Best Car Insurance Companies in Pennsylvania

Pennsylvania’s best car insurance companies provide various coverage options at reasonable prices. This post will present Pennsylvania’s best car insurance providers, covering each provider’s average pricing, coverage options, and customer service rating.

Best Car Insurance Companies in Pennsylvania

I evaluated the best Pennsylvania car insurance companies using various criteria, including coverage options, policy features, and industry reputation. According to research, Nationwide has the greatest overall rating (4.41) among Pennsylvania car insurance companies in 2023. More information about the best Pennsylvania car insurance companies is provided below, along with the general evaluations given to each.

#1. Nationwide

The average full coverage premium with Nationwide is 47% less than the average in Pennsylvania. Moreover, you could save even more by taking advantage of the company’s many discounts, such as those for good students, automated payments, and paperless billing. SmartRide and SmartMiles are two of Nationwide’s available telematics options.

If you live in Pennsylvania and shop for car insurance, Nationwide may be an excellent option because of its competitive rates and extensive coverage options. On the other hand, Nationwide may not provide the most comprehensive coverage, but it provides choices like gap insurance, accident forgiveness, emergency roadside assistance, and rental car coverage, making it a viable option for many frugal Pennsylvania drivers.

#2. State Farm

The best car insurance in Pennsylvania may not be the cheapest for you, depending on your driving profile. However, it is feasible to obtain car insurance from a highly-rated business that is also reasonably priced. State Farm is the most affordable and best company in Pennsylvania. According to research, the average rate for full coverage insurance from State Farm is $1,194 per year, or $100 per month for Pennsylvania residents. Evidently, your rate will be different if you want to patronize the company.

#3. Travelers

Travelers provide a variety of low-cost auto insurance coverage in 43 states and Washington, D.C. Through its IntelliDrive® usage-based program, the company also offers a variety of discounts, including savings for having several policies, insuring numerous cars, and tracking good driving behaviors.

#4. Erie Insurance

Erie Insurance is an excellent all-around choice for auto insurance in Pennsylvania. Although its plans are unavailable in every state, the company has a great industry reputation and offers cheap rates.

Erie Insurance provides liability insurance, collision and comprehensive coverage, MedPay, uninsured or underinsured motorist coverage, and personal injury protection (PIP) coverage. In addition to these typical insurance products, Erie Insurance distinguishes itself from the competition by providing:

Pet insurance up to $500 per pet for vet fees following an accident
Forgiveness for the first accident
Decreased deductible, which might reduce your deductible by $100 for every year you do not file a claim, up to $500
Car rental reimbursement
Car replacement

#5. USAA

USAA has lower-than-average car insurance rates in Pennsylvania, but its plans are only accessible to active military, veterans, and their families. The organization offers solid coverage alternatives and outstanding customer service to qualified individuals.

Best Car Insurance Rates in PA

According to a recent study, travelers, Nationwide, Erie Insurance, State Farm, and USAA are the best car insurance companies in Pennsylvania. Each company obtains top honors in client evaluations, has some of the lowest rates in the state, and offers a wide range of auto coverage options.

Travelers offer the most affordable average car insurance rates in Pennsylvania. Its annual average cost of $895 is $500 less than the statewide average cost of car insurance. It’s also over $150 less expensive yearly than the next cheapest choice. Progressive has the highest sample yearly rate among companies in the Pennsylvania car insurance cost comparison, at $2,158. Auto insurance examines age, location, marital status, driving history, and other factors when deciding rates. Your real costs may differ from this study’s sample annual rates.

A full-coverage policy in Pennsylvania costs an average of $137 per month or $1,647 per year. These costs are slightly lower than the national average of $144 per month or $1,730 per year.

Best Car Insurance in PA for New Drivers

In Pennsylvania, car insurance for new drivers ranges from $71 to $220 per month. The actual cost depends on the driver’s age and whether they purchase their policy or add to an existing one.

Erie offers the best minimum-coverage car insurance rates for new drivers in Pennsylvania. Further, Erie’s minimum-coverage policy is 36% less expensive than the state average, at $72 monthly. New drivers can get even better deals from USAA. To purchase car insurance with USAA, you must be a military member or have a family member who has served.

State Farm offers the most economical car insurance for new drivers who have just received a speeding ticket. Its average minimum coverage quotation is $86 per month, 30% less than the state average of $124 monthly. If you’re a teen driver caught speeding in Pennsylvania, your insurance rates will rise by about 11%, depending on the carrier. Allstate and Progressive do not charge new drivers extra after a single speeding ticket, although Geico raises the cost of a minimum-coverage policy by 28%.

