Pennsylvania is known for its scenery and culture. It offers outdoor fun and excellent health care, all for a low cost of living. However, if you own a vehicle, you will need cheap car insurance in Pennsylvania, which can be expensive. Shop around to find cheap car insurance quotes in Pennsylvania.
It can be challenging to find car insurance quotes on your own. It takes a lot of time and effort to research the prices of auto insurance in Pennsylvania.
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Pennsylvania Car Insurance Facts
With more than 13 million people, Pennsylvania is the fifth most populated state in the U.S.Â
As of 2021, 9,133,540 people in Pennsylvania were licensed to drive. This amounts to approximately 70% of Pennsylvanians.
With 2,300 companies specializing in food processing, Pennsylvania is the largest producer among the 50 states of canned fruit and vegetable-specialty products, chocolate and cocoa products, potato chips, and pretzels.
Itâs known as the âSnack Food Capital of the Worldâ because snacks, food, and confectionery sales total more than $5 billion per year.
Keystone State Cruising: Updates & Insights For Cheap Car Insurance in Pennsylvania 2024
Get ready to explore vibrant cities, rolling hills, and charming towns in Pennsylvania with these updates for drivers in 2024
Pennsylvania Vehicle Code Changes:
- Increased fines for certain traffic violations: Expect harsher penalties for speeding, disregarding stop signs, and other infractions. (Source: Pennsylvania Vehicle Code Section 75)
- Expansion of “Move Over” law: New requirement for drivers to slow down and move over for emergency vehicles on all roads, not just divided highways. (Source: Pennsylvania Vehicle Code Section 3335)
- No major changes to distracted driving laws: Existing prohibitions on texting and holding phones while driving remain in place. (Source: Pennsylvania Vehicle Code Section 3532)
These are just highlights, and other changes may apply. Visit the Pennsylvania Department of Transportation website for complete information. (Source: Pennsylvania Department of Transportation)
Average Auto Insurance Quotes in Pennsylvania (2024):
(Sources: The Zebra, ValuePenguin)
| Company | Full Coverage | Minimum Coverage |
| State Farm | $1,291 | $492 |
| GEICO | $1,103 | $441 |
| Progressive | $1,232 | $427 |
| Liberty Mutual | $1,266 | $476 |
| Farmers | $1,345 | $521 |
Individual rates in Pennsylvania can vary significantly based on factors like driving history, location, vehicle type, and desired coverage. Consider the mandatory 15/30/5 liability coverage limit when comparing options.
Choosing Auto Insurance in Pennsylvania
You are required by law to obtain auto insurance for your vehicle.
While each of the insurance providers has individual perks and benefits, most Pennsylvania drivers opt for a policy based on price and the degree of coverage offered.
Pennsylvania is one of 12 states that has implemented no-fault auto insurance.
No-fault insurance will cover passengers medical expenses and loss of income in the event of an accident, no matter who is at fault.
When driving a car in Pennsylvania, you are responsible for showing proof of insurance and a driverâs license.
You will receive an ID card from your insurance company in the mail, but itâs also acceptable to carry a copy of your policyâs declaration page or a signed, official letter from the insurance company.
If you have a policy with the Pennsylvania Assigned Risk Plan, a copy of the application will suffice.
Key Point: Pennsylvania Assigned Risk Plan If you are a high-risk driver (those who are inexperienced or have a number of tickets, accidents, DUI/DWI convictions, or lapses in coverage) and you are battling to find auto insurance coverage, you can make use of the Pennsylvania Assigned Risk Plan (PA ARP). They will provide you with auto insurance. A policy obtained from the PA ARP is almost always more expensive than an equivalent policy from an insurance company. The good news is that as soon as you have built up an improved driving record, you can use a commercial auto insurance company instead. |
Compare cheap automobile insurance quotes to see if their costs and coverages are within your price range and the coverages you are looking for.
A comprehensive search may also help you to identify aspects of car insurance you did not know about.
When looking at different car insurance companies, itâs also advised that you keep the total price in mind.
Items such as coverage limits, add-on coverage, and bundle options should also be considered.
Some insurance companies will offer discounts and this will help to lower car insurance rates.
Pennsylvania Automobile Insurance Coverage
In Pennsylvania, all motor vehicles subject to registration such as cars, vans, motorcycles, recreational vehicles, trucks, and buses must have liability insurance for vehicles.
