Best Car Insurance in Pennsylvania for 2025 [Find the Top 10 Companies Here] Car Insurance Guide (Cheap Rates + Best Companies)
The best car insurance in Pennsylvania comes from State Farm, Geico, and Progressive. State Farm ranks first, with a monthly rate of $26, and provides saving discounts for safe drivers. Top providers like Geico provide an A++ rating in claim handling, while Progressive offers flexible coverage options for drivers.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Feb 8, 2025
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Company Facts
Full Coverage in Pennsylvania
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Pennsylvania
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Pennsylvania
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm, Geico, and Progressive stand out as the best car insurance in Oklahoma, with State Farm offering full coverage monthly rates at $26.
Our car insurance guide can provide great deals and a list of the best offers, comprehensive coverage, and exceptional services. Consider Geico’s offer of an affordable premium with a monthly rate of $23 and various coverage options provided by Progressive.
Our Top 10 Company Picks: Best Car Insurance in Pennsylvania
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 17% | B | Safe Drivers | State Farm | |
#2 | 25% | A++ | Low Rates | Geico | |
#3 | 10% | A+ | Flexible Coverage | Progressive | |
#4 | 20% | A+ | Vanishing Deductible | Nationwide | |
#5 | 25% | A+ | Customization | Allstate | |
#6 | 10% | A++ | Military Families | USAA | |
#7 | 13% | A++ | Discount Variety | Travelers | |
#8 | 25% | A | New Vehicles | Liberty Mutual | |
#9 | 20% | A | Personalized Plans | Farmers | |
#10 | 25% | A | Young Drivers | American Family |
These three providers are the best options for affordable car insurance in Pennsylvania. Get the best car insurance companies in Pennsylvania by entering your ZIP code into our free quote tool.
- Pennsylvania drivers enjoy affordable premiums and customer support
- Geico and Progressive both offer extensive discount opportunities
- USAA offers cheapest rates as low as $19 monthly for military families
#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: To give you an idea of car insurance rates in Pennsylvania, State Farm offers full coverage for as low as $26 monthly.
- Extensive Agent Network: State Farm provides thousands of local agents to cater to personalized customer service.
- Excellent Discounts: State Farm car insurance review can help you with discounts like safe drivers, students, and bundling policyholders.
Cons
- Limited Coverage Customization: While offering necessary coverage, State Farm lacks some specialized policy options found in other insurers.
- No Gap Insurance: State Farm does not offer gap insurance for leased cars, which can be a downside for some drivers in Pennsylvania.
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#2 – Geico: Best for Low Rates
Pros
- Low Premiums: Geico offers one of the cheapest rates in Pennsylvania, with monthly premiums as low as $23 for qualifying drivers.
- User-Friendly Digital Experience: The Geico mobile app and website help customers manage policies, file claims, and access support.
- Strong Financial Stability: Geico’s A++ rating from A.M. Best shows it’s a financially secure provider with reliable claim payouts.
Cons
- Limited Local Agent Support: 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 shows that drivers with poor records may find premiums less competitive than other insurers.
#3 – Progressive: Best for Flexible Coverage
Pros
- Unique Perks: Our Progressive car insurance review offers 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 Snapshot®, 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 drivers can receive rewards by reducing their deductible every time they are not involved in an accident.
- On Your Side® Review: No more hassle because 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, auto insurance 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: Accident forgiveness is a versatile quality offered by leading providers like Allstate, allowing 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 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® savings depend on driving behavior.
#6 – USAA: Best for Military Families
Pros
- Customer Support: USAA has reasonable customer satisfaction, with its strong claims support and responsive service.
- Cheapest Rates: USAA offers the most affordable insurance rates of $19 monthly, especially 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: Travelers has an A++ rating from A.M. Best, known for financial reliability and timely claims payouts.
- Numerous Discount Opportunities: Drivers can save more with discounts, like multi-policy bundling, safe driver incentives, and hybrid vehicle savings.
- Innovative Technology: The IntelliDrive® program of travelers allows policyholders to earn discounts based on safe driving habits through a mobile app.
Cons
- Limited Savings Opportunities: Discounts and coverage options of Travelers are unavailable in every state.
- Customer Service Variability: Some Pennsylvania customers believe there is still a need to improve Travelers’ customer service.
Read more: How Car Insurance Works
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#8 – Liberty Mutual: Best for New Vehicles
Pros
- Extensive Discount Options: Drivers in Pennsylvania can save a lot through bundling, safe driver discounts, and programs like RightTrack.
- Good Mobile Experience: Liberty Mutual provides an app that eases drivers for 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 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 benefits telematics programs like Signal®.
