{"id":311963,"date":"2026-10-22T15:20:13","date_gmt":"2026-10-22T15:20:13","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-pa\/311963\/"},"modified":"2026-10-22T15:20:13","modified_gmt":"2026-10-22T15:20:13","slug":"best-car-insurance-in-pennsylvania","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-pa\/311963\/","title":{"rendered":"Best Car Insurance in Pennsylvania"},"content":{"rendered":"

Car insurance<\/a> in Pennsylvania costs slightly more than the national average, and the state is one of 12 that are considered “no-fault.”<\/p>\n

The average car insurance premium in the Keystone State is $1,178 for six months of coverage, $33 higher than the national average, according to October data from The Zebra<\/a>.<\/p>\n

Additionally, under the “no-fault” structure, drivers can choose between a no-fault policy \u2014 which covers your medical bills after an accident regardless of who’s responsible \u2014 and traditional tort coverage, which requires the at-fault driver’s insurance to pay. <\/p>\n

However, the prices differ: Coverage in the no-fault system tends to cost more than tort, in part because these systems require personal injury protection coverage (PIP). <\/p>\n

However, not all auto insurance in the state is the same. After all, insurers can view your information and driving record differently, and some have better track records with customer service and pricing than others. <\/p>\n

CNBC Select looks at more than a dozen car insurance companies to find the best in Pennsylvania. <\/p>\n

Do you have an insurance question?<\/p>\n

Lead reporter Liz Knueven can answer your questions on home, auto and other types of property insurance, as well as life insurance in her biweekly Insurance Pro Column. Submit your question here<\/a>.<\/p>\n

The best car insurance in PennsylvaniaBest for customer service: Erie <\/p>\n

Who’s this for? Erie<\/a> has ranked highly for customer service in J.D. Power’s auto insurance customer satisfaction surveys<\/a>, taking the top spot in the mid-Atlantic region for trust, price, ease of doing business and other factors. <\/p>\n

Standout benefits: Erie’s Rate Lock\u00ae feature can keep your premiums from increasing after an accident, helping you better budget for your insurance bill. It stays at that rate until you change your policy, like adding a new driver or switching cars. <\/p>\n

Accident forgiveness and pet coverage standard with comprehensive or collision policies. Erie Auto Plus increases coverage limits, adds diminishing deductible and a death benefit of up to $10,000. Other add-ons include roadside assistance, rate lock and rideshare insurance.<\/p>\n

Pros & consAffordable premiumsHigh customer satisfaction scores from J.D. PowerQuotes available onlineOnly available in 12 states and Washington, D.C.Can’t buy a policy onlineFewer discounts than competitorsBest for affordability: Auto-Owners <\/p>\n

Who’s this for? Auto-Owners<\/a> has some of the most affordable average rates for full coverage car insurance in Pennsylvania, according to data from The Zebra.<\/a> <\/p>\n

Standout benefits: Auto-Owners sells gap insurance, which can cover the difference between your car’s value and your auto loan. Not all insurers offer it, making it a strong option for new car owners. <\/p>\n

Auto-Owners offers affordable premiums, including below-average rates for\u00a0high-risk drivers, and has a track record of first-rate customer service. Issues SR-22 certificates<\/p>\n

Pros & consAffordable rates for liability-only coverageAdd-ons include gap insurance and accident forgiveness Covers modified cars and vehicles converted for the disabledOnly available in 26 statesQuotes must be obtained through an agentClaims must be filed with an agentBest for discounts: NJM <\/p>\n

Who’s this for? NJM<\/a> has a long list of car insurance discounts, including for Pennsylvania drivers under age 21 who complete appropriate approved driving courses.<\/p>\n

Standout benefits: J.D. Power<\/a> rated NJM highly for its claims process in 2025, and the company ranked second in a survey of those who did have to file a claim on their auto insurance policy.<\/p>\n

NJM Auto Insurance<\/a>Cost<\/p>\n

The best way to estimate your costs is to request a quote<\/p>\n

Policy highlights<\/p>\n

Full coverage policies with NJM come with several uncommon benefits, including new car replacement, reimbursement for a rental car while your vehicle is in the shop and coverage for pets injured in a covered accident There are also 10 discounts for drivers, including for bundling, owning a new car and for seniors who complete a defensive driving course<\/p>\n

Accident forgiveness<\/p>\n

Accident forgiveness with NJM is only available in Pennsylvania<\/p>\n

ProsLow average ratesHighly ranked for claims satisfaction by J.D. PowerOffers gap insurance and rideshare insuranceConsOnly available in Connecticut, Maryland, New Jersey, Ohio and PennsylvaniaAccident forgiveness only available in PennsylvaniaBest for bundling: State Farm <\/p>\n

Who’s this for? Switching to State Farm<\/a> and bundling home and auto insurance in 2025 saved the average customer $1,429 on both coverages, according to a company survey. <\/p>\n

