| Age Range | Best Insurance Company | Average Annual Comprehensive Premium | Why Are They the Best? | FIXD Insurance Rating (Out of 5) |
| 18-24 | Erie | $1500 | Best comprehensive rates and outstanding customer service | 4.5 |
| 25-34 | Erie | $900 | Outstanding comprehensive rates and the best customer service | 4.5 |
| 35-44 | Liberty Mutual | $1200 | The best comprehensive rates and good customer service | 3.8 |
| 45-54 | Erie | $900 | Most competitive rates for comprehensive and stellar customer service | 4.5 |
| 55-64 | Erie | $1300 | Highest customer satisfaction rankings and lowest rates for comprehensive coverage | 4.5 |
| 65 or older | USAA | $900 | Lowest rates for qualifying Pennsylvania residents and good customer satisfaction | 3.9 |
Are you tired of insurance rate hikes? Slow response times from your insurance company? Perhaps you need to add a young driver to your policy, and you’re exploring more affordable options than your current company.
Pennsylvania residents can rest assured that there are companies providing outstanding customer service and competitive rates for full coverage on their vehicles.
Keep reading to discover why Erie Insurance is one of FIXD users’ favorite insurance companies. You’ll also see the best car insurance company for each age range of drivers.
In this article, we’ll also offer tips from a licensed insurance agent to help you find the best companies to get quotes from. This way, you only hand out personal information to the best options.
Pennsylvania’s Best Car Insurance Companies
Pennsylvania’s best car insurance companies are Erie Insurance, Liberty Mutual, State Farm, USAA, and Nationwide. FIXD customers with insurance from these companies enjoy competitive rates and great customer satisfaction and feel that claims are resolved fairly.
While it’s possible to get insurance quotes on your own, working with the right independent agent can save you time and money because the agent will be able to get quotes from insurance companies at once.
To offer the best recommendations on auto insurance in Pennsylvania, FIXD surveyed its customers. We computed the averages of multiple factors to determine what companies are the best in Pennsylvania. There’s more about our methodology later in the article.
We recommend having full coverage, which includes collision and comprehensive insurance for your car for the greatest financial protection, so we focused on rates reported by customers with comprehensive coverage since most policies for comprehensive require collision coverage anyway.
| Best Car Insurance Companies Pennsylvania | Why? |
FIXD User Average Rating (Out of 5) |
| Erie Insurance | Best rates overall for Pennsylvania residents with the highest customer satisfaction scores | 4.5 |
| Liberty Mutual | Offer competitive rates for some demographics and good customer service | 3.8 |
| State Farm | One of the more affordable companies with great customer satisfaction | 4.2 |
| USAA | Offers competitive rates for military service members and their dependents and has good customer satisfaction | 3.9 |
| Nationwide | Happy customers and competitive rates for some demographics | 4.2 |
Pennsylvania’s Best Overall Insurance Company: Erie Insurance
Erie Insurance is the best overall insurance provider for residents of Pennsylvania because this regional insurance carrier offers competitive rates across many age groups without sacrificing overall customer satisfaction or claims resolution.
| Company Info | Erie Insurance |
| Founded | 1925 |
| Headquarters | Erie, PA |
| Phone Number | (800) 458-0811 |
| Website | https://www.erieinsurance.com/ |
| Products | Auto, Home, Business, and Life Insurance |
| Population Served | Pennsylvania, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia |
Average Years as a Customer at Erie Insurance: 11.6 years is the average length of time that FIXD survey respondents were Erie Insurance customers.
How many customers hear back within 10 minutes? 88% of FIXD users with Erie Insurance heard back from the company within ten minutes of contacting the company.
How quickly are Claims Resolved? 93% of claims are resolved within two weeks of filing with Erie Insurance, according to FIXD survey respondents in Pennsylvania.
Customer Satisfaction with Claims: 100% of customers who had filed a claim with Erie Insurance in the FIXD survey felt that the claims were resolved fairly.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Erie Insurance Discounts in Pennsylvania according to FIXD Survey:
- 70% of customers qualify for a safe driver discount
- 43% have a discount for multiple cars on the policy
- 43% claim a discount for using an anti-theft device
- 37% bundle their homeowners and auto insurance
- 17% bundle renters and car insurance
- 13% qualify for a military discount
- 7% qualify for a good student discount
- 7% earn a green vehicle discount
Erie Insurance Average Annual Rates
| *Erie Insurance Average Annual Rates for Comprehensive Coverage | ||
| Average Overall | Male | Female |
| $1457 | $2025 | $660 |
Pennsylvania’s Best Car Insurance Companies by Age Groups
Often, car insurance companies in Pennsylvania and the United States target specific demographics with promotions, low rates, and marketing strategies. Commonly, car insurance companies like to use age ranges as target demographics.
