9 Best Car Insurance in Pennsylvania of 2026

This list is for Pennsylvania drivers comparing insurers on local rates, claims service and coverage options, from Philadelphia and the Lehigh Valley to Harrisburg, Pittsburgh and Erie. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Pennsylvania requires 15/30/5 liability limits plus $5,000 of first party medical benefits, and every driver chooses between full tort and limited tort. Most insurers do not publish a personal price, so we quote the figures Progressive, Allstate, USAA, Liberty Mutual, The Hartford and Root publish and mark the rest as pending. Some are market averages rather than the insurer's own rates, and we say which. GEICO, Nationwide, Travelers and American Family pages did not load a Pennsylvania page for us, so they are left out.

1. 01Top value

   

   Erie Insurance

   8.9/10

   An agent-based insurer that has sold auto coverage to Pennsylvania drivers since 1925.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   9.3

   Features (35%)

   8.9

   Ease of use (25%)

   8.2

   Best forPennsylvania drivers who want local agent service and a long list of policy extras at a competitive price.

   Erie Insurance is the first quote most Pennsylvania drivers should get. Its Pennsylvania page says it has covered drivers in the state since 1925, and it sells through more than 14,000 agents. The policy explains Pennsylvania's own choices clearly, including first party benefits for medical expenses, income loss and funeral costs, and the option to stack uninsured and underinsured motorist limits across every car on the policy. Erie also builds in extras other insurers charge for or skip: glass repair with the deductible waived, up to $350 for personal belongings in the car, up to $75 for a locksmith and up to $500 per pet hurt in a crash. Its main auto page adds ERIE Rate Lock and first accident forgiveness. Discounts cover safety features, multiple cars or policies, reduced usage and payment plans. The catch is that Erie publishes no Pennsylvania price, so you will need an agent quote to compare.

   • ✓Long Pennsylvania history and a large local agent network
   • ✓Many extras built into the policy
   • ✓Discounts for safety features, multiple cars and reduced usage

   • ✕No published Pennsylvania price
   • ✕Quotes and service run through agents
   • ✕Some extras cost more and vary by state

   Selling in PA since:

   1925

   Agents:

   More than 14,000

   UM/UIM options:

   Stacked or unstacked

   Pet injury cover:

   Up to $500 per pet, $1,000 total

   Bottom line: Erie is the best all-round car insurer for Pennsylvania drivers who value agent service and built-in extras. Get its quote first, then compare it with State Farm and Progressive.

   Visit erieinsurance.com ↗

2. 02

   

   Progressive

   8.7/10

   A national insurer selling online, by phone and through agents, with a long discount list.

   Price

   $111.33per month, average liability-only policy for one driver and one car in Pennsylvania (2025)

   Pennsylvania liability-only policies averaged $111.33 a month in 2025, based on Progressive data

   “The average cost of a Pennsylvania liability-only auto policy (single driver/single car) was $111.33 per month in 2025, based on Progressive data.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.7

   Ease of use (25%)

   9.0

   Best forPennsylvania drivers who want to compare and buy online with a published state benchmark.

   Progressive is the easiest place to start for Pennsylvania drivers who prefer to shop online. Its Pennsylvania page publishes a state figure: a liability-only policy for one driver and one car averaged $111.33 a month in 2025, based on Progressive data. That is a liability-only average, not a full coverage price, so use it to judge minimum coverage quotes. The page lists Pennsylvania discounts for multi-policy, homeowner, paying in full, quoting online, five years accident-free, teen drivers and good students, and says customers earn an average of seven discounts. Snapshot, the Deductible Savings Bank and rideshare coverage add options for specific drivers. Progressive also explains the state's tort choice and first-party benefits clearly. It ranks behind Erie and State Farm because those two lead on agent service and policy extras, while Progressive's edge is convenience.

   • ✓Publishes a Pennsylvania-specific cost figure
   • ✓Easy online quote and policy tools
   • ✓Customers earn an average of seven discounts

   • ✕Its benchmark covers liability-only policies
   • ✕Switching savings figures are national
   • ✕Phone and agent service varies by channel

   PA liability-only average:

   $111.33 a month (2025)

   Average discounts per customer:

   Seven

   Bundle saving:

   Over 25% on average nationwide

   Average switching saving:

   Over $950 nationwide

   Bottom line: Progressive is the best Pennsylvania pick for online shoppers who want a quick quote and many discounts. Use its $111.33 liability-only average as a yardstick.

