Best cheap car insurance in Pennsylvania : Regarding car insurance in Pennsylvania, finding affordable rates is a priority for those looking to save money on their insurance without compromising the coverage they receive. The traveler’s insurance company offers the cheapest coverage with an average annual premium of $895, the lowest rate in the state for teen drivers, young drivers, adults, seniors, good drivers and those with a speeding ticket.
Cheap auto insurance is critical in Pennsylvania. No-fault insurance means you file a claim with your insurer after an accident, regardless of who caused it. As a result, premiums are higher. Rates can also increase in densely populated areas like Philadelphia.
Popular Car Insurance in Pennsylvania
- Travelers
- State Farm
- USAA
- Nationwide
Travelers Insurance is the cheapest car insurance in Pennsylvania.
Travelers offers the most affordable car insurance for Pennsylvania drivers. About $500 less than the state’s average auto insurance price is the company’s average annual premium of $895 (about $75 per month). In addition, it’s nearly $150 cheaper per year than the next most affordable option.
In our analysis of Pennsylvania car insurance rates, Progressive stands out with the highest annual rate of $2,158 – or approximately $180 per month.
Pennsylvania auto insurance companies calculate your rate based on a variety of factors. Variables include age, location, marital status, driving history, etc. Thus, actual costs may differ significantly from these sample rates. You should also consider multiple providers and which ones align with your needs and budget.
Travelers Insurance: Cheapest Car Insurance Rates for Teen Drivers
In Pennsylvania, Travelers is the cheapest insurer for 17-year-olds. The average rate for both is $2,578. This is much lower than the statewide average rate for teen drivers: $4,533. For teens, Progressive has an average annual cost of $8,104.
| COMPANY | 17-YEAR-OLD FEMALE | 17-YEAR-OLD MALE |
|---|---|---|
| Travelers | $2,578 | $2,578 |
| Geico | $3,013 | $3,013 |
| Erie | $3,342 | $3,342 |
| State Farm | $3,661 | $3,661 |
| USAA | $3,898 | $3,898 |
Travelers’ car insurance rates for young adults
The cost of car insurance for young adults is lower than that for teens. Travelers provides the best rates for single 25-year-old drivers in Pennsylvania: $971 per year for both men and women. The statewide average for this age group is $1,669. Progressive has the highest sample rate among males and females under 25: $2,767 per year.
| COMPANY | 25-YEAR-OLD FEMALE | 25-YEAR-OLD MALE |
|---|---|---|
| Travelers | $971 | $971 |
| Erie | $1,249 | $1,249 |
| State Farm | $1,269 | $1,269 |
| Nationwide | $1,281 | $1,281 |
| Statewide Average | $1,669 | $1,669 |
Travelers’ Adults Insurance at the Lowest Rates
Travelers offers the best rates for married 35-year-old women and men in Pennsylvania, on average, at $914 per year. To provide a comparison, the statewide average for this group of adult drivers is $1,324 per year. Our analysis shows Progressive has the highest average annual sample rate at $1,971.
| COMPANY | 35-YEAR-OLD FEMALE | 35-YEAR-OLD MALE |
|---|---|---|
| Travelers | $914 | $914 |
| Nationwide | $970 | $970 |
| Erie | $1,026 | $1,026 |
| State Farm | $1,112 | $1,112 |
| USAA | $1,212 | $1,212 |
Seniors’ car insurance rates: Travelers’
In general, seniors pay less for car insurance than other age groups. The lowest annual rate for Pennsylvania drivers who are 60 and married is $799 with Travelers. There is a statewide average of $1,193 for female and male senior drivers. According to our analysis, Progressive has the highest sample rate for women and men in this age group: $1,737.
| COMPANY | 60-YEAR-OLD FEMALE | 60-YEAR-OLD MALE |
|---|---|---|
| Travelers | $799 | $799 |
| Nationwide | $879 | $879 |
| Erie | $974 | $974 |
| State Farm | $1,000 | $1,000 |
| USAA | $1,087 | $1,087 |
For good drivers, travelers’ car insurance rates are among the lowest.
