Fact CheckedNerdWallet’s editorial team collected data on 19 auto insurers in Pennsylvania and scored them for a variety of factors, including customer experience, online features and discounts. GEICO won the top spot in our rankings, but there are plenty of other car insurance companies in Pennsylvania that we rated highly.
Our March 2026 picks for the best car insurance companies in Pennsylvania are:
Category winner | NerdWallet star rating |
|---|---|
Best overall car insurance company: GEICO | |
Best for budgeting shoppers: Travelers | |
Best if you have to make a claim: NJM | |
Best for digital features: Nationwide | |
Best for bundling auto and home: State Farm |
For our list of the best car insurance companies in Pennsylvania, we considered only insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on Apple and Google Play store ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save. We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state 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.
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Best overall car insurance in Pennsylvania: GEICO
Full coverage
$185 /month
Liability only
$38 /month
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,223 $454 One speeding ticket, good credit $2,863 $570 One at-fault crash, good credit $3,630 $695 One DUI, good credit $4,072 $886 Clean driving record, poor credit $4,161 $822
Best for shopping on a budget: Travelers
Full coverage
$129 /month
Liability only
$38 /month
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, & WI.
Why budgeting shoppers might like Travelers: We found that Travelers car insurance may be cheaper than average for good drivers in Pennsylvania, as well as drivers who have a recent accident or driving violation on their records. Travelers’ great set of discounts could help some get even lower rates.
Travelers' relatively cheap rates may make its coverage add-ons easier for more drivers to afford. Travelers offers a number of ways of improving a basic policy. You can add gap insurance, new car replacement and one of two accident forgiveness plans to a standard policy.
Don’t pick Travelers if: Claims satisfaction is the most important factor in an insurance company to you. Travelers scores lower than average on the J.D. Power Claims Satisfaction Study, and also in the Mid-Atlantic portion of the regional Auto Insurance Study. However, Travelers gets fewer complaints than expected for its size.
How much is Travelers car insurance in Pennsylvania? The average cost of car insurance from Travelers for someone in Pennsylvania with a clean driving record is $129 per month, or $1,545 per year. That’s compared to the statewide average of $2,261 per year.
» Read the full review: Travelers auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,545 $456 One speeding ticket, good credit $2,100 $590 One at-fault crash, good credit $2,211 $653 One DUI, good credit $2,457 $660 Clean driving record, poor credit $3,518 $957
Best for customer satisfaction: NJM
NJM boasts high customer satisfaction and low complaints, but it is available in only five states.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Far fewer than expected
Available in: CT, MD, NJ, OH, & PA.
Why NJM is best if your first priority is customer satisfaction: NJM is the best insurance company in Pennsylvania in terms of the quality of customer experience. It receives far fewer complaints from policyholders than expected for its size.
NJM earned the top spot for customer satisfaction in the Mid Atlantic region of the J.D. Power Auto Insurance Study; and took second (behind Erie) on the national Claims Satisfaction Study.
NJM also offers a couple of ways to customize a basic policy, including gap insurance. If you drive for Uber, Lyft or a delivery service, NJM’s rideshare add-on could make the insurer worth considering.
Don’t pick NJM if: You haven't compared the cost of car insurance from NJM and other insurers yet. We don’t have rates from NJM in Pennsylvania, but in other states we found that its rates are often close to average.
» Read the full review: NJM auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,215 $863 One speeding ticket, good credit $2,904 $1,152 One at-fault crash, good credit $2,402 $942 One DUI, good credit $2,904 $1,152 Clean driving record, poor credit $3,760 $1,681
Best for digital features: Nationwide
Full coverage
$200 /month
Liability only
$60 /month
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AL, AR, AZ, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we like the digital experience at Nationwide: Nationwide earned one of the highest scores in our study for its digital features. The insurer supports online quotes, claims and claims tracking. And the Nationwide app, which is rated highly by iOS and Android users, allows you to manage or even change your policy from your device.
The SmartMiles and SmartRide usage-based insurance plans from Nationwide both stand out among competitors. Rates in these plans depend on driving habits or the number of monthly miles a person drives. While safe drivers may earn a discount by participating, your rates won’t go up if you don’t qualify for a discounted rate.
Don’t pick Nationwide if: You want the cheapest insurance in Pennsylvania. While Nationwide may offer some drivers coverage for less than the statewide average, other insurers may be more likely to offer rock-bottom rates.
How much is Nationwide car insurance in Pennsylvania? The average cost of car insurance from Nationwide for someone in Pennsylvania with a clean driving record is $200 per month, or $1,545 per year. That’s compared to the statewide average of $2,261 per year.
» Read the full review: Nationwide auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,397 $717 One speeding ticket, good credit $3,485 $922 One at-fault crash, good credit $3,953 $1,170 One DUI, good credit $4,801 $1,305 Clean driving record, poor credit $3,287 $1,002
Best for bundling auto and home insurance: State Farm
Full coverage
$180 /month
Liability only
$34 /month
State Farm is a popular insurer that provides personalized service to its customers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Close to expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why bundling shoppers might like State Farm: State Farm is our pick for the best car insurance for bundlers in Pennsylvania. By combining your auto and home policy, you could save up to 17% on your premium.
