The best cheap car insurance in Pennsylvania

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  • The average driver in Pennsylvania pays about $918 per year for car insurance coverage. 
  • Rates vary by person and are based on a number of factors, including your credit score. 
  • The best cheap car insurance in Pennsylvania is generally found through USAA or Erie Insurance for drivers with good or better credit, and Nationwide for drivers with poor credit. 
  • Shopping around is essential, and can help you get the best coverage for your money.
  • See Business Insider's picks for the best car insurance companies »

Car insurance in Pennsylvania isn't incredibly expensive, with the average driver paying about $918 per year for coverage, according to the Insurance Information Institute. 

But, auto insurance rates can vary widely by person, or even be very different for the same person between companies.

To get your best deal on car insurance, the most important thing you can do is shop around. Each auto insurance company prices your premium, or the amount you'll pay for coverage, differently according to a variety of factors.  Things like your gender, age, credit score, and the type of car you drive can all play a role in the price you pay.

The most popular car insurance companies in Pennsylvania

The following are the most popular car insurance companies in Pennsylvania, based on the percentage of insured Pennsylvania drivers who use them:

CompanyMarket share (%)
State Farm18.57
Erie Insurance13.46
Progressive11.45
Allstate11.22
GEICO8.79
Nationwide7.39
Liberty Mutual5.1
USAA*3.65
Travelers3.48
Farmers2.26
Donegal1.31
Penn National1.14
American Family0.87
The Hartford0.86
MetLife0.78
Westfield Insurance0.65
Safe Auto0.62
CSAA0.61
Auto Club Exchange0.59
NJM Insurance0.52

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Pennsylvania based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Mid-Atlantic (which includes Pennsylvania):

  1. State Farm
  2. Erie Insurance
  3. NJM Insurance
  4. GEICO
  5. Region Average
  6. Travelers
  7. Nationwide
  8. MetLife
  9. CSAA
  10. Progressive 
  11. Plymouth Rock
  12. Farmers
  13. The Hartford
  14. Liberty Mutual
  15. Allstate

The best cheap car insurance in Pennsylvania based on credit score

Consumer Reports collected car insurance pricing data and formulas from every company offering car insurance in every state. With this data, it calculated which companies offered the best prices for the average single driver in each state. Here are the three companies the data found had the best price for each state by credit type, along with each company's average premium for a single adult driver. 

Drivers with excellent credit, FICO scores 800-850, will see some of the best prices for auto insurance. These three companies offer competitive average prices: 

  • USAA car insurance: $834 per month
  • Erie Insurance car insurance: $913 per month
  • State Farm car insurance: $934 per month

Drivers with good credit, FICO scores 670- 739, should try these three companies for their car insurance coverage (average rates are listed):

  • USAA car insurance: $960 per month
  • Erie Insurance car insurance: $1,016 per month
  • Nationwide car insurance: $1,113 per month

Drivers with poor credit scores, FICO scores 300-579, will see some of the higher costs for coverage, on average. 

  • Nationwide car insurance: $1,399 per month
  • USAA car insurance: $1,449 per month
  • State Farm car insurance: $2,149 per month 

The best car insurance for drivers with a clean record

For a driver in Pennsylvania age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Safeco$93
Safe Auto$116
Travelers$123
Root$126
Progressive$127
GEICO$130
State Farm$136
USAA*$145
Farmers$146
Liberty Mutual$150
Allstate$169
Esurance$182
Bristol West$212

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 2,542 policyholders in the state of Pennsylvania

The best car insurance for one or more accidents on record

For a driver in Pennsylvania age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
GEICO$132
Bristol West$133
Progressive$157
Allstate$161
Esurance$182
Farmers$234

Above data obtained from Savvy, based on 2,542 policyholders in the state of Pennsylvania

Pennsylvania car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Pennsylvania's most populous cities:

CityAverage annual insurance premium
Philadelphia$1,379
Pittsburgh$1,369
Allentown$1,352
Erie$1,310
Reading$1,263
Bethlehem$1,435
Scranton$1,327
Lancaster$1,346
Levittown$1,566
Harrisburg$1,303
York$1,282
State College$1,316
Altoona$1,310
Wilkes-Barre$1,283
Norristown$1,383
Chester$1,247
Bethel Park$1,552
Williamsport$1,274
Drexel Hill$1,551
Plum$1,551
Monroeville$1,457
Easton$1,409
Lebanon$1,313
Hazleton$1,317
Pottstown$1,382
Allison Park$1,584
New Castle$1,279
King of Prussia$1,581
Chambersburg$1,378
Murrysville$1,615
Baldwin$1,470
Carlisle$1,420
West Mifflin$1,432
Upper St. Clair$1,716
West Chester$1,411
Johnstown$1,214
McKeesport$1,241
Phoenixville$1,488
Lansdale$1,484
Hermitage$1,472

Data from S&P Global Intelligence

Who gets the best car insurance in Pennsylvania?

As the prices above indicate, drivers with good credit scores will get the best prices. There are several other factors that go into the price you'll pay for car insurance, including the type of car you drive and where you live in the state.

Given that all of these factors are weighted differently by each company, there's an opportunity to save by shopping around. You'll want to get quotes from several different companies and compare them. Look for the policy that has the most coverage types and the highest limits, and also look for the deductible, or the amount you'll pay out of pocket if you get into an accident. 

There's a lot that goes into the price you'll see on your insurance policy, so it's worth shopping around to see who will give you the most coverage for the least money. 

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