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.
Best car insurance companies in Pennsylvania
The best auto insurance companies in PA are all 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:
|Car insurance company||Average annual premium for full coverage||J.D. Power customer satisfaction score|
Allstate receives below-average scores for customer satisfaction in the Mid-Atlantic region. 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.
Geico has some of the highest customer satisfaction ratings in the region. It excels at three things: offering its customers low premiums, discount options and coverage choices. 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.
MetLife is a great choice for senior drivers, as well as those with new cars with its new car coverage option. There are also optional add-ons for your policy, such as roadside assistance, auto glass repair and gap insurance coverage. Nationwide gives you plenty of opportunities to bundle your policy with options for homeowners insurance, life insurance, health insurance and RV insurance.
Nationwide is a great choice for drivers with bad credit. In addition to accident forgiveness, gap insurance coverage and rental car insurance, it boasts programs like Vanishing Deductible, SmartRide and SmartMiles, all designed to help you save money. With an A+ (Superior) rating from AM Best, Nationwide also has excellent mobile tools to help you manage your policy.
Progressive offers some of the cheapest car insurance in Pennsylvania, especially for drivers with previous accidents. 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.
Average car insurance cost in Pennsylvania
Driving in Pennsylvania is cheaper than the national average. While the average cost of car insurance in the U.S. is $1,738 per year, the average car insurance cost in Pennsylvania is only $1,606 per year.
|Average annual premium for minimum coverage in Pennsylvania||Average annual premium for full coverage in Pennsylvania|
How to get the best car insurance
The cheapest car insurance in Pennsylvania for you will vary, depending on where you live. For example, the best cheap car insurance in Philadelphia may be much different than it is in Pittsburgh. To find the best car insurance in Pennsylvania for you, consider these tips.
- Evaluate your needs: When shopping car insurance companies, research the type of coverage available for your specific needs. Some companies will offer special coverage and discount options that can save you a lot of money, especially when you have bad credit, are a military or veteran driver or have a teen driver on your policy.
- Consider state factors: Pennsylvania has several minimum limits you have to meet. Drivers must carry bodily injury liability coverage of $15,000 per person, $30,000 per accident, medical payments coverage of $5,000, and property damage liability coverage of $5,000. You may also reject the recommended underinsured motorist coverage of $15,000 per person and $30,000 per accident and uninsured motorist coverage of $15,000 per person and $30,000 per accident.
Car insurance discounts in Pennsylvania
Here’s a quick look at how you can save more by tapping into different Pennsylvania car insurance discounts.
|Automatic payment/paperless billing||X||X|
|Defensive driving course||X||X||X|
|Low annual mileage||X||X||X|
|Occupational or organizations||X||X|
|Safe driver/accident free||X||X||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 be 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.
Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.