Key Takeaways
- National General, Progressive and Safeco offer some of the cheapest car insurance in Pennsylvania.
- The average cost of car insurance in Pennsylvania is around $130 per month for minimum coverage.
- The best way to get the cheapest car insurance in Pennsylvania is to compare quotes from multiple insurers.
If you’re looking for cheap car insurance in Pennsylvania, check out insurers like National General, Progressive and Safeco. These were among the cheapest insurers in the state, based on policy quotes for real Jerry customers.
We’ve listed more of the cheapest options below for both minimum and full coverage, plus a variety of driving profiles, including age and driving history.
To find the best car insurance in Pennsylvania, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in PA
Pennsylvania drivers looking to meet legal insurance requirements without overpaying often turn to minimum coverage plans. These policies cover third-party costs related to injury or property damage, but your own vehicle is not included. They’re commonly used by drivers with paid-off cars or limited usage.
Below are the cheapest companies for liability car insurance in Pennsylvania, according to quote data from Jerry customers. To make sure they’re getting the best value, Pennsylvania motorists should evaluate options from several insurance carriers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $69 | $823 |
| National General | $87 | $1,047 |
| Embark General | $115 | $1,375 |
| First Acceptance | $115 | $1,385 |
| Dairyland | $121 | $1,450 |
| Kemper | $133 | $1,591 |
| Progressive | $134 | $1,602 |
| Clearcover | $140 | $1,676 |
| The General | $140 | $1,683 |
| Gainsco | $141 | $1,697 |
Liability car insurance, or minimum coverage, includes only Pennsylvania’s state-mandated coverage, which includes liability car insurance and medical benefits coverage. Minimum coverage is the most affordable auto insurance you can get, but it only covers others’ costs for injuries or property damage after a crash you cause.
Learn more: The cheapest car insurance in Pittsburgh
Cheap full coverage car insurance in PA
Getting cheap full coverage car insurance in Pennsylvania means selecting a policy that offers strong protection without excessive costs. Full coverage typically includes liability, collision and comprehensive insurance — covering incidents such as road accidents, snow damage, vandalism and theft. This level of coverage is especially valuable for newer or high-priced cars.
Here are the cheapest car insurance companies in Pennsylvania for Jerry customers with full coverage policies.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $171 | $2,051 |
| Aspire Advantage | $186 | $2,234 |
| Safeco | $244 | $2,930 |
| Progressive | $251 | $3,018 |
| National General | $263 | $3,161 |
| Assurance America | $271 | $3,257 |
| Gainsco | $282 | $3,381 |
| Embark General | $289 | $3,474 |
| Trexis | $301 | $3,615 |
| First Acceptance | $302 | $3,619 |
Learn more: The cheapest car insurance in Philadelphia
Minimum liability vs. full coverage in Pennsylvania
Full coverage costs more than a policy with just the state’s mandated minimums, but typically the minimum limits won’t cover all of the costs associated with a serious accident, including medical bills and repairs to property. If you carry the minimum coverage, you would be responsible for expenses that your insurance doesn’t cover.
If you have a loan or lease on your vehicle, the lender will require
In Pennsylvania, full coverage includes the state’s minimum requirements along with collision and comprehensive coverages. Here’s a breakdown of what these types of car insurance cover:
- Liability insurance: Covers injuries or damage you cause to someone else in an accident.
- Collision coverage: Helps pay for repairs to your vehicle that result from an accident, regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Helps pay for vehicle damage caused by a non-collision event like weather-related incidents, animal damage and theft.
Research the benefits and drawbacks of liability insurance vs. full coverage before you shop to make a confident decision.
Average car insurance costs for young drivers in Pennsylvania
In Pennsylvania, being young often translates to higher car insurance premiums due to limited exposure to real-world driving scenarios. New drivers are more likely to make costly mistakes, which leads providers to raise rates. It may take years of safe driving before insurers reduce premiums. Young Pennsylvanians can reduce costs through low-risk vehicle choices or driver training courses.
Below are the average monthly and annual car insurance costs for young driver age groups in Pennsylvania, according to quotes from Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $301 | $3,613 |
| 21-24 | $281 | $3,372 |
Cheap liability car insurance in Pennsylvania for a 20-year-old
A 20-year-old in Pennsylvania may choose liability-only car insurance to avoid the cost of full coverage on an older vehicle. This choice allows them to stay on the road without paying for protection they may not need. It’s a logical step for keeping insurance costs under control but remaining in compliance with the law.
Below are the five cheapest car insurance companies in Pennsylvania for a 20-year-old driver.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Clearcover | $96 | $1,155 |
| Safeco | $126 | $1,514 |
| Embark General | $144 | $1,728 |
| National General | $167 | $2,006 |
| Dairyland | $174 | $2,084 |
Cheap full coverage in Pennsylvania for a 20-year-old
Full coverage could be appealing to a 20-year-old dealing with a new car, a lease or simply wanting peace of mind with full protection. This insurance helps avoid the full financial burden after an accident or storm damage. It’s especially important when driving a newer car that’s not easily replaced.
