Pennsylvania’s lowest car insurance rates in 2023

Note from the editor: Perhaps you are looking for car insurance for your first time, or to lower your monthly premium by doing some insurance shopping. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be […]

Note from the editor: Perhaps you are looking for car insurance for your first time, or to lower your monthly premium by doing some insurance shopping. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.

Pennsylvanians have lots to see and do. However, car insurance is required for any trip, whether it’s through Lancaster County’s Amish country, or to the Liberty Bell.

To find the lowest estimated premiums for a variety of driver profiles and needs, we looked at Pennsylvania’s estimated car insurance rates.

Cost of car insurance can be affected by many factors, including your age, vehicle type and mileage, coverage options, lender requirements, and even your lender requirements. To help you compare rates and gain a general understanding of Pennsylvania’s average car insurance cost, our calculations use a fairly neutral driver profile (read more).

Our standard driver profile, unless otherwise noted, has a credit score of 680 to 719, is between 36-45 years old, and drives a car worth between $20,000 and $30,000. Rates may vary depending on the car you drive and your driving record. Continue reading to learn more about car insurance costs for drivers with different credit scores and driving records.

Car insurance costs in Pennsylvania

The average monthly premium for Pennsylvania’s minimal car insurance ranges from about $37 to $61, depending on which type of coverage is chosen and the driver profile.

Monthly average auto insurance premiums in Pennsylvania

Driver and coverage	Avg. Monthly cost
Pennsylvania’s minimum state-required car insurance	$37.34
Pennsylvania drivers with bad credit	$61.36
Multiple claims drivers in Pennsylvania	$46.74
Young drivers in Pennsylvania	$59.72

The cheapest car insurance in Pennsylvania

Nationwide has the lowest car insurance rates for the majority of Pennsylvania driver profiles that we examined. We compared the rates of several Pennsylvania insurers to get a better idea of the average cost for basic car insurance.

1. All over the country

Since 1925, Nationwide has provided insurance services to its members. Nationwide offers car insurance for as low as $13.96 per monthly to Pennsylvania drivers who meet our standard profile. Nationwide offers many coverage options and add-ons such as roadside assistance or gap coverage. There are also potential discounts, such as SmartRide usage-based insurance and SmartMiles. This allows drivers to pay a flexible monthly cost based on how much they drive.

See our complete review of Nationwide.

2. American National P&C

American National auto insurance can cost as low as $20.17 per month for drivers who meet our standard driver profile. American offers a variety of standard coverage options and bonuses through its network agents. Comprehensive and collision customers get free rental insurance, as well as reimbursement up to $2,000 for custom equipment.

3. Auto-Owners insurance

Auto-Owners Insurance also offers policies through independent agents. Our Pennsylvania driver profile could qualify for cheap car insurance starting at $21.56 per monthly. Auto-Owners provides additional coverage options beyond the standard full-coverage car insurance. These include diminished value coverage, road service, and the Personal Automobile Plus package, which covers expenses such as identity theft protection and cellphone replacement.

4. Atlantic States Insurance

Atlantic States Insurance, a Donegal Group subsidiary, offers car insurance starting at $25.38 per monthly for Pennsylvania drivers. Atlantic States offers more than just the standard bodily injury or property damage coverages. They also offer collision, comprehensive, towing, labor and rental reimbursement coverages as well as a few discount options. Atlantic States is a local option for insurance. The Donegal group was established in Marietta, Pennsylvania in 1889.

5. Westfield

For those who meet the Pennsylvania driver profile, Westfield can offer car insurance starting at $25.79 per mo. Westfield offers standard coverage as well as additional options such as roadside assistance, motorcycle, RV, and camper insurance.

The cheapest state-minimum auto insurance in Pennsylvania

State-minimum auto coverage might be the best option if you need just enough coverage to legally drive on Pennsylvania’s roads. State-minimum coverage can be the most affordable type of auto insurance. Pennsylvania’s state-minimum coverage covers $5,000 in medical benefits, $5,000 for property damage, and bodily injury liability up to $15,000 per person. It also covers $30,000 for an accident.

