Cheap Car Insurance in Pennsylvania for 2024 (Big Savings With These 10 Companies!)
Check out the top insurers for cheap car insurance in Pennsylvania with rates starting at $23 monthly from Geico, Travelers, and Sate Farm. They stand out for their competitive rates, comprehensive coverage options, and excellent customer service, making them the best choices for drivers looking for best coverage.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Oct 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Oct 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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1,731 reviewsCompany Facts
Min. Coverage in Pennsylvania
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Pros & Cons
17,759 reviewsFind out the best cheap car insurance in Pennsylvania with rates starting at $23 monthly from Geico, Travelers, and Sate Farm. This article dives deep into the top 10 companies that offer the best rates, taking into account factors like customer satisfaction, A.M. Best ratings, and discounts for safe driving or bundling policies.
Among these, Erie Insurance stands out for its competitive rates, extensive coverage options, and stellar reputation for customer service, making it a top choice for Pennsylvania drivers looking to save without compromising on protection.
Our Top 10 Company Picks: Cheap Car Insurance in Pennsylvania| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $23 | A++ | Affordable Rates | Geico |
 | #2 | $25 | A++ | IntelliDrive Discounts | Travelers |
 | #3 | $26 | B | Local Agent | State Farm |
 | #4 | $27 | A+ | Regional Presence | Erie |
 | #5 | $28 | A | Local Expertise | Hanover |
 | #6 | $29 | A+ | Vanishing Deductible | Nationwide |
 | #7 | $44 | A+ | Personalized Service | Farmers |
 | #8 | $49 | A+ | Drivewise Program | Allstate |
 | #9 | $50 | A+ | Snapshot Program | Progressive |
 | #10 | $73 | A | Customizable Policies | Liberty Mutual |
With personalized insights and a detailed comparison of the top contenders, you can confidently choose the best car insurance to fit your needs and budget.
- Reviews cheap car insurance options in Pennsylvania
- Erie Insurance offers the best rates and service
- Lists discounts like bundling and safe driving
#1 – Geico: Top Overall Pick
Pros
- Competitive Rates: Geico offers some of the lowest rates for cheap car insurance in Pennsylvania, starting at around $23 monthly, making it accessible for budget-conscious drivers.
- User-Friendly App: Their mobile app allows for easy management of policies and claims, enhancing convenience for policyholders looking for cheap car insurance in Pennsylvania.
- Strong Financial Stability: Geico’s high A.M. Best ratings ensure reliability, making it a solid choice for cheap car insurance in Pennsylvania. Read our Geico auto insurance review to learn more.
Cons
- Limited Local Agents: Geico operates mostly online, which might not suit drivers who prefer in-person service for cheap car insurance in Pennsylvania.
- Customer Service Variability: Some users report inconsistent customer service, which can be a drawback for those seeking cheap car insurance in Pennsylvania.
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#2 – Travelers: Best for IntelliDrive Discounts
Pros
- IntelliDrive Discounts: The IntelliDrive program offers driving-based discounts, great for cheap car insurance in Pennsylvania. Read more here “How Can I Pay My Travelers Insurance Premium?“.
- Robust Coverage Options: Travelers provides a range of coverage options, ensuring drivers can customize their policies according to their needs for cheap car insurance in Pennsylvania.
- Excellent Claims Support: The company is known for efficient claims processing, key for drivers seeking cheap car insurance in Pennsylvania after accidents.
Cons
- Higher Rates for Some Drivers: Travelers’ rates can be higher than other providers, especially for drivers without a clean record, affecting those seeking cheap car insurance in Pennsylvania.
- Limited Availability in Some Areas: Travelers may not be available in all areas, limiting options for some drivers seeking cheap car insurance in Pennsylvania.
#3 – State Farm: Best for Local Agents
Pros
- Local Agent Availability: State Farm offers local agents for personalized service, which is beneficial for drivers seeking guidance in obtaining cheap car insurance in Pennsylvania.
- Comprehensive Coverage: Their extensive coverage options meet diverse driver needs, making it easier to find affordable car insurance in Pennsylvania. Check out our State Farm insurance review & ratings.
- Strong Customer Loyalty Programs: State Farm rewards loyal customers with discounts, adding value for those continuously seeking cheap car insurance in Pennsylvania.