Below are the five cheapest auto insurance companies in Pennsylvania for full coverage policies for 20-year-old drivers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Clearcover | $312 | $3,747 |
| Progressive | $347 | $4,158 |
| Root | $379 | $4,548 |
| The General | $405 | $4,864 |
| National General | $427 | $5,129 |
Average auto insurance costs for mature drivers in PA (25-54)
The cost of car insurance gets more affordable as drivers age and get more experience on the road. Jerry’s data shows that car insurance quotes in Pennsylvania are lower for those between the ages of 45 and 54 than they are for younger drivers. Pennsylvania drivers with an established record of responsible driving usually qualify for more affordable insurance since time spent behind the wheel builds credibility with insurers. With fewer claims filed, providers feel more confident offering better rates.
Here are the average costs of car insurance for mature drivers between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $228 | $2,734 |
| 35-44 | $200 | $2,401 |
| 45-54 | $193 | $2,312 |
Cheapest liability car insurance in Pennsylvania for a 35-year-old
A 35-year-old in Pennsylvania may lean toward liability-only coverage if they no longer see their car as a major investment. Having driven for many years without major incidents builds confidence in choosing a basic policy since it satisfies legal obligations without padding the premium cost.
Below are the five cheapest car insurance companies in Pennsylvania for liability car insurance for a 35-year-old, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $85 | $1,022 |
| First Acceptance | $99 | $1,193 |
| Safeco | $101 | $1,207 |
| Kemper | $101 | $1,216 |
| Dairyland | $102 | $1,223 |
Cheapest full coverage in Pennsylvania for a 35-year-old
A 35-year-old may select full coverage to navigate frequent vehicle use, weather changes and heavy traffic. Having that added protection helps reduce stress during daily commutes and it also offers financial support when accidents or unexpected damage occur. The added security is often worth it for those who depend on reliable transportation.
Here are the five cheapest auto insurers in Pennsylvania for a 35-year-old driver with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $131 | $1,576 |
| National General | $226 | $2,710 |
| Safeco | $236 | $2,831 |
| Progressive | $252 | $3,027 |
| Gainsco | $268 | $3,219 |
Average car insurance costs for older drivers in PA (55+)
Drivers in Pennsylvania over 55 may experience premium increases tied to reduced reaction speeds and changing health. Navigating traffic and unpredictable weather becomes more taxing with time and even experienced motorists may be viewed through a lens of future risk.
Below are average costs of car insurance for ages 55 and up in Pennsylvania.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $180 | $2,165 |
| 65+ | $205 | $2,464 |
Cheapest liability car insurance in Pennsylvania for a 65-year-old
In Pennsylvania, drivers over 65 often downsize their insurance coverage as their vehicle usage decreases. A paid-off car used mostly for short trips makes liability-only coverage appealing since this plan type meets legal requirements while keeping premiums low. It supports a cost-effective and practical retirement routine.
Here are the five cheapest companies in Pennsylvania for 65-year-olds with liability-only coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $84 | $1,005 |
| Safeco | $87 | $1,042 |
| First Acceptance | $93 | $1,117 |
| Dairyland | $94 | $1,129 |
| The General | $97 | $1,169 |
Cheapest full coverage in Pennsylvania for a 65-year-old
A 65-year-old in Pennsylvania may choose full coverage insurance to protect their vehicle from accidents, theft and seasonal hazards. Maintaining financial security by avoiding unexpected repair costs may be a priority. Seniors often rely on their cars for essential errands and social visits, appreciating the comprehensive protection full coverage offers.
Below are the five cheapest companies in the state for 65-year-old drivers with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $170 | $2,036 |
| Gainsco | $176 | $2,108 |
| Progressive | $219 | $2,632 |
| Safeco | $283 | $3,401 |
| Clearcover | $317 | $3,806 |
Cheapest car insurance in Pennsylvania by driving history
In Pennsylvania, insurance providers use your driving history to assess your likelihood of filing a claim. A record with previous violations or accidents can lead to stricter terms as insurers rely on this data to gauge the level of risk you pose. It’s a foundational part of your insurance evaluation.
Cheap car insurance for drivers with clean records in PA
Drivers in Pennsylvania with clean records often gain access to more competitive insurance rates. A clean record shows long-term commitment to safe driving practices and this reassures insurers and may unlock preferred policy options.
