Cheapest Car Insurance in Pennsylvania for 2025
Quick Answer
The cheapest car insurance in Pennsylvania is National General’s minimum coverage policy, averaging $931 annually or $78 per month. The cheapest full coverage car insurance in Pennsylvania is from Root and costs an average of $2,009 annually or $167 per month. However, your driving record, age and other factors can all affect the cost of auto insurance in Pennsylvania.
The cheapest car insurance in Pennsylvania is National General's minimum coverage policy, at $931 annually or $78 per month, according to Experian data from January 2025 and based on policies quoted through our automotive insurance marketplace. On average, minimum coverage auto insurance in Pennsylvania costs $1,352 annually or $112 per month.
The cheapest full coverage car insurance in Pennsylvania is offered by Root and costs $2,009 annually or $167 per month. On average, full coverage car insurance in Pennsylvania costs $2,481 annually or $206 per month.
Buying minimum coverage car insurance will give you enough protection to meet Pennsylvania's basic liability insurance requirements. You can get more protection by purchasing full coverage car insurance, which includes comprehensive and collision coverage. If your vehicle is leased or financed, you are usually required to carry full coverage on your vehicle until your lease term ends or the vehicle is paid off.
Regardless of whether you're buying full coverage or minimum coverage, the cost of car insurance can vary depending on several things:
- Your age (younger drivers typically pay more for car insurance)
- Your driving record (incidents and violations usually increase your rates)
- Your annual mileage (driving more can mean higher rates)
- The type and amount of coverage you buy
As a result, while the average costs in this article are good general guideposts, the actual cost of your car insurance in Pennsylvania could differ. To help you find the best rates, take the time to compare insurance quotes from several insurers before purchasing a policy.
One thing that won't affect your car insurance rates in Pennsylvania is your gender. Pennsylvania law prohibits insurers from considering gender when setting insurance premiums.
Cheapest Minimum Coverage Car Insurance in Pennsylvania
Most states, including Pennsylvania, require you to maintain a minimum amount of liability coverage to drive legally. Liability coverage includes bodily injury liability, which helps cover the cost of medical care if you injure someone in an accident, and property damage liability, which helps cover damages you cause to someone's property or vehicle.
Pennsylvania law requires drivers to carry minimum bodily injury liability coverage of $15,000 per person and $30,000 per accident and minimum property damage liability of $5,000 per accident. Pennsylvania also requires a minimum of $5,000 in first-party medical benefits coverage (MedPay) per accident. MedPay helps cover medical expenses for you and your passengers due to an accident, regardless of who is at fault.
You can keep your car insurance costs down by purchasing only the minimum car insurance Pennsylvania requires, but these amounts might not offer enough protection in case of an accident. In general, insurance professionals advise buying coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage.
Learn more: How Much Car Insurance Do I Need?
The table below shows the carriers offering the cheapest minimum coverage auto insurance policies in Pennsylvania.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| National General | $931 | $78 |
| Root | $1,090 | $91 |
| Liberty Mutual | $1,199 | $100 |
| Progressive | $1,247 | $104 |
| Safeco | $1,258 | $105 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Full Coverage Car Insurance in Pennsylvania
For more protection, you can choose full coverage auto insurance, which adds comprehensive and collision coverage to your liability insurance. State laws don't require full coverage insurance, but if your car is leased or financed, your lessor or lender typically requires it to protect the vehicle.
- Collision coverage pays the cost of repairing or replacing your car if it's damaged due to a collision with another car, an object or an animal.
- Comprehensive coverage pays to repair or replace your vehicle if it's damaged by a covered risk, such as hail, vandalism, theft or a falling tree branch, when you aren't driving.
Learn more:What Is Full Coverage Car Insurance?
The table below shows the carriers offering the cheapest full coverage auto insurance policies in Pennsylvania.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $2,009 | $167 |
| Grange | $2,169 | $181 |
| Progressive | $2,381 | $198 |
| National General | $2,611 | $218 |
| AAA Insurance | $2,879 | $240 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Young Drivers in Pennsylvania
As parents of teens know, insuring new drivers can get expensive. Younger drivers typically pay higher rates for car insurance because they're statistically more likely to have accidents, according to the Insurance Institute for Highway Safety (IIHS). Teenage drivers pay an average of $3,512 annually for auto insurance, according to Experian data.