   Visit progressive.com ↗

3. 03

   

   State Farm

   8.7/10

   A mutual insurer with a large local agent network and app, online and phone claims.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.5

   Features (35%)

   8.9

   Ease of use (25%)

   8.7

   Best forPennsylvania households with young drivers who want a neighborhood agent.

   State Farm is the safe second quote in Pennsylvania, especially for households adding a teenager. It has over 19,000 agents nationwide and serves more than 96 million policies and accounts, so local help is easy to find in Philadelphia, Pittsburgh or a small county seat. The pricing hooks it publishes are national: drivers who switch save an average of $740, bundling auto and renters can save up to $900, and drivers under 25 with no at-fault crashes or moving violations in three years can save as much as 20%. Claims can be filed online, in the app or by phone, and the company says it earned USA Today's America's Best Customer Service 2026. State Farm does not publish a Pennsylvania rate, so treat it as a quote to collect rather than a known price. It ranks just behind Erie because Erie includes more extras in the base policy.

   • ✓Strong agent coverage across Pennsylvania towns
   • ✓Good fit for young drivers
   • ✓Named USA Today's America's Best Customer Service 2026

   • ✕No Pennsylvania price published
   • ✕Savings figures are national
   • ✕Best discounts need an agent conversation

   Agents:

   Over 19,000

   Average switching saving:

   $740

   Young driver discount:

   Up to 20% under age 25

   Policies and accounts:

   96M+

   Bottom line: State Farm is the best Pennsylvania pick for families with young drivers who want an agent nearby. Ask about the under-25 discount when you quote.

   Visit statefarm.com ↗

4. 04

   

   Allstate

   8.5/10

   A national insurer with agents, an app and the lowest published Pennsylvania liability average on this list.

   Price

   $69per month, average liability-only policy bought online for one driver and one vehicle in Pennsylvania

   Pennsylvania customers who bought online paid $69 a month on average for liability-only coverage

   “Allstate customers in Pennsylvania who purchased online paid $69/month* – on average – for a liability-only auto insurance policy covering one driver and one vehicle.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.4

   Ease of use (25%)

   8.5

   Best forPennsylvania drivers who want cheap liability-only coverage bought online.

   Allstate publishes the lowest Pennsylvania figure on this list. Its Pennsylvania page says customers who bought online paid $69 a month on average for a liability-only policy covering one driver and one vehicle. That figure is narrow, since it excludes collision and comprehensive and only counts online buyers, but it is a useful floor for drivers who only need the state minimums. The page lists discounts for anti-theft devices, defensive driving, good students, students away at school and safe drivers, and Allstate also sells roadside assistance, rental reimbursement, rideshare coverage and policies for electric vehicles. Pennsylvania accepts electronic proof of insurance, and the Allstate app stores your ID card. The page explains the state's first party benefits and optional uninsured motorist coverage. Allstate ranks fourth because its published price is strong but it has fewer built-in extras than Erie and less published full coverage data.

   • ✓Lowest published Pennsylvania average on this list
   • ✓Wide discount list
   • ✓Digital ID card accepted in Pennsylvania

   • ✕The $69 average covers liability-only online buyers
   • ✕No published full coverage figure
   • ✕Price depends heavily on limits and deductibles

   PA online liability-only average:

   $69 a month

   Discounts listed for PA:

   Anti-theft, defensive driver, good student, student away, safe driver

   Extra coverages:

   Roadside, rideshare, EV, rental reimbursement

   Proof of insurance:

   Digital ID card in the app

   Bottom line: Allstate is the best Pennsylvania pick for drivers who want low-cost liability coverage bought online. Compare its full coverage quote carefully, because the $69 figure is liability only.

   Visit allstate.com ↗

5. 05

   

   AARP Auto Insurance from The Hartford

   8.4/10

   Auto insurance for AARP members, sold directly by phone and online.

   Price

   Customper month, Pennsylvania market average cited from a 2023 Bankrate figure

   Cites an average Pennsylvania car insurance cost of $2,040 a year, about $170 a month (market average, not a Hartford rate)

   “The average cost of car insurance in Pennsylvania is $2,040. This means that the average Pennsylvania driver paid about $170 month for auto insurance.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.3

   Features (35%)

   8.5

   Ease of use (25%)

   8.3

   Best forPennsylvania drivers aged 50 and over who want new car replacement and accident forgiveness.