Cons
- More Expensive Rates: Farmers’ monthly rate of $44 is more expensive than competitors, making it less of an option for budget-conscious 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 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 drivers easier.
- Generous Loyalty Rewards: If you are a long-term customer of the American Family, you 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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Cheapest Car Insurance Companies in Pennsylvania
Shopping around for rates 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.
Pennsylvania Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$50 | $148 | |
$36 | $108 | |
$44 | $131 | |
$23 | $68 | |
$73 | $219 | |
$29 | $86 | |
$49 | $149 | |
$26 | $76 | |
$25 | $75 | |
$19 | $57 |
Let’s start by seeing which Pennsylvania companies have the cheapest car insurance rates. USAA and Geico have the cheapest rates in Pennsylvania, as they are significantly less than the state average.
Car Insurance Discounts From the Top Providers in Pennsylvania
Insurance Company | Available Discounts |
---|---|
Multi-policy, Safe driver, New car, Anti-theft device, Early signing, FullPay, Good student, Smart student | |
Multi-policy, Loyalty, Good driver, Defensive driving, Steer into Savings®, Teen driver, Low mileage | |
Multi-policy, Good student, Signal® app, Distant student, Homeowner, Pay-in-full, Safe driver | |
Multi-policy, Good driver, Military, Federal employee, Good student, Emergency deployment, Vehicle equipment | |
Multi-policy, New vehicle, Alternative energy, Vehicle safety features, Violation-free, Telematics-based | |
Multi-policy, SmartRide®, SmartMiles®, Accident-free, Defensive driving, Good student, Family Plan | |
Multi-policy, Snapshot® program, Homeowner, Continuous coverage, Safe driver, Teen driver, Good student | |
Multi-policy, Drive Safe & Save™, Good student, Accident-free, Defensive driving, Vehicle safety, Student away | |
Multi-policy, Safe driver, Hybrid/electric vehicle, Homeowner, IntelliDrive® app, Good student, New car | |
Multi-policy, Safe driver, Good student, Defensive driving, Vehicle storage, Family legacy |
Progressive is the most expensive out of the cheapest companies, costing almost 10 percent more than the state average in Pennsylvania.
Read more: How Car Insurance Works
Best Car Insurance Companies in Pennsylvania
With so many drivers on the roads these days, there’s an equally large number of car insurance companies.
It can be difficult to find the right car insurance company for your needs, which is why we are going to break down Pennsylvania companies.
This way, you can pick a car insurance company that has the right services and rates for you. So stick with us as we go through everything from companies’ financial ratings to costs.
Read more: car insurance quotes, tips, and savings
Largest Car Insurance Companies in the State
While we’ve gone through companies’ rates and customer satisfaction ratings, we want to take a look at the largest companies in Pennsylvania.
Pennsylvania Report Card: Car Insurance Premiums
Category | Grade | Explanation |
---|---|---|
Average Claim Size | A- | Lower claim costs |
Traffic Density | B+ | High urban congestion |
Vehicle Theft Rate | B | Moderate theft levels |
Weather-Related Risks | B- | Snow and ice impact |
Uninsured Drivers Rate | C+ | Higher uninsured rate |
State Farm has the largest market share in Pennsylvania, followed by Erie Insurance. Farmers Insurance has the smallest market share, but don’t let this turn you away.
Pennsylvania Report Card: Car Insurance Discounts
Discount Name | Grade | Savings | Participating Providers |
---|---|---|---|
Military | A+ | 20% | USAA, Geico |
Safe Driver | A | 20% | State Farm, Geico, Allstate, Progressive, USAA |
Good Student | A | 19% | State Farm, Geico, Allstate, Progressive, Nationwide, USAA |
Occupational | A | 15% | Allstate, American Family, Farmers, Liberty Mutual, Nationwide, Progressive, Travelers, Geico |
Bundling | A | 13% | Allstate, Nationwide, State Farm, Travelers, USAA |
Paid-in-Full | B+ | 9% | Allstate, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA |
Safety Devices | B | 3% | Allstate, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, USAA |
A company’s loss ratio is important, and Farmers Insurance has a great loss ratio. All of the largest companies earned their spots on the list, as they all have good loss ratios that show a solid financial future.
Read more: minimum car insurance coverage
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Driving Record Rates by Companies
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.
Pennsylvania Accidents & Claims per Year by City
City | Accidents per Year | Claims per Year |
---|---|---|
Allentown | 1,500 | 1,100 |
Philadelphia | 12,000 | 9,000 |
Pittsburgh | 4,000 | 3,000 |
Whatever companies charge for individual offenses, a bad driving record will cost drivers hundreds or thousands at insurance providers.
