Best car insurance in Pennsylvania for 2021

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In 2019, the most recent year for which data is available, there were over 125,000 reportable auto accidents in Pennsylvania. Over 1,000 people were killed and more than 76,000 were injured. Auto accidents can be costly. Pennsylvania drivers can take the step to protect their finances by purchasing auto insurance.

When it comes to car insurance, Pennsylvania drivers have numerous options. To find the best car insurance in Pennsylvania, Bankrate analyzed average annual premiums, obtained from Quadrant Information Services. Our editorial team also reviewed third-party rankings, available coverages, discount offerings and customer service scores.

Best car insurance companies in Pennsylvania

The best auto insurance companies in Pennsylvania were chosen based on a number of factors, including average premiums, J.D. Power scores and available coverages Our research has determined the following five carriers may offer the best auto insurance in Pennsylvania:

Car insurance company Average annual premium for full coverage J.D. Power customer satisfaction score
(Mid-Atlantic region)
Allstate $1,338 812/1,000
Geico $916 841/1,000
MetLife $2,413 831/1,000
Nationwide $1,058 835/1,000
Progressive $1,278 828/1,000

Allstate

Allstate received a below-industry-average score from J.D. Power for customer satisfaction in the Mid-Atlantic region. However, you may still want to consider getting a quote from Allstate as it offers a variety of online resources, including an online quoting tool and car payment calculator.

Allstate also offers in-person agents, if you prefer to do your business with a person rather than online. And although its customer service scores were below average, Allstate did receive an above-industry-average score from J.D. Power for claims service. This indicates that customers are generally satisfied with Allstate’s claims handling.

Geico

Geico has some of the highest customer satisfaction ratings in the Mid-Atlantic region. Even though Geico offers the lower average annual full coverage premium on our list, it also offers a wide selection of discounts to help you save even more.

If you are looking for a company with usable technology, Geico could be a great option. The company’s website and app allow you to handle your policy without talking to an agent. You can call for roadside assistance, file a claim and pay a bill through the app, which has over 2.7 reviews on the App Store and still has a rating of 4.8 out of 5.0.

MetLife

MetLife offers auto, home and umbrella insurance, as well as other insurance products like life insurance, vision insurance and dental insurance. If you have several different insurance products that you would like to insure in one place, MetLife may be a good choice.

MetLife was recently acquired by Farmers Insurance Group, so there may be changes coming to its auto insurance policy. However, as of the publication date of this article, MetLife offers auto insurance policies with customizable options like roadside assistance, special parts replacement and enhanced rental car damage coverage. MetLife also offers 24/7 customer service, which may be appealing to customers who want to handle their insurance outside of normal business hours.

Nationwide

Nationwide offers basic auto insurance policies with just a few options for customization. If you are wanting to add extra coverages, Nationwide offers rental car coverage, gap insurance and emergency roadside assistance. The company also offers an accident forgiveness program.

Nationwide offers two telematics programs that may help to lower your premium. SmartRide tracks your driving habits, including hard braking and acceleration, night driving and idle time, and rewards you with a discount based on your individual driving. SmartMiles may be a good option for drivers who do not use their vehicles much. You have to pay monthly, but you will only be charged for the actual number of miles you have driven in the prior month.

Progressive

Progressive is a household name. If you have accidents or tickets, you may want to consider a quote from Progressive. Even if you have a clean driving record, the company may be a good fit for your needs. The company offers several options to tailor your policy to your needs, like ridesharing coverage, which may be a good option if you drive for Uber, Lyft or any similar company.

Like several other companies, Progressive offers a telematics program. Called Snapshot, the program involves using a mobile app or plug-in device to track your driving habits and earn an applicable discount.

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Average car insurance cost in Pennsylvania

Auto insurance in Pennsylvania is generally cheaper than the national average. While the average cost of full coverage car insurance in the U.S. is $1,674 per year, full coverage in Pennsylvania is only $1,476 per year, on average. The same holds true for minimum coverage. The average annual cost for minimum coverage in the U.S. is $565, while in Pennsylvania minimum coverage costs an average of $427 per year.

Average annual premium for minimum coverage in Pennsylvania Average annual premium for full coverage in Pennsylvania
$427 $1,476

Auto insurance premiums are based on a number of factors, including your age, your ZIP code, the type of car you drive and the coverages you choose. The price you pay will likely be different than the average prices.

State minimum insurance requirements in Pennsylvania

Drivers in Pennsylvania must carry certain minimum auto coverage limits to meet state requirements. These minimum limits are:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage

Most insurance experts recommend that you purchase liability limits that are higher than the state minimum requirements. If you cause an accident, state minimum limits might not be enough to pay for the full extent of the damages, leaving you with out-of-pocket bills.

Additionally, if you want coverage for your own vehicle, you would need to purchase full coverage. If you have a loan or a lease on your vehicle, your lender will likely require full coverage auto insurance.

How to get the best car insurance

The best car insurance in Pennsylvania will vary based on your own individual rating factors. To find the best car insurance in Pennsylvania for you, consider these tips.

  • Evaluate your needs: When choosing a car insurance company, you may want to research the coverages offered and see if they fit with your specific needs. Because everyone has different auto insurance needs, the best company and best options will not be the same for everyone. Understanding what is important to you can often be the first step to choosing a company and identifying what coverages you need.
  • Consider state factors: Every geographic location comes with its own set of considerations. In addition to the state minimum limits discussed above, you may also want to consider the common causes of loss in your specific area. Are vehicle thefts common? What about hail storms? Are car accidents common in your area? These location-specific factors may help you to decide what coverages and insurance options are right for you.

If you are unsure what auto insurance company or options are best for your situation, talking to a licensed agent might be beneficial. Agents generally have the knowledge and experience to guide you through the auto insurance buying process.

Car insurance discounts in Pennsylvania

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

  • Telematics discounts: These discounts are becoming increasingly common, but not all companies offer them. If yours does, the program typically involves 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.
  • Low-mileage discounts: If you do not drive your car often, you may qualify for a low-mileage discount. Some companies may ask for your odometer reading on occasion to ensure that you truly qualify.
  • Multi-policy discounts: If you have more than one insurance product, bundling them with the same company could save you quite a bit of money. Most companies that offer multiple insurance products offer this 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

What is the best car insurance company in Pennsylvania?

Although the companies we discussed above are some of the best in the state, the best car insurance company will vary for everyone. Your auto insurance needs are unique and the company that can best address your situation is going to be unique as well. Understanding what you want from a company, what kinds of coverages you are looking for and if you want access to digital tools may help you to figure out which company is a good option for you.

What is the difference between minimum coverage and full coverage?

Minimum coverage refers to having just the minimum coverages and levels of coverage required by your state. Full coverage means that you have added comprehensive and collision coverage, which provide coverage for damages to your own vehicle. However, insurance is typically customizable. You could carry state minimum liability coverages but add on comprehensive and collision coverage for full coverage. You could also carry higher liability limits but no vehicle coverage at all. Talking to an agent about your specific needs may be the best way to determine the right coverage for you.

What do you need to get car insurance in Pennsylvania?

To get an auto insurance policy, you will generally need to have the year, make and model of your car, its vehicle identification number (VIN) and the name, date of birth and driver’s license number for every driver in your household. You may also be asked for your social security number. Having an idea of what coverages you want quotes for can be helpful as well, although you can ask an agent to quote several different coverage options if you would like to compare them.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.