Cheapest Teen Driver Auto Insurance in Pennsylvania (Top 10 Companies for 2024)
Allstate, State Farm, and USAA have the cheapest teen driver auto insurance in Pennsylvania. Allstate has the lowest rates of $75/mo. If your teen driver is at college without their car, compare rates from State Farm, which offers big student-away-at-school discounts up to 25%
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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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6,435 reviewsThe cheapest teen driver auto insurance in Pennsylvania comes from Allstate, State Farm, and USAA.
Although Allstate is typically an expensive option for Pennsylvania auto insurance, it offers the cheapest car insurance for 17-year-olds and other teens. It also offers a variety of add-ons so drivers can customize their policy.
Our Top 10 Picks: Cheapest Teen Driver Auto Insurance in Pennsylvania
| Company | Rank | Monthly Rates | AM Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $75 | A+ | Competitive Rates | Allstate |
 | #2 | $80 | B | Exceptional Discounts | State Farm |
 | #3 | $82 | A++ | Driver Discounts | USAA |
 | #4 | $85 | A+ | Personalized Service | Progressive |
 | #6 | $88 | A++ | Safe Driving | Travelers |
 | #6 | $89 | A | Safe-Driving Discounts | Farmers |
 | #7 | $90 | A+ | Student Discounts | Erie |
 | #8 | $92 | A | Driver Discounts | Liberty Mutual |
 | #9 | $95 | A+ | Driver Program | Nationwide |
 | #10 | $100 | A | Cost Coverage | The General |
Use the Pennsylvania car insurance guide below to find the cheapest rates for teens. When you’re ready, enter your ZIP code into our free tool to start looking at quotes.
- Auto insurance rates in Pennsylvania are usually affordable for teens
- Teens can keep rates low by following Pennsylvania junior license laws
- Allstate has the cheapest teen driver auto insurance in Pennsylvania
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#1 – Allstate: Top Pick Overall
Pros
- TeenSMART: The TeenSMART program is designed to help teens learn how to avoid accidents. Allstate offers a discount to teens who complete this program, which they can keep until they turn 25.
- Teen Coverage Options: Allstate offers a variety of ways for teen drivers in Pennsylvania to get a policy. Popular coverage options include roadside assistance. See more in our Allstate auto insurance review.
- UBI Programs: Allstate offers two usage-based insurance (UBI) options. Safe drivers can earn a discount of up to 40% with Drivewise, while low-mileage teens can get cheaper rates with Milewise.
Cons
- Claims Resolution Issues: Many Allstate customers report feeling unsatisfied with how long it took to resolve their auto insurance claim.
- Higher Rates: It may offer cheap Pennsylvania auto insurance quotes for teens, but Allstate is usually one of the most expensive options when entire families want affordable coverage.
#2 – State Farm: Best Student Driver Discounts
Pros
- Student Discounts: Teens can get the best Pennsylvania auto insurance plan by qualifying for State Farm’s student discounts. Explore your discount options in our State Farm auto insurance review.
- Teen Safe Driver Program: State Farms Teen Safe Driver Program offers a discount for completion and valuable driving insights.
- Drive Safe & Save: Agree to let State Farm track your driving habits for a discount of up to 30% with the UBI program, Drive Safe & Save.
Cons
- Lacking Online Options: With a focus on in-person sales, State Farm lacks some of the digital tools that many of its competitors have.
- Limited Add-On Availability: Despite being the largest insurance company in the country, State Farm lacks valuable coverage options like gap insurance.
#3 – USAA: Best for Teens in Military Families
Pros
- Low Rates: USAA is almost always an affordable option for Pennsylvania auto insurance rates, making it easy for the whole family to get cheap coverage.
- Superb Customer Service: USAA maintains high customer service ratings and a reputation for helpful, friendly representatives.
- SafePilot: Teens can save up to 30% on their Pennsylvania auto insurance rates by enrolling in the UBI program SafePilot. See if SafePilot could help you save in our USAA auto insurance review.
Cons
- No Gap Insurance: The best full coverage auto insurance in Pennsylvania typically includes gap insurance if you don’t own your vehicle outright, but USAA does not sell it.
