In a Nutshell
The average cost of car insurance in Pennsylvania varies based on individual factors like credit scores, driving history, vehicle, age and driving behavior. We’ve crunched the data for several types of drivers and coverage options and found some of the lowest-cost insurers for those in the Keystone State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Pennsylvanians have a lot to explore around their home state, but whether you’re rolling through Lancaster County’s Amish country or taking a drive to check out the Liberty Bell, you’ll need car insurance.
We looked at estimated car insurance rates across Pennsylvania to find the cheapest estimated premiums for several driver needs and profiles.
Several factors can affect the cost of car insurance, like your age, vehicle type, mileage, coverage options and lender requirements. Our calculations are based on a relatively neutral driver profile to help you evenly compare rates and get a broad understanding of the average cost of car insurance in Pennsylvania (see our full methodology).
Unless otherwise noted, our standard driver profile has a credit score between 680 and 719, is between 36 and 45 years old, has no tickets or gaps in coverage, and drives a car valued between $20,000 and $30,000. Your rates may be different depending on your car and driving history. Read on to see what we’ve learned about the cost of car insurance for drivers with different credit scores, ages and driving records.
- Cost of car insurance in Pennsylvania
- 5 cheapest car insurance companies in Pennsylvania
- Cheapest state-minimum car insurance in Pennsylvania
- Cheapest car insurance for good credit in Pennsylvania
- Cheapest car insurance for poor credit in Pennsylvania
- Cheapest car insurance for drivers with multiple claims in Pennsylvania
- Cheapest car insurance for young drivers in Pennsylvania
- Pennsylvania auto insurance requirements
- Is usage-based insurance available in Pennsylvania?
- FAQs about cheapest car insurance rates in Pennsylvania
- Methodology
Cost of car insurance in Pennsylvania
Average monthly premiums for minimal car insurance coverage in Pennsylvania range from about $45 to just under $80, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Pennsylvania
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Pennsylvania | $44.90 |
| Drivers with poor credit in Pennsylvania | $79.64 |
| Drivers with multiple claims in Pennsylvania | $54.48 |
| Young drivers in Pennsylvania | $79.49 |
5 cheapest car insurance companies in Pennsylvania
American National P&C offers the cheapest car insurance for most of the Pennsylvania driver profiles we analyzed. To get a deeper look at the average cost of basic car insurance in Pennsylvania, we calculated the rates from several different insurers based on a specific Pennsylvania driver (see our full methodology for more information).
1. American National P&C
American National P&C offers car insurance through a network of local agents. Standout additional coverage options include roadside assistance, gap insurance and replacement parts coverage. Plus, customers involved in an accident with other cars insured by American National P&C can get discounted deductibles.
2. Atlantic States Insurance
Atlantic States Insurance is a subsidiary of Donegal Group and offers standard coverage options and optional add-ons like towing and labor and rental reimbursement coverage. A handful of discounts are also available.
3. Donegal Mutual Insurance Co
Founded in small-town Pennsylvania in the late 1800s, Donegal Insurance Group offers personal, commercial, farm and title insurance products. Donegal’s personal car insurance coverage and discount opportunities are basic, and the company offers first accident forgiveness.
4. Auto-Owners Insurance
Auto Owners was founded in 1916 and offers various insurance products, including car insurance. Auto Owners isn’t available in all states, and prospective customers must contact a local agent to get a quote. Auto Owners offers insurance for many types of vehicles, and you could save money on your premium by bundling. Read reviews of Auto Owners to learn more.
5. Cumberland Mutual
Cumberland Mutual offers car insurance coverage in Pennsylvania and Maryland. Cumberland offers coverages such as liability, collision, uninsured/underinsured motorist, medical payment and towing. Discounts for bundling multiple policies or having certain anti-theft and safety devices might be options for you, too. Cumberland also offers first-accident forgiveness.
Cheapest state-minimum car insurance in Pennsylvania
If you want just enough coverage to hit Pennsylvania’s roads legally, state-minimum auto insurance might be the way to go. The good news is that, in general, state-minimum coverage is often the cheapest type of auto insurance. In Pennsylvania, state-minimum coverage includes $5,000 of medical benefits coverage, $5,000 of property damage liability and bodily injury liability of $15,000 for one person and $30,000 for one accident.
Here are the companies with the lowest estimated rates for drivers interested in state-minimum coverage only.