Your liability insurance is designed to cover third parties and their property in the event of an accident that youâve caused while driving.
If, for example, you damage another personâs property, youâll be liable for the cost of repairs or replacement.
These costs can mount up fast and run into thousands of dollars, and the state knows that most drivers donât have enough money saved to cover these costs.
Itâs for this reason that almost every U.S. state mandates the need for driversâ liability car insurance.
Every state has different minimum liability insurance requirements for drivers, but it always covers three key aspects:
- Bodily injury coverage per person.
- Bodily injury coverage per accident.
- Property damage coverage per accident.
Key Point: Minimum Liability Car Insurance Minimum liability insurance is the least amount of coverage you must have for any damages you cause. If you drive every day, a minimum liability plan may not provide you with enough cover. Liability insurance includes:
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Pennsylvania requires that you have liability insurance in the following amounts:
- $15,000 for injury or death of one person in an accident.
- $30,000 for injury or death of more than one person in an accident.
- $5,000 for damage to property of another person.
A minimum policy may get you low-cost car insurance in Pennsylvania, but we recommend that motorists consider additional coverages.
Full coverage car insurance covers damage caused by anything not related to a collision. This includes your car being:
- Stolen.
- Damaged by hail, fire, wind, or falling objects.
- Damaged due to flooding.
- Vandalized.
- Damaged due to an explosion.
If you donât know where to begin to search for a company offering affordable car insurance quotes, we can help you.
Weâve done research and compared insurance quotes from different car insurance companies to help find the cheapest car insurance rates.
Our research also covers the cheapest car insurance in Pennsylvania for these types of drivers:
- Good drivers with a clean driving record.
- Young drivers.
- Bad drivers with a history of traffic violations.
Where to Find Cheap Minimum Liability Car Insurance Quotes in Pennsylvania
Most car insurance companies offer liability insurance plans that meet these minimums, and these are usually some of the cheapest car insurance premiums around.
According to our research, a minimum liability car insurance policy in Pennsylvania costs an average of $146.27.
| Cheapest Minimum Liability Car Insurance in Pennsylvania | ||||||
| Provider | Philadelphia | Delaware | Montgomery | Allegheny | Lehigh | Average |
| Mile Auto | $62.00 | $94.00 | $74.00 | $69.00 | $80.00 | $75.80 |
| Dairyland | $187.00 | $374.00 | $203.00 | $174.00 | $310.00 | $249.60 |
| State Auto | $185.00 | $132.00 | $99.00 | $90.00 | $105.00 | $122.20 |
| Plymouth Rock | $192.00 | $146.00 | $101.00 | $83.00 | $94.00 | $123.20 |
| Liberty Mutual | $222.00 | $173.00 | $116.00 | $113.00 | $158.00 | $156.40 |
| Nationwide | $250.00 | $167.00 | $122.00 | $98.00 | $115.00 | $150.40 |
Full Coverage Car Insurance Quotes in Pennsylvania
While liability insurance protects your finances in the event of a car accident, it doesnât cover your own vehicle from damage, theft, or natural disasters.
In order to make sure your car is fully covered, youâll need a full coverage auto insurance policy.
As previously mentioned, full coverage insurance covers your car for theft, natural disasters, and vandalism.
According to our research, in Pennsylvania, three cheaper car insurance quotes for full coverage are:
- Mile Auto with average rates of $78.00.
- Plymouth Rock with average rates of $135.20
- State Auto with average rates of $144.80.
| Cheap Comprehensive Car Insurance Quotes in Pennsylvania | ||||||
| Provider | Philadelphia | Delaware | Montgomery | Allegheny | Lehigh | Average |
| Mile Auto | $67.00 | $97.00 | $76.00 | $70.00 | $80.00 | $78.00 |
| Plymouth Rock | $216.00 | $162.00 | $110.00 | $87.00 | $101.00 | $135.20 |
| State Auto | $236.00 | $158.00 | $114.00 | $99.00 | $117.00 | $144.80 |
| Liberty Mutual | $297.00 | $215.00 | $135.00 | $124.00 | $191.00 | $192.40 |
| Nationwide | $302.00 | $196.00 | $138.00 | $108.00 | $129.00 | $174.60 |
| Bristol West | $915.00 | $710.00 | $401.00 | $366.00 | $480.00 | $574.40 |
Cheap Insurance in Pennsylvania for Drivers with Clean Driving Records
If you have a clean driving record and havenât been found guilty of serious traffic offenses over the past five years, you are perfectly positioned to find the best cheap car insurance in Pennsylvania.