These are the companies that offer the lowest rates for drivers who want state-minimum coverage.

The cheapest car insurance companies for Pennsylvania state-minimum coverage

1	Nationwide	$13.96/month
2	American National P&C	$20.17/month
3	Auto-Owners Insurance	$21.56/month
4	Atlantic States Insurance	$25.38/month
5	Westfield	$25.79/month

Best car insurance for people with good credit in Pennsylvania

Do you have good credit? You might get better rates, congratulations! Credit is one of the factors that can impact how much you pay to insure your car.

The following companies might offer the best rates for drivers with good credit.

The cheapest car insurance in Pennsylvania for people with good credit

1	Nationwide	$11.28/month
2	American National P&C	$17.03/month
3	Auto-Owners Insurance	$19.74/month
4	Westfield	$21.24/month
5	State Farm	$21.96/month

Lowest car insurance for people with poor credit in Pennsylvania

Insurers consider your credit score, driving record and claims history when determining your premium. Even if you don’t have stellar credit, a safe driving record could help you qualify for affordable car insurance.

These five companies offer the lowest rates for drivers with poor credit.

5 Best Car Insurance Companies in Pennsylvania for People with Poor Credit

1	Nationwide	$18.42/month
2	Atlantic States Insurance	$30.94/month
3	American National P&C	$31.17/month
4	Auto-Owners Insurance	$35.38/month
5	USAA	$37.12/month

Cheapest car Insurance for Drivers with Multiple Claims in Pennsylvania

You may be charged a higher monthly premium if you have had multiple auto insurance claims in the past few years than drivers who have not. For Pennsylvania drivers who have made multiple claims, there are still affordable car insurance options.

For drivers who have multiple claims, we found five of the most affordable car insurance companies in Keystone State.

5 Best Car Insurance Companies in Pennsylvania for Multiple Claims

1	Nationwide	$13.96/month
2	American National P&C	$20.17/month
3	Cumberland Insurance Group	$28.17/month
4	Erie	$29.63/month
5	Donegal Mutual Insurance	$29.83/month

Cheapest auto insurance for young drivers in Pennsylvania

As they consider them more risky to insure, younger, less experienced drivers might have to pay a little more for car insurance. Your premium should decrease as you get better driving records.

These companies offer the lowest rates for young drivers aged between 18 and 21.

Top 5 Cheapest Car Insurance Companies in Pennsylvania for Young Drivers

1	Auto-Owners Insurance	$33.21/month
2	American National P&C	$36.00/month
3	Nationwide	$36.75/month
4	Cumberland Insurance Group	$39.08/month
5	Westfield	$40.04/month

Pennsylvania car insurance requirements

Pennsylvania drivers must have the minimum coverages listed below: $5,000 in medical benefits coverage, $5,000 for property damage liability and bodily injury liability up to $15,000 per person. Accepted coverages include a single limit of $35,000 that covers both bodily injury liability as well as property damage liability.

Your lender may require additional coverage if you have a vehicle loan.

Are you looking for usage-based insurance in Pennsylvania?

Vehicle insurance that is usage-based allows customers to pay premiums according to their driving habits. Pennsylvania drivers can use usage-based insurance to potentially lower their monthly insurance costs.

FAQs regarding the lowest car insurance rates in Pennsylvania

Methodology

The estimated rates for this article are the lowest, based on the profile a driver aged 36-45 who lives in Pennsylvania as of August 2022. These rates assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000.

Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors such as your age, driving habits, and past.

The average monthly premium for state-minimum car insurance includes Pennsylvania-mandated 15/30/5 insurance policy.

Scores of 720 or higher are eligible for the estimated rates for insurance with good credit. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those between 18 and 21 years old. Multiple claims can lead to multiple rates.