Best Car Insurance in Pennsylvania for 2025 [PA’s Top 10 Companies]

State Farm, Geico, and Progressive stand out for offering the best car insurance in Pennsylvania, with State Farm offering minimum coverage rates at $26 per month.

Navigate Pennsylvania’s insurance requirements with our comprehensive car insurance guide covering mandatory PIP coverage, property damage minimums, and the top insurance providers.

Our Top 10 Company Picks: Best Car Insurance in Pennsylvania

Learn about common claim types, occupational discounts up to 15%, city-specific accident rates from Philadelphia to Erie, and how factors like credit score impact your premiums.

Compare quotes from multiple providers in Pennsylvania to find the best rates and coverage for your specific needs.

Get quotes from the best car insurance companies in Pennsylvania by entering your ZIP code into our free quote tool.

#1 – State Farm: Top Overall Pick

Pros

• Affordable Rates: State Farm is one of the best car insurance companies in PA, with full coverage rates for as low as $76 monthly.
• Extensive Agent Network: State Farm has many local PA agents to cater to personalized customer service.
• Excellent Discounts: As mentioned in our State Farm car insurance review, they provide discounts for safe drivers, students, and bundling.

Cons

• Limited Customization: While offering necessary coverage in Pennsylvania, State Farm lacks some specialized policy options found in other auto insurance companies in PA.
• No Gap Insurance: State Farm does not offer gap insurance for leased cars, which can be a downside for some Pennsylvania drivers.

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#2 – Geico: Best for Low Rates

Pros

• Low Premiums: Geico offers one of the best car insurance rates in PA, with monthly premiums as low as $23 for qualifying drivers.
• User-Friendly Digital Experience: The Geico mobile app and website help PA customers manage policies, file claims, and access support.
• Strong Financial Stability: Geico’s A++ rating from A.M. Best shows it is financially stable and provides reliable claim payouts.

Cons

• Limited Local Agent Support: PA drivers may need to study using new tools as Geico relies heavily on digital and phone-based support, with fewer in-person agents.
• Higher Rates: Our Geico car insurance review indicates that poor record drivers might see premiums as less competitive than those of other insurers.

#3 – Progressive: Best for Flexible Coverage

Pros

• Unique Perks: Our Progressive car insurance review covers added features like accident forgiveness, custom parts coverage, and rideshare insurance.
• Name Your Price Tool: Progressive has a unique tool that allows customers to set their budget and find coverage that fits their price range.
• Snapshot Telematics Program: Drivers in Pennsylvania can save by enrolling in the Snapshot program, which tracks safe driving habits.

Cons

• High-Risk Drivers: Progressive’s base rate tends to be more expensive for drivers with accidents or violations on their record.
• Mixed Reviews: Some Pennsylvania drivers report mixed reviews about claims processing and responsiveness issues.

#4 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Safe PA drivers can receive rewards by reducing their deductibles every time they are not involved in an accident.
• On Your Side Review: No more hassle because Pennsylvania policyholders can receive free annual insurance assessments to ensure they have the right coverage.
• Wide Range of Coverage Options: Pennsylvania drivers can enjoy Nationwide’s standard and specialized coverages, like gap insurance and total loss replacement.

Cons

• Inaccessible in Some States: According to Nationwide car insurance review, their policies are unavailable in all U.S. states.
• Limited Digital Features: Some drivers may find it inconvenient as the mobile app and online tools lack some advanced features.

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#5 – Allstate: Best for Customization

Pros

• New Added Feature: Allstate’s accident forgiveness is a versatile program that allows for personalized client protection.
• Drivewise® Telematics Program: According to Allstate car insurance review, policyholders can save money based on their safe driving habits through the Drivewise app.
• New Car Replacement: If your car is deemed a total loss within the first two model years, Allstate will replace it with a brand-new vehicle.

Cons

• Inconsistent Customer Service: Customers in Pennsylvania report inconsistent claims handling and slower-than-expected response times.
• Usage-Based Discounts Vary: Allstate programs like Drivewise and Milewise discounts depend on driving patterns.

