For the almost 9 million licensed drivers in the state of Pennsylvania who pay an annual average cost of $427 for minimum coverage and $1,476 for full coverage car insurance, finding the best car insurance can also mean finding the cheapest car insurance. Pennsylvania drivers will find there are a few providers in particular who offer competitive rates.
Our top picks for the cheapest car insurance in Pennsylvania for 2021 not only provide lower rates on average, but also offer some of the best coverage to protect you and your family when driving.
The cheapest car insurance in Pennsylvania
Pennsylvania offers many great choices for excellent car insurance coverage, but you will quickly notice that the pricing varies considerably by provider. In order to help you make your decision, Bankrate evaluated customer reviews, explored numerous companies’ coverage options and compared quoted insurance premiums.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Auto-Owners | $272 | $1,098 |
| Geico | $267 | $916 |
| Nationwide | $240 | $1,058 |
| Penn National | $217 | $971 |
| QBE | $241 | $1,042 |
Auto-Owners
Auto-Owners Insurance offers fantastic coverage options that include personal injury protection (PIP), emergency roadside assistance, rental car insurance and gap insurance to ensure drivers are fully protected.
Plus, drivers benefit from the added convenience of the all-in-one bundle of the Personal Automobile Plus Package, which adds over ten types of additional coverage to an already stacked policy. Additionally, there is no deductible when you are in an accident with another Auto-Owners policyholder.
Geico
It’s not just one of the largest car insurance companies in the nation – Geico is also one of the top auto insurance companies in Pennsylvania. With average annual rates of $267 for minimum coverage and $916 for full coverage, Geico is one of the cheapest in the state.
In terms of customer satisfaction, Geico received the “Highest Customer Satisfaction Among Auto Insurers in the The Northwest and North Central Regions” from J.D. Power’s 2020 Auto Insurance Survey. Geico also offers a wide variety of add-ons and discounts. Finally, drivers who register with Geico have the option of enjoying a digital experience with Geico’s mobile app.
Nationwide
Nationwide is an excellent choice to consider in Pennsylvania for several reasons. It is known for working with drivers who have poor credit, and has local agents nearby to help you if you have questions. Coverage is extensive, including options for roadside assistance, rental car insurance and gap insurance.
Nationwide also offers Accident Forgiveness® and a Vanishing Deductible® of up to $500 off your policy. The mobile tools are convenient, as well, keeping you plugged in even on the go when you need to check your policy or file a claim.
Penn National
Penn National is a good provider for Pennsylvania drivers looking for convenience. The Auto PennPac plan is a bundled selection of auto insurance coverages, such as pet insurance and death benefits with a seat belt and restraint benefit. When you sign up for collision and comprehensive coverage, Penn National includes extra coverages for towing and labor, travel interruption, locksmith services and airbag replacement, among other benefits.
Replacement cost auto coverage is also available, in addition to identity theft protection and 24/7 roadside assistance to round out coverage. With a ton of discounts, you also have the option to bundle your auto insurance policy with homeowners insurance, renters insurance, or condo insurance.
QBE
QBE gives you the option to add on coverage for transportation expenses, in addition to towing and labor protection and audio/visual equipment coverage. Drivers in Pennsylvania may also get some of the cheapest car insurance rates from QBE.
The provider also offers a FlexAuto® program that uses a regular review of your driving habits to give you additional savings on your insurance premium. There are other ways to save with QBE, too, such as discounts for safety devices, good students and an accident-free driving record with its Accident Forgiveness program.
Affordable coverage for Pennsylvania drivers
Before you can begin shopping for car insurance, it’s important that you first understand what you need. Like other states, Pennsylvania has a mandatory requirement that drivers carry a minimum amount of auto insurance.
The state requires that all drivers maintain minimum liability coverage of $15,000 for bodily injury per person, $30,000 for bodily injury per accident, $5,000 for property damage per accident and $5,000 per person for the first-party medical benefit.
How to get cheap car insurance in Pennsylvania
Aside from company discounts, there are other ways to get cheap car insurance in Pennsylvania.
- Shop your options. Don’t assume the big-name companies are necessarily the best or the cheapest. Be sure you browse their websites, see what plans they offer and compare pricing and discounts.
- Don’t overlook your regional and local insurers. Often, these smaller companies are able to provide lower premiums with higher satisfaction ratings.
- Consider your credit score. Your credit score can have either a positive or negative effect on your insurance quote, so be sure that you are paying your bills on time and monitoring your credit score.
Not all vehicles are the same when it comes to pricing. When shopping for a new car, keep in mind that some vehicles will be more expensive to cover than others. If you have an older vehicle, you may want to waive comprehensive and collision coverage if the market value of that car is low. Paying for that type of coverage may not be worth the cost.
If you want to keep your premiums down, you may want to bring your deductible up. While a higher deductible would require more out of pocket expenses in the event of a claim, it will also reduce your upfront or monthly policy payment.
Frequently asked questions
What is the best car insurance in Pennsylvania?
The best Pennsylvania car insurance depends on what kind of coverage you need for your specific vehicle and what your preferences are for a company regarding customer satisfaction and financial strength. For example, Geico and Nationwide carry some of the highest satisfaction ratings in the industry, in addition to some of the cheapest car insurance rates.
Who offers the cheapest car insurance in Pennsylvania?
Based on average rates for this state, Penn National, Nationwide, and QBE all offer the most affordable auto insurance in Pennsylvania. However, this will vary from person to person based on specific factors like where you live, what kind of car you have and how much you drive.
Is car insurance required in Pennsylvania?
If you are a driver in the state of Pennsylvania, you must carry a minimum of $15,000 per person and $30,000 per accident in bodily injury liability coverage, $5,000 in first-party medical benefits, and $5,000 in property damage liability coverage. Underinsured motorist coverage minimums are $15,000 per person and $30,000 per accident, while uninsured motorist coverage is $15,000 per person and $30,000 per accident.
Methodology
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
Rates are determined based on 2020 Quadrant Information Services data.
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