Cheapest Car Insurance in Pennsylvania

Pennsylvania, the Keystone State, offers a treasure trove of opportunities for cheap car insurance in 2023. It’s like discovering a rare gem in a sea of choices. Here, insurance rates typically decrease until around 70, after which they might edge up due to more senior drivers experiencing accidents. An interesting point: Pennsylvania doesn’t use gender to determine insurance prices, ensuring fair treatment for everyone. Let’s look at options for the cheapest car insurance in Pennsylvania.

The average cost of the state’s minimum coverage is around $398 annually. That’s an astonishing 74% lower than the national average! Choosing this basic coverage is usually more economical than opting for full coverage. However, factors like age, credit scores, and driving history significantly influence insurance rates in Pennsylvania. It’s akin to assembling a puzzle, where each piece shapes what you pay for your car insurance. If you’re seeking exceptional auto coverage, don’t overlook our carefully selected roster of the best car insurance companies in the Keystone State.

Cheapest Car Insurance in Pennsylvania – September 2023

In September 2023, Pennsylvania car insurance costs varied based on different situations. Minimum coverage costs about $33 each month or $398 yearly, saving $918 compared to full coverage. Full coverage might cost around $2,269 annually if you’ve had a speeding ticket. Still, Travelers usually offers a cheaper option at $1,133 yearly or $94 monthly.

Full coverage for drivers with recent accidents could average $2,820 annually or $235 monthly. Travelers often have the cheapest deal here, at $1,198 yearly or $100 monthly. If you have a DUI, full coverage might run about $2,977 yearly or $248 monthly, but Travelers could offer it at $1,291 yearly or $108 monthly.

Drivers with poor credit might see estimates around $3,220 yearly or $268 monthly. Still, Nationwide could offer a better deal at $1,589 yearly or $132 monthly for full coverage.

What is the cheapest car insurance in Pennsylvania?

Pennsylvanians typically spend around less on car insurance compared to the national average. Among Pennsylvania’s major car insurance companies, Travelers is the cheapest option. Travelers offers rates as low as $76 per month for full coverage, while their liability coverage costs as little as $21 per month. These rates make Travelers an affordable choice for drivers seeking budget-friendly car insurance in Pennsylvania.

How we chose the cheapest companies in Pennsylvania

Choosing Pennsylvania’s most cost-effective car insurance companies involved a comprehensive data analysis. We scrutinized quotes from various insurers across the state, considering coverage diversity, policyholder profiles, and regional intricacies.

Our evaluation encompassed not just base premiums but also discount offerings, customer feedback, and the financial stability of these providers. This meticulous approach guarantees our recommendations offer budget-conscious choices alongside exceptional service and steadfast reliability for drivers in Pennsylvania. Explore avenues to save up to 40% on potential premium car insurance deals through our insights tailored to your needs, ensuring quality coverage while maximizing savings.

Comparing car insurance quotes can help you zero in on the best deal that falls within your budget and provide the coverage you need in case of an accident. You can use Beem to find the best insurance quotes to help you make the right choice.

Cheap car insurance in Pennsylvania

In Pennsylvania, finding cheap car insurance involves considering various scenarios. Travelers emerges as the cheapest option for full coverage, offering rates at $982 yearly or $82 monthly. Travelers tends to provide the most budget-friendly coverage in situations involving a recent DUI or at-fault accident. Meanwhile, Nationwide stands out as the cheapest insurance company in Pennsylvania for individuals with bad credit. Their rates make them a favorable choice for those seeking economic car insurance coverage in the state. 

Pennsylvania Rates for Teen Drivers

In Pennsylvania, teen drivers often face higher car insurance rates due to their limited road experience, making them more prone to accidents. To find affordable coverage, Pennsylvania drivers with teenage kids on their policy should consider getting quotes from multiple insurance companies. 

Generally, full coverage car insurance for teen drivers in Pennsylvania can be costly. Based on our findings, Travelers typically offers relatively cheaper options for 16-year-old drivers, charging around $2,265 annually or $189 monthly. On average, Travelers remains a budget-friendly choice for teen drivers, with rates averaging $2,929 yearly or $244 monthly. Apart from Travelers, USAA, State Farm, and Geico also present affordable options for teen drivers seeking full coverage car insurance in Pennsylvania.

Cheapest for 20-year-old drivers

Car insurance rates for 20-year-old drivers in Pennsylvania can be high, but there are ways to find more affordable options. While younger drivers generally pay more, those in their early 20s might find slightly better rates than teens. Getting multiple quotes is critical, as prices tend to drop with more driving experience. Shopping around helps find companies consistently offering better rates for young drivers.