To award you for having a clean driving record, some auto insurance companies will offer a good driver discount, further decreasing the cost of your car insurance quote.
Key Point: What Is a Good Driver Discount? A good driver discount (also referred to as a safe driver discount) is a discount offered by some auto insurance companies to drivers who have a clean record and who do not have any records of:
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Some auto insurance companies also offer additional discounts to drivers who have completed a registered defensive driving course.
If you arenât sure whether your car insurance company offers this, call your insurance agent to find out which courses make you eligible for this auto insurance discount.
If you have a clean driving record, Mile Auto offers cheap insurance quotes with an average monthly cost of $78.00.
| Cheap vehicle Insurance quotes in Pennsylvania for Good Drivers | ||||||
| Provider | Philadelphia | Delaware | Montgomery | Allegheny | Lehigh | Average |
| Mile Auto | $67.00 | $97.00 | $76.00 | $70.00 | $80.00 | $78.00 |
| Plymouth Rock | $205.00 | $154.00 | $106.00 | $85.00 | $98.00 | $129.60 |
| State Auto | $222.00 | $151.00 | $109.00 | $96.00 | $113.00 | $138.20 |
| Liberty Mutual | $251.00 | $189.00 | $123.00 | $118.00 | $171.00 | $170.40 |
| Nationwide | $282.00 | $185.00 | $133.00 | $105.00 | $124.00 | $165.80 |
| Bristol West | $784.00 | $602.00 | $349.00 | $323.00 | $415.00 | $494.60 |
Inexpensive Car Insurance Quotes in Pennsylvania for Young Drivers
According to the CDC, drivers aged 16-19 are three times as likely to be involved in a fatal crash compared to drivers over 20 years old.
Young drivers pay higher auto insurance rates because they are less experienced on the road, thus have a higher chance of being in an accident.
The higher rates compensate insurers for the increased risk of providing the insurance coverage.
Comparing inexpensive auto insurance quotes, we found Mile Auto offering vehicle insurance quotes for young drivers in Pennsylvania, with their average insurance quote at $125.80.
| Provider | Philadelphia | Delaware | Montgomery | Allegheny | Lehigh | Average |
| Mile Auto | $96.00 | $159.00 | $125.00 | $115.00 | $134.00 | $125.80 |
| Dairyland | $260.00 | $260.00 | $283.00 | $245.00 | $427.00 | $295.00 |
| Plymouth Rock | $298.00 | $229.00 | $157.00 | $130.00 | $148.00 | $192.40 |
| Bristol West | $599.00 | $453.00 | $311.00 | $314.00 | $372.00 | $409.80 |
| State Auto | $339.00 | N/A | N/A | N/A | N/A | $339.00 |
| The General | N/A | NA/ | $337.00 | $313.00 | $357.00 | $335.67 |
Tips for Choosing Inexpensive Vehicle Insurance in Pennsylvania
Your Unique Needs
If most of the driving you do is to work, to visit friends and family, and going to the local grocery store, then you possibly wonât need any add-ons to your car insurance policy.
If you use your car for long distance driving, or work (such as ridesharing or deliveries), you may find that some of the best car insurance companies may not cover you for this.
Lender Requirements For Car Insurance
If youâre financing or leasing your car, your auto insurance company is likely to require you to have comprehensive and collision insurance.
If you donât have the required coverage, your car insurance company will add single interest insurance to the total cost of the loan repayment.
Single interest insurance protects the lender but not the borrower of home, car, or other loans.
Over time, this is much more expensive than traditional insurance because you will also be paying off the additional interest.
Get Multiple Quotes
Even if you think youâve found a great car insurance deal, always shop around for a low car insurance quote.
You can do this yourself, but going through an insurance agent can save you a lot of time and money.
Get multiple cheap auto insurance quotes from different providers in Pennsylvania.
Affordable Vehicle Insurance Companies in Pennsylvania
1. Bristol West
Founded in 1973, Bristol West is one of the top ten biggest car insurance companies in the U.S.
