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Best car insurance in Pennsylvania for 2023

Updated Feb 02, 2023
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Best car insurance companies in Pennsylvania

Bankrate’s research found that Geico, Erie and Nationwide are among the top auto insurance companies in the Keystone State, according to average rate data from Quadrant Information Services and the other metrics we reviewed, including customer satisfaction scores from the J.D. Power 2022 U.S. Auto Insurance Study. These providers offer below-average rates — the average cost of car insurance in Pennsylvania is $2,040 per year for full coverage and $428 per year for minimum coverage — along with good potential discounts, various add-on coverage options and helpful digital tools. If you’re shopping for car insurance in Pennsylvania, you may want to get quotes from these carriers.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
834
/1,000
Average monthly full coverage premium
$82
Average annual full coverage premium
$979
Erie
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
867
/1,000
Average monthly full coverage premium
$103
Average annual full coverage premium
$1,235
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
829
/1,000
Average monthly full coverage premium
$89
Average annual full coverage premium
$1,073
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
827
/1,000
Average monthly full coverage premium
$139
Average annual full coverage premium
$1,665
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
832
/1,000
Average monthly full coverage premium
$285
Average annual full coverage premium
$3,423
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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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
834
/1,000
Average monthly minimum coverage premium
$20
Average annual minimum coverage premium
$237
Erie
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
867
/1,000
Average monthly minimum coverage premium
$22
Average annual minimum coverage premium
$269
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
829
/1,000
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$309
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
827
/1,000
Average monthly minimum coverage premium
$34
Average annual minimum coverage premium
$409
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
832
/1,000
Average monthly minimum coverage premium
$47
Average annual minimum coverage premium
$562
Powered by Coverage.com (NPN: 19966249)
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.

Best for online and mobile app tools

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 834 AM Best: A++

Average annual premium

$ 979 for full coverage
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Why Geico made our list: Geico has a robust digital presence through a full-service online policy portal and a highly-rated mobile app. The company’s website and app allow you to handle your policy without talking to an agent. On the mobile app — which has over 3 million reviews on the App Store and still has a rating of 4.8 out of 5.0 — you can call for roadside assistance, make policy changes, file a claim and pay a bill.

Who Geico may be good for: Since Geico does the bulk of its business online and over the phone, it could be an excellent choice for tech-savvy drivers who prefer to handle their policies from the convenience of their homes. Additionally, Geico might be best for drivers looking for standard coverage types, as the company’s add-on options are a bit limited compared to other carriers.

Read full Geico review

Best for adding additional coverage

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 867 AM Best: A+

Average annual premium

$ 1,235 for full coverage
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Why Erie made our list: With Erie, drivers can choose from a number of optional endorsements to expand their vehicle-related protection, such as new and better car replacement coverage, first accident forgiveness and pet coverage if a pet is injured in an accident. Additionally, Erie earned first place for the Mid-Atlantic region in the J.D. Power 2022 U.S. Auto Insurance Study. This means that Erie pairs top-notch customer service with low average rates in Pennsylvania.

Who Erie may be good for: Erie could be an excellent choice for Pennsylvania drivers looking for quality coverage and who like to do business with independent agents — while the company has an online portal, it doesn’t allow for policy changes or claims filing.

Read full Erie review

Best for discounts

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: 829 AM Best: A+

Average annual premium

$ 1,073 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Nationwide made our list: Nationwide’s average full coverage premiums are lower than the Pennsylvania average (by a whopping 47 percent), and you might save even more by qualifying for the company’s many discount opportunities like the good student, automatic payments and paperless discounts. Additionally, Nationwide offers not one but two telematics programs, SmartRide and SmartMiles. 

Who Nationwide may be good for: If you’re looking for Pennsylvania car insurance with a few coverage add-ons and lower-than-average rates, then Nationwide could be for you. Although Nationwide might not offer the most robust coverage, with options like gap insurance, accident forgiveness, emergency roadside assistance and rental car coverage, many budget-conscious drivers in the Keystone State may find what they need with Nationwide.

Read full Nationwide review

Best for convenient coverage packages

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 827 AM Best: A+

Average annual premium

$ 1,665 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Progressive made our list: Progressive’s Name Your Price tool can make buying car insurance in Pennsylvania a breeze. On Progressive’s website, shoppers can key in their max budget, and the company will present a coverage package based on their desired payment amount. Drivers can also include several coverage options to tailor their policy to their needs, like ridesharing coverage, which may be a good option for those working for Uber or Lyft. Gap insurance and three types of accident forgiveness are also available. However, Progressive has a below-average score on both the J.D. Power Auto Insurance Study as well as its Auto Claims Satisfaction Study.