Maintain a clean driving record to secure lower car insurance rates and avoid costly premium increases.
Jeffrey Manola Licensed Insurance Agent
Keep in mind, too, that the table shows the average price increases for the first offense and subsequent offenses will cost more.
Read more: How Car Insurance Works in 2025 (Understand Your Coverage)
Things You Should Know about Car Insurance Coverage and Rates
Every state has different rates. Some states simply have more expensive for car insurance because of several factors, such as what coverages the states require.
Car Insurance Discounts From Top Pennsylvania Providers
Insurance Company | Military | Safe Driver | Good Student | Occupational | Bundling |
---|---|---|---|---|---|
10% | 22% | 19% | 10% | 13% | |
10% | 10% | 10% | 10% | 10% | |
10% | 10% | 12% | 10% | 8% | |
15% | 22% | 17% | 8% | 10% | |
10% | 10% | 18% | 10% | 11% | |
10% | 10% | 19% | 10% | 7% | |
10% | 10% | 14% | 10% | 10% | |
10% | 30% | 15% | 10% | 12% | |
10% | 10% | 12% | 10% | 8% | |
15% | 10% | 16% | 15% | 12% |
The good news is that with careful planning, you can bring your costs down to a manageable level while still getting great coverage.
5 Most Common Car Insurance Claims in Pennsylvania
Claim Type | Portion of Claims | Cost per Claim |
---|---|---|
Property Damage Liability | 30% | $5,000 |
Personal Injury Protection (PIP) | 25% | $20,000 |
Bodily Injury Liability | 20% | $25,000 |
Collision Coverage | 15% | $4,601 |
Comprehensive Coverage | 10% | $3,000 |
We understand it’s a balancing act. But you don’t want to get caught with no insurance for legal and liability reasons
Read more: How Much Insurance Do I Need for My Car?
Choosing the Right Car Insurance in Pennsylvania
To identify the top car insurance provider in Pennsylvania, seek one that is cost-effective, provides excellent customer support, and offers adaptable coverage choices.
Always compare quotes from multiple providers and maintain a clean driving record to secure the best car insurance rates.
Ty Stewart Licensed Insurance Agent
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 insurance options that fit your requirements and financial plan.
Read more: How the States Rank on Uninsured Drivers
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Frequently Asked Questions
What is the average cost of car insurance in Pennsylvania?
The average cost of car insurance in Pennsylvania is approximately $117 per month for full coverage, though it varies based on factors like age, driving record, and location.
Which company offers the best car insurance in Pennsylvania?
The best car insurance in Pennsylvania providers include State Farm, Geico, and Progressive, offering competitive rates and excellent customer service. To find additional information, please enter your ZIP code now.
How much is the average car insurance cost in Pennsylvania for minimum coverage?
The average car insurance cost in Pennsylvania for minimum coverage is around $42 per month, but your rate depends on your driving history and location. To provide further details, check out our car insurance basics.
What are the top auto insurance companies in Pennsylvania?
Some of the best auto insurance companies in Pennsylvania include Progressive, State Farm, Geico, and USAA .
Which car insurance companies in Pennsylvania provide the cheapest rates?
Many car insurance companies in Pennsylvania, such as USAA, Geico, and Travelers, offer budget-friendly policies with various discounts. To check for more details, enter you ZIP code now.
What is the average cost of car insurance in Pennsylvania for high-risk drivers?
The average cost of car insurance in Pennsylvania for high-risk drivers, such as those with DUIs or multiple accidents, can be significantly higher, often exceeding $210 per month. Try to learn safe driving tips.
How much does auto insurance in Pennsylvania cost compared to other states?
The auto insurance in Pennsylvania is near the national average, though urban areas like Philadelphia tend to have higher premiums.
Where can I find the best car insurance rates in Pennsylvania?
To secure the best car insurance rates in Pennsylvania, compare quotes from multiple providers, take advantage of discounts, and maintain a clean driving record. Make sure to enter your ZIP code now.
What is the best Pennsylvania auto insurance for high-risk drivers?
The best Pennsylvania auto insurance for high-risk drivers includes providers like The General and Bristol West, which specialize in covering drivers with accidents, tickets, or DUIs. Obtain complete insight by checking out our guide, “Car Maintenance Expenses.”
What is the best car insurance in Pennsylvania, particularly in ZIP code 19148?
The best car insurance in Pennsylvania is generally higher than the state average, with residents in car insurance 19148 ZIP code typically paying around $150 or more per month for coverage due to higher accident rates,