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Whether you live in the Philly metro area, the Rust Belt or on the shores of Lake Erie, you’re probably interested in finding the best car insurance in Pennsylvania. But every driver is different, and that means your insurance needs will be unique from other drivers, even if they live next door.
NerdWallet analyzed 32 insurance companies in Pennsylvania to help you find the best option for you. We split our top picks into four categories:
If you’d rather just see a full list of the best car insurance companies in Pennsylvania, you can jump to the bottom of the page.
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Best car insurance in Pennsylvania overall: NJM
NJM had the highest overall score in our car insurance analysis for Pennsylvania drivers, out of 32 eligible companies. These star ratings focus primarily on factors that affect a customer’s experience with the insurer.
Read our NJM auto insurance review to see why it comes out on top.
NJM
Discounts
Ease of use
NAIC complaints
NJM
Discounts
Ease of use
NAIC complaints
» MORE: The best car insurance companies
Best Pennsylvania car insurance for your budget: State Farm
Depending on your driver profile, the best car insurance in Pennsylvania may not be the cheapest for you. But it’s possible to get car insurance from a company that’s highly rated and also affordable.
The cheapest top-rated company in Pennsylvania is State Farm. Our analysis showed that the average rate for full coverage insurance from State Farm is $1,194 a year, or $100 a month for Pennsylvania drivers. Of course, your rate will be different. (You can read our methodology to see how we determine average rates.)
You can find out other details about this insurer in our State Farm auto insurance review.
We don’t have data for every single company that offers coverage to Pennsylvania drivers, so compare car insurance rates from several companies to make sure which one is the cheapest for you.
Check out NerdWallet’s analysis of cheap car insurance in Pennsylvania for a more detailed breakdown of the most affordable insurers in your state.
State Farm
Discounts
Ease of use
NAIC complaints
State Farm
Discounts
Ease of use
NAIC complaints
Best Pennsylvania car insurance for customer satisfaction: Auto-Owners
Auto-Owners is the best car insurance company in Pennsylvania in terms of customer satisfaction. It has the fewest customer complaints to Pennsylvania insurance regulators for a company of its size out of all of NerdWallet’s 5 star-rated insurers in the state.
You can learn more about how Auto-Owners insurance works in our Auto-Owners insurance review.
Auto-Owners Insurance
Discounts
Ease of use
NAIC complaints
Auto-Owners Insurance
Discounts
Ease of use
NAIC complaints
Best Pennsylvania car insurance for ease of use: State Farm
State Farm is the best car insurance company in Pennsylvania in terms of how easy it is to use and navigate both the company website and mobile app. Drivers can view their policy and submit claims online, and the State Farm mobile app has high user ratings for iOS and Android devices.
Read our State Farm auto insurance review to learn more.
State Farm
Discounts
Ease of use
NAIC complaints
State Farm
Discounts
Ease of use
NAIC complaints
Full list of the best car insurance companies in Pennsylvania
If you’re looking for even more options, NerdWallet analyzed 32 car insurers to find the best car insurance companies in Pennsylvania. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
Company | Star rating |
|---|---|
Acuity | 4.5 NerdWallet rating |
Plymouth Rock | 4.5 NerdWallet rating |
USAA* | |
*USAA is available only to active-duty military members, veterans and their families. | |
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
To determine the cheapest top-rated company in each state, we compared full coverage insurance rates for 35-year-old drivers with a clean driving history and good credit (where applicable). We also used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
These are rates generated through Quadrant Information Services. Your own rates will be different.
