Pennsylvania Car Insurance

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Pennsylvania is a no-fault state which means all 8.9 million licensed drivers must cover their expenses in an accident, regardless of fault. There are plenty of cheap Pennsylvania car insurance rates for every type of driver, so take a few minutes to learn more before you comparison shop.

Best Car Insurance Companies in Pennsylvania

Check out these companies for the best Pennsylvania car insurance rates with the highest customer satisfaction ratings, according to J.D. Power:

  • Amica Mutual is the winner of the J.D. Power customer satisfaction award in Pennsylvania with a score of 5 out of 5.
  • State Farm earned a 4 out of 5 and received five stars from customers in the price category. Customers were also pleased with the interactions they had with State Farm representatives and agents.
  • Geico also earned a 4 out of 5 and five stars from customers in the price category although interaction with the company was awarded a three (average).
  • Allstate earned an overall customer satisfaction rating of 4 out of 5. Their lowest rating came in for pricing at three stars (average).
  • Progressive offers cheap car insurance in Pennsylvania, especially for drivers with previous accidents. Customers give them a 4 out of 5 in policy offerings, price and billing options.

Finding the right cheap car insurance in Pennsylvania for you

Each insurer has a unique way to price their policy, taking many factors into account. Depending on your driving record and situation, some insurers may be a better fit than others.

Cheapest auto insurance for good drivers

Good drivers with a clean record often get the best deals. Compare quotes from some of the cheapest Pennsylvania auto insurance companies that offer quality products – State Farm, Amica and Geico.

Cheapest auto insurance for students

Allstate offers several ways to insure a student on a budget, as well as discounts and tips on how students can save money on their Pennsylvania auto insurance.

Cheapest auto insurance for people with low credit

Pennsylvania has a program for drivers who have trouble getting insurance because of poor driving history and/or a low credit score through the Pennsylvania Assigned Risk Automobile Insurance Plan.

Cheapest auto insurance for people with accidents

Progressive offers some of the best Pennsylvania car insurance rates for drivers with previous accidents.

Average car insurance cost in Pennsylvania

Pennsylvania car insurance rates rank the state 16th in average car insurance expenditures in an Insurance Information Institute study. The annual average expenditure for car insurance was $918 in 2016. The Zebra looks at how these rates change according to driver type:

Average insurance cost for state minimum insurance requirement Average cost for drivers with low credit Average cost for drivers with accidents or a poor driving record
$692/year $2,596/year as high as $2,514/year

Auto insurance discounts in Pennsylvania

Here’s a quick look at how you can save more by tapping into different Pennsylvania car insurance discounts:

Allstate Amica Geico Progressive State Farm
Anti-Theft Equipment x x x x
Automatic Payments x x x
Good Driving History x x x x x
Good Student x x x x
Multi-Policy x x x x x
Vehicle Safety Equipment x x x x

State minimum insurance requirements in Pennsylvania

Pennsylvania has several minimum limits you have to meet. You may request to reject the uninsured and underinsured motorist coverages.

  • Bodily injury liability coverage: $15,000 per person, $30,000 per accident
  • First party benefits (medical coverage for you and family members in the car, regardless of fault): $5,000
  • Property damage liability coverage: $5,000
  • Underinsured motorist coverage: $15,000 per person, $30,000 per accident
  • Uninsured motorist coverage: $15,000 per person, $30,000 per accident

Frequently asked questions

How much is car insurance in PA a month?

Depending on how much coverage you get and your driving record, PA car insurance can cost as little as $50 per month.

What is considered full coverage in PA?

To legally and fully covered in Pennsylvania, you need to have:

  • Bodily injury liability coverage: $15,000 per person, $30,000 per accident
  • First party benefits (medical coverage for you and family members in the car, regardless of fault): $5,000
  • Property damage liability coverage: $5,000

What do you need to get car insurance in PA?

In order to register and drive your car in PA, you must have a minimum level of auto insurance coverage. To get car insurance, you’ll need a valid drivers license, the vehicle information number (VIN) of your car and bank or alternative payment information to pay for the policy.

What are Pennsylvania’s tort coverages for?

You have the option to add either full tort or limited tort coverage to your Pennsylvania car insurance policy. Tort coverage gives you the ability to sue another driver for your pain and suffering if you’re injured in an accident.