cheapest auto insurance in Pennsylvania for 30-year-old drivers with one at-fault crash

For drivers in Pennsylvania with a recent accident, here are the lowest average rate options for full coverage:

  1. Erie: $1,390 per year, or about $116 per month.

  2. Allstate: $1,427 per year, or about $119 per month.

  3. Auto-Owners: $1,514 per year, or about $126 per month.

  4. State Farm: $1,566 per year, or about $130 per month.

  5. Geico: $1,729 per year, or about $144 per month.

Cheapest auto insurance in Pennsylvania for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Allstate: $1,076 per year, or about $90 per month.

  2. Erie: $1,636 per year, or about $136 per month.

  3. State Farm: $1,830 per year, or about $152 per month.

  4. Esurance: $1,883 per year, or about $157 per month.

  5. Progressive: $2,146 per year, or about $179 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Pennsylvania for 40-year-olds

Drivers in Pennsylvania with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $848 per year, or about $71 per month.

  2. Allstate: $983 per year, or about $82 per month.

  3. Erie: $1,042 per year, or about $87 per month.

  4. Auto-Owners: $1,047 per year, or about $87 per month.

  5. Nationwide: $1,119 per year, or about $93 per month.

Cheapest minimum coverage car insurance in Pennsylvania for 40-year-olds

Drivers in Pennsylvania who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $181 per year, or about $15 per month.

  2. Erie: $266 per year, or about $22 per month.

  3. Auto-Owners: $267 per year, or about $22 per month.

  4. Allstate: $295 per year, or about $25 per month.

  5. State Farm: $300 per year, or about $25 per month.

Cheapest auto insurance in Pennsylvania for 40-year-olds with poor credit

Drivers with poor credit in Pennsylvania can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,152 per year, or about $96 per month.

  2. Nationwide: $1,563 per year, or about $130 per month.

  3. Auto-Owners: $1,642 per year, or about $137 per month.

  4. Allstate: $1,735 per year, or about $145 per month.

  5. Donegal: $1,925 per year, or about $160 per month.

Cheapest auto insurance in Pennsylvania for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Pennsylvania, here are the companies with the lowest average rates for full coverage:

  1. Allstate: $1,306 per year, or about $109 per month.

  2. Erie: $1,328 per year, or about $111 per month.

  3. Auto-Owners: $1,491 per year, or about $124 per month.

  4. State Farm: $1,512 per year, or about $126 per month.

  5. Geico: $1,729 per year, or about $144 per month.

Cheapest auto insurance in Pennsylvania for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Allstate: $983 per year, or about $82 per month.

  2. Erie: $1,563 per year, or about $130 per month.

  3. State Farm: $1,771 per year, or about $148 per month.

  4. Esurance: $1,796 per year, or about $150 per month.

  5. Progressive: $1,967 per year, or about $164 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Pennsylvania for 50-year-olds

Drivers in Pennsylvania with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $813 per year, or about $68 per month.

  2. Allstate: $911 per year, or about $76 per month.

  3. Auto-Owners: $1,012 per year, or about $84 per month.

  4. Erie: $1,024 per year, or about $85 per month.

  5. Nationwide: $1,029 per year, or about $86 per month.

Cheapest minimum coverage car insurance in Pennsylvania for 50-year-olds

Drivers in Pennsylvania who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $175 per year, or about $15 per month.

  2. Auto-Owners: $259 per year, or about $22 per month.

  3. Erie: $262 per year, or about $22 per month.

  4. Allstate: $283 per year, or about $24 per month.

  5. State Farm: $293 per year, or about $24 per month.

Cheapest auto insurance in Pennsylvania for 50-year-olds with poor credit

Drivers with poor credit in Pennsylvania can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,104 per year, or about $92 per month.

  2. Nationwide: $1,441 per year, or about $120 per month.

  3. Auto-Owners: $1,587 per year, or about $132 per month.

  4. Allstate: $1,621 per year, or about $135 per month.

  5. Donegal: $1,828 per year, or about $152 per month.

Cheapest auto insurance in Pennsylvania for 50-year-old drivers with one at-fault crash

For drivers living in Pennsylvania with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Allstate: $1,208 per year, or about $101 per month.

