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Best car insurance in Pennsylvania for 2024
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.
Best car insurance companies in Pennsylvania
Bankrate’s research found that Geico, Progressive, Auto-Owners, Erie and Nationwide are among the top auto insurance companies in Pennsylvania. In choosing the best companies, we analyzed average rate data from Quadrant Information Services and other metrics, including customer satisfaction scores from the J.D. Power 2024 U.S. Auto Insurance Study.
The average cost of car insurance in Pennsylvania is $2,419 per year for full coverage and $530 per year for minimum coverage. The providers we selected offer below-average rates along with ample potential discounts, various add-on coverage options and helpful digital tools. If you’re shopping for Pennsylvania auto insurance, you may want to get quotes from these carriers.
|
|
|
|
---|---|---|---|
4.4
|
$1,362
|
$401
|
|
4.4
|
$2,418
|
$425
|
|
4.3
|
$1,572
|
$333
|
|
4.0
|
$1,829
|
$374
|
|
4.0
|
$1,529
|
$502
|
Geico
Best for online and mobile app tools
4.4
4.4
Avg. full coverage premium
$114/mo
Avg. full coverage premium
$1,362/yr
Customer satisfaction
647/1,000
-
Why Geico made our list: Geico’s robust digital presence is a draw to those who are tech-savvy and value on-the-go convenience. The company offers a full-service online policy portal and a mobile app that is highly rated, enabling you to handle your policy and manage claims straight from your phone or computer. On the mobile app — which has over 4 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. The Geico app is also well-rated on Google Play, with a 4.6 out of 5.0 rating. Geico tied in the 2024 Bankrate Awards for Best Budget Auto Insurance Company and Best Auto Insurance Company Overall.
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. Geico’s add-on options are somewhat limited, but drivers looking for a standard policy may find just what they are looking for.
Progressive
Best for convenient coverage packages
4.4
4.4
Avg. full coverage premium
$202/mo
Avg. full coverage premium
$2,418/yr
Customer satisfaction
624/1,000
-
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 U.S. Auto Insurance Study and U.S. 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.
Auto-Owners
Best for policy customization
4.3
4.3
Avg. full coverage premium
$131/mo
Avg. full coverage premium
$1,572/yr
Customer satisfaction
Not rated
-
Why Auto-Owners made our list: Auto-Owners offers a high degree of customization on its auto policies. The company also maintains a robust network of local agents in its operating states. Thanks to few customer complaints, relatively low average rates and broad discount and endorsement opportunities, Auto-Owners tied with Geico in the 2024 Bankrate Awards for Best Budget Auto Insurance Company.
Who Auto-Owners may be good for: Drivers who value having vast coverage options may find a policy from Auto-Owners attractive, with options like additional expense coverage, gap insurance and even rental agreement gap coverage available.
Erie
Best for additional coverage
4
4
Avg. full coverage premium
$152/mo
Avg. full coverage premium
$1,829/yr
Customer satisfaction
713/1,000
-
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 2024 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 who are looking for quality coverage and like to do business with independent agents. While the company has an online portal, it doesn’t allow for digital policy changes or claims filing.
Nationwide
Best for discounts
4
4
Avg. full coverage premium
$127/mo
Avg. full coverage premium
$1,529/yr
Customer satisfaction
642/1,000
-
Why Nationwide made our list: Nationwide’s average full coverage premiums are lower than the Pennsylvania average, 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.
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. Scores are on a scale from 0.0 to 5.0. The higher a company’s Bankrate Score, the more highly that company fared in the underlying categories. Using the Bankrate Score as a guideline helps you quickly identify how the companies stack up.
Why you can trust Bankrate
Read our full methodologyTo help Pennsylvania drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Pennsylvania
The best car insurance company will be the one that offers you financial protection at a price you can afford. Different drivers have different budgets and insurance needs, so the best company for you will likely be different from the best for someone else. Bankrate’s tips can help point you in the right direction and help you identify the best insurer for you.
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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?
Similar to the national average of $2,388, the average cost of auto insurance in Pennsylvania is $2,419 per year for full coverage. Minimum coverage is a bit cheaper in Pennsylvania, though, at an average of $530 per year versus $664 per year nationally. Full coverage car insurance in Pennsylvania is more expensive than New Jersey, which is $2,587 per year, but is significantly cheaper than New York’s average, which is $3,807 per year.