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Cheapest car insurance in Pennsylvania for 2025
According to Bankrate’s expert analysis, Auto-Owners and Erie are the cheapest car insurance companies in Pennsylvania.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
See what actual drivers are being quoted from Coverage for car insurance.
The cheapest car insurance companies in Pennsylvania
Pennsylvania drivers pay an average of $45 per month for minimum coverage auto insurance and $206 per month for full coverage, which includes comprehensive and collision coverage. That is 34 percent less and 8 percent less than the national averages, respectively. For drivers still on the lookout for cheaper car insurance, Bankrate is here to help. Since every driver’s situation is different, our editorial team compiled a list of the cheapest carriers in Pennsylvania for a range of profiles, making it easier to find the right fit for your needs.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Cheapest car insurance in Pennsylvania for minimum and full coverage
While coverage requirements vary by state, Pennsylvania drivers must carry at least the state’s minimum required insurance limits to legally drive. The minimum coverage in Pennsylvania includes liability and personal injury protection, while full coverage insurance typically includes comprehensive and collision coverage, which is optional.
Car insurance rates by company
Bankrate insight
When trying to save on car insurance, it can be easy to want to buy the least amount of coverage. While it’s impossible to purchase less than the state’s minimum coverage requirements, you should still understand what your coverage limits are in case of an accident. Minimum coverage often isn’t enough to cover the extent of expenses from a serious accident. You may consider purchasing higher coverage limits or add-ons to provide more financial protection.
Cheapest car insurance in Pennsylvania for drivers with prior incidents
Your driving history is one of the biggest rating factors affecting your car insurance costs. A clean record typically earns lower premiums, while speeding tickets, accidents and DUIs can drive costs up — though insurers weigh these risks differently. Comparing car insurance quotes from several carriers is the best way to find which company rates your risk more favorably. Below are the companies offering the cheapest auto insurance in Pennsylvania.
Cheapest insurance companies for drivers in Pennsylvania with a speeding ticket
Cheapest car insurance for drivers in Pennsylvania with an at-fault accident
Cheapest car insurance in Pennsylvania for drivers with a DUI
Cheapest car insurance for young drivers in Pennsylvania
Like most other states, age and driving experience factor into your PA auto coverage rate. Younger and less experienced drivers are more likely to be involved in accidents and cause more damage than more experienced drivers and therefore usually have higher insurance rates. Comparing rates and applying for discounts are key strategies for finding cheap car insurance for young drivers.
Cheapest car insurance rates by city in Pennsylvania
Just like how car insurance rates vary between states, there are also vast rate changes between cities in Pennsylvania. Drivers living in larger cities with dense traffic and higher rates of theft and accidents tend to pay more for insurance than those in areas with fewer claims. You can use the table below to see how your car insurance rate stacks up against averages in other Pennsylvania cities.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. monthly full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Pricedale | $2,470 | $206 | -0% |
| Hibbs | $2,248 | $187 | -10% |
| Black Lick | $2,168 | $181 | -13% |
| New Castle | $2,101 | $175 | -16% |
| North East | $2,178 | $181 | -13% |
Car insurance discounts in Pennsylvania
If you are stationed at Tobyhanna, Mechanicsburg or one of Pennsylvania's other military facilities, you may want to see if your insurer offers a discount to active and retired military members and their families. With some insurers, this discount increases if you are deployed and keeping your car in storage.
Many insurers offer telematics programs that help you improve your driving skills while also offering the possibility of a discount. To participate, you install a small device in your car or download an app that monitors your driving in real time.
These easy-to-earn discounts kick in when you agree to receive your policy documents digitally rather than by postal mail, or when you set up an electronic payment plan for your premiums. Some insurers also offer a paid-in-full discount if you are able to pay the full year's (or six-month, depending on your policy) premium at the beginning of the term, rather than through monthly installments.
Pennsylvania drivers age 55 and over could qualify for a safe driving discount after completing a mature driver improvement course. The discount remains on the policy for three years and can be renewed after each time it expires.
Pennsylvania car insurance laws
Personal injury protection (PIP)
In Pennsylvania, insurers must offer uninsured and underinsured motorist coverage, though drivers can choose to reject it in writing. If you’re financing your vehicle, most lenders require you to maintain full coverage until the loan is paid off. Many drivers choose to keep that financial protection even after repayment if their car still holds significant value. For leased vehicles, higher liability limits of 100/300/50 are commonly required.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics: