Car Insurance in Pennsylvania: 2026 Rates & Guide
Pennsylvania is a mid-range state for car insurance. The average driver pays $124/month ($1488/year). Here's how to find the best rate for your situation.
$124
Avg Monthly
$1488
Avg Annual
#24
Cost Rank (1=priciest)
$88
Cheapest Option/mo
Advertisement
Cheapest Car Insurance Companies in Pennsylvania (2026)
Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.
Top insurers in Pennsylvania — sorted by average monthly rate
| # | Company | Est. Monthly | Rating | |
|---|---|---|---|---|
| 1 | ★ BestErie Insurance | $88/mo | 4.8 | |
| 2 | State Farm | $96/mo | 4.5 | Get Quote |
| 3 | GEICO | $102/mo | 4.3 | Get Quote |
| 4 | Progressive | $114/mo | 4.1 | Get Quote |
| 5 | Travelers | $108/mo | 4.2 | Get Quote |
Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.
Contains affiliate links — we may earn a commission at no cost to you.
Ready to get a quote?
Rates above are estimates — your actual quote may be lower. Takes 2 minutes.
Pennsylvania Car Insurance Requirements
Minimum Coverage: 15/30/5
Pennsylvania is a no-fault state. You must carry Personal Injury Protection (PIP) in addition to liability coverage.
- 15/30/5 liability minimum
- $5,000 medical benefits required
- Choice of limited or full tort
Pennsylvania Insurance Facts
Advertisement
How to Get Cheaper Car Insurance in Pennsylvania
Compare at least 3–5 quotes
Rates vary by 40–60% between companies for the same driver profile.
Raise your deductible
Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.
Bundle home + auto
Multi-policy discounts average 15–25% across major insurers.
Try usage-based insurance
Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.
Ask about all discounts
Good student, military, professional association, and low-mileage discounts are often unclaimed.
Improve your credit score
In most states, a good credit score can lower premiums by 20–50%.
Car Insurance in Pennsylvania — FAQs
What is the average cost of car insurance in Pennsylvania?
What is the minimum car insurance required in Pennsylvania?
Which company has the cheapest car insurance in Pennsylvania?
Is Pennsylvania a no-fault car insurance state?
How can I lower my car insurance in Pennsylvania?
Advertisement