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:
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Cheapest for good drivers
For drivers with no at-fault accidents, DUIs or moving violations.
Among the three most affordable insurers for safe drivers without a military affiliation, the average quote was about $887 per year. Erie had the cheapest rate for this group, roughly $62 per month. Good motorists are usually able to cut rates even more with discounts for going without a claim, which many companies offer.
Cheapest for young drivers
For drivers in their early 20s.
Because they often need less coverage than older motorists, drivers in their early 20s can buy relatively cheap car insurance in Pennsylvania.
Erie offered the best rates in our analysis, at around $30 per month. Both State Farm and Geico fetched average quotes of less than $50 per month.
Cheapest for drivers with one at-fault crash
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 nearly $20 per month more than the lowest rate for drivers of the same age with an unblemished driving record.
Shopping around is particularly important if you have a black mark or two. Rates topped out at more than $4,000 per year for this group among the insurers we reviewed, meaning you can get hit with sky-high rates if you’re not careful.
Cheapest for drivers with poor credit
For drivers placed in the “poor credit” tier.
Insurance companies see your credit history as a useful predictor of future driving behavior and may charge higher rates if you’re a Pennsylvanian with poor credit.
Nationwide had the cheapest average price tag for this group: $1,331 per year. That’s about 45% higher than the best deal we found for drivers of the same age with no credit issues.
Cheapest for retired drivers
For drivers in their mid- to late-60s who no longer use their car for commuting.
Given their reduced annual mileage, retired drivers can usually find pretty cheap car insurance in Pennsylvania. We reviewed rates for drivers in their 60s who traveled half as many miles on average as drivers in other groups.
Erie returned the cheapest average quote, roughly $47 per 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.
Cheapest for drivers with 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 general public.
For the driver profiles listed above, USAA had one of the two cheapest average rates among large companies for every category.
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 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.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in Pennsylvania
|Drivers with one at-fault crash||Erie|
|Drivers with poor credit||Nationwide|
|Drivers with a military connection||USAA|
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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 2014 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.