Cheapest full coverage car insurance in Pennsylvania for 20-year-olds

Several insurers provide budget-friendly options for 20-year-old drivers in Pennsylvania seeking comprehensive coverage. Travelers offer an annual rate of $2,048, equivalent to about $171 monthly. Other alternatives include American National at $2,424 annually or approximately $202 monthly, Selective at $2,752 yearly or around $229 per month, and Erie at $3,024 per year or roughly $252 per month.

Cheapest minimum coverage car insurance in Pennsylvania for 20-year-olds

Drivers desiring basic state-required coverage can explore companies offering economical rates. Travelers stand out with a yearly average of $499, which is about $42 monthly. Selective and American National also offer comparable rates at $668 annually or around $56 monthly.

Cheapest auto insurance in Pennsylvania for 20-year-olds with poor credit

20s drivers in Pennsylvania facing credit challenges may find feasible options with specific insurance providers. American National presents an annual rate of $992 or approximately $83 monthly. Geico offers a slightly higher rate at $1,147 per year, equivalent to about $96 monthly, and Travelers at $1,295 yearly or roughly $108 monthly.

Cheapest auto insurance in Pennsylvania for 20-year-olds with one speeding ticket

If you are a driver in Pennsylvania with a recent speeding ticket, you can consider insurers providing affordable minimum coverage. Travelers offer a yearly average of $610, approximately $51 monthly. Erie and Progressive provide alternatives at $784 per year or around $65 monthly and $840 annually, equivalent to about $70 monthly.

Cheapest auto insurance in Pennsylvania for 20-year-olds with one at-fault crash

For 20-year-old drivers in Pennsylvania with one recent at-fault crash, American National offers an annual average rate of $964, roughly $80 monthly. Progressive provides an alternative with an annual rate of $1,027 or approximately $86 monthly.

Cheapest auto insurance in Pennsylvania for 20-year-olds after a DUI

Even after a DUI, 20-year-old drivers in Pennsylvania can find reasonably priced insurance. Travelers offer an annual rate of $693, approximately $58 per month. American National and Erie provide alternatives at $1,028 per year or around $86 monthly and $1,049 annually, equivalent to about $87 per month, respectively.

Cheapest for 30-year-old drivers

As drivers hit their 30s, they typically notice a decline in car insurance rates compared to their younger years. However, variables like driving history and the vehicle’s specifics can still cause price fluctuations. Seeking reduced rates, individuals in their 30s should scout different insurance options and make the most of available discounts.

Cheapest full coverage car insurance in Pennsylvania for 30-year-olds

For those eyeing comprehensive coverage in Pennsylvania, several companies offer competitive rates. Travelers emerge at the forefront, presenting an annual average of $1,302 or approximately $109 monthly. Following closely, Erie provides coverage at an annual rate of $1,377, equating to about $115 per month. Similarly, American National maintains affordability with an average annual cost of $1,412, approximately $118 monthly.

Cheapest minimum coverage car insurance in Pennsylvania for 30-year-olds

If minimal coverage is preferred, select companies in Pennsylvania stand out. Auto-Owners leads with an attractive annual rate of $300 or approximately $25 monthly. Additionally, Travelers offers coverage at an average yearly rate of $311 or approximately $26 per month for minimum coverage.

Cheapest auto insurance in Pennsylvania for 30-year-olds with poor credit

Drivers facing poor credit situations in Pennsylvania have options for full coverage. American National emerges with an average yearly rate of $2,218 or about $185 per month. Following suit, Nationwide offers coverage at an average of $2,451 per year, roughly $204 monthly. 

Cheapest auto insurance in Pennsylvania for 30-year-olds with one speeding ticket

Those with recent speeding tickets in Pennsylvania can find reasonable rates with specific companies. Auto-Owners offer coverage at an average yearly rate of $316 or approximately $26 monthly. Similarly, Erie presents an average annual cost of $324, equating to about $27 monthly. 

Cheapest auto insurance in Pennsylvania for 30-year-olds with one at-fault crash

Pennsylvania’s 30-year-old drivers in at-fault crashes can explore various full coverage options. Travelers offer an annual average of $1,710, approximately $143 per month. Erie trails closely at $1,827 annually or about $152 monthly, while American National presents coverage at $1,914 yearly, roughly $160 monthly.

