Cheapest Teen Driver Auto Insurance in Pennsylvania for 2025 (10 Most Affordable Companies)
Allstate, State Farm, and USAA have the cheapest teen driver auto insurance in Pennsylvania. Allstate has the lowest rates of $75 per month. If your teen driver is at college without their car, compare rates from State Farm, which offers big student-away-at-school discounts of 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: Apr 3, 2025
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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: Apr 3, 2025
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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11,638 reviewsCompany Facts
Min. Coverage for Teens in PA
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
18,154 reviewsCompany Facts
Min. Coverage for Teens in PA
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
6,589 reviewsCompany Facts
Min. Coverage for Teens in PA
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviewsAllstate, State Farm, and USAA offer the cheapest teen driver auto insurance in Pennsylvania.
While Allstate is often seen as pricey, it offers the lowest teen rates in Pennsylvania at $75 per month and flexible coverage.
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 |
State Farm offers top student discounts, and USAA is best for military families. Compare quotes to find the best Pennsylvania auto insurance and the cheapest teen rates.
Use the Pennsylvania auto 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.
- Compare quotes to find the cheapest teen driver auto insurance in Pennsylvania
- Teens can save with discounts for good grades, driving courses, and family policies
- Allstate offers the lowest teen rates in PA at $75/month with customizable coverage
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#1 – Allstate: Top Pick Overall
Pros
- TeenSMART: Aimed at teaching teens how to avoid accidents. Allstate also gives teens a discount for completing 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 has two UBI programs. With Drivewise, safe drivers can earn a discount of up to 40%, and teen drivers who drive little 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.
- Increased Premiums: 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 may access State Farm’s student discounts to help them qualify for the best Pennsylvania auto insurance plan. Explore discount options in our State Farm auto insurance review.
- Teen Safe Driver Program: State Farm Teenage Driver Program offers driving insights and a potential discount, helping teens build safe habits and save on insurance.
- Drive Safe & Save: The UBI program allows you to agree to let State Farm monitor your driving habits in exchange for a discount of up to 30%.
Cons
- Lacking Online Options: State Farm focuses on in-person sales and lacks some of its competitors’ digital tools.
- 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 consistently one of the most affordable choices for Pennsylvania auto coverage, making it simple for your whole family to find cheap coverage.
- Superb Customer Service: USAA consistently receives high customer service ratings and has 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 on auto insurance for teen drivers.
- 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 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
- Loads of Discounts: Farmers has one of the longest lists of discounts we saw, with 23 potential ways to save.
- 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 the 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 a rate lock to prevent your rates from increasing 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
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: It can be difficult for new drivers to navigate the ins and outs of insurance, but help from Liberty Mutual representatives is always easily accessible.
Cons
- Claims Issues: Liberty Mutual car insurance reviews frequently mention that drivers had issues with the claims resolution process.
- Elevated Costs: 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 15/30/5 liability insurance, $5,000 in personal injury protection coverage, and either full or limited tort, with rates varying by coverage amounts and tort options, so it’s important to compare quotes from multiple companies using just a few basic details.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $312 | $495 |
| 16-Year-Old Male | $325 | $510 |
| 25-Year-Old Female | $142 | $215 |
| 25-Year-Old Male | $155 | $230 |
| 35-Year-Old Female | $119 | $187 |
| 35-Year-Old Male | $123 | $195 |
| 60-Year-Old Female | $105 | $175 |
| 60-Year-Old Male | $110 | $180 |
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.
Teens in Pennsylvania face license suspension for 90 days after six points. Junior drivers must follow curfews, passenger limits, and seatbelt laws.Jeff Root Licensed Insurance Agent
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 |
|---|---|---|
| $75 | $155 |
| $90 | $170 |
| $89 | $165 |
| $92 | $175 |
| $95 | $180 |
| $85 | $160 |
| $80 | $150 |
| $100 | $190 |
| $88 | $165 |
| $82 | $140 |
Young drivers in Pennsylvania face more driving rules than older adults, which can also complicate insurance rates. 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.
To gain an understanding of how vital comparing quotes can be, check out the rates below for teens with clean driving records and those with traffic infractions. Of course, where you live plays an important role, too.
