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Car Insurance Cost Estimator

Cheapest Car Insurance in Pennsylvania

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Price rankings for insurers where Pennsylvania provides them, plus ways to reduce your premium.

  • The legal minimum averages $51 each month.
  • The minimum liability limits are 15/30/5.
  • The 27th most expensive of 51 states (1st = highest).

Who has the lowest prices in Pennsylvania

Pennsylvania doesn't publish a price comparison of insurers, so official figures can't rank every company there. The cheapest policy meeting legal requirements averages $617 per year, or about $51 monthly, based on NAIC figures.

Get quotes from at least three insurers using the same limits and deductibles. For one driver, a direct writer, local agent and regional company often quote very different prices.

Ways to lower your costs

  • Only use the state minimum if you could replace an old car with cash. Removing collision protection and coverage for non-collision damage saves $779 a year based on the Pennsylvania average.
  • If you raise your deductible, yearly savings often exceed what one claim would cost you extra.
  • Name each discount when you ask: good student, multi-car, paying in full, bundling home and auto and safe-driving apps.
  • At every renewal, compare prices again. A rise for one insurer doesn't mean other companies increased theirs too.

Further details about Pennsylvania car insurance

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