- Eligibility Restrictions: USAA may have some of the best car insurance for 16-year-olds and other teens, but only kids in military families qualify for coverage.
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#4 – Progressive: Best for Robust Digital Tools
Pros
- Robust Online Tools: Progressive offers a variety of innovative digital tools. Explore how to get cheap Pennsylvania car insurance online in our Progressive auto insurance review.
- Teen Discounts: Progressive offers 13 discounts to help you find cheap Pennsylvania auto insurance for young adults, including savings just for adding a teen driver to your policy.
- Snapshot: Progressive’s UBI program Snapshot offers safe drivers a discount of up to 30%.
Cons
- Low Customer Loyalty: Plenty of drivers sign up for Progressive car insurance, but the company struggles to keep customers in the long term.
- Rate Hikes: Many customers report unexpected rate increases when their Progressive policy is renewed, even though nothing has changed about their situation.
#5 – Travelers: Best for Teen Driver Support
Pros
- Teen Driver Resources: The best car insurance for 15-year-olds with a permit and older teens with licenses comes down to the right support. Travelers agents are available to answer teen questions.
- Generous Discounts: Travelers offers 17 discounts to help teens get cheap Pennsylvania auto insurance online. Explore all your discount options in our Travelers auto insurance review.
- IntelliDrive: Teens always pay more for insurance because they’re riskier drivers, but you can negate some of that risk by enrolling in IntelliDrive. IntelliDrive offers a maximum discount of 30%.
Cons
- Mixed Reviews: Although Travelers offers some of the best car insurance for 17-year-olds and other teens, not every driver is completely satisfied with their experience.
- Limited Digital Options: Travelers is a more traditional insurance provider. If you want the latest in online insurance management, Travelers may not be the right company.
#6 – Farmers: Best for Discount Availability
Pros
- Tons of Discounts: Farmers has one of the longest lists of discounts on the market, with an impressive 23 opportunities for savings.
- Helpful Representatives: Farmers promises that its friendly representative will always be ready to help, especially for young drivers just getting started.
- Signal App: Save up to 30% by downloading the Signal app and signing up to participate in Farmers’ UBI program.
Cons
- Slow Roadside Assistance: You might want roadside assistance in case your teen needs help. Farmers sells roadside assistance, but many users say the service is excessively slow.
- High Number of Complaints: Farmers receives more complaints than is expected. See what customers complain about in our Farmers auto insurance review.
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#7 – Erie: Best Customer Service
Pros
- Rate Lock: Purchase rate lock to prevent your rates from being increased later unless you make a major change to your policy.
- Excellent Customer Service: Not only does Erie offer some of the cheapest car insurance for 16-year-olds, but it also offers a stellar customer service experience.
- YourTurn: Erie offers a discount of up to 30% to drivers who sign up for the UBI program YourTurn. See if YourTurn fits your lifestyle in our Erie auto insurance review.
Cons
- Limited Discounts: Erie only offers eight discounts to help drivers find the cheapest full coverage auto insurance in Pennsylvania.
- Fewer Online Tools: It may offer some of the cheapest car insurance for 16-year-olds and other teens, but Erie isn’t always the best choice for young drivers who may benefit from more tech-savvy insurance.
#8 – Liberty Mutual: Best for Policy Customization Options
Pros
- RightTrack: Save up to 30% on your teen auto insurance with Liberty Mutual’s UBI program, RightTrack.
- Unique Coverage Options: It’s easy to get the best car insurance for 17-year-olds and other teens with Liberty Mutual’s add-on options. Explore your policy options in our Liberty Mutual auto insurance review.
- Young Driver Resources: Understanding how insurance works can be challenging for new drivers, but Liberty Mutual representatives are always ready to help.
Cons
- Claims Issues: Liberty Mutual car insurance reviews frequently mention that drivers had issues with the claims resolution process.
- Higher Rates: Liberty Mutual may offer low rates for young drivers, but older drivers will likely find better prices elsewhere.
#9 – Nationwide: Best for UBI Savings
Pros
- Telematics Programs: Nationwide offers a discount of up to 40% with the UBI program SmartRide. If you’re a low-mileage driver, you can get a pay-per-mile plan with SmartMiles.
