Best Pay-As-You-Go Auto Insurance in Pennsylvania (Top 10 Companies for 2024)
Progressive, Allstate, and State Farm sell the best pay-as-you-go auto insurance in Pennsylvania. The cheapest pay-per-mile car insurance companies in PA are Progressive and State Farm with base rates starting at $50/mo. Read to compare the top 10 pay-as-you-go full coverage insurance companies for the best rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsProgressive, Allstate, and State Farm have the best pay-as-you-go auto insurance in Pennsylvania.
Progressive takes the top spot for pay-as-you-go insurance thanks to its UBI program, Snapshot. Along with cheap usage-based insurance, Progressive also offers innovative digital tools and generous discounts.
Our Top 10 Picks: Best Pay-As-You-Go Auto Insurance in Pennsylvania
| Company | Rank | Low-Mileage Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Usage Based | Progressive |
 | #2 | 8% | A+ | Personalized Rates | Allstate |
 | #3 | 9% | B | Telematics Technology | State Farm |
 | #4 | 8% | A+ | Flexibility Options | Nationwide |
 | #5 | 7% | A | Comprehensive Coverage | Liberty Mutual |
 | #6 | 11% | A | Customizable Plans | Farmers |
 | #7 | 8% | A+ | Competitive Pricing | Erie |
 | #8 | 9% | A++ | Safety Features | Travelers |
 | #9 | 13% | NR | Mileage Rates | Metromile |
 | #10 | 6% | NR | Behavioral Analysis | Root |
Read on to learn more about the best pay-as-you-go auto insurance in Pennsylvania. When you’re ready, enter your ZIP code into our free comparison tool to find the lowest rates possible.
- Pay-as-you-go insurance plans charge you by the mile instead of a flat monthly fee
- Low-mileage drivers can get substantial savings with pay-per-mile insurance
- Progressive and Allstate have the best pay-per-mile insurance in Pennsylvania
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#1 – Progressive: Top Pick Overall
Pros
- Snapshot: Save up to 30% on your policy by enrolling in Snapshot, Progressive’s usage-based insurance (UBI) program.
- Name Your Price Tool: Looking to stick to a monthly budget? Progressive’s Name Your Price tool generates a list of insurance options that match your budget.
- Loyalty Discounts: Progressive offers savings for being a customer for a year or longer, which automatically applies to your account.
Cons
- Low Customer Loyalty: Despite being one of the cheapest pay-per-mile car insurance companies, Progressive struggles to keep its customers.
- Unexpected Rate Increases: Progressive rates can increase unexpectedly, even when nothing about your situation has changed. Learn more about Progressive’s rates in our Progressive auto insurance review.
#2 – Allstate: Best Full Coverage Policies
Pros
- UBI Programs: Allstate offers two UBI options: Milewise and Drivewise. Drivewise offers a discount of up to 40% for safe driving, while Milewise is a pay-per-mile program.
- Daily Mileage Cap: Allstate is one of the best pay-per-mile auto insurance companies because it offers a generous daily cap of 250 miles.
- Coverage Options: Get the best coverage possible with Allstate’s add-on options, like roadside assistance and extended vehicle care coverage. See all your coverage options in our Allstate auto insurance review.
Cons
- Higher Rates: No matter which ZIP code you live in or what your driving record looks like, Allstate is almost always one of the most expensive insurance options.
- Mixed Reviews: Some customers are loyal Allstate drivers for life, but others report feeling deeply unsatisfied with their Allstate experience.
#3 – State Farm: Best for Personalized Service
Pros
- Drive Safe & Save: State Farm offers low-mileage drivers savings of up to 30% for practicing safe habits on the road.
- Solid Discounts: State Farm offers 13 discounts to help drivers save. See how much you can save in our State Farm auto insurance review.
- Wide Network of Agents: You can always get personalized help from State Farm, as it has one of the largest networks of agents in the country.
Cons
- Limited Availability: Drive Safe & Save is not available everywhere. To see if you can sign up, check out our State Farm auto insurance review.