We also rated State Farm's digital features relatively well. State Farm supports online quotes, claims and claims tracking. The State Farm mobile app (which is rated well on both iOS and Android stores) lets you call for roadside assistance, file and manage claims, and upload photos of your car to speed up claims.
Don’t pick State Farm if: You have complicated insurance needs and want to add lots of coverage to a policy. State Farm offers a couple of coverage options, but other insurers may offer more ways to customize a policy.
How much is State Farm car insurance in Pennsylvania? The average cost of car insurance from State Farm for someone in Pennsylvania with a clean driving record is $180 per month, or $2,155 per year. That’s compared to the statewide average of $2,261 per year.
» Read the full review: State Farm auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,155 $403 One speeding ticket, good credit $2,205 $420 One at-fault crash, good credit $2,714 $522 One DUI, good credit $3,091 $621 Clean driving record, poor credit $8,944 $1,677
Full list of the best car insurance companies in Pennsylvania
There’s not one insurance company in Pennsylvania that’s best for every driver in the state. Rather, each person’s coverage needs, driving history, vehicle, family and location can all play some part in deciding which insurer is right for them.
While we can’t choose one best car insurance company for every person, there are insurers that may suit certain types of drivers best. Here are our picks among Pennsylvania’s top insurance companies:
Company | Star rating |
|---|---|
Best overall car insurance company: GEICO | |
Best budget pick: Travelers | |
Best if you have to make a claim: NJM | |
Best for digital features: Nationwide | |
Best for bundling auto and home: State Farm | |
Best for coverage options: Amica | |
Best regional insurance company: Erie | |
Best for high-risk drivers: Direct Auto | |
Best for military families: USAA* | |
*USAA is only available to military, veterans and their families. | |
Here is the full list of car insurance companies reviewed by NerdWallet. Not all insurers offer policies in every state, however.
What to know about car insurance in Pennsylvania
Unlike in most other states, in Pennsylvania your insurance pays for your medical bills regardless of whether or not you caused the accident that injured you. After a serious accident, the at-fault driver may have to rely on their insurance to cover the injuries and damage they caused.
Pennsylvania requires these types of car insurance:
Medical benefits coverage. Sometimes abbreviated as MedPay, medical benefits or medical payments coverage helps to pay for your injuries after an accident, no matter who caused it. Drivers have to carry a minimum of $5,000 of MedPay.
Bodily injury liability insurance. Liability insurance helps cover expenses that have to do with another person’s injuries. After you injure someone in a crash, your policy will help cover their medical costs. A basic policy would cover up to $30,000 per accident, and $15,000 per person injured in the accident.
Property damage liability insurance. This type of coverage helps to pay for the cost of repairing or replacing the damaged property of others after an accident you cause. Pennsylvania requires at least $5,000 of property damage coverage.
Most drivers in Pennsylvania need more than the minimum amount of coverage, however. While each driver’s MedPay helps to cover their own injuries, you may still end up having to pay for the injuries and damaged property that you caused to other drivers after a serious accident.
Your policy won’t cover damage to your own car unless it has comprehensive and collision coverage. These types of insurance, which are often sold together, would help to cover most types of damage, including theft.
The average cost of car insurance in Pennsylvania is $2,261, but it depends on how much coverage you have and your driving record, as well as other details like your age, where you live, your car and your insurance company.
It might be a good idea to estimate your car insurance rates in order to create a budget. You can use our calculator to get a sense of what you may pay for car insurance in your area.
Estimate full coverage rates by ZIP codeEnter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0The Pennsylvania Assigned Risk Plan (PA ARP) helps connect drivers who can’t get auto insurance on their own with insurers in Pennsylvania. This may be an option for you if your driving record makes it impossible to get coverage on the open or voluntary market.
How to get the best auto insurance in Pennsylvania
There are many more insurance companies in Pennsylvania than the ones we’ve called out here. If you’re still not sure which one is right for you, or you want to do some research on your own, you can follow these steps.
Understand the coverage you need. Car insurance is already expensive. Knowing the amount of coverage that you need to adequately protect your car and assets can help you avoid paying more than you need to.
Know the type of company that you’re looking for. Some insurers are best suited to drivers looking for cheap rates; others are better for drivers who want robust coverage options or consistently reliable service. Deciding on the kind of insurer that’s right for you can help you decide between a few top options.
Consider other factors that might affect your best insurer. One detail can greatly influence which insurer is the best for you. Your list of top companies may change if you work from home and almost never drive, you want to bundle policies or you need coverage for a new driver in your family.
Shop around at least once a year. The cost of car insurance changes regularly. Before you buy a policy, shop around and compare rates from a few car insurance companies to be sure that yours is still the best choice for your budget.
Don’t shy away from smaller insurers. A small, regional insurance company in Pennsylvania may line up best with your coverage needs and budget. An agent or broker could help you find local insurance companies in your area.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Mar 2, 2026.
- 2.J.D. Power. 2025 U.S. Auto Insurance Study. Accessed Mar 2, 2026.
- 3.Official Website of the Commonwealth of Pennsylvania. Auto & Motorcycle Insurance. Accessed Mar 2, 2026.
- 4.AIPSO. Pennsylvania Assigned Risk Plan. Accessed Mar 2, 2026.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$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.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. 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 only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
