Best Car Insurance in Pennsylvania for 2025

With abundant historic sites and stunning natural beauty, Pennsylvania has much to explore by car. But before deciding to hit the road in the Keystone State, the cost of car insurance may make some people do a double take.

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Key takeaways

The best car insurance in Pennsylvania for customer satisfaction is Erie, which costs $101 per month for comprehensive coverage.
Drivers with a clean driving record pay an average of $174 per month for full coverage.
Philadelphia residents pay the most for car insurance in Pennsylvania, an average of $305 per month for full coverage.

Best car insurance companies in Pennsylvania

Drivers in Pennsylvania pay an average of $174 per month for full coverage car insurance and $100 per month for minimum liability coverage. See how these rates compare across a range of insurers below.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
Erie	863/1,000	$101	$86
State Farm	843/1,000	$88	$74
Allstate	825/1,000	$153	$130
Nationwide	820/1,000	$173	$147
GEICO	818/1,000	$134	$121
Progressive	814/1,000	$161	$84

Erie: Highest customer satisfaction

Erie Insurance is a regional carrier available in 12 states, including Pennsylvania. It earned the highest customer satisfaction rating in the state and had the most affordable minimum liability coverage. Erie offers traditional and some specialty policies, including personal item coverage and auto glass repair.

Pros

Among the lowest minimum coverage and full coverage rates in the state
Erie has multiple agents throughout Pennsylvania

Cons

Erie doesn't have as many discounts as other insurance companies
You may find more coverage options with some competitors

Get a quote now | Erie review

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State Farm: Most affordable coverage

State Farm has some of the lowest full coverage auto insurance costs in Pennsylvania and the second-highest customer satisfaction score. State Farm also offers more discount options than some competitors, including up to 25% off for new drivers.

Pros

It has agents throughout Pennsylvania
State Farm earned 843 out of 1,000 in customer satisfaction

Cons

State Farm does not offer some specialty coverages, such as traditional gap insurance
High-risk drivers may find better pricing with a competitor

Get a quote now | State Farm review

Allstate: Best for multi-driver discounts

Allstate's full coverage insurance is the among the most expensive in Pennsylvania, costing a monthly average of $153. It also had the one of the highest prices for minimum car insurance, averaging $130 per month. Despite its higher cost, its coverage options and extensive discounts, including its bundling or multi-policy discounts, could make it a good option for some people.

Pros

Allstate has many policy options, including accident forgiveness and gap coverage
It has several agents spread across the state

Cons

You'll likely find lower prices with a competitor
It earned only average customer service ratings in Pennsylvania

Get a quote now | Allstate review

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Nationwide: Best for coverage options

Nationwide's full coverage insurance costs an average of $173 per month in Pennsylvania, and its minimum insurance averages $147 per month, well above some competitors. Despite the higher prices, it may be a good choice for some because of its multiple coverage options. Nationwide offers standard policies but has many specialty options, including gap coverage, accident forgiveness, and a vanishing deductible.

Pros

Nationwide offers speciality policies like gap coverage and accident forgiveness
It offers customer loyalty benefits, including key fob replacement

Cons

Nationwide had more expensive minimum coverage than some competitors
It had a below-average customer satisfaction rating

Get a quote now | Nationwide review

GEICO: Best for high-risk drivers

People with DUIs, speeding tickets, or at-fault accidents on their records generally pay more than average for car insurance. High-risk drivers in Pennsylvania pay a monthly average of $195 for full coverage, compared to the state average of $174. While GEICO was a more expensive carrier on our list of the best car insurance companies compared to some competitors, it may be a good option since it insures high-risk drivers and can file required SR22 forms.

Pros

GEICO has multiple policy options, like mechanical breakdown insurance for new cars
It offers multiple discounts, including multi-vehicle and good driver

Cons

GEICO's full coverage insurance is more expensive than that of some competitors
It has the second-lowest customer satisfaction score on our list

Get a quote now | GEICO review

Pennsylvania auto insurance requirements

Drivers in Pennsylvania must maintain the following minimum amounts of insurance to drive legally:

$15,000 for the injury or death of one person in an accident
$30,000 for the injury or death of more than one person in an accident
$5,000 for damage to the property of another person

These rates are relatively low compared to other states, and drivers may want higher coverage limits to ensure they're adequately protected after an accident.

How to choose a car insurance provider in Pennsylvania

If you're researching a new car insurance provider in Pennsylvania, consider the following to help you get the right coverage:

Ask for recommendations: Ask friends and family for recommendations and check review websites like the Better Business Bureau to see what existing customers say. Take some complaints with a grain of salt, but be wary of companies with multiple complaints for the same issue.
Check if a company can pay claims: Before starting a policy, check the company's ability to pay claims on a website like Standard & Poor's or AM Best. It's also wise to check with the Pennsylvania Insurance Department or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in the state and doesn't have excessive complaints.
Compare quotes: Get quotes from at least three companies and ensure the policy amounts, coverage options, and discounts are similar for an accurate comparison. It's also wise to confirm the policy types and amounts match your current insurance so you don't accidentally step down your coverage.

How much does car insurance cost in Pennsylvania?

The average cost of car insurance in Pennsylvania is $174 per month for full coverage, compared to the national average of $193. Pennsylvania's minimum car insurance costs an average of $100 per month.

Drivers in Philadelphia pay an average of $305 per month, the most in the state, while drivers in Lancaster pay the least, an average of $160 per month.

Pennsylvania car insurance rates by city

Many factors, including age, driving record, and credit history, can affect your insurance rates. Your city's crime rate can also contribute to higher insurance rates since higher crime rates tend to lead to more insurance claims.

City	Avg. monthly full coverage premium
Philadelphia	$305
Erie	$158
Scranton	$169
Allentown	$192
Pittsburgh	$171
Lancaster	$160

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Pennsylvania

What are the minimum car insurance coverage requirements in Pennsylvania?

The minimum insurance requirements in Pennsylvania are $15,000 for the injury or death of one person in an accident and $30,000 for the injury or death of more than one person in an accident. Drivers must also carry $5,000 for damage to another person's property.

How much does car insurance cost in Pennsylvania?

Car insurance in Pennsylvania costs an average of $174 per month for full coverage and $100 for minimum coverage.

Which car insurance companies cover Pennsylvania?

Many nationally recognized insurance companies cover Pennsylvania, including Allstate, State Farm, GEICO, Nationwide, and regional carrier Erie Insurance.

Data throughout provided by Insurify.

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