Best Pennsylvania Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

The top pick overall for the best Pennsylvania auto insurance are Geico, Farmers, and Travelers, offering the lowest rates starting at $19 per month.

This comprehensive guide explores various factors influencing auto insurance rates in Pennsylvania, including driver profiles, coverage options, and city-specific impacts.

Our Top 10 Company Picks: Best Pennsylvania Auto Insurance

From minimum liability insurance to full coverage policies, readers will discover insights on finding affordable rates tailored to their needs, with a special emphasis on the cheapest options available. For a comprehensive analysis, refer to our detailed guide titled “Bodily Injury Liability (BIL) Auto Insurance.”

Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.

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#1 – Geico: Top Overall Pick

Pros

• Competitive Rates: Geico is renowned for offering some of the most competitive rates in the auto insurance industry, making it an attractive option for budget-conscious drivers.
• Wide Range of Coverage Options: Geico’s auto insurance review showcases a wide range of coverage options, empowering customers to customize their policies according to their individual requirements.
• Excellent Customer Service: Geico consistently receives high ratings for its customer service, with many customers praising its responsiveness and efficiency in handling claims and inquiries.

Cons

• Regional Availability: Geico’s availability may vary by region, so some customers may not have access to its services depending on their location.
• Claims Process Complexity: Despite its efficient customer service, some customers have reported challenges navigating Geico’s claims process, particularly for complex claims situations.

#2 – Famers: Best for Comprehensive Coverage

Pros

• Personalized Service: Farmers Insurance offers personalized service through a network of local agents, providing customers with dedicated support and guidance throughout the insurance process.
• Strong Financial Stability: Farmers Insurance boasts strong financial stability, giving customers confidence in the company’s ability to fulfill its obligations and pay out claims when needed.
• Claims Satisfaction: Farmers auto insurance discounts are showcased through the satisfaction many customers experience with the efficiency and fairness of the claims process, highlighting Farmers Insurance’s reputation for high claims satisfaction.

Cons

• Limited Availability: Farmers Insurance may not be available in all regions, limiting access for potential customers in certain areas.
• Complex Policy Options: Some customers may find Farmers Insurance’s range of coverage options overwhelming or confusing, particularly when trying to navigate complex policy features or add-ons.

#3 – Travelers: Best for Customer Service

Pros

• Excellent Customer Service: Travelers is known for its responsive and helpful customer service, ensuring that customers receive assistance promptly and efficiently.
• Competitive Rates: Travelers auto insurance review showcases its competitive pricing alongside comprehensive coverage, ensuring customers receive excellent value for their money.
• Discount Opportunities: Travelers offers various discounts, such as safe driver discounts and multi-policy discounts, helping customers save on their premiums.

Cons

• Higher Premiums for Certain Profiles: While Travelers offers competitive rates overall, premiums may be higher for drivers with certain profiles, such as young or high-risk drivers.
• Complex Policy Options: The wide array of coverage options offered by Travelers may be overwhelming for some customers, leading to confusion during the policy selection process.

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#4 – Allstate: Best for Financial Strength

Pros

• Bundle Discounts: Allstate auto insurance review showcases the opportunity for customers to save through bundle discounts when combining various policies like auto and home insurance.
• Wide Range of Coverage Options: Allstate offers a diverse range of coverage options, allowing customers to customize their policies according to their individual needs.
• Mobile App Convenience: Allstate’s mobile app offers convenience and accessibility, allowing customers to manage their policies, file claims, and access resources on-the-go.

Cons

• Mixed Customer Service Reviews: While some customers praise Allstate’s customer service, others have reported less satisfactory experiences, indicating inconsistency in service quality.
• Limited Discounts for Certain Profiles: While Allstate offers various discounts, some customers may find that they do not qualify for many of them, resulting in fewer opportunities for savings.

#5 – State Farm: Best for Local Agents

Pros

• Wide Range of Coverage Options: State Farm offers a variety of coverage options, including liability, collision, comprehensive, and more, allowing customers to tailor their policies to their specific needs.
• Nationwide Availability: State Farm auto insurance review showcases its nationwide presence, ensuring accessibility to customers throughout all 50 states.
• Excellent Customer Service: State Farm is known for its exceptional customer service, with a network of agents ready to assist customers with their insurance needs and claims processing.

Cons

• Higher Premiums for Some: While State Farm offers competitive rates for many customers, some individuals may find that their premiums are higher compared to other insurance providers.
• Limited Online Quoting: State Farm’s online quoting process may not be as streamlined as some competitors, which could be a drawback for customers who prefer a fully digital experience.

#6 – USAA: Best for Military Members

Pros

• Exclusive Membership: USAA is exclusively available to military members, veterans, and their families, offering tailored insurance products and financial services to this niche market.
• Competitive Rates: The USAA auto insurance review showcases how the company frequently presents competitive prices to its members, highlighting discounts for safe driving, bundled policies, and additional perks.
• Financial Strength: USAA boasts strong financial stability, providing peace of mind to its members that their claims will be handled efficiently and fairly.

Cons

• Membership Eligibility Requirements: USAA’s exclusive membership criteria limit its availability to military members, veterans, and their families, excluding the general population.
• Limited Physical Locations: USAA primarily operates online and by phone, with limited physical branch locations, which may be inconvenient for some members who prefer in-person interactions.

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#7 – Nationwide: Best for Broad Options

Pros

• Discount Programs: Nationwide offers various discount programs, such as safe driver discounts and multi-policy discounts, helping customers save money on their premiums.
• Mobile App: The Nationwide mobile app provides convenient access to policy information, claims filing, and roadside assistance, enhancing the overall customer experience.
• Responsive Customer Service: Nationwide auto insurance review highlights the company’s renowned customer service team, which showcases their responsiveness in providing aid and guidance to customers during critical times.

Cons

• Higher Premiums: While Nationwide offers comprehensive coverage options, some customers may find that their premiums are higher compared to other insurance companies.
• Claims Process: Some customers have reported delays or complications in the claims process, which can be frustrating when trying to resolve an insurance claim quickly.

#8 – American Family: Best for Personalized Service

Pros

• Customized Policies: The American Family auto insurance review highlights the flexibility of their policies, showcasing options that can be tailored to individual needs and budgets.
• Discount Opportunities: American Family offers various discounts, such as safe driver discounts and bundled insurance discounts, helping customers save money on their premiums.
• Local Agents: American Family employs local agents who can provide personalized assistance and guidance to customers, making it easier to navigate the insurance process.

Cons

• Limited Availability: American Family’s coverage may be limited to certain regions, limiting options for customers who live outside of those areas.
• Premiums: While American Family offers competitive rates, some customers may find that their premiums are higher compared to other insurance companies offering similar coverage options.

#9 – Progressive: Best for Innovative Tools

Pros

• Innovative Discounts: Progressive provides numerous discounts, such as safe driver discounts, multi-policy discounts, and usage-based discounts through their Snapshot program, helping customers save money on their premiums.
• Convenient Online Tools: Progressive’s website and mobile app offer user-friendly interfaces and convenient tools for managing policies, filing claims, and accessing resources, making the insurance process seamless for customers.
• Responsive Customer Service: Progressive auto insurance review showcases its standout customer service, emphasizing swift assistance through phone, chat, and email channels for addressing customer inquiries and concerns promptly.

Cons

• Potentially Higher Rates: While Progressive offers competitive rates, some customers may find that their premiums are higher compared to other insurers, especially for certain demographics or coverage options.
• Limited Coverage in Some Areas: Progressive may not offer coverage in all areas or may have limited availability in certain regions, which could be a drawback for customers looking for widespread coverage.

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#10 – Liberty Mutual: Best for Flexible Policies

Pros

• Customizable Policies: The Liberty Mutual auto insurance review highlights the flexibility of their policies, showcasing a range of coverage options that customers can customize to align with their unique requirements and financial considerations.
• Nationwide Availability: Liberty Mutual operates nationwide, providing coverage in most states, which is advantageous for customers who move or travel frequently and want consistent insurance coverage.
• Strong Financial Ratings: Liberty Mutual boasts strong financial ratings from reputable agencies like A.M. Best, indicating its financial stability and ability to fulfill its obligations to policyholders.

Cons

• Potentially Higher Rates for Some: Despite discounts and customizable policies, some customers may find that Liberty Mutual’s rates are higher compared to other insurers, especially for certain demographics or coverage options.
• Complex Claims Process: Like other large insurers, Liberty Mutual’s claims process may be perceived as complex or time-consuming by some customers, particularly for more intricate claims scenarios requiring extensive documentation or investigation.

Smart Strategies for Affordable Auto Insurance in Pennsylvania

To find cheap auto insurance in Pennsylvania, it’s crucial to compare rates from different companies based on various driving records and coverage options. Look for the cheapest insurance companies and get quotes from them. To gain further insights, consult our comprehensive guide titled “How Auto Insurance Companies Check Driving Records.”

State Farm and Geico are among the cheapest options, while Allstate and Liberty Mutual tend to be more expensive. By selecting a company with a lower base rate for minimum liability insurance, you can potentially afford additional coverages or higher liability limits without exceeding your budget.

Pennsylvania Auto Insurance Monthly Rates by Coverage Level & Provider

Explore Pennsylvania auto insurance rates for minimum coverage and full coverage across various providers. For minimum coverage, USAA offers the lowest monthly rate at $19, followed closely by Geico at $23, while Liberty Mutual offers the highest at $73.

For full coverage, USAA remains the most affordable option at $57 per month, with Geico following at $68, and Liberty Mutual at the top again with $219 per month. Compare rates to find the best fit for your coverage needs and budget.

Discover auto insurance discounts offered by top providers in Pennsylvania. From Allstate’s multi-policy savings to Geico’s military discount, explore various opportunities to save on your car insurance premiums.

Whether you’re a safe driver, a good student, or looking for multi-policy discounts, this table highlights the available options from leading insurers like State Farm, USAA, Progressive, and more. Whether you’re insuring a new car, driving a hybrid/electric vehicle, or demonstrating loyalty, find the discounts that suit your needs and help you save on auto insurance.

Top Affordable Options for Full Coverage Auto Insurance in Pennsylvania

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Affordable Auto Insurance Solutions for Young Drivers in Pennsylvania

The best car insurance for teens and young drivers comes with the highest monthly insurance rates. Statistics show that younger drivers are more likely to crash and file a claim due to their driving inexperience, so insurance companies charge more to counteract the financial risk of insuring young drivers.

Geico and State Farm emerge as particularly cost-effective options for young drivers, offering notably cheaper rates compared to other companies on the list. However, it’s essential to acknowledge that the showcased auto insurance rates are for young drivers obtaining their individual policies.

Pennsylvania Full Coverage Auto Insurance Monthly Rates for Teen Drivers & Provider

Typically, a more economical alternative for young drivers is to become part of their parents’ auto insurance policies. Adding a young driver to an existing policy is significantly cheaper than securing an independent one.

This is especially advantageous for young drivers still residing at home or not taking a family vehicle when leaving for school. Moreover, some insurers extend discounts to young drivers, such as those for good students or students away at school.

Pennsylvania’s Most Affordable Auto Insurance for Drivers With Traffic Tickets

Any traffic ticket that involves a moving violation, such as failure to stop or speeding, will raise auto insurance rates. A parking ticket won’t affect your rates, any traffic ticket is a red flag to your insurance company. Your rates can increase after just one traffic ticket in Pennsylvania, though some insurance companies charge less on average than others.

Pennsylvania Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record

This table shows how a speeding ticket affects your car insurance rates. Geico and State Farm have better car insurance rates for drivers with traffic tickets. However, if you have a traffic ticket or two, it’s helpful to get quotes from a few of the cheapest companies on our list of the best auto insurance companies for drivers with speeding tickets to see if another offers a cheaper rate.

Affordable Auto Insurance Options for Bad Credit in Pennsylvania

If a driver has bad credit, they may see an increase in their auto insurance rates. Auto insurance companies that use credit scores see drivers with poor credit as more likely to miss payments, making them a higher risk to insure. 

