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6 Best Car Insurance Companies in Pennsylvania of 2022

Aimee Parrott

Aimee Parrott

Learn about the best car insurance companies for Pennsylvania drivers with details about state insurance requirements, costs, coverage, and discounts.
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Pennsylvania drivers need car insurance to protect themselves from unexpected events that impact their vehicles, including theft, collisions, and injuries to passengers in their cars.

Whether you drive only occasionally or clock a lot of miles during your commute, you need insurance to protect yourself and the passengers in your car.

In Pennsylvania, all drivers are required to carry insurance on their cars and may face a suspension of their registration or a fine if they allow their insurance to lapse, cancel it, or neglect to buy it when they purchase a new car.

Pennsylvania is an optional no-fault state; the state requires liability coverage in the following amounts:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of more than one person in an accident
  • $5,000 for damage to property of another person

You may also choose to purchase additional coverage, such as collision protection or comprehensive coverage; many drivers choose to buy a “full coverage” policy that offers protection from personal liability, collisions, theft, and more.

The average cost of car insurance in Pennsylvania is $1,215 per year or a little over $100 per month, putting the cost slightly below the national average of $1,442.

Here at PropertyNest, we understand that it may be difficult to choose a company and understand which coverage is best for your needs, so we’ve taken the time to research and rank the 6 best auto insurance companies in Pennsylvania and provide some guidance to help you select the right car insurance policy for your needs.

Best Car Insurance Companies in Pennsylvania

  • GEICO: Best for Affordable Coverage
  • Progressive: Best for Usage-Based Insurance
  • State Farm: Best for Young Drivers
  • Travelers: Best Overall Coverage
  • Nationwide: Best for Vanishing Deductible
  • Amica: Best for Premium Coverage

GEICO: Best for Affordable Coverage

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

The Government Employees Insurance Company, more popularly known as GEICO, is the second-largest car insurance company in the United States and has been providing car insurance since 1936.

We selected GEICO for our list of the best car insurance companies in Pennsylvania because it consistently offers some of the most affordable coverage around while still providing excellent service and policy options.

Many factors can impact cost; if you choose GEICO but opt for maximum coverage and riders, you should expect to pay more than a basic policy.

The average annual cost of full coverage auto insurance with GEICO in Pennsylvania is $970 per year, which is well below the state average.

Read a full GEICO car insurance editor's review.

What Pennsylvania Car Insurance Discounts Are Available with GEICO?

GEICO has low costs, and that’s partially because they offer a wide array of discounts to help Pennsylvania drivers save money, broken down into categories.

  • Driver Affiliation. Discounts in this category include savings for military members, first responders, federal employees, and members of certain other groups, any of which may save you 10% or more.
  • Driver Education. Discounts in this category include completion of a Driver’s Education course or a defensive driving course, plus a good student discount, which can save you up to 15%
  • Driver History and Habits. If you’ve gone five or more years without an accident, you can save up to 22%, and there’s also a discount for regular seat belt use.
  • Customer Loyalty. GEICO offers a multi-policy discount which varies depending on what you buy, and they also offer a multi-vehicle discount of up to 25%.
  • Vehicle Equipment. You’ll get a 15% discount to insure a new vehicle; additional discounts in this category apply if your vehicle has airbags, anti-lock brakes, an anti-theft system, or daytime running lights.

GEICO Car Insurance Pros & Cons

Pros
  • Accident forgiveness is free if you have been claim-free for five years or more.
  • GEICO has the lowest cost for Pennsylvania drivers.
  • The company has a free app that you can use to track claims and more.
  • It’s easy to get a quote and buy coverage online.
  • You can access your policy information using Alexa or your Google Assistant.
  • Rates are low even for drivers with poor credit.
Cons
  • Phone support is limited and only available in emergency situations.
  • Local service is limited.
  • GEICO doesn’t have as many coverage options as other insurers on our list.
How is GEICO Rated?
J.D. Power (out of 1,000)824
A.M. Best - Financial Strength RatingA++
BBBA+

Progressive: Best for Usage-Based Insurance

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Some car insurance companies do a better job than others of rewarding policyholders who don’t engage in risky behavior while driving.

We selected Progressive Insurance for our list because they offer a unique way to decrease your costs with the Progressive Snapshot, which uses an installed device to track your driving behavior and reward good choices, such as driving within the speed limit or leaving space between your vehicle and the one ahead of you to reduce hard braking and other risky behavior.

You can take advantage of Progressive Snapshot with your choice of a plug-in device or by using your smartphone.