   The AARP Auto Insurance Program from The Hartford suits Pennsylvania drivers over 50, and it has insured Pennsylvania AARP members since 1984. Its benefits reward long-term clean drivers: if you total a new car it is replaced with the same make and model with no depreciation deduction, accident forgiveness applies after five straight clean years with The Hartford, and the collision deductible can shrink over time. Specialists help you file claims by phone. The Pennsylvania page explains the choice between full tort and limited tort well, and notes that Pennsylvania accepts electronic proof of insurance. Its price figure is not its own: it cites a Pennsylvania average of $2,040 a year, about $170 a month, from a 2023 Bankrate study. Customers who switched to its newest rate plan saved $597 on auto on average. It ranks sixth because it targets one age group and publishes no Pennsylvania rate of its own.

   • ✓Strong benefits for long-term clean drivers
   • ✓Direct service by phone
   • ✓Clear explanation of full and limited tort

   • ✕Program is built around AARP membership
   • ✕Its $170 figure is a market average, not its own rate
   • ✕Accident forgiveness takes five years to earn

   Insuring PA AARP members since:

   1984

   Accident forgiveness:

   After five clean years

   Cited PA average:

   $2,040 a year, about $170 a month

   Average switching saving:

   $597 on auto

   Bottom line: The Hartford is the best Pennsylvania pick for AARP members who plan to stay with one insurer for years. Its new car replacement and accident forgiveness pay off for clean drivers.

   Visit thehartford.com ↗

6. 06

   

   Penn National Insurance

   8.4/10

   A regional insurer sold through independent agents, with optional coverage packages.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.9

   Features (35%)

   8.4

   Ease of use (25%)

   7.6

   Best forPennsylvania drivers who use an independent agent and want new-car replacement cost and package add-ons.

   Penn National Insurance is a regional option for Pennsylvania drivers who already work with an independent agent. Its auto page covers the standard pieces, including liability, medical or no-fault benefits, uninsured and underinsured motorist, collision and other-than-collision coverage, and it waives the deductible when a damaged windshield can be repaired instead of replaced. The Auto PennPac package adds pet coverage, a death benefit and a seat belt and restraint benefit, and with collision and comprehensive it adds towing and labor, travel interruption, locksmith services, airbag replacement and personal effects cover. Replacement cost auto coverage pays for a car bought in the last 30 days without depreciation. Discounts include home and auto, paying in full, passive restraints, good students, students away at school, driver education and multiple vehicles. Penn National ranks fifth because quotes run through agents only and it publishes no price.

   • ✓Useful package add-ons at low cost
   • ✓Replacement cost cover for new cars
   • ✓Strong family and student discounts

   • ✕Sold only through agents
   • ✕No online quote or published price
   • ✕Fewer self-service tools than national brands

   Sales channel:

   Independent agents

   New car cover:

   Replacement cost for cars bought within 30 days

   Package:

   Auto PennPac

   Student discount:

   B average or better

   Bottom line: Penn National is a good Pennsylvania choice for drivers with an independent agent who want strong add-on packages. Ask the agent to quote it next to Erie.

   Visit pennnationalinsurance.com ↗

7. 07

   

   USAA

   8.3/10

   Auto insurance for military members, veterans and their families.

   Price

   $199per month, average member premium in Pennsylvania (2024)

   Pennsylvania members paid $199 a month on average in 2024

   “Pennsylvania members paid $199 per month on average in 2024” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.0

   Features (35%)

   8.6

   Ease of use (25%)

   8.3

   Best forMilitary and veteran households in Pennsylvania.

   USAA is the pick for military, veteran and family households in Pennsylvania. Its Pennsylvania page reports that members in the state paid $199 a month on average in 2024, based on average member premiums across all coverages. Discounts are generous: safe drivers can get up to 30% off at renewal, SafePilot gives up to 15% just for enrolling, two or more vehicles earn an automatic discount, and vehicles under three years old may qualify too. Members who switched saved an average of $960 a year in a 2026 survey. The page notes that Pennsylvania requires uninsured and underinsured motorist limits that match your bodily injury liability unless you waive them in writing. Policies and claims can be managed 24/7 in the app. USAA ranks seventh because only eligible military families can join and its published average is higher than Progressive's and Allstate's liability figures.