Missed payments can also cause a driver’s insurance to get canceled by the company. Since driving without insurance is illegal, drivers will also face higher insurance rates when they sign up for a new policy, multiple fines, and possible loss of driving privileges. However, it can be difficult to improve a credit score when a driver’s car insurance company charges higher rates.

Pennsylvania Full Coverage Auto Insurance Monthly Rates by Credit Score & Provider

Nationwide has some of the best car insurance rates for drivers with a bad credit score in Pennsylvania. More expensive companies are Progressive or Liberty Mutual. Avoiding companies that charge more for bad credit scores will help drivers get their scores back on track.

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Most Affordable Auto Insurance in Pennsylvania for At-Fault Accidents

If you cause an accident, car insurance companies will view you as more likely to cause another accident later compared to a driver with a clean driving record. Learn more about at-fault accidents. Below, you can see how your car insurance rates might increase after an at-fault accident at different companies in Pennsylvania:

Pennsylvania Full Coverage Auto Insurance Monthly Rates by Provider: One Accident vs. Clean Record

Companies like State Farm have better rates for drivers with an at-fault accident, whereas companies like Progressive have some of the worst insurance rates. If you haven’t been in an at-fault accident yet, you may want to look into companies with accident forgiveness.

Insurance companies with accident forgiveness won’t raise your rates after your first at-fault accident with the company. You may have to be with the company for a few years to qualify for this perk, or you may have to pay a small additional fee. Either way, an accident forgiveness program can save drivers hundreds of dollars after their first at-fault accident.

Affordable DUI Auto Insurance Options in Pennsylvania

A DUI is one of the worst offenses a driver can have on their driving record. Most car insurance companies tend to raise insurance rates with a DUI. Driving under the influence also puts everyone on the road at risk, not just the impaired driver, making drivers with DUIs much riskier to insure than drivers with a bad credit score or one traffic ticket.

You may see your rates go up hundreds of dollars or more if you have a DUI. The table below shows how much auto insurance rates are for DUI drivers in Pennsylvania.

Pennsylvania Full Coverage Auto Insurance Monthly Rates by Driving Record & Provider

While Allstate is normally one of the most expensive auto insurance companies, it becomes one of the cheaper companies if a driver has a DUI. Likewise, cheaper car insurance companies such as Geico can become more expensive for insuring DUI drivers.

Since rates for DUI drivers vary by state and company, drivers with a DUI on their record should shop around to see if there are cheaper policies. Start by comparing quotes from the best auto insurance companies for drivers who have a DUI.

Pennsylvania’s Most Affordable Cities for Car Insurance

Location impacts car insurance rates in Pa. Even if a driver moves just twenty minutes away from their old home, their new address may come with different rates. Some of the factors car insurance companies look at to determine the insurance risk rating for different areas are: 

• Car Crashes: If an area has a high number of claims, rates will be higher as there’s a higher likelihood of a driver crashing in that area.
• Local Crime Records: Insurance companies raise rates if an area is prone to crime, such as frequent car jackings or vandalism. For additional details, explore our comprehensive resource titled “Does auto insurance cover vandalism?“
• Local Traffic Patterns: Areas with heavier traffic might also have higher insurance rates, as drivers are more likely to crash into other cars.
• Weather Patterns: Areas with a history of natural disasters or weather making driving riskier, such as icy roads, will have higher insurance rates.

From car crashes and crime records to traffic patterns and weather conditions, various factors contribute to the risk assessment and subsequent insurance costs in different areas.

Understanding these elements can help you make informed decisions about where to live and how to potentially save on your car insurance.

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Alternative Strategies for Cutting Auto Insurance Costs in Pennsylvania

We’ve covered a lot of ground on the cheapest companies for various coverages and driver types. If you already chose one of the cheapest companies, you may want to know if there are other ways to save. Below, we’ve outlined some other steps drivers can take to further save on auto insurance in Pennsylvania. 

