Best Car Insurance in Pennsylvania for 2022
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No-fault states often limit your ability to sue another driver for injuries. However, unlike other no-fault states, Pennsylvania allows drivers to choose a when they purchase an auto insurance policy. You can choose between limited tort or full tort, which define what you can and cannot seek legal compensation for after an accident. Full tort will allow you to sue for pain and suffering, whereas limited tort will not unless your injuries meet a specific set of criteria.
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Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 07, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it!On This Page
Finding the best car insurance in Pennsylvania takes a bit of research, but Bankrate can make the process easier. Our insurance editorial team includes four licensed insurance agents with decades of combined experience in the industry. We analyzed Pennsylvania car insurance companies using several key metrics to help you find the best fit for your needs. Our research might help you identify which aspects of a company are most important to you, so that you can find the best insurer for your unique situation. Key takeaways Geico, Erie and Nationwide are among the best car insurance companies in Pennsylvania, according to our research. The average cost of full coverage car insurance in Pennsylvania is $2,002 per year, which is 13 percent higher than the national average of $1,383. Maintaining a clean driving record, shopping around and taking advantage of discounts are all helpful strategies to lowering your car insurance rate. Compare rates and save on auto insurance today! Get quotes Close XHow Bankrate chose the best car insurance companies in Pennsylvania
As we searched for the in Pennsylvania, we looked at several aspects of each company. First, we analyzed average auto insurance premiums from Quadrant Information Services. We also factored in third-party scores from J.D. Power, AM Best, Standard & Poor's and the National Association of Insurance Commissioners (NAIC). Finally, we researched each company's coverage offerings, discounts and digital tools. We chose these metrics to help give you a well-rounded view of each carrier. To make understanding our research easier, we combined all this information into a proprietary Bankrate Score. The Scores are on a scale from 0.0 to 5.0. The higher a company's Bankrate Score, the more highly that company scored in the underlying categories. Using the Bankrate Score as a guideline helps you quickly identify how the companies stack up.Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.
Best car insurance companies in Pennsylvania
Bankrate's research found that Geico, Erie and Nationwide are among the top auto insurance companies in the Keystone State, according to average rate data from Quadrant Information Services and the other metrics we reviewed, including customer satisfaction scores from the . These providers offer below-average rates - the in Pennsylvania is $2,002 per year for full coverage and $441 per year for minimum coverage - along with good discounts, various add-on coverage options and helpful digital tools. If you're shopping for car insurance in Pennsylvania, you may want to get quotes from these carriers. Insurance company J.D. Power score (Mid-Atlantic region) Average annual full coverage premium Average annual minimum coverage premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic region) 834 /1,000 Average annual full coverage premium $970 Average annual minimum coverage premium $244 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic region) 867 /1,000 Average annual full coverage premium $1,287 Average annual minimum coverage premium $282 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic region) 829 /1,000 Average annual full coverage premium $1,110 Average annual minimum coverage premium $320 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic region) 827 /1,000 Average annual full coverage premium $1,519 Average annual minimum coverage premium $384 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Mid-Atlantic region) 832 /1,000 Average annual full coverage premium $3,356 Average annual minimum coverage premium $624 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. 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All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview If you are looking for a company with a robust digital presence, Geico could be a great option. The company's website and app allow you to handle your policy without talking to an agent. You can call for roadside assistance, file a claim and pay a bill through the app, which has over on the App Store and still has a rating of 4.8 out of 5.0. However, Geico may not be a good choice for you if you want a range of optional coverage types. The company's policies are relatively basic. Read full Pros and cons CheckmarkPros Lower-than-average rates Robust online portal and mobile app Close XCons Relatively limited coverage options Lower-than-average J.D. Power customer satisfaction score Compare rates by city Pennsylvania city Geico full coverage premium Geico minimum coverage premium Allentown $1,015 $263 Erie $915 $245 Philadelphia $1,374 $363 Pittsburgh $860 $217 Reading City $953 $232 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Erie has the highest customer satisfaction rating of all the carriers on the list. Top-notch customer service is paired with low average rates in Pennsylvania. Drivers can choose from a number of optional endorsements to expand their vehicle-related protection, such as new and better car replacement coverage, first accident forgiveness and pet coverage if a pet is injured in an accident. Erie does not have an online claim reporting tool, so it may not be the right fit if you are looking for a company with online tools. Read full Pros and cons CheckmarkPros Above-average J.D. Power customer satisfaction score Offers new and better car replacement coverage Close XCons Digital tools not as robust as other carriers No online claim reporting Compare rates by city Pennsylvania city Erie full coverage premium Erie minimum coverage premium Allentown $1,127 $277 Erie $1,143 $259 Philadelphia $2,250 $518 Pittsburgh $1,137 $278 Reading City $1,090 $235 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview If you're looking for a company with numerous discounts, Nationwide could be a good fit. The carrier's premiums are already lower than the state average, but you might save even more by adding discounts like good student, automatic payments, or either of two . However, Nationwide's policies are relatively basic, with only a few options for personalization. If you want to add extra coverage, Nationwide offers rental car coverage, gap insurance and emergency roadside assistance. The company also offers an accident forgiveness program. Read full Pros and cons CheckmarkPros Numerous discounts offered Gap insurance is available Lower-than-average premiums Close XCons Basic policy options without many add-on options Below-average J.D. Power customer satisfaction score Compare rates by city Pennsylvania city Nationwide full coverage premium Nationwide minimum coverage premium Allentown $981 $295 Erie $978 $285 Philadelphia $1,781 $559 Pittsburgh $965 $273 Reading City $988 $293 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview If you have accidents or tickets on your driving record, you may want to consider a quote from Progressive; the company may be able to help high-risk drivers find coverage. Progressive offers several options to tailor your policy to your needs, like ridesharing coverage, which may be a good option if you drive for Uber, Lyft or any similar company. Progressive received a below-average J.D. Power customer satisfaction score in the Mid-Atlantic region and is also below average for , so the carrier may not be a good fit for you if customer service is a priority. Read full Pros and cons CheckmarkPros Rideshare coverage available Robust digital tools Close XCons Below-average J.D. Power customer satisfaction score Below-average J.D. Power claims satisfaction score Compare rates by city Pennsylvania city Progressive full coverage premium Progressive minimum coverage premium Allentown $1,494 $407 Erie $1,311 $371 Philadelphia $2,081 $481 Pittsburgh $1,450 $395 Reading City $1,409 $379 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview You may want to consider getting a quote from Allstate, as the carrier offers a variety of online resources, including an online quoting tool and car payment calculator. Allstate also offers in-person agents, if you prefer to do your business with a person rather than online. However, Allstate's average rate is higher than the state average, so it may not be the best choice if you are on a tight budget. Read full Pros and cons CheckmarkPros Large network of local agents Robust mobile app for policy management and claims filing Close XCons Higher-than-average rates Below-average J.D. Power customer satisfaction score Compare rates by city Pennsylvania city Allstate full coverage premium Allstate minimum coverage premium Allentown $2,926 $503 Erie $3,004 $558 Philadelphia $5,846 $1,128 Pittsburgh $3,035 $571 Reading City $2,923 $503 Answer a few questions to see personalized rates from top carriers. Auto Car GuidesLooking to save money on auto insurance
Compare rates & save Compare rates & save ADVERTISEMENT Get my free quote Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.Average car insurance cost in Pennsylvania
The is $2,002 per year for full coverage and $441 per year for minimum coverage. Nationally, full coverage is $1,771 per year, which means that full coverage car insurance in PA is about 13 percent more expensive than it is nationally. Minimum coverage is a bit cheaper though, at $441 per year in Pennsylvania versus $545 per year nationally. Average annual premium for minimum coverage in Pennsylvania Average annual premium for full coverage in Pennsylvania $441 $2,002Average car insurance cost in Pennsylvania
The average annual full coverage auto insurance premium based on a 40-year-old driver with a clean driving record and good credit.Pennsylvania city Average annual premium for full coverage Average annual premium for minimum coverage Allentown $1,756 $400 Erie $1,800 $421 $3,300 $752 $1,840 $398 Reading $1,776 $383