- Solid Discounts: Nationwide offers just 11 discounts to help you save, but teens often qualify for several options.
- Optional Coverage: Get more than just no-fault Pennsylvania auto insurance requirements with Nationwide. Pick the best coverage options for you in our Nationwide auto insurance review.
Cons
- Lacking Digital Tools: Nationwide isn’t the most modern auto insurance option in Pennsylvania – it lacks many of the digital tools you can find at other companies.
- Average Premiums: You can get affordable no-fault Pennsylvania car insurance for teens at Nationwide, but most other drivers see quotes that hover around the national average.
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#10 – The General: Best for High-Risk Teens
Pros
- Reliable Online Tools: It’s easy to manage your policy, make payments, and start claims with The General’s excellent mobile app and website.
- High-Risk Coverage: The General is famous for accepting high-risk drivers that other companies reject. Read our review of The General auto insurance to save money if your driving record is less than perfect
- Secondary Driver Status: Parents or guardians adding a teen to their policy can designate a teen as a secondary driver. Secondary driver status means you’ll pay much less for teen insurance.
Cons
- Bigger Deductibles: The General typically requires drivers to pay a higher deductible before coverage kicks in compared to traditional providers.
- Higher Rates: The General’s customer base is comprised of high-risk drivers who are more likely to file claims. Because of this, The General’s average rates tend to be higher.
Pennsylvania Auto Insurance Requirements for New Drivers
Pennsylvania minimum auto insurance requirements are the same for all drivers, regardless of your experience level. Pennsylvania auto laws require all drivers to carry the following:
- 15/30/5 liability insurance
- $5,000 personal injury protection coverage
- Full or limited tort
Pennsylvania auto insurance tort options and coverage amounts play a role in your rates, but most drivers see affordable rates. Check below to see how much you might pay for your Pennsylvania auto insurance.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $220 | $566 |
| 16-Year-Old Male | $252 | $618 |
| 17-Year-Old Female | $240 | $600 |
| 17-Year-Old Male | $270 | $660 |
| 18-Year-Old Female | $179 | $416 |
| 18-Year-Old Male | $216 | $501 |
| 19-Year-Old Female | $200 | $470 |
| 19-Year-Old Male | $240 | $570 |
| 20-Year-Old Female | $190 | $450 |
| 20-Year-Old Male | $230 | $530 |
| 21-Year-Old Female | $170 | $400 |
| 21-Year-Old Male | $210 | $490 |
It’s harder to get cheap auto insurance for 18-year-olds and other teens than it is for older drivers, but it’s not impossible. A good place to start your search for affordable insurance is with our top companies. Check the rates below to see how much the top Pennsylvania companies for teen drivers charge for insurance on average.
Pennsylvania Auto Insurance Monthly Rates for Teens by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $75 | $155 |
| Erie | $90 | $170 |
| Farmers | $89 | $165 |
| Liberty Mutual | $92 | $175 |
| Nationwide | $95 | $180 |
| Progressive | $85 | $160 |
| State Farm | $80 | $150 |
| The General | $100 | $190 |
| Travelers | $88 | $165 |
| USAA | $82 | $140 |
Young drivers in Pennsylvania face more driving rules than older adults, which can also complicate insurance rates.
In Pennsylvania, you’ll lose your license for 90 days if you accumulate six or more points during your probationary period. Some of the restrictions on teen driving include a Pennsylvania junior license curfew, passenger limitations, and seatbelt use.Zach Fagiano Licensed Insurance Broker
Your best course of action is to avoid infractions during your probationary period. Getting points on your license as a teen can not only cost you your license but also make your insurance rates skyrocket.
Teen Driver Auto Insurance Rates in Pennsylvania
Finding companies with the cheapest teen auto insurance rates requires that you compare quotes with as many providers as possible. Comparing quotes is crucial because companies consider teens a much riskier prospect to insure as they are more likely to engage in reckless driving.