Clean driving records can reduce the cost of insurance for Pennsylvanians. Travelers offer the best rate for this group of drivers at $895 per year on average. As a comparison, the statewide average rate is $1,395. Our analysis shows Progressive has the highest average annual cost, with a sample rate of $2,158.
| COMPANY | CLEAN RECORD |
|---|---|
| Travelers | $895 |
| Nationwide | $1,043 |
| Erie | $1,083 |
| State Farm | $1,127 |
| USAA | $1,352 |
Insurance rates after a speeding ticket: A guide for travelers
With an average annual rate of $1,121, Travelers is the least expensive insurance plan for Pennsylvania drivers who have received a speeding ticket. Compared to the state average of $1,594, its rates are hundreds of dollars lower for this group of drivers. With a sample rate of $2,158, Progressive has the highest average annual cost for this group of drivers.
| COMPANY | WITH 1 SPEEDING VIOLATION |
|---|---|
| Travelers | $1,121 |
| State Farm | $1,202 |
| Erie | $1,208 |
| Nationwide | $1,501 |
| USAA | $1,510 |
Travelers’ cheapest car insurance rates after an accident
It is Travelers that offers the lowest rates, on average, to Pennsylvania drivers who have had an accident on their record. The sample average cost is $1,204 per year. It is more than $700 less expensive than the statewide average for drivers following an accident: $1,959. On average, Progressive’s sample annual rate for Pennsylvania drivers in this category is $3,329 per year.
| COMPANY | WITH 1 ACCIDENT |
|---|---|
| Travelers | $1,204 |
| State Farm | $1,296 |
| Erie | $1,465 |
| Nationwide | $1,716 |
| USAA | $1,945 |
State Farm offers the cheapest car insurance rates after a DUI.
State Farm offers the lowest average annual rate for Pennsylvania drivers with a DUI record, at $1,202. For this group of drivers, the state average is $1,960. According to our analysis, Progressive has the highest average sample rate for drivers following a DUI at $2,615 per year.
| COMPANY | WITH 1 DUI |
|---|---|
| State Farm | $1,202 |
| Travelers | $1,283 |
| Erie | $1,723 |
| USAA | $1,819 |
| Statewide Average | $1,960 |
USAA offers the most affordable auto insurance for military families
Military members, veterans, and their immediate families can get cheap rates with USAA; however, this coverage is unavailable to the general public.
Considering this coverage is limited to military members and their families, we do not have state-specific USAA rates. Still, it is an option that Pennsylvania military families may wish to consider.
Car insurance rates for drivers with poor credit: Nationwide
Among Pennsylvania’s car insurance providers, Nationwide offers an average annual premium of $1,411, or approximately $117 per month, for drivers with poor credit.
It is common for insurers to charge higher premiums for drivers who have lower credit scores. Although insurers use different algorithms to calculate premiums, it is difficult to predict precisely how your credit score will affect your rates.
The most affordable coverage option for Pennsylvania drivers with lousy credit is USAA, with annual premiums averaging $1,352. Members of the military can only get this coverage.
Rates for car insurance in Pennsylvania by city
The location of your car affects your car insurance rate. Based on our analysis of average rates in 10 major Pennsylvania cities, six have lower average car insurance rates than the statewide average. Harrisburg has the lowest average annual rate among the cities we studied: $1,291. Philadelphia has the highest sample rate of $2,446 per year.
If you wish to compare the most accurate quotes for your city, you can get an online quote or speak with an insurance agent. You can find a policy that meets your insurance needs and fits your budget by comparing car insurance quotes.
Pennsylvania Car Insurance: How Much Do I Need?
A minimum amount of car insurance coverage is required in Pennsylvania. Minimum requirements are:
- Liability for bodily injury of $15,000 per person
- Liability for bodily injury of $30,000 per accident
- The liability for property damage is $5,000
- Coverage for $5,000 in medical benefits
If you cause an accident that causes injury or death to another motorist or pedestrian, bodily injury liability coverage can pay expenses. Liability for property damage helps cover costs when you’re at fault in an accident that damages someone else’s property. When you or your passengers are injured in an accident, medical expenses coverage helps cover costs.
The above coverages and limits meet Pennsylvania’s minimum requirements, but you should consider adding coverage. You may also need additional coverage if you finance or lease a vehicle.
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