Below are the five cheapest auto insurers for Pennsylvania drivers with clean records, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $52 | $623 |
| Trexis | $119 | $1,425 |
| National General | $162 | $1,945 |
| Progressive | $167 | $2,004 |
| Anchor General | $171 | $2,056 |
Cheapest car insurance with a speeding ticket in PA
A speeding ticket in Pennsylvania can change how insurance companies view your risk level. These violations are taken seriously, even if no accident occurred and your rates or policy terms might be affected during your next renewal.
Here are the five cheapest car insurance companies for drivers in Pennsylvania with speeding tickets.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Kemper | $148 | $1,772 |
| First Acceptance | $179 | $2,154 |
| National General | $180 | $2,157 |
| Embark General | $203 | $2,438 |
| Progressive | $204 | $2,444 |
Cheapest car insurance after an at-fault accident with no injury in PA
An at-fault accident with no injury in Pennsylvania still carries consequences. These events show a lapse in judgment and may lead to higher premiums because property damage claims remain an important consideration for providers. Insurers record and evaluate all such incidents and factor them in to your policy pricing.
Below are the five cheapest auto insurers for drivers in the state with at-fault accidents with no injuries on their records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $155 | $1,858 |
| Commonwealth Insurance | $164 | $1,974 |
| Kemper | $166 | $1,989 |
| National General | $185 | $2,214 |
| First Acceptance | $218 | $2,618 |
Cheapest auto insurance after an at-fault accident with injury in PA
Injury-related accidents in Pennsylvania where you are at fault significantly raise your insurance risk. These events involve both medical and legal concerns and as a result, insurers often impose changes to your rates or coverage. It becomes a defining entry on your record for several years.
These are the cheapest car insurance companies for drivers in Pennsylvania with at-fault accidents with injuries on their records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $115 | $1,379 |
| National General | $147 | $1,767 |
| First Acceptance | $159 | $1,909 |
| Clearcover | $159 | $1,910 |
| Progressive | $169 | $2,034 |
Cheapest car insurance with a DUI in PA
A DUI conviction in Pennsylvania severely affects your insurance eligibility as it suggests unsafe decision-making and elevates your risk profile. Most insurers will respond by limiting policy options and increasing rates.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Infinity | $112 | $1,343 |
| Gainsco | $122 | $1,460 |
| First Acceptance | $160 | $1,925 |
| National General | $172 | $2,059 |
| Embark General | $181 | $2,175 |
Average auto insurance costs for Pennsylvania drivers with other violations
Other driving violations in Pennsylvania, like improper turns or disobeying signs, can gradually shape your insurance standing in a negative way. Insurers see these as indications of inconsistent driving habits and a pattern of minor infractions may result in higher costs.
Below are the average costs of car insurance in Pennsylvania for various other violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $232 | $2,783 |
| Cell Phone | $63 | $762 |
| Defective Equipment | $138 | $1,651 |
| Driving on Sus. License | $207 | $2,481 |
| Eluding Police | $296 | $3,555 |
Cheapest auto insurance for low credit scores in PA
In Pennsylvania, insurers may use credit scores to estimate a driver’s financial reliability. A low score may lead to higher rates based on perceived risk although credit is only one of several metrics reviewed.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $179 | $2,147 |
| Trexis | $190 | $2,276 |
| Safeco | $193 | $2,317 |
| Embark General | $206 | $2,472 |
| First Acceptance | $211 | $2,538 |
How to find cheap car insurance in Pennsylvania
The best way to get the lowest possible rate is to get quotes from multiple insurers. Other factors that contribute to a low-cost premium include a high credit score, a safe driving record and bundled home and auto insurance policies.
Minimum car insurance requirements in Pennsylvania
In Pennsylvania, the minimum liability requirements are:
- $15,000 in bodily injury liability for injury to one person.
- $30,000 for bodily injury liability for injury to several people in an accident.
- $5,000 for property damage.
Drivers are also required to carry a minimum of $5,000 in medical benefits coverage. This coverage pays for injuries and loss of income if you’ve been injured in an accident.
What happens if I stop paying for car insurance to save money?
You could face serious penalties if you stop paying for car insurance.
In the Keystone State, drivers who let their insurance lapse for 31 or more days could have their driving privileges revoked. Pennsylvania’s Department of Transportation, also known as PennDOT, could suspend your vehicle’s registration for three months, which means your car won’t be legally drivable.
If you’re caught driving uninsured, PennDOT charges a fine along with a fee to restore your registration. Because insurers label drivers with lapsed coverage as “high risk,” you’ll also likely pay a higher car insurance premium in the future.
If you cause a car wreck, you won’t have help from an insurer to pay for any injuries or property damage you cause. This means you’ll be financially responsible to pay those costs out of pocket.
Factors that determine your car insurance premium
Insurers use various factors to calculate your rate, which can include your:
- Age.
- ZIP code.
- Driving history and traffic violations record.
- Type of vehicle.
- Credit score.
- Vehicle usage.
- Claims history.
- Policy deductibles.
- Marital status.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