- Fewer Coverage Options: State Farm is one of the largest companies in the country, so drivers are often surprised by the company’s small selection of insurance add-ons.
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#4 – Nationwide: Best UBI Savings
Pros
- SmartRide: For drivers who regularly practice safe driving habits, Nationwide offers up to 40% off with SmartRide.
- SmartMiles: Nationwide sets itself apart as one of the cheapest pay-per-mile auto insurance companies with the mileage tracking program SmartMiles. See which UBI program works best for you in our Nationwide auto insurance review.
- Low Rates for Teens: Nationwide is one of the most affordable options for teen auto insurance.
Cons
- Rates can be high: High-risk drivers typically see much higher rates from Nationwide. If you have a speeding ticket, at-fault accident, or DUI, Nationwide pay-per-mile insurance is not the cheapest choice for you.
- Coverage Options Lacking: Nationwide doesn’t offer the longest list of coverage options. For example, it doesn’t sell rideshare insurance.
#5 – Liberty Mutual: Best for Diverse Coverage Options
Pros
- RightTrack: Save up to 30% with Liberty Mutual’s UBI option, RightTrack. Learn more about RightTrack in our Liberty Mutual auto insurance review.
- Teacher Discounts: Liberty Mutual is dedicated to helping educators find affordable coverage. One way Liberty Mutual accomplishes this mission is through teacher discounts.
- Unique Coverage Options: Liberty Mutual gives you plenty of customization options, including add-ons like original parts replacement and gap insurance.
Cons
- ByMile Discontinued. Liberty Mutual was once one of the best pay-per-mile car insurance companies, but it discontinued its ByMile program in favor of RightTrack.
- High Level of Complaints: Liberty Mutual receives more customer complaints than is expected for a company of its size.
#6 – Farmers: Best Discount Selection
Pros
- Long List of Discounts: Farmers sets itself apart by offering 23 discounts. See which discounts you might qualify for in our Farmers auto insurance review.
- Signal App: While it’s not one of the actual pay-as-you-go insurance companies in Pennsylvania, you can get a discount for being a low-mileage driver by signing up for the Signal app.
- Variety of Coverage Options: Add things like roadside assistance and customized equipment coverage to increase the value of your Farmers’ policy.
Cons
- Signal App Can Increase Rates. Most UBI programs don’t increase your rates if your driving habits aren’t good enough, but some customers have seen their prices rise.
- Higher Rates: Farmers has higher-than-average rates for almost every type of driver.
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#7 – Erie: Best for Affordable Rates
Pros
- YourTurn: Although it doesn’t track mileage, YourTurn is an excellent telematics option to help safe drivers save up to 30%.
- Low Mileage Quotes: When you request a quote from Erie, one of the factors it carefully considers is your annual mileage. Drivers who put fewer miles on their car than the national average will pay less.
- Excellent Customer Service: Erie has top-rated customer service experiences. See what customers have to say in our Erie auto insurance review.
Cons
- Rates Less Competitive: Some drivers see affordable rates from Erie, but drivers with bad credit scores should look elsewhere.
- No Online Quotes: It may offer some of the best full coverage auto insurance in Pennsylvania, but you’ll need to speak to a representative to purchase it.
#8 – Travelers: Best Customer Service
Pros
- Customer Service: Most customers report feeling satisfied with the customer service experience provided by Travelers.
- IntelliDrive: Save up to 30% on your insurance with IntelliDrive, which tracks driving habits like your daily mileage to help you save. See if IntelliDrive is right for you in our Travelers auto insurance review.
- Responsible Driver Plan: Travelers’ Responsible Driver Plan conveniently bundles accident and minor violation forgiveness coverage into one package.
Cons
- Some drivers pay more. If you have a low credit score, Travelers may not be the cheapest option for your car insurance.
- Limited Online Options: Travelers doesn’t offer as many digital tools as some of its competitors, instead preferring to have agents help their customers directly.
#9 – Metromile: Best for Pay-Per-Mile Quotes
Pros
- True Pay-Per-Mile Coverage: Metromile only sells pay-per-mile policies, making it an expert on pay-as-you-go full coverage insurance.