.@MeredithFoster & @BrentRivera are helping us spread the word about teen driver safety! Tell them how you #Drive2N2 pic.twitter.com/4wnicLvEXU
— State Farm (@StateFarm) November 23, 2015
To get an idea of why comparing quotes is so important, take a look at the rates below based on teens with clean driving records and those with traffic infractions.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Driving Record
| Age Group & Gender | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| 16-Year-Old Female | $320 | $380 | $450 | $450 |
| 16-Year-Old Male | $350 | $400 | $470 | $470 |
| 17-Year-Old Female | $300 | $360 | $430 | $430 |
| 17-Year-Old Male | $330 | $380 | $450 | $450 |
| 18-Year-Old Female | $280 | $340 | $400 | $400 |
| 18-Year-Old Male | $310 | $360 | $420 | $420 |
| 19-Year-Old Female | $260 | $320 | $380 | $380 |
| 19-Year-Old Male | $300 | $350 | $410 | $410 |
| 20-Year-Old Female | $250 | $310 | $370 | $370 |
| 20-Year-Old Male | $290 | $340 | $400 | $400 |
| 21-Year-Old Female | $240 | $300 | $360 | $360 |
| 21-Year-Old Male | $280 | $330 | $390 | $390 |
Of course, where you live plays an important role, too. Some areas in Pennsylvania have much higher insurance rates based on traffic density, crime rates, and accidents. Take a look below to see insurance rates in Pennsylvania’s largest cities.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Allentown | Erie | Philadelphia | Pittsburgh | Scranton |
|---|---|---|---|---|---|
| 16-Year-Old Female | $238 | $218 | $260 | $245 | $230 |
| 16-Year-Old Male | $253 | $233 | $275 | $260 | $245 |
| 17-Year-Old Female | $233 | $220 | $255 | $240 | $225 |
| 17-Year-Old Male | $248 | $235 | $270 | $255 | $240 |
| 18-Year-Old Female | $180 | $161 | $202 | $187 | $172 |
| 18-Year-Old Male | $209 | $189 | $231 | $216 | $201 |
| 19-Year-Old Female | $173 | $160 | $195 | $180 | $165 |
| 19-Year-Old Male | $198 | $185 | $220 | $205 | $190 |
| 20-Year-Old Female | $165 | $152 | $187 | $172 | $157 |
| 20-Year-Old Male | $185 | $172 | $207 | $192 | $177 |
| 21-Year-Old Female | $155 | $142 | $177 | $162 | $147 |
| 21-Year-Old Male | $170 | $157 | $192 | $177 | $162 |
Other factors that affect your insurance rates include your gender, marital status, credit score, and the type of car you drive. Insurance companies look at the same factors but use unique quote crafting formulas. If you don’t compare rates, you’ll almost certainly pay too much for your coverage.
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What to Know Before Adding a Teen to Auto Insurance
With teen rates so high, it can be difficult to afford coverage. Luckily, parents and guardians can help teens save by adding them as drivers to their auto insurance policy. Check below to see the difference in prices when a teen is added to a family plan.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Policy Type
| Age & Gender | Individual Policy | Parent's Policy |
|---|---|---|
| 16-Year-Old Female | $220 | $540 |
| 16-Year-Old Male | $252 | $590 |
| 17-Year-Old Female | $235 | $570 |
| 17-Year-Old Male | $268 | $620 |
| 18-Year-Old Female | $189 | $520 |
| 18-Year-Old Male | $216 | $570 |
| 19-Year-Old Female | $198 | $550 |
| 19-Year-Old Male | $225 | $600 |
| 20-Year-Old Female | $170 | $490 |
| 20-Year-Old Male | $195 | $540 |
| 21-Year-Old Female | $145 | $420 |
| 21-Year-Old Male | $170 | $470 |
Before you add a teen to your policy, you should evaluate their driving skills. Your insurance rates can be affected by a teen driver for years, even if they’re no longer on your policy.
Comparing Teen Auto Insurance Discounts
When you need cheap auto insurance for learner’s permit drivers or licensed teens.
There are several steps you can take to find cheap teen auto insurance coverage. One of the most important is to ask about car insurance discounts.Laura D. Adams Insurance & Finance Analyst
Check below to see discounts that teens might qualify for from our top companies in Pennsylvania.
