Good news for Pennsylvania drivers: Jerry’s latest data shows that liability coverage in the Keystone State averages about $319 per month. Because Pennsylvania is one of the few choice no-fault states, drivers can pick between full tort and limited tort coverage — and that single decision can dramatically change how insurers price your policy.
Over the past year, we’ve helped 17,462 Pennsylvanians lock in more affordable coverage. Drivers who buy with Jerry save an average of $348 a year without trimming the protection they rely on.
Jerry compares quotes from up to 15 trusted insurers in Pennsylvania to build your policy and find your best rate in minutes.
Save on Pennsylvania insurance with Jerry.
What Pennsylvania drivers are paying right now
Insurance costs in Pennsylvania move more than most people expect. Rates swing with claim trends, weather patterns and even your region. For instance, a driver in Philadelphia often pays far more than someone in Altoona or Erie, even with identical cars and clean records.
Jerry tracks live quotes statewide to show you what drivers are actually paying today.
Here are a few recent full coverage policies purchased through Jerry, and what drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate occasionally. In Pennsylvania, everything from ice storms to rising injury claim costs to the choice between full and limited tort can nudge your premium up or down by renewal time.
4 easy ways Jerry helps Pennsylvania drivers save on car insurance
If you’re trying to cut your insurance costs in Pennsylvania, you’re in good company. But the cheapest quote on paper isn’t always the best deal, especially in a state where tort choice and medical claim patterns can make pricing complicated.
Jerry simplifies the process by comparing real quotes, uncovering discounts you might not realize you qualify for and showing you exactly where you can save without weakening your coverage.
Here are our top tips to save.
| How to save | Average Pennsylvania driver savings |
|---|---|
| Compare quotes | 28% to 48% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 16% to 71%* |
| Keep a clean driving record | 27%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Pennsylvania’s insurance pricing doesn’t follow a single pattern. Philadelphia and Pittsburgh have dense traffic and higher crash frequency, while most rural counties see far fewer claims but more deer strikes. Add in the tort-selection system and winter-weather losses, and you’ll find big price gaps from one insurer to the next.
Comparing quotes side by side with Jerry is the fastest way to find a fair price.
Here’s where Pennsylvania drivers who saved most often switched after comparing with Jerry:
| Insurance carrier | Pennsylvania drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 32% | 28% |
| First Acceptance | 18% | 31% |
| National General | 18% | 21% |
| Embark General | 12% | 39% |
| Root | 7% | 35% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Geography matters in PA, with some drivers paying more than others due to factors like congestion and claim frequency. Jerry shows these differences instantly so you can land the best rate and save over a third in some cases.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Pennsylvania drivers qualify for multiple discounts, for things like bundling home and auto, anti-theft devices, telematics participation, paperless billing or good-student discounts. But insurers won’t always stack them automatically.
Jerry finds the discounts you qualify for so you don’t miss out.
Key takeaway: Combining discounts often beats raising your deductible alone, when you’re aiming for long-term savings.
Jerry Agent Tip 3: Pick the right deductible
Choosing a higher deductible can drop your premium, but only if it’s a number you could actually afford after filing a claim. Pennsylvania drivers deal with icy roads, flash freezes and a high number of deer collisions, so make sure that out-of-pocket amount won’t create financial stress.
Here’s what Jerry drivers choose for deductibles:
To find your ideal deductible:
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Check your car’s current value (Jerry updates this monthly).
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Choose an amount you could reasonably cover on short notice.
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Use Jerry to see how each deductible option affects your rate instantly.
The Jerry difference: You’ll see real-time savings across multiple deductible levels so you can find the right balance of cost and protection.
Jerry Agent Tip 4: Keep a clean driving record
Tickets, at-fault crashes and serious violations hit premiums hard in Pennsylvania. Based on Jerry’s nationwide data, drivers see an average rate increase of about 27% after a single ticket, and more after a DUI or major collision.
Staying violation-free is one of the fastest ways to keep your price down over time, and Jerry automatically re-shops your policy as soon as older violations fall off.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Pennsylvania’s unique “choice no-fault” system means every driver must carry personal injury protection (PIP), but you also choose between:
- Full tort, where you can sue for pain and suffering
- Limited tort, with a restricted right to sue
That choice often matters more than people expect.