- Transparent Pricing: Metromile’s pay-per-mile rates are easy to understand. See how much you might pay in our Metromile auto insurance review.
- Highly Rated App: Most customers agree that Metromile’s mobile app is easy to use and offers excellent insurance management tools.
Cons
- Limited Coverage Options: Metromile doesn’t have as many coverage options compared with more traditional insurance providers.
- High Number of Complaints: Metromile receives almost four times as many complaints as the national average.
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#10 – Root: Best for Rates Based on Driving Habits
Pros
- Customized Rates: As one of the best non-standard insurance companies, Root offers quotes based almost exclusively on how you drive. Learn more about Root’s driving test in our Root auto insurance review.
- User-Friendly App: Root’s app is easy to use to track driving habits and manage your policy.
- Low Rates: Since Root doesn’t cover people with bad driving habits, it’s able to provide highly affordable Pennsylvania auto insurance quotes.
Cons
- Lack of Traditional Support: Getting personalized help from a Root agent can be difficult as the company does not have a large network of representatives.
- Often Declines Coverage: Root has one of the highest rates of declining insurance applications.
Pennsylvania Pay-As-You-Go Auto Insurance Explained
Pay-as-you-go auto insurance offers the same coverage as a standard policy. The only major difference is how your rates are calculated. Pay-per-mile rates are split into two parts – a flat fee and how much you’ll pay per mile.
Your flat fee is determined similarly to standard insurance rates. The company you get a quote from will look at factors like your age, location, and driving history to determine how much you’ll pay every day. Then, you’ll get a per-mile fee, too. Your per-mile fee is usually just a few cents per mile.
Pay-per-mile companies are a great place to find cheap auto insurance for infrequent drivers. However, not all drivers can benefit from it.
Pros and Cons of Pay-As-You-Go Auto Insurance
The main benefit of pay-as-you-go auto insurance is that you can save substantially. The best pay-as-you-go auto insurance companies offer rates as low as just $30 per month.
Take a look at the prices below to see how annual mileage affects auto insurance rates.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Annual Mileage
| Age & Gender | 6,000 Miles | 10,000 Miles | 12,000 Miles | 15,000 Miles |
|---|---|---|---|---|
| 16-Year-Old Female | $76 | $138 | $171 | $203 |
| 16-Year-Old Male | $90 | $155 | $184 | $232 |
| 20-Year-Old Female | $100 | $161 | $184 | $218 |
| 20-Year-Old Male | $106 | $183 | $205 | $256 |
| 30-Year-Old Female | $102 | $159 | $181 | $228 |
| 30-Year-Old Male | $119 | $185 | $197 | $248 |
| 40-Year-Old Female | $102 | $164 | $176 | $218 |
| 40-Year-Old Male | $106 | $185 | $192 | $234 |
| 50-Year-Old Female | $100 | $164 | $173 | $216 |
| 50-Year-Old Male | $104 | $170 | $184 | $224 |
| 60-Year-Old Female | $61 | $109 | $136 | $175 |
| 60-Year-Old Male | $83 | $142 | $171 | $214 |
| 70-Year-Old Female | $57 | $98 | $109 | $164 |
| 70-Year-Old Male | $73 | $138 | $162 | $202 |
Annual mileage plays an essential role in how much you pay for insurance, but it’s not the only factor companies look at. They also consider things like your age and gender. To see how these factors affect your rates, check the table below.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $216 | $679 |
| 16-Year-Old Male | $209 | $629 |
| 20-Year-Old Female | $110 | $344 |
| 20-Year-Old Male | $107 | $324 |
| 30-Year-Old Female | $44 | $132 |
| 30-Year-Old Male | $44 | $134 |
| 40-Year-Old Female | $41 | $122 |
| 40-Year-Old Male | $41 | $126 |
| 50-Year-Old Female | $36 | $113 |
| 50-Year-Old Male | $37 | $115 |
| 60-Year-Old Female | $35 | $102 |
| 60-Year-Old Male | $35 | $102 |
| 70-Year-Old Female | $44 | $136 |
| 70-Year-Old Male | $44 | $136 |
Finding affordable insurance as a young driver is difficult, but shopping at Pennsylvania auto insurance companies that offer pay-per-mile rates can help keep prices low.