Standout benefits: If you have multiple cars in your household, you could save up to 20% by insuring them together.<\/p>\n

The largest auto insurer in the U.S., State Farm has an excellent reputation for customer satisfaction and affordable rates, even for teens.<\/p>\n

Pros & consHigh customer satisfaction ratingsAvailable in most statesAffordable rates for teen driversDoesn\u2019t offer gap insuranceAccident forgiveness requires 9 years accident-freeHave to work with an agent to buy a policy..Best for military members and veterans: USAA <\/p>\n

Who’s this for? USAA<\/a> is only available to current and former military personnel and their eligible family members. Additionally, J.D. Power consistently rates it highly for customer service and claims satisfaction. <\/p>\n

Standout benefits: USAA offers unique discounts for those in the military, including those who keep their car on base. <\/p>\n

Available to service members, veterans and their families. Add-ons include rideshare insurance, classic cars, roadside assistance, commercial auto and rental car reimbursement.<\/p>\n

Pros & consConsistently affordable auto insurance ratesHighly rated for customer satisfaction by J.D. PowerDiscounts for storing vehicles on base or for deploymentBundling home and auto insurance with USAA can help you save up to 10%Limited to military families and veteransNo physical branchesCustomer service not available 24\/7Safe-driver discount not available in every stateWhat car insurance is required in Pennsylvania? <\/p>\n

In Pennsylvania<\/a>, minimum required coverage is $15,000 for bodily injury per person involved in an accident, $30,000 total bodily injury coverage per accident, and $5,000 for property damage per accident. You’ll also need to have a $5,000 first-party medical benefit per person.<\/p>\n

Find the right auto insurance for you and see how much you could save<\/p>\n

Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.<\/p>\n

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The largest auto insurer in the U.S., State Farm has an excellent reputation for customer satisfaction and affordable rates, even for teens.<\/p>\n

How to get cheap car insurance in Pennsylvania<\/p>\n

To find the best car insurance in Pennsylvania, you’ll want to take a few steps, including: <\/p>\n

Give your credit score a boost: While your credit score can’t be used in calculating your insurance score<\/a> in some states, it is a consideration in Pennsylvania. Like in most of the U.S., the higher your credit score, the lower the price you’ll pay for coverage. Raise your credit score<\/a> by paying bills on time, not opening too many accounts at once and keeping your credit utilization ratio low.Shop around: There’s a chance you could get a lower quote from another company for the same coverage. Make sure to shop around to find the best deal, using the same limits and deductible. There are even tools that could help with this process \u2014 the AI-powered platform Jerry<\/a> can even keep an eye out for savings opportunities in the future. Don’t let your coverage lapse: Even a short break in your insurance history could cause higher prices. Start the process well before your current policy expires. Consider a higher deductible: Your deductible, or the amount you’d be responsible for out of pocket if you filed a claim, has a big impact on your bill. Raising your deductible could help you save on your monthly premium. Raising your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15% to 30%, according to data from the Insurance Information Institute.<\/a> Auto insurance in Pennsylvania FAQs<\/p>\n

What is the cheapest car insurance in Pennsylvania? <\/p>\n

Auto-Owners had some of the most affordable average car insurance rates in Pennsylvania, according to CNBC Select’s analysis of data from The Zebra.<\/a> <\/p>\n

What is the average car insurance cost in Pennsylvania?<\/p>\n

Car insurance in Pennsylvania costs about $1,178 for six months of coverage, or about $196.33 per month, according to data from The Zebra.<\/a><\/p>\n

Subscribe to the CNBC Select Newsletter!<\/p>\n

The CNBC Select Recommends newsletter delivers practical money tips each week along with expert-picked financial product recommendations. Sign up\u00a0here<\/a>.<\/p>\n

Why trust CNBC Select? <\/p>\n

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology<\/a> for more information on how we choose the best auto insurance in Pennsylvania.<\/p>\n

Our methodology\u00a0\u00a0<\/p>\n

CNBC Select<\/a>\u00a0analyzed over a dozen car insurance companies offering policies in Pennsylvania, focusing on rates, coverage options, discounts, customer satisfaction and online experience.<\/p>\n

We prioritized companies with strong customer satisfaction ratings from\u00a0J.D. Power<\/a> and low scores on the National Association of Insurance Commissioners’ complaint index. Rate data was gathered from The Zebra, accessed in October 2026.<\/p>\n

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.<\/p>\n

Based on these criteria, our picks for the best car insurance in Pennsylvania are:<\/p>\n

Catch up on CNBC Select’s in-depth coverage of\u00a0credit cards<\/a>,\u00a0banking<\/a>\u00a0and\u00a0money<\/a>, and follow us on\u00a0TikTok<\/a>,\u00a0Facebook<\/a>,\u00a0Instagram<\/a>\u00a0and\u00a0X<\/a>\u00a0to stay up to date.<\/p>\n

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff\u2019s alone, and have not been reviewed, approved or otherwise endorsed by any third party.<\/p>\n