#6 – USAA: Best for Military Families

Pros

• Customer Support: USAA keeps Pennsylvania customers happy by handling claims well and responding quickly.
• Cheapest Rates: USAA offers the lowest insurance rates in Pennsylvania, but only for military personnel and their families.
• Strong Financial Stability: USAA has an A++ rating from A.M. Best, showing its strength in handling claims, as shown in our USAA auto insurance review.

Cons

• Eligibility Restrictions: Its membership is exclusively available to military personnel, veterans, and immediate family members.
• Fewer Physical Locations: USAA’s online service might not be convenient for Pennsylvania drivers due to its few branches.

#7 – Travelers: Best for Variety of Discounts

Pros

• Trusted Financial Stability: As mentioned in our Travelers car insurance review, it’s known for financial reliability and timely claims payouts with an A++ rating from A.M Best.
• Numerous Discount Opportunities: Pennsylvania drivers can save more with discounts, like multi-policy bundling, safe driver incentives, and hybrid vehicle savings.
• Innovative Technology: The IntelliDrive program allows PA policyholders to earn discounts based on safe driving habits through a mobile app.

Cons

• Limited Savings Opportunities: Discounts and coverage options of Travelers are limited to some states.
• Customer Service Variability: Some Pennsylvania customers believe there is still a need to improve Travelers’ customer service.

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#8 – Liberty Mutual: Best for New Vehicles

Pros

• Extensive Discount Options: Pennsylvania drivers can save a lot through bundling, safe driver discounts, and programs like RightTrack.
• Good Mobile Experience: Liberty Mutual provides an app that eases Pennsylvania drivers ‘ policy management, claims filing, and roadside assistance requests.
• 24/7 Claims Assistance: Customers trust Liberty Mutual for its responsive support team and online tracking system.

Cons

• Higher Premiums: At $73 per month, Liberty Mutual is one of Pennsylvania’s more expensive car insurance options.
• Mixed Customer Reviews: Pennsylvania customers have reported different satisfaction levels with claims handling in our Liberty Mutual car insurance review.

#9 – Farmers: Best for Personalized Plans

Pros

• Reliable Agents: Farmers has a good record of easing customers’ problems with dedicated agents and personalized customer support.
• More Rewards: See our Farmers car insurance review on how PA drivers can save through multi-policy bundling, safe driver discounts, and affinity group savings.
• Innovative Perks: Safe drivers in Pennsylvania can save more with discounts from unique telematics programs like Farmers Signal.

Cons

• More Expensive Rates: Farmers’ monthly rate of $44 is more expensive than competitors, making it less of an option for budget-conscious Pennsylvania drivers.
• Average Digital Experience: Customers report a lack of upgraded features and slow transactions with farmers’ mobile and online tools.

#10 – American Family: Best for Young Drivers

Pros

• Combination of Discounts: Pennsylvania drivers can save up to 25% by bundling insurance, get discounts for good grades, and join the KnowYourDrive program for safe driving.
• Responsive Agents: American Family has good experience reviews and strong customer support, making claims processing for PA drivers easier.
• Generous Loyalty Rewards: Long-term Pennsylvania customers of American Family can save money with their decreasing deductibles.

Cons

• Expensive Premiums: American Family car insurance costs $36 monthly, slightly more expensive than competitors’ rates.
• Limited Digital Features: Tech-savvy users in Pennsylvania may find limited options and a lack of development in online tools, based on our American Family car insurance review.

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Auto Insurance Costs in Pennsylvania

Shopping around for the average cost of car insurance in Pennsylvania can save you a significant amount each year, which is why we are going to go through Quadrant Information Services’ data on everything that impacts rates.

Let’s start by seeing which PA car insurance companies have the cheapest rates. USAA and Geico have the cheapest rates in Pennsylvania, as they are significantly less than the state average.

Pennsylvania Car Insurance Monthly Rates by Coverage Level

As the statistics indicate, USAA, Geico, and State Farm lead the pack with the lowest monthly premiums, making them strong contenders for the best Pennsylvania car insurance. But premiums are only half the story. Be sure to research the average cost of car insurance in PA, discounts, and customer ratings before making your final choice.

