Cheapest Auto Insurance in Pennsylvania (2025)

Car insurance in Pennsylvania averages $158 monthly for full coverage and $94 for minimum coverage, Insurify data shows. Pennsylvania drivers pay less for car insurance than the national averages of $184 per month for full coverage and $104 for liability-only policies.

A comparatively low fatality rate, which has declined over the past few years, likely contributes to the commonwealth’s lower car insurance costs.1 Pennsylvania also has a low population density and only three cities with populations of more than 100,000 residents. Less traffic congestion in an area can mean fewer accidents and lower car insurance rates.

Commonwealth drivers can save even more by comparing car insurance quotes from multiple companies. Here’s what you need to know about finding affordable car insurance in Pennsylvania.

3 of the cheapest car insurance companies in Pennsylvania

Your financial situation and insurance needs influence the type of coverage and insurer that will work best for you. If you have a driving incident on your record — or need a certain type of coverage — you can find a quality car insurance company that caters to your specific situation.

Here are a few of the cheapest car insurance companies in Pennsylvania.

State Farm

Travelers

Erie

How to get the cheapest car insurance in Pennsylvania

Finding car insurance that fits into your budget is essential, but a cheap policy doesn’t always equal quality coverage. You should choose an insurer with solid industry rankings and a good track record of quality customer service.

The following tips can help you find a reputable car insurance company at the best price:3

• Shop around. You should compare quotes from at least three insurers to find the coverage you need at an affordable price.

• Increase your deductible. Choosing a higher deductible can help you lower your premiums. Make sure you can pay the deductible if you need to file a claim.

• Add discounts. You should always take advantage of discounts related to your driving history, vehicle safety features, membership with certain organizations, and more.

• Maintain good credit. Insurers can use your credit-based insurance score to determine how likely you are to file a claim. Improve or maintain your credit score to qualify for better premiums on your insurance policy.

• Drive a safe vehicle. Insuring a car with safety features, like anti-lock brakes, can lower your premiums and qualify you for policy discounts.

Low-cost car insurance in Pennsylvania 

Pennsylvania doesn’t have a financial assistance program to provide low-income drivers with low-cost car insurance. 

If you’re on a budget and looking for low-cost car insurance in Pennsylvania, you should consider getting quotes from multiple car insurance companies to find the most affordable option. Car insurance rates vary from company to company, and an insurer that previously held the cheapest rates may no longer have the best deal available.

Cheapest liability-only car insurance quotes in Pennsylvania: National General

A liability-only policy covers bodily injury and property damage to other parties when you’re at fault in an accident. While this is the most cost-effective option, it doesn’t provide coverage for your medical expenses and vehicle damage. You may have to pay out of pocket for your own vehicle repairs if you cause an accident and you don’t have full-coverage car insurance.3 And, if the damages or injuries you cause cost more than your policy limits, you may be on the hook to pay the difference.

Liability-only insurance in Pennsylvania costs $94 per month, on average. Check out the chart below to find Pennsylvania’s most cost-effective liability-only car insurance.

Cheapest full-coverage car insurance quotes in Pennsylvania: State Farm

A full-coverage policy pays for your vehicle repairs, even if you cause an accident. This type of policy includes liability, comprehensive, and collision coverages. Frequent or high-risk drivers — and people with expensive vehicles — should consider a full-coverage policy. If you have a loan or a lease on your car, most lenders require you to purchase full coverage.

“Having adequate coverage ensures that you and other drivers will be protected in the case of an accident, regardless of who was at fault,” says Kyle Pearman, agency owner of the Atherton Group in Pennsylvania.

Pennsylvania drivers pay an average of $158 per month for a full-coverage policy.

Full coverage typically costs more than a liability-only policy, but you can still find coverage at a competitive price. Find the most affordable insurers for full-coverage policies in Pennsylvania below.

Car insurance requirements in Pennsylvania

Pennsylvania is a no-fault state, which means that insurers must cover their policyholders’ medical bills related to an accident, regardless of fault.

In Pennsylvania, you must carry a minimum amount of liability insurance, as well as medical benefits coverage through personal injury protection (PIP) or medical payments (MedPay) coverage. PIP pays for a broad range of medical expenses after a car accident, such as lost wages and rehabilitation costs. MedPay covers medical expenses and funeral costs. 

These are the minimum coverage requirements in Pennsylvania:5

You may decide to purchase more than the state’s minimum coverage for more protection. Consider the following optional coverages:

Cheapest car insurance companies in Pennsylvania by driving record

Driving incidents include at-fault accidents, speeding tickets, DUIs, and other moving violations. If you have an incident on your motor record, your probability of having another is higher than someone with a clean record. Therefore, your risk profile increases, and your insurer may charge you more for an auto policy.

Drivers with a clean record typically pay the lowest premiums.6

Car insurance quotes across Pennsylvania cities

According to Insurify’s data, Pennsylvania’s car insurance rates are set to increase 35% by the end of 2024. But prices vary widely across the state. The table below shows the cost of car insurance across different cities in Pennsylvania.