Cheap Car Insurance in Pennsylvania
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Pennsylvania Car Insurance Minimums
Pennsylvania requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$15,000
Bodily Injury (per accident)
$30,000
Property Damage
$5,000
- Personal injury protection (PIP): $5,000
Choice no-fault state.
Source: state insurance department, verified 2026-09-01.
What drives car insurance rates in Pennsylvania
Average spend per insured vehicle, 2023
$1,155
Pennsylvania drivers spent $1,155 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
71.9¢
Auto insurers in Pennsylvania paid 71.9 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.18
Pennsylvania recorded 1,127 traffic deaths in 2024, 1.18 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
186.5
Pennsylvania reported 24,352 motor vehicle thefts in 2025, 186.5 per 100,000 residents, from 188.5 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#8
FEMA ranks Pennsylvania #8 of 51 for expected annual loss from natural hazards; flood accounts for 67% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Pennsylvania
The ten insurer groups that wrote the most auto premium in Pennsylvania in 2025, with their share of the state total of $12.4 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 20.73% | $2.6 billion |
| 2 | Progressive Group | 16.55% | $2.0 billion |
| 3 | Erie Insurance Group | 13.96% | $1.7 billion |
| 4 | Allstate Insurance Group | 11.6% | $1.4 billion |
| 5 | Berkshire Hathaway Group | 6.3% | $778 million |
| 6 | Nationwide Corp Group | 4.35% | $537 million |
| 7 | United Services Automobile Association Group | 4.11% | $508 million |
| 8 | Liberty Mutual Group | 3.63% | $448 million |
| 9 | Travelers Group | 3.51% | $433 million |
| 10 | Farmers Insurance Group | 1.67% | $207 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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