Cheap Car Insurance in Pennsylvania 2026: Save $1,200/Year
Lisa Thompson
PA Insurance Expert | 12+ Years Experience
January 22, 2026
Looking for cheap car insurance in Pennsylvania? PA drivers pay $1,850/year average, but we found 12 insurers offering rates $800-$1,200 BELOW average with same coverage.
$1,850
PA Average Cost
$650
Cheapest Rate
+18%
vs US Average
$1,200
Potential Savings
🏆 Top 12 Cheapest Car Insurers Pennsylvania 2026
| Rank | Insurer | Avg Annual Cost | vs PA Avg |
|---|---|---|---|
| 1 | Erie Insurance | $650 | -65% |
| 2 | State Farm | $890 | -52% |
| 3 | Geico | $1,045 | -44% |
| 4 | Progressive | $1,180 | -36% |
| 5 | Nationwide | $1,290 | -30% |
📊 PA Car Insurance Costs by City 2026
Most Expensive Cities
Most Affordable Cities
💡 10 Ways to Save on PA Car Insurance
1. Bundle Home + Auto
Save 15-25% on both policies
Most PA insurers offer multi-policy discounts. Can save $400-$600/year combined.
2. Increase Deductible
$250 → $1,000 deductible = Save $300/year
Higher deductible = lower premium. Make sure you can afford it if you file a claim.
3. Good Driver Discount
Save 10-20% ($185-$370/year)
No accidents or violations in 3-5 years = big discounts in PA.
4. Low Mileage Discount
Save 5-15% ($93-$278/year)
Drive under 10,000 miles/year? Tell your insurer for discount.
❓ FAQ: PA Car Insurance 2026
What is the minimum car insurance required in Pennsylvania?
PA Minimum Required Coverage:
- Bodily Injury Liability: $15,000 per person / $30,000 per accident
- Property Damage Liability: $5,000 per accident
- First Party Benefits: $5,000 medical coverage
Cost: $400-$800/year for minimum coverage
Warning: Minimum coverage is NOT recommended. Increase to 100/300/100 for better protection.
Why is car insurance so expensive in Philadelphia?
Philadelphia has PA's highest rates ($2,850/year) due to:
- High theft rate: 5,200+ vehicle thefts in 2025
- Dense traffic: More accidents per capita
- Uninsured drivers: 14% of Philly drivers uninsured
- Higher claims: More expensive repairs + medical costs
Tip: Compare 5+ insurers. Rates vary 300%+ in Philadelphia!