Car insurance rates are usually highest for 16-year-olds and start decreasing when your child turns 25. You can save on car insurance for a young adult by adding your child to your auto insurance instead of buying them a separate policy. By putting your teenager on your policy, they benefit from the lower rates you may enjoy due to years of driving experience, owning a home or being married.
Getting good grades can help too. Many insurance companies offer discounts on auto insurance for young drivers who maintain a certain grade point average, attend college away from home without a car or complete a driver safety course.
However, putting your young driver on your car insurance could cause your rates to rise if your child racks up multiple accidents or moving violations. In this situation, buying your child separate coverage from an insurance provider catering to high-risk drivers could save you some money.
The table below shows the insurance providers offering the cheapest full coverage car insurance in Pennsylvania for drivers ages 16 to 25.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $2,410 | $201 |
| Grange | $3,160 | $263 |
| Progressive | $3,621 | $302 |
| GEICO | $3,658 | $305 |
| National General | $3,948 | $329 |
Source: Experian data as of January 2025
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Seniors in Pennsylvania
Car insurance premiums typically drop as you get older and have more driving experience under your belt, but generally start rising again around your 70th birthday. Drivers ages 70 and up have a higher rate of serious accidents, which can mean more risk for insurers and higher premiums for you.
A little effort can uncover cheap car insurance for seniors. Some carriers offer mature driver discounts when you reach a certain age, for instance. You might also qualify for car insurance discounts if you're a retired military servicemember or have been accident-free for a certain number of years.
The table below shows the auto insurance carriers offering the cheapest full coverage car insurance for seniors in Pennsylvania.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| National General | $1,788 | $149 |
| Root | $1,866 | $155 |
| Progressive | $1,913 | $159 |
| GEICO | $1,982 | $165 |
| Liberty Mutual | $2,084 | $174 |
Source: Experian data as of January 2025
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums
It's a good idea to reassess your car insurance needs as you get older and your driving habits evolve. Retirement may mean bidding goodbye to a long commute, which could qualify you for a cheaper low-mileage car insurance policy. On the other hand, if you plan to spend retirement road tripping across the country in a recreational vehicle, you might need to buy RV insurance to protect yourself.
Learn more: How to Buy Car Insurance as a Senior
Car Insurance for Prior Incidents in Pennsylvania
Practicing safe driving habits can lower your risk of having an accident or getting a traffic citation, which can pay off in lower insurance premiums. Conversely, you might be viewed as a high-risk driver if your driving record includes moving violations or accidents (even if you weren't at fault). Insurance carriers may raise your car insurance rates to compensate for this higher risk. Having multiple car accidents or serious infractions such as DUIs on your record generally has a bigger impact on your car insurance costs and could even cause your insurer to cancel your policy.
Learn more: How to Get Affordable Car Insurance as a High-Risk Driver
Even if your driving record isn't squeaky-clean, it's possible to find affordable car insurance. The table below shows the average cost of auto insurance in Pennsylvania for drivers with negative marks on their driving history. (Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.)
| Driving Record | Annual Cost |
|---|---|
| 1 Incident | $2,088 |
| 1 Violation | $2,262 |
| 2 Incidents | $2,353 |
| 2 Violations | $2,280 |
| 3+ Incidents | $2,698 |
| 3+ Violations | $2,870 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies sold through Experian's marketplace
Minimum Required Coverage in Pennsylvania
Pennsylvania requires drivers to carry the following minimum coverage levels:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $5,000 first-party medical benefits (MedPay) coverage per accident
Pennsylvania drivers can choose whether to participate in the no-fault insurance system, also called the tort system. If you opt for no-fault insurance, you'll file claims with your own insurance company after an accident, no matter who is at fault.
If you choose to participate in the tort system, you can buy limited tort or full tort insurance. The at-fault driver's insurance will be responsible for your medical bills, lost wages and related expenses in both cases. However, limited tort insurance restricts your ability to sue, while full tort insurance doesn't.