• Check for Additional Discounts: Additional auto insurance discounts aren’t always automatically applied to your rates because you need to apply for them, such as defensive driving or good student discounts.
• Usage-Based Auto Insurance: Usage-based insurance plans charge a low daily rate for coverage and a per-mile fee. These plans can save drivers a lot of money if they drive less than 10,000 miles annually. 
• Choose a Cheaper Auto to Insure: Some vehicles are significantly cheaper to insure than others. Typically, you should look for vehicles with good safety ratings that do well in a crash and have easy-to-find inexpensive parts.
• Drop Unnecessary Coverages if Possible: Older vehicles may be able to carry just minimum liability insurance without a financial loss to the driver, and drivers may want to get rid of extra add-ons like roadside assistance to reduce rates.
• Improve Your Credit Score: As we’ve discussed, insurance companies raise rates for drivers with poor credit scores. Improving your credit score will help reduce your insurance rates at your next policy renewal.
• Keep a Clean Driving Record: Driving safely can go a long way to keeping your insurance rates down, as it’ll prevent traffic tickets or an accident.
• Raise Your Insurance Deductible: Your insurance rates decrease if you raise your insurance deductible, as you agree to pay more after an accident. We caution you not to raise the deductible to an amount you aren’t comfortable paying out of pocket.

As you traverse the terrain of auto insurance in Pennsylvania, remember that savings opportunities often lie beyond the initial selection of an insurer.

By diligently seeking out additional discounts, considering usage-based plans, selecting vehicles with lower insurance premiums, and reassessing coverage needs, drivers can continue to optimize their insurance costs.

Understanding Pennsylvania’s Auto Insurance Laws and DUI Penalties

Pennsylvania’s car insurance laws mandate coverage like bodily injury and property damage liability, alongside optional protections such as collision insurance. DUIs result in hefty penalties including fines, license suspension, and increased insurance costs. To learn more, explore our comprehensive resource on insurance titled “Is there a penalty for changing auto insurance?“

High-risk drivers may need an SR-22 certificate to reinstate their licenses, often requiring additional fees and honest disclosure to insurance providers. Non-owner insurance is necessary for those without a vehicle to meet state requirements.

Case Studies: Finding Affordable Auto Insurance in Pennsylvania

Navigating the auto insurance landscape in Pennsylvania can be challenging, especially when balancing affordability with adequate coverage. This series of case studies showcases real-life examples of individuals and families who successfully found affordable auto insurance solutions tailored to their specific needs. 

• Case Study #1 – Young Driver Secures Affordable Coverage With Geico: 18-year-old student with a clean record but limited driving experience faced high premiums due to age. By comparing quotes, they found Geico’s rate of $23/month and qualified for discounts by maintaining good grades, securing affordable coverage.
• Case Study #2 – Driver with Traffic Tickets Finds Savings With State Farm: A 35-year-old professional with two recent speeding tickets faced increased premiums but found competitive rates with State Farm. By choosing a higher deductible, they reduced their monthly premiums and kept insurance costs manageable.
• Case Study #3 – Family with Multiple Vehicles Benefits from Bundling With Farmers: Married couple with three vehicles faced high premiums but reduced costs by 20% by bundling auto and home insurance with Farmers and utilizing safe driver discounts.

These case studies demonstrate that finding affordable auto insurance in Pennsylvania is achievable through strategic actions such as comparing quotes, maintaining good driving records, choosing higher deductibles, and bundling policies.

Whether you’re a young driver, a professional with traffic tickets, or a family with multiple vehicles, there are tailored solutions to help you save on auto insurance. By applying these strategies, you can secure the coverage you need without breaking the bank.

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The Final Word on Cheap Auto Insurance in PA

Finding the best auto insurance in Pennsylvania involves evaluating providers like Geico, Farmers, and Travelers, known for competitive rates starting at $19 per month. Geico and USAA offer the lowest rates for minimum coverage, while State Farm and Nationwide are cost-effective for drivers with traffic violations or poor credit. To delve deeper, refer to our in-depth report titled “What are the benefits of auto insurance?“

To reduce costs, compare quotes, bundle policies, increase deductibles, maintain a clean driving record, and leverage discounts. Pennsylvania mandates minimum liability coverage, including bodily injury and property damage liability, and personal injury protection (PIP). Use online tools to explore and secure the best rates tailored to your needs.

Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.

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