Cheapest auto insurance in Pennsylvania for 30-year-olds after a DUI

Following a DUI, Travelers provides affordable full coverage at $1,892 yearly or approximately $158 monthly. American National follows at $2,038 annually, about $170 per month, with Erie offering coverage at $2,193 per year, translating to roughly $183 monthly.

Cheapest for 40-year-old drivers

Entering your 40s often brings some relief on the insurance front compared to younger age brackets. Yet, costs can still be higher than those for older individuals. The secret to finding affordable car insurance lies in scouting for quotes across multiple insurers. Pay-per-mile insurance might be worth considering for infrequent drivers with a clean record, as it charges based on actual miles driven.

Cheapest full coverage car insurance in Pennsylvania for 40-year-olds

In Pennsylvania, 40-year-old drivers with impeccable driving records might want to explore options from various companies offering competitive rates. Travelers leads with an average annual rate of $1,218, closely followed by American National at $1,260 yearly and Erie at $1,285.

Cheapest minimum coverage car insurance in Pennsylvania for 40-year-olds

For individuals seeking minimal coverage in Pennsylvania, some companies offer attractive rates. Erie leads the pack with an annual rate of $287, while Auto-Owners follows closely at $300 yearly, equivalent to about $25 monthly. Additionally, Travelers presents coverage at an average yearly rate of $307.

Cheapest auto insurance in Pennsylvania for 40-year-olds with poor credit

Pennsylvanians dealing with poor credit can explore insurers offering the most affordable rates for full coverage. American National stands out at $1,980 annually, followed by Nationwide at $2,391 annually, and Auto-Owners at $2,453.

Cheapest auto insurance in Pennsylvania for 40-year-olds with one speeding ticket

Drivers with recent speeding tickets can find reasonable rates in Pennsylvania. Erie offers coverage at an average yearly rate of $302, while Auto-Owners follows at $316 annually. Additionally, Travelers presents coverage at an average yearly rate of $364.

Cheapest auto insurance in Pennsylvania for 40-year-olds with one at-fault crash

Several companies offer competitive rates for full coverage in Pennsylvania for drivers recently involved in accidents. Travelers presents coverage at $1,575 annually, followed by American National at $1,688 annually and Erie at $1,699.

Cheapest auto insurance in Pennsylvania for 40-year-olds after a DUI

Following a DUI, finding affordable coverage becomes crucial. Travelers offers full coverage at an annual rate of $1,743, followed by American National at $1,790 yearly. Progressive presents coverage at $2,706 annually.

Cheapest for 50-year-old drivers

Drivers in their 50s often enjoy more affordable car insurance rates compared to many other age groups, and these rates tend to decrease as they near their 60s and gather more driving experience. However, varying factors such as gender and location can influence these rates. Exploring multiple insurers is a wise move to secure the most competitive deals. Our curated list of cost-effective auto insurance companies serves as an excellent starting point.

Cheapest full coverage car insurance in Pennsylvania for 50-year-olds

Pennsylvania drivers with impeccable records might find appealing rates with different insurers. Travelers leads, offering an annual average of $1,181 or around $98 monthly. Close behind is Erie, presenting coverage at $1,203 annually, approximately $100 monthly, followed by Auto-Owners at $1,412 per year or about $118 monthly.

Cheapest minimum coverage car insurance in Pennsylvania for 50-year-olds

For those seeking minimal coverage in Pennsylvania, specific companies provide attractive rates. Erie stands out with an annual rate of $267, roughly $22 monthly, followed by Auto-Owners at $291 per year or about $24 monthly. Additionally, Travelers offers coverage at an annual rate of $302, around $25 monthly for minimum coverage.

Cheapest auto insurance in Pennsylvania for 50-year-olds with poor credit

Are you a 50s driver with poor credit? Pennsylvania drivers with poor credit have options for full coverage. American National presents coverage at an annual average of $1,938 or approximately $162 monthly. In comparison, Nationwide follows at $2,249 yearly or about $187 monthly.

Cheapest auto insurance in Pennsylvania for 50-year-olds with one speeding ticket

The 50-year-old drivers with recent speeding tickets in Pennsylvania can find reasonable rates with specific companies. Erie offers coverage at an annual rate of $281 or about $23 monthly, Auto-Owners at $306 per year or approximately $26 monthly, and Travelers at $357 annually, roughly $30 monthly for minimum coverage.

