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Pennsylvania drivers looking for budget-friendly coverage can turn to State Farm, Erie, and Auto-Owners for their insurance needs.
Full-coverage auto insurance in Pennsylvania averages $165 per month, compared to the national average of $186. Your actual premium depends on multiple factors, including age, driving history, and where in the state you live. The most effective approach to determine your cost is obtaining quotes from several insurance companies.
Here, we analyze Pennsylvania's most affordable car insurance choices by coverage type, driver characteristics, and insurance provider.
Affordable full-coverage car insurance in Pennsylvania
Full-coverage auto insurance in Pennsylvania averages $165 monthly, compared to the national average of $186. Among Pennsylvania's most affordable options, State Farm, Erie, and Auto-Owners rank as the top cheapest car insurance providers statewide.
| Average monthly full coverage cost | |
| Pennsylvania average | $165 |
| National average | $186 |
| State Farm | $80 |
| Erie | $93 |
| Auto-Owners | $100 |
| Travelers | $122 |
Affordable liability-only car insurance in Pennsylvania
For drivers seeking basic liability coverage in Pennsylvania, National General, State Farm, and Progressive stand out as leading most affordable liability car insurance providers.
Liability-only coverage in Pennsylvania costs an average of $99 monthly, while the national average reaches $104.
| Average monthly liability-only cost | |
| Pennsylvania average | $99 |
| National average | $104 |
| National General | $70 |
| State Farm | $74 |
| Progressive | $100 |
| Erie | $86 |
Cheap car insurance in Pennsylvania by age
Age significantly impacts insurance costs. Car insurance for teens carries the steepest rates due to limited driving experience, with Pennsylvania policies averaging $327 monthly for full coverage.
Drivers in their 20s see premiums drop to approximately $211 per month. Costs continue declining through the 30s and 40s, averaging $180 and $171 monthly, respectively.
Rates can increase again for senior drivers. Pennsylvania residents in their 60s pay approximately $144 monthly for full coverage, while those in their 70s face $133 monthly premiums.
Age-related variations in pricing reflect how insurance companies assess risk across age groups, with inexperienced younger drivers considered higher risk and seniors sometimes facing elevated rates due to health-related driving concerns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $327 | $197 |
| 20s | $211 | $127 |
| 30s | $180 | $109 |
| 40s | $171 | $103 |
| 50s | $155 | $93 |
| 60s | $144 | $87 |
| 70s | $133 | $80 |
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Cheap car insurance in Pennsylvania for high-risk drivers
Generally, drivers with traffic violations or accidents have higher insurance costs. Getting car insurance if you have a bad driving record is going to be more expensive than if your record were clean because insurers see drivers with infractions as more risky to insure. Below are Pennsylvania's average rates for drivers with various infractions.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $194 | $117 |
| Speeding ticket | $221 | $133 |
| DUI | $265 | $160 |
Compare low-cost car insurance after an accident
Pennsylvania drivers with accidents on their record can find competitive rates through State Farm, Erie, and Auto-Owners. Full-coverage premiums for accident-prone drivers average $194 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $98 | $91 |
| Erie | $111 | $103 |
| Auto-Owners | $122 | $112 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Drivers with speeding violations in Pennsylvania can secure affordable coverage through State Farm, Erie, and Auto-Owners. Full-coverage policies for those with speeding tickets average $221 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $103 | $95 |
| Erie | $124 | $115 |
| Auto-Owners | $131 | $120 |
Compare low-cost car insurance after DUI conviction
Pennsylvania motorists with DUI convictions can find budget-friendly, full-coverage options with State Farm, Erie, and Auto-Owners. Full-coverage policies for DUI drivers average $265 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $125 | $115 |
| Erie | $145 | $134 |
| Auto-Owners | $156 | $144 |
Cheap car insurance in Pennsylvania by credit score
Pennsylvania drivers with excellent credit enjoy average monthly full-coverage premiums of $144. Those with poor credit see significantly higher costs, with monthly rates beginning at $211.
Credit scores influence insurance pricing because insurers may see those with sub-par credit as a payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $144 | $87 |
| Good | $156 | $94 |
| Average | $178 | $107 |
| Poor | $211 | $127 |
FAQs
How much does car insurance cost in Pennsylvania compared to other states?
Pennsylvania drivers pay slightly above the national average for full coverage car insurance. However, minimum coverage in Pennsylvania costs less than the national average, and urban areas like Philadelphia see significantly higher rates due to increased theft, vandalism, and accident frequency.
How do Pennsylvania's winter driving conditions affect my car insurance premiums?
Pennsylvania's sometimes harsh winters, particularly in northern and western regions, significantly impact insurance rates due to increased accident risks from snow, ice, and reduced visibility. Comprehensive coverage becomes more valuable for weather-related damage like hail, ice storms, and falling tree limbs, which can be common during Pennsylvania winters. Many insurers offer discounts for winter driving courses or vehicles equipped with all-wheel drive and advanced safety features.
Can I use a cash deposit instead of purchasing car insurance in Pennsylvania?
Pennsylvania allows drivers to post a $35,000 cash deposit with the state instead of maintaining traditional insurance coverage. However, this option leaves you vulnerable to unlimited liability for damages exceeding $35,000 and provides no coverage for your own vehicle or medical expenses, making traditional insurance the more practical and cost-effective choice for most drivers.
Bottom line
Although these companies may offer the most affordable rates in Pennsylvania, they might not represent the best value for your specific insurance requirements. The best approach to finding coverage that works for you involves obtaining quotes from multiple insurers and comparing them based on both cost and service quality.
Data throughout provided by Insurify.
Average rate:
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