  2. Erie: $1,305 per year, or about $109 per month.

  3. Auto-Owners: $1,441 per year, or about $120 per month.

  4. State Farm: $1,467 per year, or about $122 per month.

  5. Geico: $1,686 per year, or about $140 per month.

Cheapest auto insurance in Pennsylvania for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Allstate: $911 per year, or about $76 per month.

  2. Erie: $1,535 per year, or about $128 per month.

  3. State Farm: $1,717 per year, or about $143 per month.

  4. Esurance: $1,795 per year, or about $150 per month.

  5. Progressive: $1,823 per year, or about $152 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Pennsylvania for 60-year-olds

Drivers in Pennsylvania with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Allstate: $809 per year, or about $67 per month.

  2. Geico: $813 per year, or about $68 per month.

  3. Nationwide: $962 per year, or about $80 per month.

  4. Auto-Owners: $976 per year, or about $81 per month.

  5. Erie: $1,013 per year, or about $84 per month.

Cheapest minimum coverage car insurance in Pennsylvania for 60-year-olds

Drivers in Pennsylvania who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $175 per year, or about $15 per month.

  2. Auto-Owners: $255 per year, or about $21 per month.

  3. Erie: $258 per year, or about $22 per month.

  4. State Farm: $276 per year, or about $23 per month.

  5. Allstate: $278 per year, or about $23 per month.

Cheapest auto insurance in Pennsylvania for 60-year-olds with poor credit

Drivers with poor credit in Pennsylvania can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,104 per year, or about $92 per month.

  2. Nationwide: $1,348 per year, or about $112 per month.

  3. Allstate: $1,453 per year, or about $121 per month.

  4. Auto-Owners: $1,530 per year, or about $128 per month.

  5. Donegal: $1,817 per year, or about $151 per month.

Cheapest auto insurance in Pennsylvania for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Pennsylvania, here are the companies with the lowest average rates for full coverage:

  1. Allstate: $1,063 per year, or about $89 per month.

  2. Erie: $1,298 per year, or about $108 per month.

  3. State Farm: $1,387 per year, or about $116 per month.

  4. Auto-Owners: $1,392 per year, or about $116 per month.

  5. Nationwide: $1,673 per year, or about $139 per month.

Cheapest auto insurance in Pennsylvania for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Allstate: $809 per year, or about $67 per month.

  2. Erie: $1,532 per year, or about $128 per month.

  3. State Farm: $1,623 per year, or about $135 per month.

  4. Progressive: $1,765 per year, or about $147 per month.

  5. Esurance: $1,803 per year, or about $150 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 23 of the 48 driver profiles we examined.

Minimum auto insurance limits required in Pennsylvania

Drivers in the Keystone State are required to carry at least liability insurance and medical payments coverage in the following amounts:

  • $15,000 of bodily injury liability per person.

  • $30,000 of bodily injury liability per accident.

  • $5,000 of property damage liability per accident.

  • $5,000 of medical payments coverage.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Although this will be enough to drive legally, experts suggest getting more than the bare minimum. You might also want added protection with supplementary options, such as collision, comprehensive and uninsured motorist coverage.

Check out NerdWallet’s guide to state car insurance requirements for more information on coverage you might want on your Pennsylvania auto insurance policy.

Alternative car insurance in Pennsylvania

Pennsylvanians with checkered driving histories, extremely poor credit or other factors preventing them from buying traditional car insurance might qualify for coverage through the Pennsylvania Assigned Risk Automobile Insurance Plan.

Or, instead of buying auto insurance, residents can pay a cash deposit of $35,000 to the state. Because going this route would leave drivers vulnerable to future car accidents and crash-related lawsuits, most will find it simpler and less costly to purchase car insurance.

NerdWallet can help make it easy to find coverage at the most competitive price. Use our car insurance comparison tool to view estimates from top Pennsylvania auto insurance companies.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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 the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

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

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