The best auto insurance companies in Pennsylvania are The General, Direct Auto, and National General, based on user ratings on WalletHub. Whether you have a general question or want to file a complaint, you can get help through our Pennsylvania Consumer Services (CSO) online Portal. Learn more about when to cancel optional coverage and penalties for driving without insurance in Pennsylvania to make sure you pay for the coverage you need. Pennsylvania uses a no-fault system for car insurance by default, but it's one of three states where there is no fault.
The cheapest auto insurance companies in Pennsylvania are Erie, Travelers and Farmers, and getting quotes from several companies can help you find the best deal. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. Pennsylvania auto insurance companies must offer discounts for vehicles with passive restraint devices. Six percent of Pennsylvania drivers don't have car insurance, according to the Insurance Research Council.
If you're attending school, you can also look for discounts on student car insurance to save money on coverage. There are several factors that affect how much you'll pay for car insurance in Pennsylvania, such as your driving history, age and location, the amount of coverage you buy, and the insurance company you buy it from. A good car insurance policy will cover damage to your own car and collisions with uninsured drivers. You can save on your car insurance depending on the type of car you drive, so before buying a new vehicle, consider the most and least expensive cars to insure.
For more information, see WalletHub's guides on how much car insurance you need and affordable car insurance in Pennsylvania. We analyzed Pennsylvania auto insurance companies using several key metrics to help you find the one that best fits your needs. The average cost of car insurance in Pennsylvania is 9% lower than the national average auto insurance premium.