If you drive without minimum required auto insurance in Pennsylvania, your vehicle registration and driver's license may be suspended. You may also be fined and have to pay a restoration fee to get your driving privileges or registration back.
How to Save Money on Car Insurance
Saving money on your car insurance gives you more money to put toward your financial goals. Try these tips to save on auto insurance.
Raise Your Deductible
When you file a car insurance claim, you generally have to pay a deductible before your insurance coverage pays out. Insurance companies generally offer your choice of deductibles ranging from $250 to $2,000. Increasing your deductible usually decreases your premiums.
Before raising your deductible, though, make sure you'd be able to pay the higher amount if you filed an auto insurance claim. Assess the state of your emergency fund and your other financial resources. Your car insurance carrier can show you how various deductibles would affect your premiums.
Seek Out Discounts
Ask your current car insurance company if they offer any discounts you aren't already using. Then visit other providers' websites to find out what discounts they have available.
Some of the most common car insurance discounts include savings for bundling home and auto insurance, paying your premium upfront, trading paper statements for electronic communications or setting up automatic premium payments.
Many insurance carriers also offer discounts for getting insurance quotes online or signing documents digitally. You can also check with your workplace and any membership organizations you belong to—they may offer discounts on car insurance too.
Eliminate Extra Coverage
There are plenty of car insurance extras, such as rental car reimbursement, windshield replacement or roadside assistance coverage, that are nice to have but not essential. Assess whether you need this coverage. If not, canceling it can be an easy way to lower your insurance premiums. For instance, if you already have roadside assistance through an auto club or your vehicle's manufacturer, you don't need a plan from your car insurance provider.
If your car is paid off and not worth very much, you might also consider dropping your collision and comprehensive coverage. At most, collision and comprehensive coverage only pays out the vehicle's value. It's not always cost-effective to keep this coverage for a car that's worth just a few thousand dollars. Be sure you could afford to replace or repair your vehicle without insurance if it were totaled before canceling your coverage, though.
Learn more: Top Car Insurance Discounts
Drive Less
The more miles you log each year, the greater your risk of getting into a car accident. As a result, many auto insurance companies offer discounts if you drive fewer than 12,000 miles per year. Consider whether you could use public transportation, walk, bike or carpool to reduce your mileage and your insurance bill. You can also look into remote work if that's an option at your job.
Most low-mileage car insurance plans monitor your mileage via self-reported or third-party odometer readings or devices installed in your vehicle. You may also want to investigate pay-per-mile car insurance plans, which charge a monthly base rate plus a per-mile charge for each additional mile you drive.
Drive Safely
Having a clean driving record can help keep your auto insurance premiums down. Make it a goal to go without accidents or moving violations. If you need a refresher on traffic rules, look for a local driving course. Many insurance companies offer discounts for completing an approved defensive driving or driver safety course.
Improve Your Credit
Insurance companies in most states, including Pennsylvania, can review your credit-based insurance score when determining your car insurance premiums. Having a poor score could mean you'll pay more for auto insurance. Although your credit-based insurance scores aren't the same as your consumer credit scores, they are calculated using much of the same information. Taking steps to improve your consumer credit score could help boost your credit-based insurance score, too, which may save you money on auto insurance.
Shop Around
Each insurance carrier uses its own criteria when setting premiums. As a result, the price you're quoted for car insurance can vary widely from one provider to another. Comparing quotes from multiple insurers is a good way to find the lowest prices on car insurance. Make a note to compare quotes from different providers at least once a year or whenever your current policy is nearing renewal time.
You can get auto insurance quotes by visiting insurance company websites or by contacting insurers directly. If you're looking for a faster way to explore your options, try using Experian's free car insurance comparison tool. It gathers auto insurance quotes from multiple top insurance companies in Pennsylvania so you can quickly see which carrier offers the cheapest car insurance rates.
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
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About the author
Karen Axelton
Karen Axelton specializes in writing about business and entrepreneurship. She has created content for companies including American Express, Bank of America, MetLife, Amazon, Cox Media, Intel, Intuit, Microsoft and Xerox.
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