Read more: How Car Insurance Works

Understanding Car Insurance in Pennsylvania

Before you hit the road in Pennsylvania, you need to meet the state’s minimum car insurance coverage. These are the bare minimums for financial protection in case of an accident.

• Bodily Injury Liability: $15,000 per person / $30,000 per accident
• Property Damage Liability: $5,000 per accident
• Medical Benefits (PIP): $5,000

While these meet legal standards, they often fall short of covering the full cost of common claims. This report card grades Pennsylvania on the risk factors that impact car insurance rates: traffic, theft, and weather.

Pennsylvania Report Card: Car Insurance Premiums

Despite lower claim costs, traffic and winter weather are still risks that can increase premiums or require more coverage.

It can be difficult to find the right car insurance company for your needs, knowing the most common claims helps you choose the right company and coverage that reflects the real world in Pennsylvania.

5 Most Common Car Insurance Claims in Pennsylvania

These common claims often exceed the state’s minimum coverage, especially for injuries. Higher limits and adding collision and comprehensive coverage can save you from out-of-pocket expenses.

Lowering Your Car Insurance Cost in Pennsylvania

Most of the top Pennsylvania insurers have a range of discounts that can lower your premium substantially. Student, military, and safe driver discounts are all available, no matter what category you fall into.

Car Insurance Discounts From Top Pennsylvania Providers

Knowing car insurance quotes, tips, and savings offered is one of the simplest methods to reduce your car insurance premiums. Compare rates between insurers to optimize your savings depending on your profile and lifestyle.

Just like your credit score, your driving record plays a significant part in how much you’ll pay for car insurance. Any DUIs, accidents, or speeding tickets on your record will increase your insurance premiums.

Companies in Pennsylvania vary in what they deem the worst offense to be. For example, Geico charges more for a speeding violation than a DUI, while other companies charge more for a DUI or accident than a speeding violation.

Accident and claim frequency differ significantly based on where you live in Pennsylvania as well.

Pennsylvania Accidents & Claims per Year by City

Major cities such as Philadelphia and Pittsburgh have significantly higher numbers of incidents than the smaller cities of Erie or Scranton, which can impact local pricing of insurance.

Regions with higher rates of accidents and claims are usually charged higher premiums based on higher risk. That is why keeping your record clean is particularly vital if you reside in a densely populated city such as Philadelphia or Pittsburgh.

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Things You Should Know about PA’s Car Insurance Coverage

Car insurance rates vary by state, and Pennsylvania is no exception. Premiums here are influenced by population density, accident rates, and most importantly, the types of coverage the state requires.

The good news is you can reduce your premium and still be protected on the road. It’s all about finding the right balance between affordability and coverage. After all driving without proper coverage puts you at financial and legal risk.

• • Bodily Injury Liability: Covers injuries you cause to others in an at-fault accident. Pennsylvania requires a minimum of $15,000 per person and $30,000 per accident.
  • Property Damage Liability: Pays for damage you cause to others’ property with a state minimum of $5,000.
  • Personal Injury Protection (PIP): Covers medical expenses for you and your passengers regardless of who’s at fault. Pennsylvania requires at least $5,000 in PIP coverage.
  • Uninsured/Underinsured Motorist Coverage: Highly recommended if you’re hit by a driver with little or no insurance.
  • Collision and Comprehensive Coverage: Collision pays for damage to your car in an accident, and comprehensive coverage covers non-collision events like theft, fire, or hail.

So, how much insurance do I need for my car? With the proper combination of mandatory and voluntary coverage, you can be covered without paying too much. Keeping your policy up to date and constantly comparing quotes helps ensure that you are getting value for your money.

Choosing the Right Car Insurance in Pennsylvania

State Farm, Geico, and Progressive are at the top of our list for the best car insurance in Pennsylvania. State Farm stands out for its affordable full coverage and great agent support. Geico is known for the lowest rates at $23 a month, and Progressive for the Name Your Price program feature (Read more: How the States Rank on Uninsured Drivers)

For the best value, it’s wise to evaluate quotes from various providers, whether you’re looking for competitive rates, comprehensive coverage, or exclusive offers. Enter your ZIP code now to discover auto insurance in PA that fits your requirements and financial plan.