Travelers provides the lowest rates in Pennsylvania for 17-year-old female and male drivers. Its average annual rate for both is $2,578. This is significantly less than the statewide average for teen drivers, which is $4,503 for both females and boys. Progressive had the average yearly cost in an analysis for teens, with a sample rate of $8,104.

Additionally, Geico and Travelers provide excellent coverage at affordable rates for new drivers in Pennsylvania. These businesses provide attractive pricing for inexperienced motorists. The choice is left for you to decide and equally compare different providers for the best rates.

Cheapest Car Insurance in Pennsylvania

Car insurance is necessary, but affordable coverage in Pennsylvania can be difficult. The easiest method to acquire affordable auto coverage is to get quotes from various companies.

According to the most recent review of full-coverage car insurance rates in Pennsylvania by NerdWallet, Travelers is the cheapest insurance carrier, with average annual rates of $1,031, or $86 per month. In the meantime, full-coverage car insurance in Pennsylvania costs around $189 a month, or $2,263 a year.

While the state minimum in Pennsylvania is $544 per year, we found policies for far less. State Farm offers the most competitive rates for a 35-year-old male driver in Pennsylvania with a spotless driving record at $276 annually for minimal coverage.

At this point, when comparing car insurance companies in Pennsylvania, Travelers has the lowest average rates. Its annual cost of $1,031 is $500 less than the state’s average car insurance cost.

How Does Car Insurance Work in Pa?

Pennsylvania is a no-fault car insurance state. Regardless of responsibility, your insurance pays the expense when an accident occurs. Each motorist is responsible for their own expenses. Therefore, the likelihood of someone suing over guilt is lessened.

How Much Is Car Insurance in Pennsylvania?

The annual average cost of full coverage car insurance in Pennsylvania is $2,040, more than the national average of $2,014. Pennsylvania car insurance premiums for basic coverage are $428 per year, less than the national average of $622 per year.

How Much Is Car Insurance Per Month in Pennsylvania?

Full-coverage car insurance in Pennsylvania costs an average of $178 per month, while liability-only policies cost an average of $89. Liability-only coverage satisfies the state’s minimum requirements for property damage or injuries caused by an accident.

Is Car Insurance Cheap in Pennsylvania?

Pennsylvania’s state minimum auto insurance premium is $437 annually, or $36 monthly, for the same risk profile as the national average of $627. The lowest providers in Pennsylvania offering the bare minimum in coverage are listed below.

Who Gives Best Car Insurance?

Geico and Amica are the best overall.
USAA is the best option for military-focused coverage.
Safeco is the best option for extra advantages.
Auto owners are the best for discounts.
State Farm is the best option for local agents.
Progressive is the best for digital policy management.
New Jersey Manufacturers (NJM) is the best option for low-cost coverage.

Who Has the Cheapest Insurance in Pennsylvania?

Travelers offer the most affordable average car insurance rates in Pennsylvania. Its annual average cost of $895 is $500 less than the statewide average cost of car insurance.

How Much Is Car Insurance for a New Driver in PA?

The type of coverage chosen likewise affects the cost of automobile insurance for a new driver. If they have a minimal coverage policy, they should anticipate paying more than the state average of $800 per year but less than the $1,660 average cost of a full coverage policy.

What Is the Minimum Car Insurance in PA?

The following are the minimum limits for Pennsylvania car insurance: Liability coverage for bodily injury is $15,000 per person and $30,000 per accident. Liability coverage for property damage is $5,000. Coverage for uninsured motorists is $15,000 per person and $30,000 per accident.

Who Gets the Highest Insurance Rates?

The main explanation for these high rates is that young drivers have less experience and are less cautious behind the wheel. As a result, they are more likely to be involved in car accidents, which result in costly claims for insurance companies. Young males often have the highest auto insurance rates.

Do I Need Car Insurance in Pennsylvania?

To drive legally in Pennsylvania, drivers must acquire and maintain car insurance. This is known as keeping “financial responsibility” on your car under Pennsylvania law.

Conclusion

When purchasing car insurance, you must provide personal information such as the name, address, birthday, and driver’s license number of all drivers covered by the policy. The company will need the year, make, and model of your vehicle, as well as its vehicle identification number (VIN) and odometer reading. If you know the coverage limits and deductibles you want, you can specify them throughout the quote process. If you’re unsure at the quotation stage, don’t worry; a certified insurance agent can help explain the procedure and quote various coverage options if you want to compare them.

BEST CAR INSURANCE COMPANIES IN PENNSYLVANIA 2023