How Much is Car Insurance in Pennsylvania?

The car, truck, or SUV that is being insured is a significant factor when looking for the best cheap coverage in Pennsylvania. Vehicles with higher performance, poor crash test ratings, or a track record of large liability claims will cost significantly more to insure than safer models. The tables below shows insurance prices for some of the more affordable vehicles to insure.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific location which can impact premium rates greatly.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in zip code location which can revise price quotes noticeably.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in garaging location in Pennsylvania which can increase or decrease premium rates considerably.

For drivers in Pennsylvania, one of the big factors that help determine insurance cost is where you live in Pennsylvania. Cities with larger populations or higher claim trends like Philadelphia, Chester, and Norristown tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims receive better rates.

The illustration below lists the highest-priced areas in Pennsylvania to purchase car insurance in.

Rate quotes are estimated as specific Pennsylvania zip code can influence coverage rates greatly.

Finding reliable, cost effective car insurance is not always easy, and figuring out which company quotes the cheapest insurance rates in Pennsylvania will require even more shopping around. Each insurer has a proprietary method to establish rates, so we’ll go over the insurance companies that tend to have lower prices in Pennsylvania.

General Casualty generally has some of the most affordable car insurance rates in Pennsylvania at around $726 annually. Erie, Travelers, Penn National, and USAA also qualify as some of the cheapest Pennsylvania car insurance companies.

As illustrated above, if you are a customer of Penn National and switched to General Casualty, you might see a yearly savings of in the neighborhood of $90. Customers with USAA could save as much as $91 a year, and Amica policyholders might cut rates by $256 a year.

Understand that those rates are averages across all drivers and vehicles in Pennsylvania and and are not calculated with a rate discount in Pennsylvania. So the company that fits your situation best may not even be included in the above rate chart. That underscores the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

Insurance rates are higher with tickets and accidents

The easiest method to enjoy car insurance in Pennsylvania is to be a cautious driver and avoid accidents and violations. The diagram below demonstrates how citations and at-fault collisions impact auto insurance rates for different categories of driver ages. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

In the previous chart, the average cost of auto insurance in Pennsylvania per year with no violations or accidents is $2,528. Factor in two speeding tickets and the average cost surges to $3,357, an increase of $830 each year. Now include one accident along with the two speeding tickets and the 12-month cost of insurance in Pennsylvania jumps again to an average of $4,209. That’s an increase of $1,681, or $140 per month, just for not being attentive to the road!

Picking the best insurer can be a challenge considering how many companies provide coverage in Pennsylvania. The information in the lists below may help you select which car insurance companies to look at when comparing rates.

These ratings include companies that write coverage in many states, so companies with more of a regional focus will not be included in the list. To compare prices from these and other top-rated companies, click this link.

Top 10 Major Auto Insurers Overall in Pennsylvania

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Top 10 Major Auto Insurers in Pennsylvania Ranked by A.M. Best Rating

1. GEICO – A++
2. USAA – A++
3. State Farm – A++
4. Travelers – A++
5. Progressive – A+
6. The Hartford – A+
7. Nationwide – A+
8. Erie Insurance – A+
9. Allstate – A+
10. Titan Insurance – A+

The diagram below shows how choosing a deductible can change annual premium costs when trying to find cheap insurance in Pennsylvania. The rates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

As shown above, a 30-year-old driver could lower their car insurance rates by $402 a year by changing from a $100 deductible to a $500 deductible, or save $606 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could save up to $908 each year just by using higher deductibles.

If you do decide to increase your deductibles, it will now be necessary to have enough in a savings account to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

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