   • ✓Publishes a Pennsylvania member average
   • ✓Large safe driver and telematics discounts
   • ✓Strong digital service

   • ✕Membership limited to military families
   • ✕The $199 average is a 2024 all-coverage figure
   • ✕Reserves the right to refuse to quote in Pennsylvania

   PA member average:

   $199 a month (2024)

   Safe driver discount:

   Up to 30% at renewal

   SafePilot enrollment discount:

   Up to 15%

   Average switching saving:

   $960 a year

   Bottom line: USAA is the best Pennsylvania option for eligible military families who want large safe driver discounts. Everyone else cannot buy it.

   Visit usaa.com ↗

8. 08

   

   Liberty Mutual

   8.1/10

   A national insurer selling online and by phone with customizable coverage.

   Price

   Customper month, Pennsylvania full coverage market average (November 2026)

   Puts the average Pennsylvania full coverage cost at about $161 a month (market average, not a quote)

   “The average cost of “full” coverage car insurance in Pennsylvania is about $161 per month, or $1,932 per year.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.3

   Ease of use (25%)

   8.3

   Best forPennsylvania drivers who want to buy online and use a telematics discount.

   Liberty Mutual gives Pennsylvania shoppers the most current full coverage benchmark on this list. Its Pennsylvania page, updated for November 2026, puts the state's full coverage average at about $161 a month, or $1,932 a year. That is a market figure rather than Liberty Mutual's own rate, but it is useful when you weigh full coverage quotes. Discounts include buying online, bundling policies and a safe driver program that can save up to 30%, and the page notes that choosing limited tort earns a discount. It also says rates in Philadelphia and Pittsburgh may run higher than in rural areas because of denser traffic and more accidents. Coverage and limits can be customized online. Liberty Mutual ranks eighth because it lacks the built-in extras of Erie and Penn National, and its published price is an average for all drivers rather than its own customers.

   • ✓Publishes a current Pennsylvania full coverage average
   • ✓Simple online buying
   • ✓Explains Philadelphia and Pittsburgh price differences

   • ✕The $161 figure is a market average, not its own rate
   • ✕Fewer built-in extras than Erie
   • ✕Savings claims are not Pennsylvania specific

   PA full coverage average:

   About $161 a month (November 2026)

   Safe driver program:

   Save up to 30%

   Tort option:

   Limited tort earns a discount

   Switching saving:

   Over $700

   Bottom line: Liberty Mutual suits Pennsylvania drivers who want to buy online and earn a telematics discount. Use its $161 full coverage average to check other quotes.

   Visit libertymutual.com ↗

9. 09

   

   Root

   7.8/10

   An app-based insurer that prices policies mainly on how you drive.

   Price

   Customper year, Pennsylvania full coverage market average

   Puts the average Pennsylvania full coverage cost at $2,327 a year (market average, not a Root rate)

   “The average Pennsylvania driver pays $2,327 per year for full coverage car insurance” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.6

   Features (35%)

   7.4

   Ease of use (25%)

   8.8

   Best forCareful Pennsylvania drivers who want app-only service and a rate based on driving behavior.

   Root is the app-first option for Pennsylvania drivers who are confident in their driving. Root says your driving behavior is the number one factor in its rate, so careful drivers can benefit while aggressive drivers may not. You can get a quote in under five minutes and file a claim in as little as three minutes in the app, and Root says Pennsylvania drivers who switch can save up to $1,300 a year. Its Pennsylvania page explains choice no-fault, the $5,000 first party medical benefit, the tort choice and optional benefits for income loss, accidental death and funeral costs. A rideshare and delivery endorsement and roadside assistance are available. The page cites a market average of $2,327 a year for full coverage, which is not a Root price. Root ranks last because it has no agents and fewer extras than the traditional insurers above.

   • ✓Fast app-based quotes and claims
   • ✓Rewards safe driving directly
   • ✓Clear guide to Pennsylvania's choice no-fault rules

   • ✕No agents or offices
   • ✕Its $2,327 figure is a market average
   • ✕Fewer coverage extras than traditional insurers

   Quote time:

   Under 5 minutes

   Claim filing:

   As little as 3 minutes in the app

   Potential saving:

   Up to $1,300 a year

   Cited PA full coverage average:

   $2,327 a year

   Bottom line: Root suits careful Pennsylvania drivers who want a fast app-based policy. Drivers with tickets or hard braking habits should look elsewhere.

   Visit joinroot.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.