You can also try the following methods to find the cheapest car insurance for 15-year-olds and other teens:
- Lower your coverage
- Raise your deductible
- Take a driving class
- Keep your driving record clean
You should also compare quotes with as many companies as possible. You only need a few pieces of information to fill out quote request forms on most major insurance companies’ websites.
If you want to skip the hassle of filling out multiple forms, try a quote comparison tool to see a variety of rates.
Get the Cheapest Teen Driver Auto Insurance in Pennsylvania
Allstate, State Farm, and USAA have the cheapest teen driver car insurance in PA, but rates are always higher than average until teens reach their 20s. Whether you take advantage of auto insurance discounts or take a driver’s education course, there are plenty of ways to find the cheapest teen driver auto insurance in Pennsylvania.
Lowering your coverage, raising your deductible, and avoiding accidents are easy ways to save money on teen insurance. Just make sure you can afford to pay more out-of-pocket if you decide to lower coverage and need to make a claim.Michael Leotta Insurance Operations Specialist
Whatever steps you take, the most crucial is to compare multiple insurance quotes. Luckily, comparing quotes is simple — enter your ZIP code into our free comparison tool to get started now.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is the average cost of auto insurance in Pennsylvania?
Average car insurance rates in Pennsylvania depend on a variety of factors. For teens, the average driver pays $87 per month for minimum insurance and $165 for full coverage.
What are the minimum auto insurance requirements in Pennsylvania?
Pennsylvania requires a 15/30/5 liability plan, $5,000 worth of first-party insurance, and either full or limited tort options.
Does a permit driver need insurance in Pennsylvania?
A permit driver needs insurance for many reasons in Pennsylvania. First, you’ll need insurance to practice driving on Pennsylvania streets. You’ll also need insurance if you’re trying to buy a car with a learner’s permit.
Who has the cheapest teen driver auto insurance in Pennsylvania?
The cheapest teen auto insurance in Pennsylvania comes from Allstate, State Farm, and USAA. However, you may find that other companies have cheaper rates specifically for you. Enter your ZIP code into our free comparison tool to find out where the cheapest insurance for you is.
What are the rules for a junior driver’s license in Pennsylvania?
There are many rules permit drivers should be aware of. For example, 16-year-old driving restrictions in Pennsylvania say you can’t drive alone with a permit or carry more passengers in your car than there are seatbelts.
Do parents have to add teens to their auto insurance in Pennsylvania?
Most insurance companies require you to add any driver who lives in your house and has access to your car to your policy. If you’re unsure of adding your teen to your policy, ask your insurance representative for more information.
What is the Cinderella law in Pennsylvania?
The Cinderella law in Pennsylvania states that drivers with a junior license cannot be on the road between the hours of 11 pm and 5 am, except for school or volunteering purposes.
How much is car insurance for a 16-year-old in Pennsylvania?
Finding cheap auto insurance for 16-year-olds in Pennsylvania can be difficult as they typically see some of the highest insurance rates. 16-year-olds typically pay $236 for minimum insurance and $592 per month for full coverage in Pennsylvania.
How much is insurance for a 17-year-old in Pennsylvania?
The average 17-year-old pays $255/mo for minimum insurance and $630 for full coverage. It’s hard to find cheap auto insurance for 17-year-olds for similar reasons to their younger counterparts, despite their typically having more experience, but because more older teen drivers are off their family plans.
Does insurance follow the car or driver in Pennsylvania?
Typically speaking, insurance follows the car in Pennsylvania, not the driver. The only exception to this rule is if you purchase a non-owner policy, which covers you no matter what you drive.
How old do you have to be to buy a car in Pennsylvania?
There is no law in Pennsylvania that says how old you need to be before you can purchase a car. However, there are rules for buying insurance and purchasing at a dealership, so make sure you check before you try buying.
How can you avoid high car insurance premiums as a teen driver?
There are many steps you can take to avoid high premiums, but one of the most important is to keep your driving record clean. High-risk auto insurance can double or triple teen insurance costs. Your rates will gradually drop as you get older, unless you have traffic infractions on your record.
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.
