Car insurance quotes in Pennsylvania
The average car insurance rate in Pennsylvania is $1,186 every six months, which is 2% in premium difference versus the national average rate.[1] Your auto insurance cost is influenced by age, location, driving history, credit score, etc. It also differs between insurers, which is why it’s essential to get multiple quotes.
Our Pennsylvania car insurance guide reviewed average rates from carriers in the state to help you find an affordable policy. Since 46% of PA drivers feel that they’re paying too much for car insurance, we’re here to offer insight so you’ll know what a fair rate looks like while searching for cheap car insurance.[2]
If you’re ready to see how much you can save, enter your ZIP code above to get quotes from top insurance companies.
Cheapest full coverage in PA
- Auto-Owners offers the cheapest full coverage in Pennsylvania at $52/mo.
See more full coverage companies in PA ↓
Best customer service in PA
- NJM Insurance Co. scored 721 (9.9% above average) in JD Power’s latest study — the highest in Pennsylvania. [3]
See more of the best companies in PA ↓
Cheapest liability coverage in PA
- Auto-Owners offers the cheapest liability coverage in Pennsylvania at $13/mo.
See more minimum coverage companies in PA ↓
Cheap full coverage in Pennsylvania
As of 2026, the average cost of car insurance in Pennsylvania is $1,186 for a 6-month policy. Full coverage typically includes comprehensive, collision, and liability coverage.
Below are the average rates from top companies in Pennsylvania. As you look at these costs, remember that your individual rates will likely differ. Rating factors such as age, specific ZIP code, driving history, and more are considered when an insurance company evaluates your profile.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $310 | $52 |
| Travelers | $712 | $119 |
| GEICO | $865 | $144 |
| Nationwide | $898 | $150 |
| Erie | $1,044 | $174 |
| Safe Auto | $1,099 | $183 |
| State Farm | $1,106 | $184 |
| Allstate | $1,201 | $200 |
| Progressive | $1,312 | $219 |
| USAA | $1,345 | $224 |
| Encompass | $1,572 | $262 |
Pennsylvania is one of 12 states in the U.S. that is considered “no-fault.” This means that regardless of whose fault an accident is, you pay for your own vehicle’s damage. These states typically have minimum coverage limits slightly different from the norm; they usually include personal injury protection (PIP) requirements, which help pay for medical costs and lost wages.
The PA minimum for medical benefits coverage is $5,000, but some drivers opt for higher limits. If you’re new to PA and haven’t insured a vehicle in a no-fault state before, take the time to familiarize yourself with the details and the state’s specific requirements. Remember that the more coverage you have, the higher your premiums.
What are the best car insurance companies in Pennsylvania?
We named NJM Insurance Co. the best car insurance company in Pennsylvania based on consumer reviews, third-party ratings (JD Power, Trustpilot, and AM Best), and details such as discount information and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
Cheap liability insurance in Pennsylvania
The average cost for minimum coverage insurance in Pennsylvania is $315 for a 6-month policy. For our user profile, Auto-Owners offers the most affordable minimum coverage options in the state.
Pennsylvania requires drivers to carry 15/30/5 liability limits, at least $5,000 in first-party medical benefits, and to choose either full or limited tort coverage. Pennsylvania is also a no-fault state, meaning all drivers must use their own insurance to cover their own costs if an accident occurs, regardless of who is at fault.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $80 | $13 |
| GEICO | $247 | $41 |
| Travelers | $249 | $41 |
| Erie | $270 | $45 |
| Safe Auto | $291 | $49 |
| USAA | $299 | $50 |
| State Farm | $303 | $51 |
| Progressive | $327 | $54 |
| Nationwide | $332 | $55 |
| Encompass | $359 | $60 |
| Allstate | $500 | $83 |
If you opt for better protection, you can choose a policy with comprehensive and collision. But better coverage comes with a higher price: in Pennsylvania, a full coverage policy with a $500 deductible costs $1,186, significantly more than minimum coverage insurance.
Local insights
Drivers near you in Pennsylvania weigh in
“Probably useless information for you but I’ve been with GEICO for almost 20 years. I only pay about $25/mo more now than when I started with them for the same limits/deductible/coverage.”
-Reddit user on r/Pennsylvania
“My rate actually decreased for this next period. I’ve been with Progressive for 10 years now, they quoted better than everyone else at the time and no-one’s ever come close enough to match it since.”
-Reddit user on r/Pennsylvania
Car insurance in popular Pennsylvania cities
Car insurance companies use many different factors to determine your rate, including where your vehicle is located. Check out the table below for the average car insurance costs in some of Pennsylvania’s biggest cities.
