Advertiser Disclosure

Best Cheap Car Insurance in Pennsylvania for 2021

Dec. 11, 2020
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not 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.

To make things easier, NerdWallet has done the comparing for you. We researched average prices from 27 insurers and found the cheapest Pennsylvania car insurance options for several driver types.

Cheapest for 20-year-old drivers in Pennsylvania

Drivers in their 20s may have to get a lot of quotes to find 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 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. QBE: $1,469 per year.
  2. Penn National: $1,969 per year.
  3. Geico: $2,015 per year.
  4. Esurance: $2,164 per year.
  5. Erie: $2,344 per year.

Cheapest minimum coverage 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. QBE: $376 per year.
  2. Geico: $473 per year.
  3. Penn National: $512 per year.
  4. Donegal: $632 per year.
  5. Auto-Owners: $725 per year.

Cheapest coverage for 20-year-olds with poor credit in Pennsylvania

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.
  2. QBE: $667 per year.
  3. Penn National: $841 per year.
  4. Donegal: $959 per year.
  5. Nationwide: $1,079 per year.

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

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.
  2. Donegal: $837 per year.
  3. Penn National: $865 per year.
  4. QBE: $901 per year.
  5. Erie: $1,017 per year.

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

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

  1. QBE: $901 per year.
  2. Allstate: $947 per year.
  3. Geico: $1,021 per year.
  4. Esurance: $1,031 per year.
  5. Progressive: $1,070 per year.

Cheapest for 30-year-old drivers in Pennsylvania

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 in Pennsylvania for 30-year-olds

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

  1. Geico: $824 per year.
  2. Penn National: $826 per year.
  3. QBE: $946 per year.
  4. Esurance: $959 per year.
  5. Auto-Owners: $1,021 per year.

Cheapest minimum coverage 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.
  2. Penn National: $198 per year.
  3. QBE: $253 per year.
  4. Auto-Owners: $263 per year.
  5. Donegal: $306 per year.

Cheapest coverage for 30-year-olds with poor credit in Pennsylvania

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

  1. Geico: $1,118 per year.
  2. QBE: $1,435 per year.
  3. Nationwide: $1,601 per year.
  4. Auto-Owners: $1,601 per year.
  5. Penn National: $1,601 per year.

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

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

  1. Penn National: $1,338 per year.
  2. Esurance: $1,352 per year.
  3. Erie: $1,425 per year.
  4. Auto-Owners: $1,458 per year.
  5. Geico: $1,678 per year.

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

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

  1. Esurance: $1,119 per year.
  2. Penn National: $1,564 per year.
  3. Allstate: $1,664 per year.
  4. Erie: $1,697 per year.
  5. Progressive: $1,859 per year.

Cheapest for 40-year-old drivers in Pennsylvania

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 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. Penn National: $758 per year.
  2. Geico: $824 per year.
  3. Esurance: $927 per year.
  4. QBE: $956 per year.
  5. Auto-Owners: $1,003 per year.

Cheapest minimum coverage 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.
  2. Penn National: $185 per year.
  3. QBE: $259 per year.
  4. Auto-Owners: $263 per year.
  5. Donegal: $296 per year.

Cheapest coverage for 40-year-olds with poor credit in Pennsylvania

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

  1. Geico: $1,118 per year.
  2. QBE: $1,381 per year.
  3. Penn National: $1,470 per year.
  4. Nationwide: $1,567 per year.
  5. Auto-Owners: $1,572 per year.

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

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

  1. Penn National: $1,224 per year.
  2. Esurance: $1,313 per year.
  3. Erie: $1,362 per year.
  4. Auto-Owners: $1,437 per year.
  5. State Farm: $1,664 per year.

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

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

  1. Esurance: $1,085 per year.
  2. Penn National: $1,422 per year.
  3. Erie: $1,623 per year.
  4. Allstate: $1,656 per year.
  5. Progressive: $1,708 per year.

Cheapest for 50-year-old drivers in Pennsylvania

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 the best cheap car insurance companies is a good place to start.

Cheapest full coverage 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. Penn National: $658 per year.
  2. Geico: $790 per year.
  3. Esurance: $883 per year.
  4. QBE: $948 per year.
  5. Auto-Owners: $969 per year.

Cheapest minimum coverage 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. Penn National: $167 per year.
  2. Geico: $175 per year.
  3. Auto-Owners: $256 per year.
  4. QBE: $266 per year.
  5. Donegal: $278 per year.

Cheapest coverage for 50-year-olds with poor credit in Pennsylvania

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

  1. Geico: $1,072 per year.
  2. Penn National: $1,275 per year.
  3. QBE: $1,348 per year.
  4. Nationwide: $1,470 per year.
  5. Auto-Owners: $1,520 per year.

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

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

  1. Penn National: $1,060 per year.
  2. Erie: $1,338 per year.
  3. Esurance: $1,342 per year.
  4. Auto-Owners: $1,389 per year.
  5. State Farm: $1,615 per year.

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

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

  1. Esurance: $1,098 per year.
  2. Penn National: $1,231 per year.
  3. Progressive: $1,584 per year.
  4. Allstate: $1,593 per year.
  5. Erie: $1,594 per year.

Cheapest for 65-year-old drivers in Pennsylvania

Although 65-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 auto insurance for seniors, drivers in their mid-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 in Pennsylvania for 65-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. Penn National: $652 per year.
  2. Geico: $800 per year.
  3. Esurance: $884 per year.
  4. QBE: $914 per year.
  5. Donegal: $946 per year.

Cheapest minimum coverage in Pennsylvania for 65-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. Penn National: $171 per year.
  2. Geico: $180 per year.
  3. Donegal: $245 per year.
  4. Auto-Owners: $263 per year.
  5. QBE: $288 per year.

Cheapest coverage for 65-year-olds with poor credit in Pennsylvania

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

  1. Geico: $1,086 per year.
  2. QBE: $1,245 per year.
  3. Penn National: $1,264 per year.
  4. Nationwide: $1,413 per year.
  5. Auto-Owners: $1,486 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Pennsylvania

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

  1. Penn National: $1,058 per year.
  2. Erie: $1,355 per year.
  3. Auto-Owners: $1,366 per year.
  4. Esurance: $1,456 per year.
  5. State Farm: $1,516 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Pennsylvania

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

  1. Esurance: $1,185 per year.
  2. Penn National: $1,243 per year.
  3. Erie: $1,620 per year.
  4. Allstate: $1,665 per year.
  5. Progressive: $1,681 per year.

Cheapest 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 27 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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