Because of this, the best car insurance company may vary depending on age, risk factors, or regional differences. To help readers see which companies have the best rates and services for their age group, we analyzed the data from our survey to identify this information.
Here is a list of the best insurance companies in Pennsylvania based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in Pennsylvania: Erie Insurance
Erie Insurance is the best provider for 18 to 24-year-olds because the company offers fair claims resolution, the best rates for comprehensive coverage, and outstanding prices for beginning drivers according to the FIXD survey.
|
Company Info |
Erie Insurance |
|
Founded |
1925 |
|
Headquarters |
Erie, PA |
|
Phone Number |
(800) 458-0811 |
|
Website |
|
|
Products |
Auto, Home, Business, and Life Insurance |
|
Population Served |
Pennsylvania, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia |
How many customers hear back within 10 minutes? 88% of FIXD survey respondents with Erie Insurance hear back within ten minutes of contacting Erie.
How quickly are Claims Resolved? 93% of claims filed with Erie Insurance are resolved within two weeks, according to FIXD survey respondents who had filed a claim with the company.
Customer Satisfaction with Claims: 100% of claim filers in the FIXD survey felt that Erie’s claim resolution was fair.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Erie Insurance Discounts according to FIXD Survey: Pennsylvania FIXD survey participants with Erie Insurance most commonly used these discounts:
- 70% of customers qualify for a safe driver discount
- 43% have a discount for multiple cars on the policy
- 43% claim a discount for using an anti-theft device
- 37% bundle their homeowners and auto insurance
- 17% bundle renters and car insurance
- 13% qualify for a military discount
- 7% qualify for a good student discount
- 7% earn a green vehicle discount
Here is a list of the cheapest car insurance companies in Pennsylvania for 18 to 24-year-olds:
|
Car Insurance Company |
Average Annual Premium for Comprehensive |
|
Erie Insurance |
$1500 |
Pro Tip: The best rate for auto insurance for a beginning driver will depend on if you are added to a parent or guardian’s policy or shopping on your own. Don’t be afraid to speak to an agent to find the best deal for your situation.
The Best Car Insurance Company for 25 to 34-Year-Olds in Pennsylvania: Erie Insurance
Erie Insurance is the best insurance provider for 25 to 34-year-olds in Pennsylvania. Erie offers the most competitive rates for Pennsylvania residents in this age group and others. These great rates come with fair claims resolution and the highest customer satisfaction.
|
Company Info |
Erie Insurance |
|
Founded |
1925 |
|
Headquarters |
Erie, PA |
|
Phone Number |
(800) 458-0811 |
|
Website |
|
|
Products |
Auto, Home, Business, and Life Insurance |
|
Population Served |
Pennsylvania, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia |
How many customers hear back within 10 minutes? 88% of FIXD survey takers with Erie Insurance report hearing back from the company within ten minutes.
How quickly are Claims Resolved? 93% of claims filed with Erie Insurance by FIXD survey respondents were resolved within two weeks.
Customer Satisfaction with Claims: 100% of Erie’s claims were resolved fairly, according to Pennsylvania’s FIXD survey participants.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Erie Insurance Discounts in Pennsylvania according to FIXD Survey:
- 70% of customers qualify for a safe driver discount
- 43% have a discount for multiple cars on the policy
- 43% claim a discount for using an anti-theft device
- 37% bundle their homeowners and auto insurance
- 17% bundle renters and car insurance
- 13% qualify for a military discount
- 7% qualify for a good student discount
- 7% earn a green vehicle discount
Pro Tip: Going with the cheapest option may seem like the best, but if claims are resolved unfairly, that could end up costing you thousands. Check out surveys and ask around to make sure you can trust your car insurance company.
Here is a list of the cheapest car insurance companies in Pennsylvania for 25 to 34-year-olds according to the FIXD Survey:
|
Car Insurance Company |
Average Annual Premium |
|
Erie Insurance |
$900 |
|
Allstate |
*$1500 |
|
State Farm |
*$1800 |
|
Liberty Mutual |
*$3100 |
*Data from Allstate, State Farm, and Liberty Mutual in the FIXD survey is from non-comprehensive premiums, so drivers may be getting less coverage with listed rates.
Pro Tip: A good car insurance policy is only the beginning of saving money as a driver. Auto insurance does not cover any mechanical failures due to faulty parts or poor maintenance.
