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Best Cheap Car Insurance in Pennsylvania for 2019

March 20, 2019
Auto Insurance, Insurance
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

If you’re looking for cheap car insurance in Pennsylvania, shopping around is key. Rates for the same coverage options can swing dramatically from one insurer to the next, so it pays to compare as many quotes as possible.

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To make things easier, NerdWallet has done the comparing for you. We researched average prices from the state’s 10 largest insurers and found the cheapest Pennsylvania car insurance options for several driver types.

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

Erie was the cheapest Pennsylvania carrier we found for drivers with clean credit and driving histories at $60 per month, on average. Travelers and State Farm round out the cheapest three — all of which came in under $100 per month, on average.

InsurerAverage price

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For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

Travelers was cheapest in this group, priced at $139 per month, on average. Erie barely beats Nationwide for second place among the cheapest three insurers for drivers with poor credit in Pennsylvania.

InsurerAverage price
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Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

For Pennsylvanians with a recent at-fault wreck, Erie came out cheapest at $79 per month, on average. State Farm and Travelers round out the cheapest three, but several companies had average rates in the neighborhood of $250 per month, showing how much prices can vary.

InsurerAverage price

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To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

Low-mileage drivers in Pennsylvania might want to look at Erie Insurance, which had an average rate of $48 per month for this group. State Farm and Travelers were second- and third-cheapest, respectively, with very similar average rates.

InsurerAverage price

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Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Honorable mention: Low-mileage drivers

Metromile targets drivers who put relatively few miles on their cars; its rates can be superior for those who drive under 5,000 miles annually. We can’t get rate estimates because this company charges a monthly base rate, plus a per-mile rate each month. But the less you drive, the less you pay, and a road trip here or there won’t break the bank — the company won’t charge you for more than 250 miles per day.

Cheapest for minimum coverage in Pennsylvania

Pennsylvania drivers who just want minimum coverage car insurance can get it relatively cheaply. Erie had the lowest rate in our test, at an average of $18 per month. State Farm and Geico also make the list.

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We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

Cheap 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 high you’ll get a good rate with USAA, an option that isn’t available to the general public. In our analysis, USAA was among the cheapest three options in Pennsylvania for every driver type listed above.

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.

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.

Cheapest car insurance in Pennsylvania 2019

CategoryCheapest option
Good driversErie
Drivers with poor creditTravelers
Drivers with one at-fault crashErie
Low-mileage driversErie
Minimum required coverageErie
Often cheap for military familiesUSAA


For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $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.
  • $5,000 in medical payments 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:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.