According to Progressive, their average cost in Pennsylvania is $95 per month or $1,140 a year, which is less than the state average.

What Car Insurance Discounts Does Progressive Offer?

Progressive offers many potential discounts that can help you save on car insurance.

  • Loyalty Discounts. This category's discount includes policy bundling, multi-vehicle coverage, and continuous insurance, which can help you save if your vehicle has been continuously insured–even if you started with another company.
  • Driver Discounts. You can save money if you’re a safe driver with Progressive Snapshot; other discounts in this category include discounts for adding a teen driver, a good student discount, covering a student driver who lives more than 100 miles from home, and owning a home.

Other Discounts. You can get a break on your rate if you get a quote or buy your insurance online, sign up for paperless billing or automatic payments, or pay your annual premium in advance.

Progressive Car Insurance Pros & Cons

Pros
  • Progressive offers online and mobile quoting to make it easy to compare coverage.
  • Additional coverage options include roadside assistance and rental car reimbursement.
  • You’ll get pet injury insurance if you buy collision insurance.
  • Progressive’s Snapshot option provides good drivers with multiple ways to save.
  • Uninsured/underinsured motorist coverage is available.
  • You can get a competitive quote from Progressive even if you’ve had a DUI.
Cons
  • Coverage for teen drivers may be higher than with other insurers even with Progressive’s discount.
  • Progressive has more customer complaints than other companies of a similar size.
How is Progressive Car Insurance Rated?
J.D. Power (out of 1,000)803
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index2.24

State Farm: Best for Young Drivers

Editors star rating review
4.5
Editor's Rating (4.5 Stars out of 5)

State Farm is the largest car insurance company in the United States and has 100 years of experience providing affordable insurance to consumers.

We chose them for our list because they offer a special discount for drivers under the age of 25: the Steer Clear Program.

We also like that State Farm has created a comprehensive system of policy bundling that allows people to maximize their savings by bundling their car insurance with one or more additional policies from State Farm.

The average annual cost of car insurance with State Farm is $1,180 for Pennsylvania drivers, putting the cost more than 10% below the state average.

What Car Insurance Discounts Does State Farm Provide?

State Farm offers car insurance discounts in these categories.

  • Safe Driving. You can get discounts by joining the Steer Clear program if you’re under 25; additional discounts include the Drive Safe & Save discount, as well as discounts for accident-free driving and taking a defensive driving course.
  • Safe Vehicle. You can get discounts based on the safety features of your vehicle, as well as discounts for having an anti-theft device and a discount on medical coverage if your pre-1993 car has passive restraints.
  • Policy Bundling. State Farm offers significant savings to drivers who bundle their car insurance with other policies, including homeowners, condo, or renters insurance, or to policyholders who insure more than one car.

State Farm Car Insurance Pros & Cons

Pros
  • State Farm offers special Steer Clear discounts for young drivers.
  • The discounts for policy bundling beat the other companies on our list.
  • If you bundle, you can get a single monthly bill for all policies.
  • The standard policy will pay for you to rent a car while yours is being repaired.
  • You can buy coverage that will pay for you to stay in a hotel and pay for meals if you’re stranded 50 miles or more from home.
Cons
  • You must get a quote and buy a policy from a State Farm agent.
  • There is no gap coverage available.
How is State Farm Car Insurance Rated?
J.D. Power (out of 1,000)814
A.M. Best - Financial Strength RatingA++
BBBA+
NAIC Complaint Index4.29

Travelers: Best Overall Coverage

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Travelers Insurance is the second-largest property & casualty insurer in the United States, and its financial strength and stability have earned the company a spot on the Fortune 500.

We chose Travelers for our list because we believe they have the best overall coverage, including options for new car replacement and affordable prices for people with less-than-ideal driving records.

We also appreciate that Travelers has received high ratings for its claims-paying process, something that’s important for everybody who owns a car.

The average annual cost of Pennsylvania car insurance with Travelers is $1,110, making it lower than the state average.

What Car Insurance Discounts Are Available with Travelers?

ravelers Insurance offers a large selection of potential discounts to help policyholders save money on car insurance.

  • Bundling. If you bundle your car insurance with home or condo insurance or another policy, you can save up to 13% on your premium. A related discount is available if you insure more than one car with Travelers, and you may also qualify for savings if you own a home, even if your homeowners insurance is not with Travelers.
  • Car and Driver Discounts. Travelers will give you a discount if you purchase a new car, purchase a hybrid/electric car, have a safe driving record, take a driver safety course, or if you have a young driver on your policy who has maintained good grades or is away at college.
  • Policy and Pay Discounts. There are multiple discounts available to policyholders who sign up to make automatic payments, pay in advance, have maintained continuous coverage, or get their quote from Travelers before their existing policy expires.