Save yourself time, money, and hassle by getting a reliable way to know what repairs need to be done and how to see if a mechanic is charging a fair rate. Try FIXD today.
The Best Car Insurance Company for 35 to 44 -Year-Olds in Pennsylvania: Liberty Mutual
The best car insurance provider for most 35 to 44-year-olds in Pennsylvania is Liberty Mutual because of its low rates and adequately satisfied customers, according to the FIXD survey. Nationwide offers similarly competitive rates with high customer satisfaction as a backup option.
|
Company Info |
Liberty Mutual |
|
Founded |
|
|
Headquarters |
Boston, MA |
|
Phone Number |
617-357-9500 |
|
Website |
|
|
Products |
Auto & Vehicle, Property, Life, Pet, and Business Insurance Options |
|
Population Served |
The United States of America |
How many customers hear back within 10 minutes? 80% of Liberty Mutual customers in the FIXD survey hear back within ten minutes of contacting the company.
How quickly are Claims Resolved? 100% of claims were resolved within two weeks of filing with Liberty Mutual, according to FIXD survey participants who had filed a claim with Liberty Mutual.
Customer Satisfaction with Claims: 100% of customers felt that the resolution of their claim with Liberty Mutual was fair, according to the FIXD survey.
How to sign up with Liberty Mutual: The easiest way to sign up with Liberty Mutual is to sign up through the Liberty Mutual website with a customized quote.
Popular Discounts with Liberty Mutual: According to the FIXD survey participants, these are the most utilized discounts with Liberty Mutual:
- 64% qualify for a safe driver discount
- 45% have a discount for multiple cars on the policy
- 45% enjoy an anti-theft device discount
- 36% bundle their home and auto insurance
- 18% bundle renters and car insurance
Here is a list of the cheapest car insurance companies in Pennsylvania for 35 to 44-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
Liberty Mutual |
$1200 |
|
Nationwide |
$1500 |
|
Allstate |
$1800 |
|
State Farm |
$1950 |
|
Progressive |
$1950 |
The Best Car Insurance Company for 45 to 54 -Year-Olds in Pennsylvania: Erie Insurance
The best auto insurance company for adults aged 45 to 54 in Pennsylvania is Erie Insurance. Erie offers the lowest rate for Pennsylvania residents in this age category and maintains the highest customer satisfaction ratings according to the FIXD survey.
|
Company Info |
Erie Insurance |
|
Founded |
1925 |
|
Headquarters |
Erie, PA |
|
Phone Number |
(800) 458-0811 |
|
Website |
|
|
Products |
Auto, Home, Business, and Life Insurance |
|
Population Served |
Pennsylvania, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia |
How many customers hear back within 10 minutes? 88% of Erie customers hear back within ten minutes, according to the FIXD survey.
How quickly are Claims Resolved? 93% of insurance claims filed with Erie by FIXD users in Pennsylvania were resolved within two weeks.
Customer Satisfaction with Claims: 100% of claim resolutions with Erie Insurance felt fair, according to Pennsylvania FIXD customers who took the survey.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Erie Insurance Discounts according to Pennsylvania FIXD Survey participants:
- 70% of customers qualify for a safe driver discount
- 43% have a discount for multiple cars on the policy
- 43% claim a discount for using an anti-theft device
- 37% bundle their homeowners and auto insurance
- 17% bundle renters and car insurance
- 13% qualify for a military discount
- 7% qualify for a good student discount
- 7% earn a green vehicle discount
Here is a list of the cheapest car insurance companies in Pennsylvania for 45 to 54-year-olds:
|
Car Insurance Company |
Average Annual Comprehensive Premium |
|
Erie Insurance |
$900 |
|
State Farm |
$2100 |
|
Progressive |
$2400 |
|
USAA |
$3000 |
|
GEICO |
$3300 |
Pro Tip: Fetch new quotes from your favorite independent insurance agent when it’s time to add new drivers, especially teen drivers. Adding a new driver with a different age group or risk profile may change which auto insurance company is best for your household.
The Best Car Insurance Company for 55 to 64 -Year-Olds in Pennsylvania: Erie Insurance
The best auto insurance company for adults aged 55 to 64 in Pennsylvania is Erie Insurance because Erie offers the best rates for full coverage and has kept happy customers for over a decade on average according to FIXD survey respondents.
|
Company Info |
Erie Insurance |
|
Founded |
1925 |
|
Headquarters |
Erie, PA |
|
Phone Number |
(800) 458-0811 |
|
Website |
|
|
Products |
Auto, Home, Business, and Life Insurance |
|
Population Served |
Pennsylvania, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia |
How many customers hear back within 10 minutes? 88% of Erie’s customers in the FIXD survey hear back within ten minutes of contacting the company.