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 |
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. Other factors that affect your insurance rates include your gender, marital status, credit score, and the type of car you drive.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender & City
| Age & Gender | Allentown | Erie | Philadelphia | Pittsburgh | Scranton |
|---|---|---|---|---|---|
| 16-Year-Old Female | $220 | $210 | $250 | $240 | $210 |
| 16-Year-Old Male | $220 | $210 | $250 | $240 | $210 |
| 25-Year-Old Female | $150 | $140 | $170 | $160 | $145 |
| 25-Year-Old Male | $150 | $140 | $170 | $160 | $145 |
| 35-Year-Old Female | $115 | $105 | $130 | $125 | $110 |
| 35-Year-Old Male | $115 | $105 | $130 | $125 | $110 |
| 60-Year-Old Female | $104 | $95 | $120 | $115 | $100 |
| 60-Year-Old Male | $104 | $95 | $120 | $115 | $100 |
Insurance companies consider similar factors when setting rates, but each uses its own method to calculate premiums. Without comparing quotes, you could end up paying more than necessary. This is especially true for young drivers, as many providers offer plans specifically designed to provide cheap car insurance for 16-year-olds.
With the right approach, cheap car insurance for young adults is possible, especially when staying on a family plan or choosing vehicles in lower-risk categories for car insurance for teenagers.
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What to Know Before Adding a Teen to Auto Insurance
Young drivers in Pennsylvania often face steep insurance costs, but the cheapest car insurance in Pennsylvania is still within reach with the right strategy. 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. Many insurers offer cheap car insurance for 19-year-olds or cheap car insurance for 23-year-olds, especially when paired with good student discounts or participation in driver safety programs.
Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Policy Type
| Age & Gender | Individual Policy | Parent's Policy |
|---|---|---|
| 16-Year-Old Female | $220 | $132 |
| 16-Year-Old Male | $220 | $132 |
| 25-Year-Old Female | $150 | N/A |
| 25-Year-Old Male | $150 | N/A |
| 35-Year-Old Female | $115 | N/A |
| 35-Year-Old Male | $115 | N/A |
| 60-Year-Old Female | $104 | N/A |
| 60-Year-Old Male | $104 | N/A |
For those just starting out, cheap auto insurance for young drivers (or cheap car insurance for new drivers) is available by choosing basic coverage options and low-risk vehicles. 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.
If you’re looking for the cheapest car insurance for young adults, comparing rates across multiple companies is key to finding the most affordable plan. This is especially important for those seeking cheap auto insurance for 18-year-old drivers.
Comparing Teen Auto Insurance Discounts
The cheapest car insurance in PA for new drivers often comes from companies that offer specialized discounts and flexible coverage options. Auto insurers for teen drivers and the best auto insurance for young drivers typically consider factors such as good grades, driver training, and vehicle safety.
When you need cheap auto insurance for learner’s permit drivers or licensed teens, securing affordable teen driver insurance can be challenging, but several companies offer competitive options for families. USAA teen driver policies are a strong choice for military families, providing dependable coverage at discounted rates.
For non-military households, State Farm offers various savings through its programs, including State Farm young driver discounts that help teens build safe driving habits. Check below to see which discounts young drivers might qualify for from our top companies in Pennsylvania.
Auto Insurance Discounts From Top Pennsylvania Providers for Teen Drivers
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Good Student, Anti-Theft Device |
| Multi-Policy, Safety Equipment, Young Driver Training, Good Student |
| Good Student, Teen Safe Driver Program, Multi-Vehicle, Defensive Driving Course |
 | Multi-Policy, TeenSMART, Good Student, Accident-Free |
| Multi-Policy, Accident-Free, Good Student, Anti-Theft Device |
| Good Student, Teen Driver, Snapshot Program, Multi-Policy |
 | Steer Clear® Safe Driving Program, Good Student, Drive Safe & Save™ Program, Multi-Vehicle |
| Good Student, Multi-Vehicle, Defensive Driving Course, Affiliation |
| Multi-Policy, Safe Driver, Student Away at School, Good Payer |
| Military Installation, Family Discount, Good Student, Safe Driving |
To find the cheapest car insurance for 15-year-olds and other teens, consider lowering coverage, raising the deductible, taking a driving class, and keeping a clean record. Comparing quotes from multiple companies can also help, and most sites require only basic information.