Who Progressive may be good for: Because Progressive’s website suggests coverage levels and add-ons based on your predetermined budget, Progressive could be a great option for first-time shoppers, new drivers or drivers not as familiar with car insurance.

Read full Progressive review

Best for local agencies

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 832 AM Best: A+

Average annual premium

$ 3,423 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Allstate made our list: In addition to a variety of online resources, such as an online quoting tool, policy portal and mobile app, Allstate has an extensive network of brick-and-mortar agencies throughout Pennsylvania. If you need after-hours assistance, Allstate’s 24/7 contact center may be able to help. No matter how you prefer to handle your policy, Allstate offers options. However, Allstate’s average rate is higher than the state average, so it may not be the best choice if you are on a tight budget.

Who Allstate may be good for: Pennsylvania drivers who don’t mind paying a little extra to have access to local offices as well as a highly-rated mobile app and easy-to-use online policy portal, may find Allstate appealing.

Read full Allstate review

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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.

How much is car insurance in Pennsylvania?

The average cost of auto insurance in Pennsylvania is $2,040 per year for full coverage and $428 per year for minimum coverage. Nationally, full coverage is $2,014 per year, which means that full coverage car insurance in PA is about on par with the national average. Minimum coverage is a bit cheaper in Pennsylvania, though, at $428 per year versus $622 per year nationally. Full coverage car insurance in Pennsylvania is more expensive than New Jersey, which is $1,754 per year, but is significantly cheaper than New York’s average, which is $3,139 per year.

Average annual premium for minimum coverage in Pennsylvania Average annual premium for full coverage in Pennsylvania
$428 $2,040

Average car insurance cost in Pennsylvania

The average annual full coverage auto insurance premium based on a 40-year-old driver with a clean driving record and good credit.

How Bankrate chose the best car insurance companies in Pennsylvania

As we searched for the best car insurance companies in Pennsylvania, we looked at several aspects of each company. First, we analyzed average auto insurance premiums from Quadrant Information Services. We also factored in third-party scores from J.D. Power, AM Best, Standard & Poor’s and the National Association of Insurance Commissioners (NAIC). Finally, we researched each company’s coverage offerings, discounts and digital tools. We chose these metrics to help give you a well-rounded view of each carrier.

To make understanding our research easier, we combined all this information into a proprietary Bankrate Score. The Scores are on a scale from 0.0 to 5.0. The higher a company’s Bankrate Score, the more highly that company scored in the underlying categories. Using the Bankrate Score as a guideline helps you quickly identify how the companies stack up.

How to find the best car insurance in Pennsylvania

The best auto insurance in Pennsylvania will vary based on your individual rating factors. To find the best company for you, consider these tips to ensure your car insurance protects your finances the way you want it to.

Consider minimum insurance requirements in Pennsylvania

Pennsylvania requires its drivers to carry at least certain amounts of car insurance to drive legally. Understanding the minimum insurance laws could help you decide what coverage to purchase. While you won’t be able to purchase less than the state-required minimums, checking Pennsylvania’s Department of Motor Vehicle (DMV) website could help you understand how you’re covered. In Pennsylvania, you must carry at least the minimum amounts of bodily injury liability and property damage liability coverage. Both these coverage types have liability per person and liability per accident limits. Pennsylvania is a no-fault state, so drivers must also carry at least minimum levels of personal injury protection (PIP), which are called “First Party Benefits” in this state. This coverage provides medical benefits for your injuries and those of the guests in your vehicle. If you cause an accident, your auto insurance coverage can help protect your finances and assets from expenses. Most car insurance professionals recommend purchasing higher limits for greater financial protection.

Consider lender requirements

If you finance or lease your vehicle, there could be car insurance requirements in addition to Pennsylvania’s state minimum limits. Most financial institutions require you to carry full coverage car insurance, which includes comprehensive and collision to protect your finances from damage to your car. Leasing a vehicle may also mean you must carry certain liability limits too. You may also want to consider gap insurance as well. Because vehicles depreciate relatively quickly, the balance of your loan may be higher than the total loss value of your vehicle. Gap insurance is designed to pay this difference.

Consider your individual needs

Your life circumstances can also impact your car insurance coverage and discounts. If you have a teen driver, for example, you are likely paying a higher premium than you were before your child was licensed. Looking for a company that offers discounts and safe driving programs for young drivers could help you lower your premium. Or you might have a few accidents, tickets or a DUI conviction on your record. This means that insurance companies are likely to view you as a high-risk driver. Having realistic expectations of your premium and looking for companies with coverage options, discounts and features geared toward your needs could help you find a good fit.

Frequently asked questions

Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute