Find Cheap Car Insurance In Pennsylvania 2024

The Cheapest Car Insurance Companies in Pennsylvania for Good Drivers

Cheapest for...	Company	Average monthly cost in Pennsylvania
20-year-olds	Travelers	$167
30-year-olds	Travelers	$108
40-year-olds	Travelers	$101
50-year-olds	Travelers	$99
60-year-olds	Travelers	$92
70-year-olds	Travelers	$97
80-year-olds	Travelers	$118

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Cheap Car Insurance for 20-Year-Olds in Pennsylvania

Young drivers in Pennsylvania can face steep insurance costs, especially if the teen isn’t on a parent’s auto insurance policy. In Pennsylvania, these insurers had the cheapest car insurance according to our analysis.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in Pennsylvania

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $167 a month
2. Nationwide: $243 a month
3. Erie: $271 a month
4. Westfield: $299 a month
5. Cumberland: $338 a month

Cheapest Minimum Coverage for 20-Year-Olds in Pennsylvania

If you’re looking for only the required auto insurance in Pennsylvania, check rates from these companies.

1. American National: $54 a month
2. Erie: $58 a month
3. Travelers: $58 a month
4. Cumberland: $62 a month
5. Westfield: $63 a month

Cheapest Auto Insurance for 20-Year-Olds in Pennsylvania With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

1. Nationwide: $322 a month
2. Travelers: $440 a month
3. Westfield: $528 a month
4. Safe Auto: $529 a month
5. Allstate: $559 a month

Cheapest Auto Insurance for 20-Year-Olds in Pennsylvania With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Pennsylvania for drivers with a speeding ticket.

1. Travelers: $209 a month
2. Erie: $323 a month
3. Westfield: $327 a month
4. Nationwide: $328 a month
5. Allstate: $344 a month

Cheapest Car Insurance in Pennsylvania for 20-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Pennsylvania drivers who caused an accident that injured someone else.

1. Travelers: $227 a month
2. Nationwide: $293 a month
3. Cumberland: $338 a month
4. Erie: $357 a month
5. Westfield: $421 a month

Cheapest Auto Insurance for 20-Year-Olds in Pennsylvania After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Pennsylvania who have a DUI conviction.

1. Travelers: $238 a month
2. Allstate: $344 a month
3. Erie: $392 a month
4. Nationwide: $417 a month
5. Progressive: $431 a month

Cheap Car Insurance for 30-Year-Olds in Pennsylvania

Drivers age 30 in Pennsylvania can find steep insurance quotes depending on their driving record. Here’s a look at the cheapest companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in Pennsylvania

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $108 a month
2. Nationwide: $115 a month
3. Auto-Owners: $141 a month
4. Erie: $150 a month
5. Cumberland: $168 a month

Cheapest Minimum Coverage for 30-Year-Olds in Pennsylvania

If you’re looking for only the minimum auto insurance in Pennsylvania, check quotes from these companies.

1. American National: $26 a month
2. Erie: $32 a month
3. Westfield: $34 a month
4. Cumberland: $35 a month
5. Auto-Owners: $35 a month

Cheapest Auto Insurance for 30-Year-Olds in Pennsylvania With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. Nationwide: $157 a month
2. Auto-Owners: $228 a month
3. Travelers: $277 a month
4. Progressive: $325 a month
5. Safe Auto: $334 a month

Cheapest Auto Insurance for 30-Year-Olds in Pennsylvania With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Pennsylvania for drivers with a speeding ticket.

1. Travelers: $130 a month
2. Auto-Owners: $148 a month
3. Nationwide: $165 a month
4. Erie: $168 a month
5. Progressive: $190 a month

Cheapest Car Insurance in Pennsylvania for 30-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Pennsylvania drivers who caused an accident that injured someone else.

1. Travelers: $139 a month
2. Cumberland: $168 a month
3. Nationwide: $185 a month
4. Auto-Owners: $199 a month
5. Erie: $202 a month

Cheapest Auto Insurance for 30-Year-Olds in Pennsylvania After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Pennsylvania who have a DUI conviction.

1. Travelers: $148 a month
2. State Farm: $204 a month
3. Allstate: $224 a month
4. Cumberland: $229 a month
5. Erie: $236 a month

Cheap Car Insurance for 40-Year-Olds in Pennsylvania

Pennsylvania drivers age 40 can typically save significant money by comparing costs from multiple insurers. We looked at which insurers offer the best quotes in Pennsylvania, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in Pennsylvania

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $101 a month
2. Nationwide: $108 a month
3. Erie: $137 a month
4. Auto-Owners: $138 a month
5. Cumberland: $138 a month

Cheapest Minimum Coverage for 40-Year-Olds in Pennsylvania

If you’re looking for only the required auto insurance in Pennsylvania, check rates from these companies.