5 cheapest car insurance companies in Pennsylvania for state-minimum coverage
| 1 | American National P&C | $23.75/month |
| 2 | Atlantic States Insurance | $25.00/month |
| 3 | Donegal Mutual Insurance Co | $25.92/month |
| 4 | Auto-Owners Insurance | $26.38/month |
| 5 | Cumberland Mutual | $26.58/month |
Cheapest car insurance for good credit in Pennsylvania
Have good credit? Congrats — you might find better rates! That’s because credit is one factor that can affect how much you pay for car insurance.
If you’re a driver with good credit, the following companies may have the lowest estimated rates for you.
5 cheapest car insurance companies in Pennsylvania for those with good credit
| 1 | American National P&C | $20.00/month |
| 2 | Donegal Mutual Insurance Co | $21.25/month |
| 3 | Atlantic States Insurance | $22.43/month |
| 4 | Erie | $23.22/month |
| 5 | Auto-Owners Insurance | $23.78/month |
Cheapest car insurance for poor credit in Pennsylvania
Your credit score is just one of many factors that insurers look at to determine your premium, along with your driving history and how many claims you’ve made. If you have a safe driving record, you may be eligible for cheap car insurance, even with less-than-stellar credit.
These five companies have the lowest estimated rates for drivers considered to have poor credit.
5 cheapest car insurance companies in Pennsylvania for those with poor credit
| 1 | Atlantic States Insurance | $30.55/month |
| 2 | American National P&C | $36.58/month |
| 3 | Safe Auto | $40.79/month |
| 4 | Nationwide | $41.40/month |
| 5 | Cumberland Mutual | $41.75/month |
Cheapest car insurance for drivers with multiple claims in Pennsylvania
If you have made several auto insurance claims within the last few years, you may have a higher monthly premium than other drivers who haven’t. But there are still cheap car insurance options for Pennsylvania drivers with multiple claims.
We found the five cheapest car insurance companies in the Keystone State for drivers with multiple claims.
5 cheapest car insurance companies in Pennsylvania for multiple claims
| 1 | American National P&C | $23.75/month |
| 2 | Donegal Mutual Insurance | $25.92/month |
| 3 | Cumberland Mutual | $26.58/month |
| 4 | Erie | $33.67/month |
| 5 | Nationwide | $33.71/month |
Cheapest car insurance for young drivers in Pennsylvania
Younger, less experienced drivers may also have to pay slightly more for their car insurance, as many companies view them as riskier to insure. But once you build up a safe driving record, you should see your premium shrink over time.
These companies have the lowest estimated rates for younger drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Pennsylvania for young drivers
| 1 | American National P&C | $42.42/month |
| 2 | Cumberland Mutual | $43.33/month |
| 3 | Atlantic States Insurance | $43.92/month |
| 4 | Auto-Owners Insurance | $46.08/month |
| 5 | Donegal Mutual Insurance | $48.75/month |
Pennsylvania auto insurance requirements
Drivers in Pennsylvania must carry the following minimum coverages: $5,000 of medical benefits coverage, $5,000 of property damage liability, and bodily injury liability of $15,000 for one person and $30,000 for one accident. A single limit of $35,000, which covers the bodily injury liability and property damage liability requirements, is also accepted.
If you have a car loan, your lender likely requires additional coverage.
Is usage-based insurance available in Pennsylvania?
Usage-based insurance is vehicle insurance that allows customers to pay premiums based on their driving behavior. Drivers in Pennsylvania can take advantage of usage-based insurance to possibly lower how much they pay a month for insurance.
FAQs about the cheapest car insurance rates in Pennsylvania
The average monthly premiums for car insurance (liability only) in Pennsylvania range from about $45 to just under $80, but your cost will depend on your driver profile and the type of coverage you seek. Factors like age, driving history and vehicle can also affect your monthly car insurance cost.
Pennsylvania drivers must carry a minimum of $5,000 of medical benefits coverage, $5,000 of property damage, and bodily injury liability of $15,000 for one person and $30,000 for one accident.
Pennsylvania has what’s called an “optional” or “choice” no-fault law when it comes to auto insurance. Drivers may select either a no-fault auto insurance policy or a tort liability policy.
Methodology
This article’s estimated rates are the lowest based on the profile of a driver age 36 to 45 living in Pennsylvania. The rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on a range of factors, such as your age, vehicle driving habits and history.
The average monthly premium for state-minimum car insurance includes Pennsylvania-mandated 15/30/5 insurance policy.
Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.