Cons
- Potentially Higher Premiums: Some drivers may find State Farm’s rates higher, especially with a claims history, making it harder to find cheap car insurance in Pennsylvania.
- Limited Discounts for Young Drivers: Younger drivers may not find as many discounts available, which can be a disadvantage for those searching for cheap car insurance in Pennsylvania.
#4 – Erie: Best for Regional Presence
Pros
- Outstanding Customer Service: Erie is known for exceptional customer support, which is a critical factor for drivers looking for peace of mind in their cheap car insurance in Pennsylvania.
- Competitive Rates: Erie provides attractive rates, often competitive with larger companies, appealing to those looking for affordable options for cheap car insurance in Pennsylvania.
- Strong Community Presence: Their regional focus improves understanding of local needs, helping drivers find cheap car insurance in Pennsylvania, including questions like: “Does Erie Insurance Cover Rental Cars?“.
Cons
- Limited Availability: Erie operates primarily in the Midwest and Northeast, which may limit options for drivers outside these regions seeking cheap car insurance in Pennsylvania.
- Fewer Online Resources: Erie’s online tools may be less comprehensive than those of larger insurers, which could affect users seeking quick information on cheap car insurance in Pennsylvania.
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#5 – The Hanover: Best for Local Expertise
Pros
- Strong Local Expertise: The Hanover understands local markets, offering tailored solutions for cheap car insurance in Pennsylvania and simplifying the process if you need to know how to cancel The Hanover car insurance.
- Excellent Claims Service: Their commitment to effective claims handling ensures drivers receive timely support when needed, crucial for those seeking cheap car insurance in Pennsylvania.
- Community Involvement: The Hanover often engages in community initiatives, which may resonate with local drivers looking for a trustworthy provider for cheap car insurance in Pennsylvania.
Cons
- Limited Online Presence: The Hanover’s online tools may not be as developed as larger competitors, which could be a drawback for tech-savvy drivers looking for cheap car insurance in Pennsylvania.
- Higher Premiums for Certain Risks: Some drivers may find that the Hanover’s rates can be higher based on specific risk factors, complicating the search for cheap car insurance in Pennsylvania.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Unique Vanishing Deductible Program: Nationwide offers a vanishing deductible program that reduces the deductible over time for safe driving, appealing to those seeking cheap car insurance in Pennsylvania.
- Diverse Coverage Options: Nationwide offers various coverage options, helping customers find the right fit for cheap car insurance in Pennsylvania, including guidance on how to file a car insurance claim with Nationwide insurance company.
- Helpful Online Tools: Their online quote tool and resources make it easy for drivers to compare options and find affordable rates for cheap car insurance in Pennsylvania.
Cons
- Mixed Customer Reviews: While many are satisfied, some customers report varying experiences, which can be a concern for those prioritizing reliability in cheap car insurance in Pennsylvania.
- Potentially Higher Premiums: Nationwide’s rates may not always be the lowest, particularly for high-risk drivers, making it challenging to secure cheap car insurance in Pennsylvania.
#7 – Farmers: Best for Personalized Service
Pros
- Personalized Service: Farmers focuses on personalized service through local agents, making it ideal for drivers seeking tailored advice on cheap car insurance in Pennsylvania. Read more on our Farmers insurance review & ratings.
- Wide Range of Discounts: They offer various discounts for safe driving, bundling, and more, helping customers save on their cheap car insurance in Pennsylvania.
- Flexible Coverage Options: Farmers provides diverse coverage choices that cater to different needs, making it easier to find cheap car insurance in Pennsylvania.
Cons
- Limited Online Services: Some customers may find their online tools less comprehensive than those of larger competitors, reducing convenience when exploring cheap car insurance in Pennsylvania.
- Variable Premiums: Rates may fluctuate significantly based on personal factors, potentially complicating the quest for consistent cheap car insurance in Pennsylvania.
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#8 – Allstate: Best for Drivewise Program
Pros
- Drivewise Program: Allstate’s Drivewise program rewards safe driving with cash back, appealing to those looking for cheap car insurance in Pennsylvania. Take a look at our Allstate auto insurance review to learn more.
- Local Agent Access: With many local agents, customers can receive personalized assistance when navigating their insurance needs for cheap car insurance in Pennsylvania.