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.Aremu Adams Adebisi Feature Writer
The State Farm new driver insurance cost can also be reduced through good student discounts and by adding a teen to a family policy. These savings may apply to those enrolled in the State Farm Youthful Driver program.
Whether you’re looking for car insurance for 18-year-olds or just starting to explore the cheapest auto insurance for new drivers, comparing quotes and taking advantage of these specialized programs is the best way to save.
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.
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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Frequently Asked Questions
Are there specific vehicle types that help you get the cheapest car insurance in PA for young drivers?
Yes, selecting a car with high safety ratings, fewer long-term repair costs, and anti-theft features will likely lower your insurance premiums. Staying away from high-performance or luxury vehicles is the secret to getting the cheapest car insurance in PA for young drivers.
Can the best car insurance in PA for new drivers be added to a parent’s policy?
Yes, many insurers permit new drivers to be added to a parent’s policy, which usually leads to much lower rates than buying a separate policy. It is even more helpful if the parent has a clean driving record and has been with the insurer for many years.
Start comparing affordable Pennsylvania insurance options by entering your ZIP code into our free quote comparison tool today.
Why is it challenging to get cheap car insurance in PA for young drivers?
Young drivers are often placed in high-risk auto insurance categories due to limited experience and accident risk, leading to higher premiums despite cost-saving efforts.
Does taking a driver’s education course help teens get the cheapest car insurance?
Yes, most insurers offer discounts to teens who complete a certified driver’s education course, making it an effective way to access the cheapest car insurance for teens.
How much is car insurance for a 16-year-old in PA with full coverage?
Full coverage car insurance for a 16-year-old in PA typically costs around $592 per month, depending on factors like driving record, vehicle type, and location.
How can parents help secure cheap car insurance for teens without sacrificing coverage?
Parents can add teens to a family policy, choose safe, low-risk vehicles, and take advantage of bundling discounts or telematics programs to keep full coverage auto insurance affordable.
Can the best car insurance in PA for young adults include coverage for rideshare driving?
Some providers offer affordable add-ons or hybrid policies that allow young adults to drive for companies like Uber or Lyft while maintaining personal coverage.
Why do providers offering the best auto insurance for teens consider driving behavior and location?
Insurers assess risk using factors like driving habits, ZIP code, and vehicle type, especially for teens. The best auto insurance for teens comes from companies that reward responsible driving and offer rate reductions based on location or monitored behavior.
Does the cheapest car insurance for young drivers offer enough coverage?
While cheap policies meet state minimums, adding collision auto insurance can offer better protection for vehicle damage.
Do the best car insurance companies for young drivers offer discounts for students?
Absolutely. Most of the best car insurance companies for young drivers provide student-related discounts, including those for good grades, college students away from home without a car, and students who complete approved driver education or defensive driving courses.
Which discounts apply when searching for the best car insurance for new young drivers?
Common discounts that help lower costs for the best car insurance for new young drivers include being a good student, completing a defensive driving course, driving low mileage, and being listed on a family or bundled policy.
How much is car insurance for teens after a traffic violation?
Teen drivers with a traffic infraction can see their auto insurance premium double or even triple, with full coverage often exceeding $600 per month due to high-risk classification.
Does staying on a family policy help get cheap car insurance for first-time drivers?
Yes, being added to a parent or guardian’s existing policy is often the most affordable option for first-time drivers, as it shares the risk and often qualifies for multi-driver discounts.
Is it better to get cheap car insurance for provisional drivers through a parent’s plan?
Yes, being added to a parent or guardian’s existing policy is often the most cost-effective option, as standalone policies for provisional drivers tend to carry higher premiums.
Can cheap car insurance groups for young drivers vary by insurer or state?
Yes, while many insurers use similar groupings, cheap car insurance groups for young drivers can vary slightly based on risk models and state rules. The cheapest auto insurance companies may classify vehicles differently, affecting your final rate.
Get instant insurance quotes in Pennsylvania using our free comparison tool.
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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.