Learn More.
Advertiser Disclosure
Audited & Verified: Jan 8, 2026, 1:56pm
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.
The best car insurance companies offer competitive rates and provide great customer service. But how do you know which company is the best fit for you?
To identify the best car insurance in Pennsylvania, we evaluated 16 major car insurance companies. We analyzed car insurance rates for various coverage levels and driving records, for example, those with speeding tickets and accidents. We also researched complaints. Our findings reveal a range of savings, so review our research to find the insurer that matches your budget and driver profile.
Summary: Best Car Insurance Companies in Pennsylvania
Here’s an overview of our highest-ranked companies in Pennsylvania.
Nationwide
Best Overall
Nationwide
Average annual cost for good drivers
Our Expert Take
Drivers in Pennsylvania can save money with Nationwide, which stands out for its rates being 48% lower than the state average. It earns 5 stars from us not just for affordability, but also for its low complaint rate, which points to decent customer service and claims handling.
Pros & Cons
- Has an abundance of coverage offerings so you can customize a policy to suit your particular needs.
- Offers vanishing deductible can be added to your policy that will lower your comprehensive and collision deductible by $100 a year up to a max of $500.Has a UBI program, SmartRide, that earns you a sign-up discount and you could get a discount of up to 40% at renewal for safe driving. Unlike some other companies, it won’t raise your rates for risky driving behavior.
- Its digital experience scored poorly with us due to inability to give an online quote currently and had a chatbot instead of a live chat option.
- Doesn’t offer rideshare insurance.
- Received a mediocre C grade from collision repair specialists for its claim procedures.
Average Rates for Nationwide in Pennsylvania
Travelers
Best for drivers who caused an accident with injury
Travelers
Average annual cost for good drivers
Our Expert Take
An accident on your record likely means paying hefty premiums for coverage, especially if someone got injured. That’s all the more reason to shop around for low quotes. In Pennsylvania, Travelers charges an average of $1,589 a year for coverage if you have this type of accident on your record. That’s still less than the state average of 3,638.
Even if your record is clear of accidents, Travelers may still provide competitive pricing for your needs.
Pros & Cons
- Provides a good range of coverage choices.
- Premier New Car Replacement is a coverage package that includes new car replacement coverage, gap coverage and glass deductible.
- Has a good digital experience for customers with a useful app, helpful search and allows you to get a quote online.
- You can’t buy a policy online; you have to call the 1-800 number to finalize the quote and purchase the policy.
- Doesn’t offer SR-22 insurance.
- Received only a C grade from repair specialists for its claim repair processes.
Average Rates for Travelers in Pennsylvania
Erie
Best for state minimum rates
Erie
Average annual cost for good drivers
Our Expert Take
If all you can afford is the minimum required amount of liability insurance to drive legally, consider Erie. Its average annual rate $343 is the best for Pennsylvania drivers for state minimum liability limits—$200 lower than the state average.
Buying the minimum required amount of liability insurance provides you some financial protection if you are at fault for an accident, but you could be sued for damages that exceed the limits of your coverage. That’s why we encourage buying higher amounts of liability insurance than the state minimum if possible.
Pros & Cons
- Has a diminishing deductible available as part of Erie’s Auto Plus Endorsement (meaning you have to pay to add it on). For each year you don’t file a claim your collision and comprehensive deductibles will be reduced by $100, up to max of $500.
- Erie’s Rate Lock freezes your premium so it stays the same year after year, even if you file a claim. Your rates will change if you make certain policy changes, such as adding a driver or car.
- Highest grade from CRASH survey of collision repair specialists of the companies we evaluated, A-. Shows repair shops find their claim processes superior to most other insurers.
- Its average cost of gap insurance is higher than most competitors ($97 compared to an average of $48)
- Only available in 12 states
- Digital experience could be better. Its app received low marks from users.
Average Rates for Erie in Pennsylvania
Auto-Owners
Great For Drivers With Poor Credit
Auto-Owners
Average annual cost for good drivers
Our Expert Take
Drivers in Pennsylvania with poor credit pay an average of 4,536 annually for full coverage, but Erie offers 10% lower rates. Its pricing structure makes it a solid choice for those working to improve their credit over time.
If your credit score isn’t an issue, Erie may still be a solid option.
Pros & Cons
- Offers diminish deductible as an optional feature. To be eligible must have no at-fault accidents in the most recent one-year period.
- Offers SR-22s.
- Breadth of coverage offerings is good.
- Does not offer a usage-based insurance program.
- Does not offer pay-per-mile coverage.
- Digital experience is poor and earning only 1.7 out of 5 stars with us. Its website lacks a Spanish version or live chat feature.
Average Rates for Auto-Owners in Pennsylvania
Best Car Insurance Companies in Pennsylvania for Different Driver Profiles
Here’s an overview of our top choices in Pennsylvania for varying driver profiles.
Average rates are based on liability insurance of 100/300/100, collision and comprehensive coverage, uninsured motorist coverage, and any other insurance required by a state, for a 40-year-old female good driver.
How To Find the Best Car Insurance in Pennsylvania
1. Compare Rates From Multiple Insurers
Your driving history, credit score and the state you live in are just a few of the factors a car insurance company weighs when deciding what to charge you. As you research different companies, be sure to compare multiple quotes from different insurers so you have the fullest picture possible of what you’ll pay and what kind of coverage you can get.
Bear in mind that the rates listed below are averages for different types of drivers in Pennsylvania. You’llneed to contact Nationwide, Travelers and Erie directly and provide details to get a truly personalized quote.
Average Car Insurance Rates in Pennsylvania
2. Consider What Car Insurance Coverage Extras You Need
There’s no right or wrong car insurance policy—the coverage you need and the limits you choose are personal, and only you know what add-ons are most important to protect your vehicle and your finances. The best way to understand what options are available to you is to contact multiple insurers or work with an experienced independent agent to build a policy and get quotes.
3. Buy Ample Car Insurance Limits
By law, drivers in Pennsylvania have to carry these minimum coverage limits:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability
However, these totals may not be enough to financially protect you if you cause an accident. If you’re involved in an incident that causes property damage or injuries, you can end up liable for more than the amount your policy actually covers. Be sure to talk to an insurance agent about what kind of coverage you’ll need to be sufficiently insured.
Consider buying an umbrella insurance policy to add another layer of liability insurance to your auto and homeowner policies.
4. Look at Complaints Against the Insurance Company
In addition to cost, an insurer’s complaint level is an important consideration when weighing which one is right for you. If a company doesn’t pay out claims quickly or has poor customer service, you may decide that a slightly higher premium is worth the trade-off.
The National Association of Insurance Commissioners collects data complaint levels for companies nationwide. In Pennsylvania, these companies have the lowest complaint levels for auto insurance. The industry average is 1.00, and lower numbers are better.
- Nationwide (Complaint Index: 0.68)
- Travelers (Complaint Index: 0.94)
- Erie (Complaint Index: 0.93)
- Auto-Owners (Complaint Index: 0.49)
Auto insurance complaints are usually related to claim payments and delays.
5. Consider State-Specific Car Insurance Factors
Each state has unique challenges that impact insurance rates and coverage needs. In Pennsylvania, be mindful of:
- Uninsured Drivers: 11% of drivers in Pennsylvania are uninsured, making uninsured motorist coverage essential.
- Weather Risks: Pennsylvania sees NA, which can all impact rates.
- No-Fault Laws: Pennsylvania is a no-fault state, which means PIP (personal injury protection) is required.