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Best car insurance in Pennsylvania for 2022

Updated Nov 15, 2022
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Finding the best car insurance in Pennsylvania takes a bit of research, but Bankrate can make the process easier. Our insurance editorial team includes four licensed insurance agents with decades of combined experience in the industry. We analyzed Pennsylvania car insurance companies using several key metrics to help you find the best fit for your needs. Our research might help you identify which aspects of a company are most important to you, so that you can find the best insurer for your unique situation.

Auto Insurance
Key takeaways
  • Geico, Erie and Nationwide are among the best car insurance companies in Pennsylvania, according to our research.
  • The average cost of full coverage car insurance in Pennsylvania is $2,002 per year, which is 13 percent higher than the national average of $1,383.
  • Maintaining a clean driving record, shopping around and taking advantage of discounts are all helpful strategies to lowering your car insurance rate.

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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.

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 $2,002 per year for full coverage and $441 per year for minimum coverage — along with good 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: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Mid-Atlantic region)
834
/1,000
Average annual full coverage premium
$970
Average annual minimum coverage premium
$244
Erie
Rating: 4.6 stars out of 5
4.6
Bankrate Score
Info Hover for more
J.D. Power score (Mid-Atlantic region)
867
/1,000
Average annual full coverage premium
$1,287
Average annual minimum coverage premium
$282
Nationwide
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power score (Mid-Atlantic region)
829
/1,000
Average annual full coverage premium
$1,110
Average annual minimum coverage premium
$320
Progressive
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power score (Mid-Atlantic region)
827
/1,000
Average annual full coverage premium
$1,519
Average annual minimum coverage premium
$384
Allstate
Rating: 4 stars out of 5
4.0
Bankrate Score
Info Hover for more
J.D. Power score (Mid-Atlantic region)
832
/1,000
Average annual full coverage premium
$3,356
Average annual minimum coverage premium
$624
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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.

BEST CAR INSURANCE COMPANY FOR ONLINE AND MOBILE APP TOOLS

J.D. Power:
834 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 244
Avg annual premium for full coverage:
$ 970
Get a personalized quote

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

BEST CAR INSURANCE COMPANY FOR ADDING ADDITIONAL COVERAGE

J.D. Power:
867 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 282
Avg annual premium for full coverage:
$ 1,287
Get a personalized quote

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

BEST CAR INSURANCE COMPANY FOR DISCOUNTS

J.D. Power:
829 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 320
Avg annual premium for full coverage:
$ 1,110
Get a personalized quote

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

BEST CAR INSURANCE COMPANY FOR DRIVING INCIDENTS

J.D. Power:
827 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 384
Avg annual premium for full coverage:
$ 1,519
Get a personalized quote

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

BEST CAR INSURANCE COMPANY FOR LOCAL AGENCIES

J.D. Power:
832 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 624
Avg annual premium for full coverage:
$ 3,356
Get a personalized quote

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

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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.

Average car insurance cost in Pennsylvania

The average cost of auto insurance in Pennsylvania is $2,002 per year for full coverage and $441 per year for minimum coverage. Nationally, full coverage is $1,771 per year, which means that full coverage car insurance in PA is about 13 percent more expensive than it is nationally. Minimum coverage is a bit cheaper though, at $441 per year in Pennsylvania versus $545 per year nationally.

Average annual premium for minimum coverage in Pennsylvania Average annual premium for full coverage in Pennsylvania
$441 $2,002

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 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.

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.

Car insurance discounts in Pennsylvania

Taking advantage of discounts is often one of the easiest ways to save on your car insurance premium. Although every company offers different discounts, some common savings opportunities in Pennsylvania are:

  • Young driver discounts: Many companies offer discounts to help offset the cost of insuring a young driver. Asking your provider about good student discounts, distant student discounts or teen driver programs might result in savings.
  • Safe driver discounts: Driving less can decrease your risk of getting into an accident. If you do not drive your car often, you may qualify for a low-mileage discount. Safe drivers might also want to consider signing up for a telematics program. These typically involve using a mobile app or plug-in device to track your driving habits. You may then be awarded a discount based on your driving patterns. Additionally, if you have a clean driving record, you might qualify for a claim-free discount.
  • Other discounts: If you have more than one insurance product, bundling your auto and home — or other insurance products — with the same company could save you quite a bit of money. You could also choose to pay your policies in full, which often results in a discount.

You may be able to review a company’s discounts online, or you can talk to an agent or customer service representative to see if you are taking advantage of all the savings opportunities available to you.

Frequently asked questions

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Managing Editor
Reviewed by Director of corporate communications, Insurance Information Institute