- Strong Financial Ratings: Their high A.M. Best ratings provide peace of mind for drivers concerned about reliability and financial stability in cheap car insurance in Pennsylvania.
Cons
- Higher Premiums for Some Drivers: Allstate’s rates can be on the higher side for certain demographics, making it more challenging for budget-conscious drivers to find cheap car insurance in Pennsylvania.
- Claims Process Variability: Some users report slow claims processing times, which can be frustrating during stressful situations for those needing cheap car insurance in Pennsylvania.
#9 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Progressive’s Snapshot program uses telematics to reward safe driving behavior, ideal for those focused on saving money with cheap car insurance in Pennsylvania.
- Wide Range of Discounts: The company offers various discounts for bundling and safe driving, appealing to drivers seeking affordable rates for cheap car insurance in Pennsylvania.
- Strong Online Tools: Their online resources make it easy for users to compare policies and find the best rates for cheap car insurance in Pennsylvania. Check our Progressive insurance review & ratings.
Cons
- Complex Pricing Structure: The pricing can be complex and varies widely based on personal data, which may confuse drivers seeking straightforward cheap car insurance in Pennsylvania.
- Mixed Customer Satisfaction: While many praise Progressive, some customers report dissatisfaction with service, impacting the perception of cheap car insurance in Pennsylvania.
#10 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual allows extensive customization of coverage options, catering to diverse needs for cheap car insurance in Pennsylvania.
- Strong Discounts: They offer discounts for various factors, including good student and safe driving discounts, enhancing affordability for cheap car insurance in Pennsylvania.
- Robust Online Resources: Their website offers various tools to help customers understand coverage options and compare quotes effectively for cheap car insurance in Pennsylvania.
Cons
- Potentially Higher Premiums: Rates can be higher for drivers with imperfect records, making cheap car insurance in Pennsylvania harder to find.. Look more on our Liberty Mutual auto insurance review.
- Claims Process Complaints: Some customers are dissatisfied with the claims process, citing delays and difficulties in getting timely support for cheap car insurance in Pennsylvania.
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Understanding Car Insurance in Pennsylvania
Car insurance provides financial protection in case of accidents, theft, or damage to your vehicle. It is an essential aspect of being a responsible driver and can help alleviate the financial burden that can arise from unexpected incidents on the road.
When it comes to car insurance, it’s important to understand the different types of coverage and their limits. This knowledge will allow you to make an informed decision about your car insurance policy and ensure that you have adequate protection in place.
Pennsylvania Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $49 | $148 |
| $27 | $66 |
| $44 | $131 |
| $23 | $68 |
 | $28 | $82 |
| $73 | $219 |
| $29 | $86 |
| $50 | $149 |
| $26 | $76 |
| $25 | $75 |
Car insurance is composed of several coverages, including liability, collision, and comprehensive, each serving a specific purpose to protect drivers financially.
In Pennsylvania, liability coverage is mandatory and covers injuries or damages caused to others in an accident if you are at fault. Collision coverage helps pay for repairs or replacement of your vehicle if it is damaged in a collision, making it particularly valuable for newer cars.
Comprehensive coverage provides protection against non-collision incidents like theft, vandalism, or natural disasters, offering broader peace of mind.
Pennsylvania Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | B | Moderate theft levels |
| Traffic Density | B+ | High urban congestion |
| Weather-Related Risks | B- | Snow and ice impact |
| Average Claim Size | A- | Lower claim costs |
| Uninsured Drivers Rate | C+ | Higher uninsured rate |
Pennsylvania drivers must meet minimum insurance requirements, including $15,000 bodily injury liability per person, $30,000 per accident, and $5,000 property damage liability, to ensure basic financial protection.
However, while meeting these minimums is essential, additional coverage or higher limits may be necessary for more comprehensive protection. Comparing quotes and consulting with insurance agents can help you find the best coverage for your needs and budget.
Factors Affecting Car Insurance Rates in Pennsylvania
Age, driving experience, vehicle make and model, and driving record are key factors that significantly influence car insurance rates, particularly for younger and less experienced drivers.