How quickly are Claims Resolved? 93% of claims were resolved within two weeks of filing with Erie Insurance, according to the FIXD survey.
Customer Satisfaction with Claims: 100% of claims filed with Erie Insurance were resolved fairly, according to FIXD survey data.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Pennsylvania Erie Insurance Discounts according to FIXD Survey:
- 70% of customers qualify for a safe driver discount
- 43% have a discount for multiple cars on the policy
- 43% claim a discount for using an anti-theft device
- 37% bundle their homeowners and auto insurance
- 17% bundle renters and car insurance
- 13% qualify for a military discount
- 7% qualify for a good student discount
- 7% earn a green vehicle discount
|
Car Insurance Company |
Average Annual Comprehensive Premium |
|
Erie Insurance |
$1300 |
|
Progressive |
$1440 |
|
Nationwide |
$1500 |
|
Allstate |
$1500 |
|
GEICO |
$1800 |
The Best Car Insurance Company for 65+-Year-Olds in Pennsylvania: USAA
The best auto insurance company for seniors in Pennsylvania is USAA because USAA resolves claims fairly and keeps comprehensive auto insurance rates low for qualifying military service members and their eligible family members.
If you’re not eligible for an auto insurance policy from USAA, try quotes from State Farm or Erie Insurance, the next best rates for adults aged 65+ in Pennsylvania. Both of these companies have a good track record for resolving claims fairly, according to FIXD survey respondents.
|
Company Info |
USAA (United Services Automobile Association) |
|
Founded |
1922 |
|
Headquarters |
San Antonio, TX |
|
Phone Number |
(800)-531-USAA (8722) or (201)-531-8722 |
|
Website |
https://www.usaa.com/ |
|
Products |
Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
|
Population Served |
Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? At least half of all FIXD survey participants with USAA auto insurance hear back from the company within ten minutes of contacting USAA.
How quickly are Claims Resolved? 100% of claims filed with USAA by FIXD survey respondents were resolved within two weeks.
Customer Satisfaction with Claims: 100% of claims were resolved fairly by USAA, according to FIXD survey participants who had filed a claim with USAA.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular Discounts with USAA in Pennsylvania: According to the FIXD survey, these are the most utilized discounts on auto insurance with USAA:
- 33% have a discount for multiple cars on the policy
- 33% qualify for a safe driving discount
- 33% utilize an anti-theft device discount
- 17% bundle renters and car insurance
- 17% qualify for a good student discount
- 17% qualify for a military discount
Here is a list of the cheapest car insurance companies in Pennsylvania for residents aged 65 and above:
|
Car Insurance Company |
Average Annual Premium |
|
AAA |
$750 |
|
USAA |
$900 |
|
State Farm |
$1538 |
|
Erie Insurance |
$1650 |
|
GEICO |
$1800 |
Pro Tip: Insurance companies may steeply discount one type of insurance, like auto insurance, while charging above average rates on another type, like home insurance. Don’t assume that bundling will always result in the most savings overall.
Research Methodology
To make sure we offered Pennsylvania the best recommendations, we focused on finding the lowest rates for auto insurance among companies that resolved the majority of claims fairly, according to FIXD survey participants. This multi-faceted approach sets these recommendations apart.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data, including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
Conclusion
Pennsylvania residents should reach out to an independent agent contracted with Erie Insurance to get quotes if they haven’t already because Erie Insurance has extremely competitive rates for full coverage and the highest customer satisfaction.
We recommend getting quotes from multiple companies to ensure you’re getting the best rate for your situation including age, risk factors, vehicles, address, and more. Pennsylvania residents should consider getting quotes from Liberty Mutual, State Farm, USAA, and Nationwide.
Frequently Asked Questions
Why is a credit score used to determine auto insurance rates in Pennsylvania?
Lower credit scores are correlated with a higher likelihood of filing claims, so auto insurance companies use credit score, driving history, where you live, and other factors to determine your insurance premiums to offset risk.
What Pennsylvania insurance company provides the best service?
Erie Insurance has the best customer service for auto insurance customers in Pennsylvania. Erie Insurance resolves claims fairly, contacts customers quickly, and has the highest customer satisfaction, according to the FIXD survey.
What is the cheapest car insurance in Pennsylvania?
On average, the cheapest car insurance companies in Pennsylvania for full coverage are AAA, Liberty Mutual, and Erie Insurance, based on the FIXD survey. Each company offers common discounts but varies in customer satisfaction.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
