The Cheapest Car Insurance in Pennsylvania for February 2025
Auto-Owners offers the cheapest car insurance in Pennsylvania, according to NerdWallet's analysis.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Updated Feb 1, 2025 · 3 min read
Who has the cheapest car insurance in PA?
Auto-Owners has the cheapest minimum coverage in Pennsylvania, with an average rate of $10 per month for liability coverage, according to NerdWallet's February 2025 analysis. Auto-Owners offers the cheapest full coverage auto insurance in Pennsylvania, with an average rate of $51 per month.
Cheapest liability coverage in Pennsylvania
Here are the cheapest car insurance companies in PA for liability coverage, based on NerdWallet’s February 2025 analysis. Monthly rates are estimated for a 35-year-old driver with a good driving record.
⚠️ Know the risks: A liability-only policy saves money in the short term, but it leaves you financially vulnerable if you’re in a serious accident. Consider full coverage if you can afford it. NerdWallet’s list of cheap full coverage insurance can help you find the best price.
Cheapest full coverage in Pennsylvania
If you’re looking for more coverage, here are the cheapest car insurance companies in PA for full coverage, based on NerdWallet’s February 2025 analysis. Monthly rates are estimated for a 35-year-old driver with a good driving record.
Did your rates go up? Auto insurance prices are on the rise in Pennsylvania. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
- How NerdWallet’s editorial team determined these rates
Once a month, NerdWallet’s car insurance data team analyzes over 500 million sample car insurance rates provided by Quadrant Information Services to find the auto insurers offering the cheapest rates. Our data analysis combines hundreds of hours of rigorous data vetting, thorough optimizing and extensive engineering work to provide you with the cheapest car insurance companies in Pennsylvania on a monthly basis.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap car insurance in Pennsylvania by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal details.
NerdWallet found the companies offering the cheapest full coverage car insurance rates for 35-year-old Pennsylvania drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Auto-Owners | $606 |
| After a DUI | Auto-Owners | $1,146 |
| After an accident | Auto-Owners | $837 |
| After a speeding ticket | Auto-Owners | $639 |
| Having poor credit | Nationwide | $2,572 |
If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.
» MORE: Getting an SR22 in Pennsylvania
Cheapest car insurance for PA by city
We won’t weigh in on eastern vs. western Pennsylvania sandwiches or convenience stores — but if you’re looking for the cheapest car insurance near you, we did analyze rates for two of the largest Pennsylvania cities:
Your ZIP code is a big factor in how much you’ll pay for car insurance. In general, cities see more vandalism, theft and accidents than rural areas — so urban drivers should expect a higher insurance bill than folks in small towns.
If you live elsewhere in the Keystone State, check out NerdWallet’s list of best car insurance companies in Pennsylvania.
- Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Pennsylvania where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Cheap auto insurance in Pennsylvania by age
Skip ahead to see rates for:
Cheapest full coverage car insurance in Pennsylvania for 20-year-olds
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Drivers in Pennsylvania with clean driving records may want to consider the following companies, which had the lowest average rates for 20-year-olds as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $1,523 | $127 |
| Travelers | $2,400 | $200 |
| Encova | $2,691 | $224 |
| American National | $3,168 | $264 |
| Erie | $3,280 | $273 |
Cheapest liability car insurance in Pennsylvania for 20-year-olds
Drivers in Pennsylvania who want just the state minimum coverage may want to check with these companies, which had the lowest average rates for 20-year-olds as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $284 | $24 |
| Encova | $573 | $48 |
| Westfield | $655 | $55 |
| Travelers | $668 | $56 |
| Cumberland Mutual | $689 | $57 |
Cheapest full coverage car insurance in Pennsylvania for 50-year-olds
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Drivers in Pennsylvania with clean driving records may want to get quotes from these insurers, which had the lowest average rates for 50-year-olds as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $588 | $49 |
| Encova | $1,296 | $108 |
| Travelers | $1,317 | $110 |
| Erie | $1,396 | $116 |
| American National | $1,596 | $133 |
Cheapest liability car insurance in Pennsylvania for 50-year-olds
Drivers in Pennsylvania who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates for 50-year-olds as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $118 | $10 |
| Westfield | $266 | $22 |
| Erie | $285 | $24 |
| Encova | $288 | $24 |
| Progressive | $343 | $29 |
Cheapest full coverage car insurance in Pennsylvania for 70-year-olds
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies.
Some insurers offer savings if you complete a defensive driving course from an approved provider. Courses are easy to find online through groups like AAA, AARP and the National Safety Council. Some classes can be completed 100% online.
Drivers in Pennsylvania with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates for 70-year-olds as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $624 | $52 |
| Cumberland Mutual | $1,273 | $106 |
| Travelers | $1,313 | $109 |
| Encova | $1,382 | $115 |
| Erie | $1,490 | $124 |
Cheapest liability car insurance in Pennsylvania for 70-year-olds
Drivers in Pennsylvania who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates for 70-year-olds as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $144 | $12 |
| Westfield | $273 | $23 |
| Erie | $305 | $25 |
| Encova | $306 | $26 |
| Cumberland Mutual | $320 | $27 |
Cheapest car insurance for military families in Pennsylvania
USAA
USAA offers insurance to active military, veterans and their families only.- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company whose policies aren't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 21 of the 70 driver profiles we examined.
Minimum auto insurance limits required in Pennsylvania
Drivers in the Keystone State are required to carry at least liability insurance and medical payments coverage in the following amounts:
$15,000 of bodily injury liability per person.
$30,000 of bodily injury liability per accident.
$5,000 of property damage liability per accident.
$5,000 of medical payments coverage.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Although this will be enough to drive legally, experts suggest getting more than the bare minimum. You might also want added protection with supplementary options, such as collision, comprehensive and uninsured motorist coverage.
Check out NerdWallet’s guide to state car insurance requirements for more information on coverage you might want on your Pennsylvania auto insurance policy.
Alternative car insurance in Pennsylvania
Pennsylvanians with checkered driving histories, extremely poor credit or other factors preventing them from buying traditional car insurance might qualify for coverage through the Pennsylvania Assigned Risk Automobile Insurance Plan.
Or, instead of buying auto insurance, residents can pay a cash deposit of $35,000 to the state. Because going this route would leave drivers vulnerable to future car accidents and crash-related lawsuits, most will find it simpler and less costly to purchase car insurance.
NerdWallet can help make it easy to find coverage at the most competitive price. Use our car insurance comparison tool to view estimates from top Pennsylvania auto insurance companies.
We nerd out on car insurance
NerdWallet’s editorial team takes pride in providing highly-researched resources that empower our readers to make informed decisions about their car insurance.
Here’s why you can trust NerdWallet:
We do our homework. All of our auto insurance content is diligently fact-checked before publication. Additionally, our editorial team regularly evaluates and reviews many of the auto insurance companies we write about. This means the star ratings you see on our company reviews remain up-to-date.
We analyze the data. NerdWallet updates our published car insurance rate averages once a month. To do that, we rigorously analyze more than 500 million auto insurance rates from across the country provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is solely editorial, and is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following 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 coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Compare Car Insurance Quotes
by Drew Gula, Sarah SchlichterShopping for car insurance? See rates from top companies, then compare quotes to find your best price.
Read More
Cheap Car Insurance
by Drew GulaThe cheapest car insurance companies include Geico, Progressive, State Farm and Travelers, according to NerdWallet’s 2025 analysis.
Read More
Cheap Full Coverage Car Insurance for 2025
by Kayda Norman, Drew GulaNerdWallet analyzed rates from the nation’s largest insurers to find the cheapest full coverage car insurance.
Read More