Here are the common coverage tiers in PA:
Minimum
$61 – $141/mo
Meets state-required liability, PIP and limited tort, but doesn’t cover damage to your own car.
Full
$144 – $353/mo
Adds collision and comprehensive coverage, typically required for financed or leased vehicles.
Standard
$173 – $388/mo
Often includes full tort, higher liability limits and optional medical payments.
Preferred
$211 – $490/mo
Higher liability, lower deductibles and extras like rental reimbursement or towing.
Key takeaway: Start with your comfort around risk, then look at your tort choice and vehicle value. Jerry shows real-time pricing across every tier so you can pick confidently.
The cheapest policy in Pennsylvania is minimum coverage, but a few affordable add-ons can make a difference when you need them. Here’s a quick look at what each type of coverage offers.
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Coverage definitions
Pennsylvania insurance factors at a glance
Insurance pricing in Pennsylvania is shaped by a mix of local risks and driving conditions. From turnpike traffic to icy winters and the state’s well-known deer population, these everyday factors play a big role in what you pay and how insurers assess your risk.
Winter weather
Snow, ice and sudden freeze-thaw cycles lead to higher crash and claim rates, making comprehensive coverage worth considering.
Deer collisions
Pennsylvania ranks among the top states for wildlife-related crashes every year. (Those fall under comprehensive, not collision coverage.)
Urban congestion
Philadelphia, Pittsburgh and Harrisburg experience higher accident and theft rates than rural counties.
Tort selection
Choosing full versus limited tort significantly affects cost and claim outcomes.
Pennsylvania Insurance After a Ticket, Accident or SR-22
One mistake doesn’t need to dictate your rates forever… and with Jerry, it won’t.
Even if your record isn’t perfect, you can still land competitive pricing. Jerry works with insurers that take a balanced view of violations and automatically re-shops your policy as your record improves.
If you got a ticket
Pennsylvania’s point system assigns different penalties depending on the violation, and accumulating too many points can lead to mandatory PennDOT testing or license suspension. A single ticket can raise your premium 15% to 30%, according to Jerry data.
A state-approved defensive driving course may help reduce points or qualify you for a discount. Jerry also shops for lower prices as soon as your violation clears.
Here are the average rate increases we’ve seen for Pennsylvania drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 4%
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Failure to obey traffic sign: 28%
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Reckless driving: 20%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Pennsylvania is technically no-fault for medical bills but still usesat-fault liability rules for vehicle damage. An at-fault crash typically raises rates by 32%, and those increases can last three to five years.
Jerry helps you secure your cheapest rate right away and automatically re-shops once the crash falls off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| At Fault With Injury | $260 |
| Not At Fault | $338 |
| At Fault With No Injury | $359 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Pennsylvania usually brings steep penalties and insurance increases. Rates stay elevated for several years, but some insurers offer more reasonable options. Jerry identifies those carriers and continues re-shopping as your record improves.
Here are the five cheapest insurance companies for Pennsylvania drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $177 | Yes | |
| $186 | Yes | |
| $192 | Yes | |
| $195 | Yes | |
| $204 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Pennsylvania
Pennsylvania generally only uses an FR-44 (or SR-22-equivalent financial responsibility requirement) in specific, serious cases. If you need one, select the SR-22 option in the Jerry app and we’ll show only insurers that file the paperwork. Most carriers charge around $25 per year to process it.
Car Insurance with Bad Credit
Pennsylvania allows insurers to use credit-based insurance scores, which means your credit can influence your premium. But it’s not the only factor. Maintaining continuous coverage, choosing the right deductible and shopping regularly often have a bigger impact on your final price.
Jerry compares quotes instantly so you always find your best option.
Average rates in Pennsylvania by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Pennsylvania’s blend of winding rural roads, busy city highways, harsh winters and a unique tort-selection system means there’s no single cheapest policy for everyone. The right plan is the one that fits how you actually drive, not a one-size-fits-all package.
Jerry makes it easy to build a policy tailored to life in the Keystone State and stay protected year-round.
Get Pennsylvania coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
