Best car insurance in Pennsylvania 2020

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Pennsylvania has almost 9 million licensed drivers, some of whom opt for tort insurance or at-fault insurance. This complicates things for anyone looking to insure his or her car. Tort insurance makes it possible to sue should you get into a nasty car accident, but at-fault means your medical expenses will be paid regardless of the accident details. Obviously, both have their own advantages and disadvantages.

Once you’ve decided what kind of insurance you need, you still need to determine which provider you want. Luckily, Pennsylvania drivers have a lot of good choices. All of the providers discussed below offer great rates, multiple coverage options and numerous pathways to discounts on your premium.

For more information about the best car insurance in PA, keep reading.

The top car insurance companies in Pennsylvania

The best auto insurance companies in PA are below. All are deserving of your attention.

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. Why is it rated so well? It offers discounts to help its members lower already low premiums. Amica Mutual also has one of the best customer service departments in the industry. Lastly, members can choose from a variety of coverage options and add-on features.
  • 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. Like other national companies, State Farm is able to offer lower than average premiums, a variety of discount options and multiple coverage options. State Farm also has a great mobile app that allows you to pay your bill, file a claim, update your policy and call for roadside assistance.
  • Geico also earned a 4 out of 5 stars from customers in the price category, although interaction with the company was awarded a three (average). Geico excels at three things: offering its customers low premiums, discount options and coverage choices. Like State Farm, it has a great mobile app (which is actually rare for an insurance company) that allows you to do things like call for roadside assistance, take photos of damage to get an easy estimate and pull up a digital copy of your insurance card.
  • Allstate earned an overall customer satisfaction rating of 4 out of 5. Their lowest rating came in for pricing at three stars (average). Allstate is a great company to go to if you have a variety of coverage needs. Not only will you get exactly what you need, but you’ll also save for bundling services. Allstate also has a plethora of online resources including an online insurance quote tool and a car payment calculator. It also offers its members a variety of tools to help them lower and use their policy.
  • 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. It has a slew of discount and coverage options, and even offers rideshare insurance (which you need if you drive for a company like Uber or Lyft). One standout feature is its Snapshot app, which collects information on your driving habits to lower your monthly rate.
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Looking to save money on auto insurance?

Looking to save money on auto insurance?

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Amica Mutual State Farm Geico Allstate Progressive
Overall Satisfaction 5/5 4/5 4/5 4/5 3/5
Policy Offerings 5/5 4/5 4/5 4/5 4/5
Price 4/5 5/5 5/5 3/5 4/5
Billing Process and Policy Information 5/5 4/5 4/5 4/5 4/5
Interaction 5/5 5/5 3/5 4/5 3/5
Claims 5/5 3/5 3/5 4/5 2/5

Finding the right cheap car insurance in Pennsylvania for you

Each insurer has a unique way to price its policy, and takes many factors into account. The factors they may consider are:

  • Gender
  • Age
  • Marital Status
  • Job/Profession
  • Distance between work and home
  • Miles driven per year
  • Where you live
  • Credit Score
  • Type of car you drive
  • Age of car
  • Driving history

Because each company has its own pricing algorithm, the above are weighted differently company to company. This is why it’s so important to shop around. Depending on your driving record and situation, some insurers may be a better fit than others. This is why the cheapest car insurance in PA differs from person to person.

Average car insurance cost in Pennsylvania

For full coverage, the average cost of car insurance in Pennsylvania is $1,700. This is remarkably cheaper than the most expensive state. For comparison, Michigan residents currently pay, on average, $3,466 annually.

Pennsylvania is middle of the road when it comes to costs for a few reasons:

  1. It has a low amount of uninsured drivers. It’s currently the ninth lowest in the nation with only 7.6% driving without insurance.
  2. It’s partially a no-fault state. Though states adopted no-fault policies to lower insurance rates, they’ve actually done just the opposite, as dishonest drivers and medical practitioners are able to easily take advantage of it.
  3. Pennsylvania has a high population. It’s currently the 5th most populated state in the country.
  4. It’s a balance of city and country. It’s easy to see both extremes in Pennsylvania while driving, which is another reason insurance companies charge an average amount for premiums.

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

Is Pennsylvania a no-fault state?

Pennsylvania is a choice-fault state— meaning you can choose whether or not you want fault or no-fault insurance. However, you can’t do so at the time of an accident. You must choose which one you want when you sign up for insurance.

If Pennsylvania was a no-fault state that would mean that any party involved in an accident, no matter who caused the accident, would collect compensation from their own insurance company. However, Pennsylvania lets you choose if you want to opt in to this or not. If you choose no-fault insurance then you file the claim with your own insurance company when you’re in an accident and they cover things like damage, medical bills and lost wages due to missed work. However, if you choose fault insurance then you have the option of suing the other party for damages and compensation – meaning that whichever driver is at fault ends up paying.

Auto insurance discounts in Pennsylvania

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

Amica State Farm Geico Allstate Progressive
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
New Car x x
Paid in Full x x x

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.

Is Pennsylvania a no-fault state?

Yes and no. When you sign up for insurance, you can choose whether to sign up for no-fault insurance or at-fault insurance. So while the state itself is not a no-fault state, you can opt to be a no-fault driver and ensure that you’ll be covered no matter whose fault the accident is.