Best Cheap Car Insurance in Pennsylvania for 2017

Auto Insurance, Insurance

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.

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 the following drivers:

Good drivers

Young drivers

Drivers with one at-fault crash

Drivers with poor credit

Retired drivers

Drivers with a military connection

ALSO IN THIS ARTICLE

Minimum car insurance requirements in Pennsylvania

Alternative car insurance for high-risk drivers

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

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


price

  • $712/year

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price

  • $856/year

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

price

  • $1,029/year

Among the three most affordable insurers for safe drivers without a military affiliation, the average quote was about $866 per year. Erie had the cheapest rate for this group, roughly $59 a month. Good motorists are usually able to cut rates even more by scoring a claim-free discount, offered by many companies.
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Cheapest for young drivers

For drivers in their early 20s.


price

  • $350/year

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price

  • $566/year

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

price

  • $577/year

Because they often need less coverage than older motorists, drivers in their early 20s can get relatively cheap car insurance in Pennsylvania.

Erie offered the best rates in our sampling, at just about $29 a month. Both State Farm and Nationwide fetched average quotes under $50 a month, so young drivers have a few reasonably priced options at their disposal.
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Cheapest for drivers with one at-fault crash


price

  • $938/year

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price

  • $1,206/year

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price

  • $1,284/year

You can usually bet on a rate increase if you cause an accident, either at renewal time with your current insurer or if you shop for a new policy. The cheapest Pennsylvania car insurance price we found for motorists with one at-fault crash was more than $200 higher than the lowest rate for drivers of the same age with no incidents.

Shopping around is still important, even with a black mark or two on your driving record. Rates topped out at around $3,800 per year for this group among the insurers we sampled, meaning drivers can get hit with sky-high rates if they’re not careful.
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Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier. 


price

  • $712/year

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

price

  • $1,597/year

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

price

  • $1,743/year

Insurance companies view your credit history as a useful predictor of future driving behavior and may charge higher rates for those with poor credit.

Nationwide had the cheapest average price tag for this group: $1,029 per year. This was over $300 higher than the best deal we found for drivers of the same age with no credit issues. Rates increased sharply — almost $600 per year — from Nationwide to the next most affordable option, Travelers.
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Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


price

  • $547/year

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

price

  • $824/year

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

price

  • $956/year

Given their reduced annual mileage, retired drivers can usually find pretty cheap car insurance in Pennsylvania. We gathered rates for drivers in their 60s who traveled half as many miles as most other groups.

Erie returned the cheapest average quote, roughly $46 a month. This was lower than the cheapest estimate for good drivers half that age who put a daily commute on the odometer.

Insurers must offer a discount if you’re 55 or older and complete a “mature driver improvement” course approved by the Pennsylvania Department of Transportation.
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Cheapest if you have a military connection

If you’re an active member of the military or a veteran — or have an immediate family member who is — you’ll likely find relatively low rates with USAA, an option that isn’t available to the public.

For the driver profiles listed above, USAA had one of the two cheapest average rates among large companies for every category.
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Minimum car insurance requirements 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 bodily injury liability per person.
  • $30,000 bodily injury liability per accident.
  • $5,000 property damage liability per accident.
  • $5,000 medical payments coverage.

While this will be enough to drive legally, experts suggest getting more than the bare minimum. You may 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 coverages you might want on your Pennsylvania auto insurance policy.
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Alternative car insurance in Pennsylvania

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

Or, instead of buying auto insurance, residents have the option to 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.
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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.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Pennsylvania

CategoryCheapest option
Good driversErie
Young driversErie
Drivers with one at-fault crashErie
Drivers with poor creditNationwide
Retired driversErie
Drivers with a military connectionUSAA

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Methodology

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with 100/300/50 liability insurance limits, 100/300 uninsured motorist coverage limits, $5,000 medical payments coverage, and collision and comprehensive coverages each with a $1,000 deductible. We used a 2013 Toyota Camry in all cases.

Our sample retired driver was 67 and drove 50% fewer annual miles than other groups, as did our low-mileage driver. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will differ.

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