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Auto Insurance · State Guide

Updated: May 1, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Pennsylvania Auto Insurance

Average auto insurance rates in Pennsylvania, minimum requirements, and the cheapest carriers.

  • State: Pennsylvania (PA)
  • Avg annual rate: $1,535

Auto insurance in Pennsylvania

Pennsylvania drivers pay an average of $1535 a year for full-coverage auto insurance. Pennsylvania rates run close to the national average. The state offers a ‘choice no-fault’ system where drivers select between limited tort and full tort options, affecting premium and lawsuit rights.

For drivers looking for the cheapest auto insurance in Pennsylvania, the savings spread between carriers can exceed several hundred dollars a year for the same coverage. Comparing quotes from multiple carriers is the single biggest lever you have to lower your premium.

Pennsylvania minimum coverage requirements

Pennsylvania requires drivers to carry at minimum 15/30/5 liability plus $5,000 medical (choice no-fault state) in liability coverage. Most drivers should carry significantly more than the minimum — serious accidents routinely exceed those limits and leave drivers personally liable for the excess.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage.

Best carriers in Pennsylvania

Erie Insurance dominates in Pennsylvania with consistently top customer satisfaction and competitive rates. GEICO and State Farm are also strong. For full-tort coverage seekers, getting quotes from multiple carriers is essential since tort selection significantly affects price.

Get quotes from at least three carriers — the cheapest carrier for one Pennsylvania driver isn’t necessarily the cheapest for the next, since rates vary by ZIP code, driving record, credit, and vehicle.