— Metromile (@Metromile) July 22, 2022
While pay-per-mile insurance comes with some great benefits, there are drawbacks, too.
Drivers who put 10,000 or more miles on their vehicle every year should steer clear of low-mileage insurance plans.Michelle Robbins Licensed Insurance Agent
Drivers should also make sure they’re comfortable sharing their driving data with their insurance companies before signing up. If privacy is more important than insurance savings, you might want to meet your Pennsylvania auto insurance requirements somewhere else.
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Understanding Pennsylvania Auto Insurance Laws
Pennsylvania is a no-fault state, meaning your insurance has to pay for your own medical bills after an accident, no matter who was at fault. No-fault insurance is also known as personal injury protection (PIP) insurance.
Finding cheap no-fault insurance is usually simple. However, you should understand Pennsylvania auto insurance laws before you find coverage.
Pennsylvania Auto Insurance Requirements
Pennsylvania is one of the many states that require auto insurance. Unless you meet the minimum requirements, you can’t legally drive. That applies to business vehicles, too – you have to meet Pennsylvania commercial auto insurance requirements the same as you do for personal coverage.
Pennsylvania requires a bit more insurance than the average state. First, you’ll need a 25/50/25 liability plan to cover damage and injuries you cause. Then, you’ll need $5,000 worth of first party benefits to cover your medical expenses.Kristen Gryglik Licensed Insurance Agent
Pennsylvania’s auto insurance requirements play a huge role in the state’s average rates. To see how that translates, check the average price of insurance in some of Pennsylvania’s biggest cities below.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Allentown | Erie | Philadelphia | Pittsburgh | Scranton |
|---|---|---|---|---|---|
| 16-Year-Old Female | $189 | $180 | $344 | $183 | $184 |
| 16-Year-Old Male | $183 | $174 | $333 | $177 | $178 |
| 20-Year-Old Female | $96 | $92 | $175 | $93 | $94 |
| 20-Year-Old Male | $94 | $89 | $170 | $91 | $91 |
| 30-Year-Old Female | $38 | $37 | $70 | $37 | $38 |
| 30-Year-Old Male | $38 | $37 | $70 | $37 | $38 |
| 40-Year-Old Female | $36 | $34 | $65 | $35 | $35 |
| 40-Year-Old Male | $36 | $34 | $65 | $35 | $35 |
| 50-Year-Old Female | $31 | $30 | $57 | $30 | $31 |
| 50-Year-Old Male | $32 | $31 | $59 | $31 | $32 |
| 60-Year-Old Female | $31 | $29 | $56 | $30 | $30 |
| 60-Year-Old Male | $31 | $29 | $56 | $30 | $30 |
| 70-Year-Old Female | $38 | $37 | $70 | $37 | $38 |
| 70-Year-Old Male | $38 | $37 | $70 | $37 | $38 |
Although rates can be high, the best pay-as-you-go auto insurance companies can help low-mileage drivers save.
Limited Tort vs. Full Tort Auto Insurance
Pennsylvania offers two insurance options – limited tort and full tort.
Pennsylvania auto insurance tort options might sound confusing, but it comes down to one basic concept — determining who is required to pay when someone is injured in an automobile accident.David Reischer Licensed Attorney
Pennsylvania auto insurance claims laws give people the right to choose how to file an auto insurance claim if they’re injured. These options are:
- Full Tort: If you’re injured in an accident, you can sue the responsible driver for medical costs.
- Limited Tort: If you’re injured in an accident, your insurance will cover your medical bills regardless of who was at fault.
There are exceptions to the limitation of a limited tort policy that allows you to sue the other driver. These include:
- Loss of limb
- Serious impairment
- An injury that can stop you from working for the rest of your life
- Permanent disfigurement
You can also sue if the driver was under the influence of drugs or alcohol, doesn’t have insurance, has a car registered in another state, or was intentionally trying to hurt you.