Travelers Insurance Pros & Cons

Pros
  • Travelers Insurance consistently receives good reviews for paying claims in a timely manner.
  • There are many add-ons available to customize coverage, including gap insurance, new car replacement, roadside assistance, and accident forgiveness.
  • Travelers’ average premium in Pennsylvania is below the state average.
  • Policyholders can take advantage of multiple discounts to reduce their costs.
Cons
  • Travelers Insurance has received a higher than average volume of customer complaints.
  • Rideshare insurance is only available in two states: Colorado and Illinois.
How is Travelers Car Insurance Rated?
J.D. Power (out of 1,000)824
A.M. Best - Financial Strength RatingA++
BBBA
NAIC Complaint Index3.88

Nationwide: Best for Vanishing Deductible

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Nationwide is one of the best-known car insurance companies in the United States and has a long history of providing affordable insurance to drivers.

We selected Nationwide for our list because they offer a unique rider that will automatically reduce your deductible by $100 per year for each year you don’t have a claim, up to a total reduction of $500.

We also like that Nationwide’s agents are proactive and touch base with policyholders each year to review their coverage and ensure that they buy the best policy for their needs.

The average cost of car insurance Nationwide is $1,560 per year, putting it slightly above the Pennsylvania state average.

Nationwide Car Insurance Pros & Cons

Pros
  • Accident forgiveness is available with three years of clean driving, unlike the five years required by most companies.
  • Gap insurance is available.
  • The Vanishing Deductible option will reduce your deductible by $100 each year you don’t file a claim, up to a total of a $500 reduction.
  • Nationwide will waive the deductible if your car is totaled.
  • There is a special Work-From-Home bundling option.
  • SmartMiles coverage is available for people who don’t do much driving.
Cons
  • Nationwide has received a slightly higher than usual volume of customer complaints.
  • Vehicle coverage is not available for mobile homes.
  • There is no coverage for rideshares.
How is Nationwide Car Insurance Rated?
J.D. Power (out of 1,000)787
A.M. Best - Financial Strength RatingA+
BBBA+
NAIC Complaint Index2.37

Amica: Best for Premium Coverage

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Amica is the oldest mutual car insurance company in the United States, starting in Rhode Island in 1907.

We selected them for our list because they offer a premium policy that gives drivers the maximum protection available at a reasonable price with their Platinum Choice policy.

We also appreciate that drivers can choose between traditional and dividend-paying policies; choosing the option with dividends will come with a higher premium but the option to make money that exceeds the additional cost back with dividends.

The average cost of Amica’s car insurance in Pennsylvania is $1,495 per year, putting it slightly above the state average.

What Car Insurance Discounts Are Available with Amica?

Amica offers a truly impressive array of discounts in five categories.

  • Bundling. Save up to 30% by bundling your car insurance with another policy. You can also save if you own a home, keep your car insurance with the same company for at least two years, or insure more than one car with Amica.
  • Family. Receive a loyalty discount if you’re under 30 and your parents have had a policy with Amica for at least five years. There’s also a discount for drivers under 21 who complete an accredited driver safety course, for parents insuring a college student who’s away at school, and for any covered student 15-25 who maintains a B average.
  • Driving Habits. You can get a discount by taking a defensive driving course or by being claims-free for three or more years.
  • Car Safety Features. Discounts are available if your car is equipped with safety features, including anti-theft devices, electronic stability control, forward collision warning, passive restraints, or adaptive headlights.
  • Payments. Sign up for paperless payments or automatic billing to save. You can also get a discount if you pay your annual premium in advance.

Amica Car Insurance Pros & Cons

Pros
  • Some policies pay dividends.
  • Amica has received high scores for customer service.
  • There is wage protection and bail bond protection if you need to go to court as the result of an accident.
  • Amica’s Platinum Choice policy provides no-deductible glass repair, new car replacement coverage, and no daily cap on car rentals.
  • Amica’s website is well-designed and easy to navigate.
  • You can get free lock replacement and free airbag repair as part of the standard policy.
Cons
  • Amica doesn’t have as many physical offices as other companies on our list and doesn’t use agents, so getting in-person help may be a challenge.
  • Discounts may vary from state to state, so make sure to ask what’s available.
  • There is no option for rideshare coverage.
How is Amica Car Insurance Rated?
J.D. Power (out of 1,000)891
A.M. Best - Financial Strength RatingA+
BBBA+
NAIC Complaint Index1.32

How We Picked the Best Car Insurance Companies in Pennsylvania

We extensively researched the best car insurance companies in Pennsylvania using these criteria.

