Pennsylvania drivers pay an average of $1,800/yr for full coverage. Choice of full tort or limited tort affects rates. Philadelphia drivers pay much more than rural PA.
✅ Avg Rate: $1,800/yr✅ Min Required: 15/30/5k liability📍 Full tort vs limited tort choice
Best Car Insurance Companies in Pennsylvania
#1 State Farm
Best overall in Pennsylvania • A++ rated • Local agents statewide
Erie Insurance, State Farm, and GEICO are top picks for Pennsylvania drivers. Rates average $1,800/yr for full coverage in Pennsylvania.
Pennsylvania full coverage averages $1,800/yr. Choice of full tort or limited tort affects rates. Philadelphia drivers pay much more than rural PA.
Pennsylvania requires minimum 15/30/5k liability. Note: Full tort vs limited tort choice.
GEICO is generally cheaper on price. State Farm wins on customer service and claims. Always get quotes from both — rates vary significantly by zip code within Pennsylvania.
Compare multiple quotes, bundle home and auto, maintain a clean driving record, take a defensive driving course, raise your deductible, and ask about usage-based programs like Progressive Snapshot or State Farm Drive Safe & Save.