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Cheapest car insurance in Pennsylvania for 2025

Updated Nov 13, 2025

According to Bankrate’s expert analysis, Auto-Owners and Erie are the cheapest car insurance companies in Pennsylvania.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

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Quoted 1 day ago
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GEICO logo
Auto Car IconHonda Cr-v
Location Pin IconTelford, PA
Quoted 12 days ago
$139/mo*
National General Value logo
Auto Car IconM Benz Glk Class
Location Pin IconAltoona, PA
Quoted 11 days ago
$186/mo*
Clearcover logo
Auto Car IconBuick Regal
Location Pin IconMckeesport, PA
Quoted 3 days ago
$87/mo*
Liberty Mutual logo
Auto Car IconNissan Rogue
Location Pin IconChalfont, PA
Quoted 4 days ago
$88/mo*
Bristol West logo
Auto Car IconHyundai Tucson
Location Pin IconNew Eagle, PA
Quoted 12 days ago
$92/mo*
GEICO logo
Auto Car IconHonda Civic
Location Pin IconJermyn, PA
*Quotes generated for Coverage users within the last 14 days. Your quote may vary.
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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. 

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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

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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. 

City Avg. annual full coverage premium Avg. monthly full coverage premium Avg. savings vs. state average

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

Bodily injury liability
$15,000
per person
Bodily injury liability
$30,000
per accident
Property damage liability
$5,000
per accident

Personal injury protection (PIP)

No-fault state: required coverage
$5,000
per person

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: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To 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:

Other profiles

Written by
Shannon Martin
Bankrate Insurance Expert | Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Senior editor, Insurance