Cost

Cost is a big concern for drivers in Pennsylvania, so we focused on companies with affordable average costs compared to the Pennsylvania state average.

Coverage

Many drivers like having the option to customize their coverage with riders and add-ons, so we prioritized companies with useful riders including the following.

  • Gap protection
  • Roadside assistance
  • Accident forgiveness
  • New car replacement
  • Rental reimbursement

Discounts

One of the ways that drivers can reduce the cost of car insurance is by taking advantage of discounts; we prioritized companies that offered a wide array of discounts in multiple categories, particularly those with discounts such as bundling that most people can take advantage of.

Technology

Buying car insurance should be easy, so we focused on companies with useful websites, well-reviewed mobile apps, and those with discounts linked to driving technology.

Is Car Insurance Mandatory in Pennsylvania?

Car insurance is mandatory in the state of Pennsylvania.

What Types and Amounts of Car Insurance Are Required in Pennsylvania?

Pennsylvania law requires all drivers to purchase liability coverage in the following amounts:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of more than one person in an accident
  • $5,000 for damage to the property of another person

Many drivers choose to purchase comprehensive coverage that includes collision protection and other coverages, but these are not required if you choose the no-fault option.

What Does Car Insurance Cover?

Car insurance coverage may vary from company to company and state to state; in Pennsylvania, you are required to get two types of minimum coverage.

Liability

Your liability coverage protects you if you’re in an accident that leads to the injury or death of one or more people.

Property Damage

Property damage coverage protects you if you damage or destroys someone else’s property, including items such as detached garages and fences; personal belongings inside a vehicle are not covered.

Should I Buy Additional Coverage?

Depending on your personal needs and comfort level, you may want to consider purchasing comprehensive insurance to provide protection beyond what is required under Pennsylvania law.

Comprehensive coverage typically includes collision protection plus protection for non-collision events such as severe weather, vandalism, theft, glass & windshield damage, accidents with animals, and other circumstances that may cause damage to your vehicle.

Another additional coverage option to consider is uninsured/underinsured driver protection, which protects you if you’re in an accident where one driver is at fault and doesn’t have adequate insurance.

Is Pennsylvania a No-Fault State?

Pennsylvania is an optional no-fault state, which means that you can choose basic no-fault insurance or go for comprehensive coverage at a higher cost.

If you choose the no-fault option, you must submit any claim for damage to your vehicle or personal injury to your insurance company for payment.

If you don’t choose the no-fault option, then there will be an investigation to determine which driver was at fault and claims will be submitted and paid by the at-fault driver’s insurance company.

What Does Car Insurance Typically Cover?

Car insurance will cover damage to your vehicle and personal injuries to you and the passengers in your car.

If you opt for comprehensive coverage in Pennsylvania, your insurance will also cover damage to another driver’s vehicle or person.

Items that are not covered are as follows.

  • Normal wear and tear.
  • Intentional damage means any damage you intentionally cause to your vehicle.
  • Contents in your car. If someone breaks into your car and steals something, you’ll need to submit a claim under your homeowners or renters insurance.
  • Mechanical failure unrelated to a covered event.

What Factors Impact the Cost of Car Insurance?

Several factors impact the cost of car insurance:

  • The type and replacement value of your vehicle.
  • Your driving record.
  • The driving record of any other insured drivers.
  • Your age.
  • Your gender.
  • The area where you live.

Tips to Reduce the Cost of Car Insurance in Pennsylvania

You can do several things to decrease the cost of car insurance in Pennsylvania. Here are some options to consider.

  • Install safety features in your car.
  • Drive safely.
  • Take a safe driving or defensive driving course.
  • Bundle your insurance with one carrier.
  • Sign up for automatic payments or pay your annual premium in advance.
  • Take advantage of all available discounts to increase your savings.

It’s possible to reduce your cost by hundreds of dollars each year by layering discounts.

Synopsis

Car insurance is required of every driver in the state of Pennsylvania, and PropertyNest recommends comprehensive coverage for your peace of mind.

Drivers may want to consider purchasing collision coverage, theft coverage, and taking advantage of deductible reduction features to maximize their protection.

We suggest getting at least three quotes from three companies to compare costs and coverages before choosing a policy.