How to find the best car insurance in Pennsylvania
The best auto insurance in Pennsylvania will vary based on your individual rating factors. To find the best company for you, consider these tips.Consider minimum insurance requirements in Pennsylvania
Pennsylvania requires its drivers to carry at least certain amounts of car insurance to drive legally. Understanding the could help you decide what coverage to purchase. While you won't be able to purchase less than the state-required minimums, checking could help you understand how you're covered. In Pennsylvania, you must carry at least the minimum amounts of bodily injury liability and property damage liability coverage. Both these coverage types have liability per person and liability per accident limits. Pennsylvania is a no-fault state, so drivers must also carry at least minimum levels of , which are called "First Party Benefits" in this state. This coverage provides medical benefits for your injuries and those of the guests in your vehicle. If you cause an accident, your auto insurance coverage can help protect your finances and assets from expenses. Most car insurance professionals recommend purchasing higher limits for greater financial protection.Consider lender requirements
If you finance or lease your vehicle, there could be car insurance requirements in addition to Pennsylvania's state minimum limits. Most financial institutions require you to carry full coverage car insurance, which includes comprehensive and collision to protect your finances from damage to your car. Leasing a vehicle may also mean you must carry certain liability limits too. You may also want to consider as well. Because vehicles depreciate relatively quickly, the balance of your loan may be higher than the total loss value of your vehicle. Gap insurance is designed to pay this difference.Consider your individual needs
Your life circumstances can also impact your car insurance coverage and discounts. If you have a , for example, you are likely paying a higher premium than you were before your child was licensed. Looking for a company that offers discounts and safe driving programs for young drivers could help you lower your premium. Or you might have a few accidents, tickets or a DUI conviction on your record. This means that insurance companies are likely to view you as a . Having realistic expectations of your premium and looking for companies with coverage options, discounts and features geared toward your needs could help you find a good fit.Car insurance discounts in Pennsylvania
Taking advantage of discounts is often one of the easiest ways to premium. Although every company offers different discounts, some common savings opportunities in Pennsylvania are: Young driver discounts: Many companies offer discounts to help offset the cost of insuring a young driver. Asking your provider about good student discounts, distant student discounts or teen driver programs might result in savings. Safe driver discounts: Driving less can decrease your risk of getting into an accident. If you do not drive your car often, you may qualify for a low-mileage discount. Safe drivers might also want to consider signing up for a telematics program. These typically involve using a mobile app or plug-in device to track your driving habits. You may then be awarded a discount based on your driving patterns. Additionally, if you have a clean driving record, you might qualify for a claim-free discount. Other discounts: If you have more than one insurance product, — or other insurance products — with the same company could save you quite a bit of money. You could also choose to pay your policies in full, which often results in a discount. You may be able to review a company’s discounts online, or you can talk to an agent or customer service representative to see if you are taking advantage of all the savings opportunities available to you.Frequently asked questions
Penn National, Nationwide, Geico and QBE are among the , according to our research. But while these companies offer cheap average rates, your rates will vary based on your unique circumstances. Your driving history, the type of car you drive and the coverage types you purchase will all impact your rates. The will vary based on your specific situation.
Yes, Pennsylvania is a . This means that personal injury protection (PIP) coverage for medical benefits is required, although the state refers to it as "First Party Benefits (FPB)." can include medical payments, lost wages, essential services and funeral expenses. In no-fault states, your insurance must be used to pay for your injuries first after an accident, regardless of fault.
No-fault states often limit your ability to sue another driver for injuries. However, unlike other no-fault states, Pennsylvania allows drivers to choose a when they purchase an auto insurance policy. You can choose between limited tort or full tort, which define what you can and cannot seek legal compensation for after an accident. Full tort will allow you to sue for pain and suffering, whereas limited tort will not unless your injuries meet a specific set of criteria.