Cheapest auto insurance in Pennsylvania for 50-year-olds with one at-fault crash

For drivers recently involved in accidents in Pennsylvania, several companies offer competitive rates for full coverage. Travelers presents coverage at $1,527 per year or about $127 per month, while Erie follows closely at $1,586 annually or approximately $132 monthly.

Cheapest auto insurance in Pennsylvania for 50-year-olds after a DUI

Finding affordable coverage following a DUI is crucial. Travelers offers full coverage at an annual rate of $1,680, American National at $1,746 yearly, around $146 per month, and Erie at $1,903 per year, roughly $159 monthly.

Cheapest for 60-year-old drivers

While 60-year-olds often enjoy comparatively lower car insurance rates than many other age groups, costs may gradually rise with age. To secure cost-effective car insurance for seniors, drivers in their 60s should explore different options and take advantage of available senior citizen discounts.

Cheapest full coverage car insurance in Pennsylvania for 60-year-olds

Pennsylvania’s drivers in their 60s, maintaining clean driving records, can explore appealing rates from diverse insurers. Leading the pack, Travelers offers an average annual rate of $1,082 or around $90 monthly. American National follows closely at $1,137 yearly, approximately $95 per month, while Auto-Owners stands at $1,352 annually, about $113 monthly.

Cheapest minimum coverage car insurance in Pennsylvania for 60-year-olds

Minimal coverage seekers in Pennsylvania can find attractive rates with specific insurers. Erie showcases an annual rate of $252, which is around $21 monthly. Auto-Owners follows at $287 per year or approximately $24 monthly. 

Cheapest auto insurance in Pennsylvania for 60-year-olds with poor credit

Drivers dealing with poor credit scores should explore insurers offering full coverage. American National provides coverage at an annual average of $1,786 or around $149 monthly. Chubb presents rates at $2,002 per year, approximately $167 per month, and Nationwide at $2,088 annually or about $174 monthly.

Cheapest auto insurance in Pennsylvania for 60-year-olds with one speeding ticket

Pennsylvania’s drivers with recent speeding tickets can find reasonable rates with specific companies. Erie presents coverage at $265 annually, while Auto-Owners stands at $302 per year. Travelers offers an annual rate of $344 for minimum coverage.

Cheapest auto insurance in Pennsylvania for 60-year-olds with one at-fault crash

After recent accidents, drivers can seek competitive rates for full coverage in Pennsylvania. Travelers offers coverage at $1,404 per year, approximately $117 per month, while Erie closely follows at $1,507 annually, about $126 monthly.

Cheapest auto insurance in Pennsylvania for 60-year-olds after a DUI

Finding affordable coverage post-DUI remains crucial. Travelers offers full coverage at an annual rate of $1,525, American National at $1,618 yearly or roughly $135 per month, and Erie at $1,814 per year, approximately $151 monthly.

Cheapest for 70-year-old drivers

Entering your 70s might imply a slight uptick in car insurance costs. Nonetheless, there are ways to find budget-friendly coverage. Securing the most affordable insurance at this stage involves comparing quotes from various insurers in Pennsylvania and exploring discounts explicitly offered for seniors, such as reduced rates for completing defensive driving courses.

Cheapest full coverage car insurance in Pennsylvania for 70-year-olds

Pennsylvania drivers in their 70s with spotless driving records can explore attractive rates from different insurers. Noteworthy options include Travelers with an average annual rate of $1,120, American National at $1,256 yearly, and Erie offering coverage at $1,257 yearly.

Cheapest minimum coverage car insurance in Pennsylvania for 70-year-olds

Erie leads with an annual rate of $281 for those seeking the state’s minimum coverage. Travelers follows closely at $329 per year, while Auto-Owners offers coverage at an average of $336 annually.

Cheapest auto insurance in Pennsylvania for 70-year-olds with poor credit

Drivers with unfavorable credit scores can find suitable full coverage rates. American National offers coverage at an average of $1,968 annually, Chubb at $2,120 per year, and Nationwide at $2,270 per year.

Cheapest auto insurance in Pennsylvania for 70-year-olds with one speeding ticket

After receiving a speeding ticket, drivers might still secure reasonable rates. Erie provides coverage at $296 per year, Auto-Owners at $353 annually, and State Farm at an average of $384 per year for minimum coverage.

Cheapest auto insurance in Pennsylvania for 70-year-olds with one at-fault crash

Travelers presents coverage at $1,485 per year for drivers involved in an at-fault crash. At the same time, Erie offers rates at $1,671 annually for full coverage.