Theyâre a member of the Farmers Insurance Group of Companies, one of the largest U.S. insurance companies.
Bristol West was originally established to provide high-risk drivers with affordable insurance policies, and they have since expanded their offering to all types of drivers.
Even if you arenât classified as a high-risk driver, you may be able to find cheaper auto insurance premiums with Bristol West.
Some of the benefits offered by Bristol West include:
- Multiple policy bundling discounts.
- Personalized car insurance policies.
- Rideshare coverage.
- Medical payments.
- Gap coverage.
- Towing and roadside assistance.
- Rental car reimbursement.
2. Mile Auto
Mile Auto is a per-mile insurance option, so your rates are based on the number of miles you drive every month.
If you drive less, your monthly bill will go down and if you drive more, your bill will increase.
Mile Auto is a great option for people who drive short distances every month.
If your driving habits are inconsistent or unpredictable, it will be difficult to keep track of your monthly car insurance expenses.
In such an instance, an insurance company that offers a flat rate may be better for you. Mile Auto offers the following insurance policies and benefits:
- Full coverage car insurance (comprehensive insurance, collision insurance, liability insurance).
- Rental car reimbursement.
- Roadside assistance.
- Personalized deductibles.
- Storage insurance (coverage for your car when itâs not being driven).
3. State Auto
Since 1921, State Auto has expanded into a $3 billion organization.
The company takes great pride in being innovative and doing things differently especially when it comes to:
- Overall customer service.
- Customer flexibility.
- Innovation and technology.
The company provides car insurance policies in 33 U.S. states, and it also offers homeowners insurance, personal insurance, and umbrella insurance.
Key Point: What Is Umbrella Insurance? Umbrella insurance provides additional protection over and above the existing limits and coverage of other insurance policies. If the value of your assets is higher than their insured amount, umbrella insurance will cover the gap if you need to make a claim. |
Automobile Insurance in Pennsylvania FAQs
What are the auto insurance requirements in Pennsylvania?
The minimum limits for Pennsylvania auto insurance are:
- $15,000 for injury or death of one person in an accident.
- $30,000 for injury or death of more than one person in an accident.
- $5,000 for damage to property of another person.
What car insurance is required by law in Pennsylvania?
Pennsylvania law requires all Pennsylvania motor vehicle owners to have minimum liability insurance (financial responsibility) on currently registered vehicles.
Minimum liability insurance covers property damage or injuries you may cause others in a crash.
Does insurance follow the car or driver in Pennsylvania?
Comprehensive and collision auto insurance coverage are tied to the insured vehicle.
What this means is that if someone borrows your car and has an accident, your policyâs liability coverage will cover them. If you rent a car, the insurance covers the driver.
This coverage pays for damage sustained by the insured vehicle as a result of an accident or vandalism. In other words, if someone else drivers your car.
The types of insurance that cover cars in Pennsylvania are collision, comprehensive, and property damage liability.
It is necessary to carry property damage liability and personal injury protection in Pennsylvania.
What happens if you donât have vehicle insurance in Pennsylvania?
If your motor vehicle is not insured with liability insurance, you could face the following penalties and expenses:
- A minimum of $300 fine for driving uninsured.
- A three-month suspension of your vehicle registration.
- A three-month suspension of your driverâs license.
Who pays for car damage in Pennsylvania?
Since Pennsylvania is a no-fault state, each driverâs insurance pays for their own medical bills after an accident, regardless of fault. However, Pennsylvania law only requires $5,000 in property damage coverage, which may not be enough to pay for the repairs.
We recommend comparing inexpensive car insurance quotes from various insurers to help you find the best price on a insurance policy that meets your needs.
The total cost of auto insurance will depend on a range of personal factors, including:
- Age.
- Driving history.
- The Pennsylvanian county lived in.
- Total value of your car.
- Credit record.
What are the best car insurance companies in Pennsylvania?
That depends on your pocket and your needs. To find a provider that best meets your requirement, consider which aspects of insurance are the most important to you:
- Best pricing.
- Excellent customer service.
- Digital app or online website.
- Customizable coverage.
- Benefits.
- Good driver discounts.Â
Once you know what youâre looking for, you can compare affordable vehicle insurance quotes from a number of insurance companies to find the best suited policy.