1. American National: $25 a month
2. Erie: $29 a month
3. Cumberland: $31 a month
4. Westfield: $32 a month
5. Auto-Owners: $35 a month

Cheapest Auto Insurance for 40-Year-Olds in Pennsylvania With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

1. Nationwide: $148 a month
2. Auto-Owners: $223 a month
3. Travelers: $258 a month
4. Progressive: $292 a month
5. Safe Auto: $294 a month

Cheapest Auto Insurance for 40-Year-Olds in Pennsylvania With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Pennsylvania for drivers with a speeding ticket.

1. Travelers: $121 a month
2. Auto-Owners: $145 a month
3. Erie: $153 a month
4. Nationwide: $157 a month
5. Cumberland: $158 a month

Cheapest Car Insurance in Pennsylvania for 40-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Pennsylvania drivers who caused an accident that injured someone else.

1. Travelers: $129 a month
2. Cumberland: $138 a month
3. Nationwide: $177 a month
4. Erie: $184 a month
5. Auto-Owners: $196 a month

Cheapest Auto Insurance for 40-Year-Olds in Pennsylvania After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Pennsylvania who have a DUI conviction.

1. Travelers: $138 a month
2. Cumberland: $186 a month
3. State Farm: $197 a month
4. Allstate: $207 a month
5. Erie: $214 a month

Cheap Car Insurance for 50-Year-Olds in Pennsylvania

Pennsylvania drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a poor driving record can make cheap car insurance harder to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in Pennsylvania

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $99 a month
2. Nationwide: $100 a month
3. Erie: $127 a month
4. Cumberland: $128 a month
5. Auto-Owners: $133 a month

Cheapest Minimum Coverage for 50-Year-Olds in Pennsylvania

If you’re looking for only the required auto insurance in Pennsylvania, check prices from these companies.

1. American National: $24 a month
2. Erie: $26 a month
3. Cumberland: $30 a month
4. Westfield: $31 a month
5. Progressive: $33 a month

Cheapest Auto Insurance for 50-Year-Olds in Pennsylvania With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. Nationwide: $137 a month
2. Auto-Owners: $215 a month
3. Travelers: $252 a month
4. Progressive: $265 a month
5. Cumberland: $274 a month

Cheapest Auto Insurance for 50-Year-Olds in Pennsylvania With a Speeding Ticket

Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Pennsylvania for drivers with a speeding ticket.

1. Travelers: $118 a month
2. Auto-Owners: $140 a month
3. Erie: $142 a month
4. Cumberland: $146 a month
5. Nationwide: $147 a month

Cheapest Car Insurance in Pennsylvania for 50-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Pennsylvania drivers who caused an accident that injured someone else.

1. Travelers: $127 a month
2. Cumberland: $128 a month
3. Nationwide: $167 a month
4. Erie: $170 a month
5. Auto-Owners: $189 a month

Cheapest Auto Insurance for 50-Year-Olds in Pennsylvania After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Pennsylvania who have a DUI conviction.

1. Travelers: $135 a month
2. Cumberland: $171 a month
3. State Farm: $190 a month
4. Allstate: $198 a month
5. Erie: $198 a month

Cheap Car Insurance for 60-Year-Olds in Pennsylvania

Auto insurance rates often begin to go up every year around age 65, even if you have a great driving record. We found the cheapest companies for Pennsylvania drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in Pennsylvania

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $92 a month
2. Nationwide: $94 a month
3. Cumberland: $120 a month
4. Erie: $122 a month
5. Auto-Owners: $128 a month

Cheapest Minimum Coverage for 60-Year-Olds in Pennsylvania

If you’re looking for only the minimum auto insurance in Pennsylvania, check prices from these companies.

1. American National: $24 a month
2. Erie: $25 a month
3. Cumberland: $29 a month
4. Westfield: $31 a month
5. Progressive: $31 a month

Cheapest Auto Insurance for 60-Year-Olds in Pennsylvania With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. Nationwide: $129 a month
2. Auto-Owners: $207 a month
3. Travelers: $233 a month
4. Safe Auto: $254 a month
5. Progressive: $254 a month

Cheapest Auto Insurance for 60-Year-Olds in Pennsylvania With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Pennsylvania for drivers with a speeding ticket.

1. Travelers: $111 a month
2. Auto-Owners: $135 a month
3. Erie: $136 a month
4. Cumberland: $137 a month
5. Nationwide: $140 a month

Cheapest Car Insurance in Pennsylvania for 60-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Pennsylvania drivers who caused an accident that injured someone else.

1. Travelers: $119 a month
2. Cumberland: $120 a month
3. Nationwide: $159 a month
4. Erie: $164 a month
5. Auto-Owners: $182 a month

Cheapest Auto Insurance for 60-Year-Olds in Pennsylvania After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Pennsylvania who have a DUI conviction.

1. Travelers: $125 a month
2. Cumberland: $161 a month
3. State Farm: $180 a month
4. Erie: $192 a month
5. Allstate: $192 a month

Cheap Car Insurance for 70-Year-Olds in Pennsylvania

Pennsylvania drivers age 70 are getting higher rates due to age. But relatively cheap car insurance can still be found by comparing quotes from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in Pennsylvania

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $97 a month
2. Nationwide: $98 a month
3. Cumberland: $126 a month
4. Erie: $138 a month
5. Auto-Owners: $139 a month

Cheapest Minimum Coverage for 70-Year-Olds in Pennsylvania

If you’re looking for only the minimum auto insurance in Pennsylvania, check rates from these companies.

1. Erie: $29 a month
2. Cumberland: $31 a month
3. American National: $32 a month
4. Westfield: $33 a month
5. Progressive: $36 a month

Cheapest Auto Insurance for 70-Year-Olds in Pennsylvania With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Nationwide: $134 a month
2. Auto-Owners: $224 a month
3. Travelers: $248 a month
4. Cumberland: $269 a month
5. Westfield: $284 a month

Cheapest Auto Insurance for 70-Year-Olds in Pennsylvania With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Pennsylvania for drivers with a speeding ticket.

1. Travelers: $119 a month
2. Cumberland: $143 a month
3. Nationwide: $145 a month
4. Auto-Owners: $146 a month
5. Erie: $154 a month

Cheapest Car Insurance in Pennsylvania for 70-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Pennsylvania drivers who caused an accident that injured someone else.

1. Cumberland: $126 a month
2. Travelers: $128 a month
3. Nationwide: $164 a month
4. Erie: $186 a month
5. Auto-Owners: $201 a month

Cheapest Auto Insurance for 70-Year-Olds in Pennsylvania After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Pennsylvania who have a DUI conviction.

1. Travelers: $133 a month
2. Cumberland: $168 a month
3. State Farm: $185 a month
4. Allstate: $212 a month
5. Erie: $217 a month

Cheapest Car Insurance In Philadelphia, Pennsylvania

Cheapest for...	Company	Average monthly cost in Philadelphia
Good drivers	Travelers	$134
Drivers with a speeding ticket	Travelers	$162
Drivers who caused an accident with injury	Travelers	$174
Drivers with a DUI	Travelers	$185
Driver with poor credit	Nationwide	$267

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheapest Car Insurance In Pittsburgh, Pennsylvania

Cheapest for...	Company	Average monthly cost in Pittsburgh
Good drivers	Travelers	$89
Drivers with a speeding ticket	Travelers	$108
Drivers who caused an accident with injury	Travelers	$116
Drivers with a DUI	Travelers	$121
Driver with poor credit	Nationwide	$133

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheapest Car Insurance In Allentown, Pennsylvania

Cheapest for...	Company	Average monthly cost in Allentown
Good drivers	Nationwide	$88
Drivers with a speeding ticket	Travelers	$108
Drivers who caused an accident with injury	Travelers	$116
Drivers with a DUI	Travelers	$123
Driver with poor credit	Nationwide	$119

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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How to Find Cheap Car Insurance in Pennsylvania

Pinpointing low-cost car insurance in Pennsylvania means using some basic strategies. An ideal car insurance policy should have both a good price and the coverage details you need.

Check Rates from Multiple Car Insurance Companies

If you’re looking for cheap car insurance in Pennsylvania, an essential strategy is to compare costs from multiple companies. Only by getting a range of quotes will you know what a good deal looks like.

Consider Switching Companies If Your Driving Record Changes

Getting a ticket or causing an accident will generally result in an insurance bill increase. A company that offered cheap Pennsylvania car insurance for you previously may no longer be a smart option. In some cases you need to switch car insurance companies in order to get back to good rates again.

Regularly Review Your Auto Insurance Policy

It’s smart to review your Pennsylvania auto insurance policy to make sure your coverage details still match your needs. Review the coverage types, the limits for each coverage type and your deductible amounts. You may want to trim extras such as roadside assistance assistance coverage.

Rethink Your Deductible

If you have collision and comprehensive insurance you may be able to get savings by raising the car insurance deductible. Contact your insurance agent to find out how much lower your car insurance bill will be by going to a higher deductible.

Keep an Eye on Car Insurance Discounts

Reviewing possible car insurance discounts with your insurance company could uncover some savings. While many discounts are added to your policy automatically, it can be wise to ask about additional possible discounts that your insurer may not know you qualify for. For example, if you are driving fewer annual miles because you work from home or are retired, you may be eligible for a better car insurance rate.

Harness the Power of Bundling

Maximize your savings by bundling car insurance with other policies from the same insurer. Whether it’s Pennsylvania auto and homeowners insurance or car insurance paired with condo or renters insurance, bundling can result in a significant cost reduction, often averaging around 14%, based on our analysis.

Get Savings for Your Insurance Payment Strategy

Auto insurance companies often have small discounts based on how you’re paying your Pennsylvania car insurance bill. Look for these discounts:

• Paying for the entire policy term up-front.
• Using EFT if you’re paying monthly.
• Going paperless for both billing and policy documents.

Methodology

Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.