Best car insurance in Pennsylvania in 2022

On this page

Tony Shi Photography/Getty Images

Geico and Erie sell some of the best car insurance in Pennsylvania, according to Bankrate’s extensive research. Nationwide, Progressive and Allstate are also top contenders. To help you find the best options in the Keystone State, we analyzed average rates from the largest insurance companies in the state by market share. We also researched coverage options, discounts and third-party ratings.

The average cost of car insurance in Pennsylvania is $1,476 per year for full coverage. Our research could help you understand how to choose the best car insurance company for your needs, as well as how to choose appropriate coverage types and levels. Our team of insurance writers and editors sifted through the data to help make your car insurance shopping process easier.

Best car insurance companies in Pennsylvania

If you are shopping for the best auto insurance in Pennsylvania, you may benefit from obtaining quotes from Geico, Erie, Nationwide, Progressive and Allstate. The best auto insurance companies in Pennsylvania were chosen based on a number of factors, including average premium data from Quadrant Information Services, J.D. Power scores and available coverage options. We compiled the ranking of each company with these categories into a Bankrate Score, on a scale of 0.0 to 5.0. The higher a company scored overall, the higher that company ranked in the scoring categories.

Our research has determined the following five carriers offer some of the best auto insurance in Pennsylvania:

Car insurance company Bankrate Score Average annual full coverage premium J.D. Power customer satisfaction score (Mid-Atlantic region)
Geico 4.7 $916 835/1,000
Erie 4.6 $1,079 856/1,000
Nationwide 4.4 $1,058 823/1,000
Progressive 4.4 $1,278 834/1,000
Allstate 4.0 $1,338 830/1,000





Looking to save money on auto insurance?

Compare rates & save

Average car insurance cost in Pennsylvania

Auto insurance in Pennsylvania is generally cheaper than the national average. While the average rate of full coverage car insurance in the U.S. is $1,674 per year, full coverage car insurance in Pennsylvania is only $1,476 per year on average, according to 2021 premium data from Quadrant Information Services. The same holds true for minimum coverage car insurance. The average annual cost for minimum coverage in the U.S. is $565, while in Pennsylvania minimum coverage comes at an average rate of $427 per year.

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

The lower-than-average premiums could be due in part to Pennsylvania’s population density. The state has 48 rural counties and only 19 urban counties. Much of Pennsylvania is rural, which means that there could be fewer cars on the road and less traffic. These metrics could lead to fewer crashes and lower insurance prices.

How to find the best car insurance in Pennsylvania

The best car insurance in Pennsylvania will vary based on your individual rating factors. To find the best car insurance in Pennsylvania 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 the ways in which you’re covered. Pennsylvania is a no-fault state, so you are required to 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 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 the expenses. Most car insurance professionals recommend that you purchase higher limits to obtain 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. 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 have an impact on 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 that have 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

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 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 coverage that meets 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.

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.