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Erie is the best company for cheap auto insurance in Pennsylvania, at $120 per month for full coverage. This is $46 less than the state average.

Bryan Ochalla, Author at LendingTree

Written by  Bryan Ochalla

Michael Kitchen, Editor at LendingTree

Edited by  Michael Kitchen

Published
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Best cheap car insurance in Pennsylvania

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Frequently asked questions

Car insurance in Pennsylvania costs $56 per month, on average, if you buy only liability coverage. If you buy full coverage, the state’s average cost is $166 per month.

Erie is Pennsylvania’s cheapest car insurance company for most drivers. Erie has the state’s cheapest full coverage insurance rates, which average $120 per month. It also has the cheapest minimum coverage insurance rates of $28 per month.

To get cheap car insurance in Pennsylvania, look for discounts and compare quotes from several companies while you shop for coverage.

Another way to get cheaper car insurance is to raise your deductible . This will lower the premium you pay to the insurance company. Just make sure you can afford the higher deductible, as you’ll need to pay it if you file a claim. Important Note

Pennsylvania is an at-fault state for car insurance. This means the driver who causes an accident pays any medical and repair bills tied to it.

How we selected the cheapest car insurance companies in Pennsylvania

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.

Driver profile

Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.

Coverage limits

Minimum-liability policies provide liability coverage with the state’s required minimum limits.

Full-coverage policies include collision, comprehensive and liability coverage:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $50,000
  • Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Medical benefits: $5,000 per person
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

How we evaluated car insurance companies in Pennsylvania

Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.

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*USAA is only available to current and former members of the military as well as certain family members.

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