Car Insurance Discounts From the Top Providers in Pennsylvania| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Bonus, Bundling, Accident Forgiveness, New Car Replacement |
| First Accident Forgiveness, Bundling, Safe Driver, Pay-in-Full |
| Signal® App, Bundling, Good Student, Safe Driver |
| Defensive Driving, Bundling, Good Driver, Military Discount |
| Teen Driver, Bundling, Accident Forgiveness, Newer Home Discount |
| Bundling, Accident Forgiveness, New Car Replacement, Safe Driver |
| Vanishing Deductible®, Bundling, Accident-Free |
| Snapshot®, Bundling, Continuous Insurance, Safe Driver |
| Drive Safe & Save™, Bundling, Accident-Free, Good Student |
| Safe Driver, Accident Forgiveness, Bundling |
Due to their lack of driving history and higher likelihood of engaging in risky behavior, these drivers often face higher premiums.
Statistics show that drivers aged 16-19 are three times more likely to be involved in a fatal crash than drivers aged 20 and older. To mitigate these higher costs, young drivers are encouraged to take defensive driving courses to improve their skills and maintain a clean driving record.
Pennsylvania Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Military | A+ | 20% | USAA, Geico |
| Safe Driver | A | 20% | State Farm, Geico, Allstate, Progressive, USAA |
| Accident-Free | A | 15% | State Farm, Progressive, USAA, American Family |
| Bundling | A- | 15% | Nationwide, Liberty Mutual, Farmers, USAA |
| Defensive Driving | A- | 10% | Progressive, State Farm, Allstate, USAA |
| Good Student | B+ | 10% | State Farm, American Family, Travelers, USAA |
| New Car | B+ | 8% | Nationwide, Geico, Farmers, Liberty Mutual |
| Anti-Theft Device | B | 5% | Geico, Allstate, Liberty Mutual, Nationwide |
| Early Shopper | B | 5% | Allstate, Liberty Mutual, Nationwide |
| Paperless | B | 3% | Progressive, Travelers, Farmers, Nationwide |
Additionally, telematic insurance coverage, which uses technology to monitor driving habits, can offer potential savings by providing a more accurate assessment of driving behavior and rewarding safer driving practices.
It’s important to know who has access to your driving record and how long violations stay on it, as this information affects your insurance rates. Maintaining a clean driving record can demonstrate safer driving behavior and potentially lead to lower insurance rates over time.
The make and model of a vehicle also play a crucial role in determining premiums, as cars with high safety ratings and anti-theft devices generally incur lower rates, while luxury or sports cars often cost more to insure due to their higher market value and potential for accidents.
Additionally, a driver’s history of accidents and claims directly impacts rates, with clean records leading to lower premiums and a history of violations resulting in higher costs.
However, drivers can lower their rates over time by demonstrating safe driving practices and avoiding future incidents.
Top Affordable Car Insurance Providers in Pennsylvania
When it comes to finding affordable car insurance in Pennsylvania, especially for full coverage auto insurance, it’s important to consider the top providers in the state.
Pennsylvania Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Allentown | 3,000 | 2,400 |
| Bethlehem | 1,700 | 1,300 |
| Erie | 1,800 | 1,400 |
| Harrisburg | 3,500 | 2,800 |
| Lancaster | 2,200 | 1,750 |
| Philadelphia | 10,500 | 8,400 |
| Pittsburgh | 5,200 | 4,000 |
| Reading | 2,500 | 2,000 |
| Scranton | 1,600 | 1,200 |
| York | 2,100 | 1,600 |
These providers not only offer competitive rates for full coverage but also excellent customer service and a range of coverage options to meet different needs. Let’s take a closer look at three of the top affordable car insurance providers in Pennsylvania:
Geico Review
Geico is known for its commitment to offering competitive rates and excellent customer service to policyholders in Pennsylvania. They understand that every driver has unique needs and strive to provide coverage options that cater to those needs.
Whether you’re a young driver or a seasoned one, Geico has got you covered, as highlighted in our Geico Auto Insurance Review. They also offer various discounts to help customers save on their premiums, making them a popular choice among budget-conscious individuals.
With a strong reputation and positive customer reviews, as discussed in the Geico auto insurance review, Geico is undoubtedly a top choice for affordable car insurance in Pennsylvania.