How to Get Cheaper Pennsylvania Auto Insurance Rates
Aside from signing up for low-mileage auto insurance, there are plenty of ways to find reasonably priced insurance.
Discounts are one of the first places you should look, Most major insurance companies offer a selection of discounts to help you save, including low-mileage auto insurance discounts.
Our top companies offer a variety of discounts that low-mileage drivers might find helpful.
Other than auto insurance discounts, you can reduce how much you pay for auto insurance by lowering your coverage, keeping your driving record clean, increasing your deductible, and comparing quotes.
Where to Buy the Best Pay-As-You-Go Auto Insurance in PA
Pennsylvania auto insurance laws are a bit more complicated than the average state, but that doesn’t mean you can’t find affordable coverage as a low-mileage driver. Progressive offers the best low-mileage insurance in Pennsylvania, thanks to Snapshot. Still, you might find that a different company suits you better.
Enter your ZIP code into our free comparison tool below to find the best pay-as-you-go insurance for your needs.
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Frequently Asked Questions
What is the average cost of auto insurance per month in Pennsylvania?
The average driver pays $45 per month for minimum insurance and $88 for a full coverage auto insurance policy. However, you should always compare rates because insurance quotes vary by driver.
What is the minimum auto insurance in Pennsylvania?
Pennsylvania minimum auto insurance requirements include the following:
- Bodily Injury Liability: $15,00 per person, $30,000 per accident
- Property Damage Liability: $5,000
- Uninsured Motorist: $15,000 per person, $30,000 per accident
- Underinsured Motorist: $15,000 per person, $30,000 per accident
- First Party Benefits: $5,000
However, you can request to skip purchasing uninsured and underinsured motorist coverage.
What is one way to lower your Pennsylvania insurance costs?
There are several ways to lower your auto insurance costs in Pennsylvania. You can do things like compare quotes, find discounts, sign up for a UBI program, lower your coverage, and raise your deductible.
One of the most important steps to take when looking for affordable coverage is to compare quotes. Enter your ZIP code into our free tool to find the lowest insurance in your area.
Who typically has the cheapest Pennsylvania auto insurance?
Although rates can vary significantly, our research shows that Root has the cheapest Pennsylvania auto insurance rates for low-mileage drivers. Compare rates in our Root auto insurance review.
What is the best pay-per-mile auto insurance in Pennsylvania?
The best pay-per-mile auto insurance in Pennsylvania comes from Progressive.
Which auto insurance company has the highest customer satisfaction in Pennsylvania?
The company with the fewest negative Pennsylvania pay-per-mile auto insurance reviews is Travelers.
What is the best auto insurance for seniors in Pennsylvania?
The best auto insurance for seniors in Pennsylvania comes from AARP, Geico, and State Farm.
Who is cheaper for pay-as-you-go auto insurance in PA, Allstate or Progressive?
In Pennsylvania, Progressive’s average pay-as-you-go auto insurance rates are $5 cheaper than Allstate’s. Progressive drivers pay an average of $50 per month, while Allstate customers pay $55.
Is Geico auto insurance in Pennsylvania cheaper than Progressive?
Geico doesn’t top our list of the best pay-per-mile insurance in Pennsylvania, so low-mileage drivers will be better off with Progressive. However, standard auto insurance policies are slightly cheaper at Geico. Read our Geico auto insurance review to learn more.
What is the difference between Allstate Drivewise and Milewise?
Drivewise is Allstate’s telematic program, which tracks driving behaviors to give drivers a discount. Milewise is the Allstate pay-per-mile program that charges drivers for each mile they drive.
What is the maximum miles per day for Allstate Milewise?
Milewise caps your daily miles at 250, so you won’t have to pay outrageous fees if you go on a road trip.
Does Allstate Milewise track your speed?
Yes, Milewise tracks a variety of driving behaviors to generate personalized driving advice. However, it doesn’t affect your Milewise rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