Cheapest auto insurance in Pennsylvania for 70-year-olds after a DUI

While specific rates for post-DUI coverage aren’t specified, Travelers, American National, and Erie remain viable options for 70-year-old Pennsylvania drivers seeking affordable insurance to explore.

How Much Is Full Coverage Car Insurance in Pennsylvania?

In Pennsylvania, full coverage car insurance can be found for as low as $1,981 annually or $165 monthly. This is approximately 1% less than the national average of $2,008 annually for full coverage insurance. The list below highlights the providers that usually offer the most economical rates for full coverage policies in Pennsylvania. Your rates may differ based on various factors. Note that these rates are based on a 35-year-old driver with good credit and a clean driving record. 

Average annual car insurance rates in Pennsylvania by company

In Oregon, car insurance averages $118 monthly for full coverage and $51 for minimum coverage. State Farm and USAA stand out with competitive annual rates among Oregon’s myriad insurance providers, averaging $1,019 and $1,099, respectively. These figures underline varied insurance costs, providing drivers with affordable coverage options in the state.

How Much Is Liability-Only Coverage Car Insurance in Pennsylvania?

In Pennsylvania, liability-only car insurance averages around $398 yearly, contrasting with full coverage policies at $1,266 annually. Typically, liability-only options come at a lower cost, while comprehensive coverage with low deductibles tends to be pricier. Drivers opting for liability-only coverage may see a cost gap of approximately $778 compared to full coverage with a $500 deductible in Pennsylvania.

Minimum car insurance requirements in Pennsylvania

In Pennsylvania, driving without insurance is against the law. The state mandates specific car insurance coverage, including bodily injury, medical benefits, property damage, and limited or full tort.

Here are the minimum auto insurance requirements in Pennsylvania:

• Bodily Injury Coverage: $15,000 per person and $30,000 per accident
• Medical Benefits: $5,000 per accident
• Property Damage Liability: $5,000 per accident
• Limited or Full Tort Coverage: Opting for Limited Tort Coverage can lead to a discount on your auto insurance.

These minimum coverage requirements ensure drivers comply with Pennsylvania’s insurance regulations, safeguarding themselves and others on the road.

Tips for How to Get Cheap Car Insurance in Pennsylvania

Following these tips for obtaining affordable car insurance in Pennsylvania can help drivers find cost-effective car insurance tailored to their needs and circumstances.

• Compare Widely: Gather quotes from national and local insurers like Erie Insurance and The Hartford, often offering competitive rates.
• Understand Influencing Factors: Factors like driving history, age, credit, and even your vehicle choice affect insurance premiums in Pennsylvania.
• Pick Your Coverage: Choose liability insurance as a must, consider if optional coverages like collision suit your car’s age, and explore usage-based options for tailored plans.
• Hunt for Discounts: Insurers offer discounts for students, veterans, good drivers, homeowners, and those willing to go paperless.
• Zip Code Matters: Car insurance costs vary by zip code, with the priciest areas in Pennsylvania costing significantly more than others.
• Consider Usage-Based Plans: Lower-mileage drivers might benefit from usage-based insurance, adjusting premiums based on driving habits.
• Maintain Continuous Coverage: Avoid lapses in coverage to prevent higher rates; drivers without continuous coverage pay around 16% more than those with a consistent insurance history.

No-fault insurance in Pennsylvania

Pennsylvania operates as a no-fault state, allowing drivers to select between two “tort” options. With limited tort, drivers can sue for medical expenses but not for pain, suffering, or nonmedical costs. Full tort permits drivers to sue for medical and nonmedical expenses from accident injuries. In a no-fault system, all drivers must use their insurance to cover their own costs, irrespective of fault in an accident.

Conclusion

In the quest for the cheapest car insurance in Pennsylvania for 2023, navigating through diverse options unveils intriguing possibilities. Travelers emerges as a standout choice, offering competitive rates for full coverage and liability insurance. With full coverage starting at $76 per month and liability coverage at $21 monthly, Travelers showcases affordability while maintaining a reliable track record in the insurance landscape.

Yet, it’s crucial to acknowledge the limitations of minimum coverage plans. These policies may not cover all expenses in an accident, potentially leaving you vulnerable to significant financial risks. Without comprehensive and collision coverage, repairing your vehicle’s damages might not be included.

Considering these factors, drivers should weigh the trade-offs between cost and comprehensive protection while seeking cheaper rates. Opting for full coverage insurance could provide a more substantial safety net during unexpected events, ensuring enhanced peace of mind on the road.

Remember that auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others. 

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