Travelers Review
Travelers is a trusted insurance company that has been serving drivers in Pennsylvania for many years. They have earned a reputation for providing reliable coverage at affordable rates.
What sets Travelers apart is their prompt claims processing and helpful customer service representatives. In the unfortunate event of an accident, you can count on Travelers to guide you through the claims process and provide the support you need.
Their commitment to customer satisfaction has made them a favorite among policyholders. If you’re looking for a reputable and cost-effective insurance option, Travelers is definitely worth considering.
State Farm Review
State Farm has built a strong presence in Pennsylvania’s car insurance market by offering competitive rates and comprehensive coverage options. They understand that each driver’s needs are unique, which is why they strive to provide personalized service to their policyholders.
Whether you’re a new driver or have years of experience, State Farm has coverage options to suit your needs. Customers also praise State Farm for their hassle-free claims process and attentive customer support.
In times of need, you can rely on State Farm to be there for you every step of the way. If you’re searching for reliable coverage that won’t break the bank, State Farm is definitely worth exploring. They can help answer the question, “How Much Do I Need?” to ensure you have the appropriate coverage for your situation.
5 Common Car Insurance Claims in Pennsylvania| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Weather-Related Damage | 35% | $6,500 |
| Rear-End Collision | 25% | $5,000 |
| Single-Vehicle Accident | 18% | $7,500 |
| Theft | 12% | $8,000 |
| Vandalism | 10% | $3,000 |
In conclusion, finding cheap car insurance in Pennsylvania requires understanding the basics of car insurance, knowing the state’s requirements, and considering the factors that affect insurance rates.
Brandon Frady Licensed Insurance Agent
By shopping around for quotes, taking advantage of discounts, maintaining a clean driving record, and considering reputable providers like Geico, Travelers, and State Farm, you can find the affordable coverage you need to protect yourself and your vehicle on the road. Start getting your free quote by entering your ZIP code on our tool below.
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Frequently Asked Questions
What are the minimum car insurance requirements in Pennsylvania?
In Pennsylvania, drivers are required to have at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability coverage.
How can I find cheap car insurance in Pennsylvania?
To find cheap car insurance in Pennsylvania, you can start by comparing quotes from multiple insurance companies.
Additionally, maintaining a clean driving record, bundling your policies, opting for a higher deductible, and taking advantage of available discounts can help lower your insurance premiums. Enter your ZIP code to get started.
What factors affect car insurance rates in Pennsylvania?
Several factors can influence car insurance rates in Pennsylvania, including your age, driving history, location, type of vehicle, coverage or liability limits, and credit score. Insurance companies also consider the frequency of accidents and thefts in your area.
Can I drive without car insurance in Pennsylvania?
No, it is illegal to drive without car insurance in Pennsylvania. All drivers must carry the minimum required liability coverage. Failure to do so can result in penalties, such as fines, license suspension, and vehicle impoundment.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist coverage is an optional coverage in Pennsylvania that protects you if you are involved in an accident with a driver who lacks insurance or has insufficient coverage. It helps cover your medical expenses, lost wages, and other damages. Enter your ZIP code to get started.
What are the minimum car insurance requirements for drivers in Pennsylvania?
The minimum car insurance requirements for drivers in Pennsylvania include at least $15,000 in bodily injury liability coverage per person, $30,000 per accident, and $5,000 in property damage liability coverage. These minimums ensure basic financial protection for drivers in the event of an accident.
How does a driver’s age impact car insurance rates in Pennsylvania?
A driver’s age significantly impacts car insurance rates, with younger and less experienced drivers typically facing higher premiums. This is due to their increased likelihood of being involved in accidents compared to older, more experienced drivers.
What role does a vehicle’s safety rating play in determining insurance premiums?
A vehicle’s safety rating can lower insurance premiums, as cars with high safety ratings are generally considered less risky to insure. Insurance companies often factor in safety features and crash-test results when determining rates. Enter your ZIP code to get started.
How can bundling insurance policies affect overall costs for drivers?
What options are available for uninsured or underinsured motorist coverage in Pennsylvania?
In Pennsylvania, uninsured or underinsured motorist coverage is an optional policy that protects drivers in the event of an accident with a driver who lacks sufficient insurance. This coverage helps pay for medical expenses and damages, offering added peace of mind on the road.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
