Top Companies in 2022 (2022)

Learn about our top picks for the best auto insurance in Pennsylvania in the following sections.

#1 Traveler: Most coverage options

JD rating: 860/1,000

AM Best financial strength rating: A++

BBB rating: A

Travelers offers a wide range of cheap auto insurance policies in 43 states and Washington, DC. The company also offers a variety of discount opportunities, including savings for purchasing multiple policies, insuring multiple vehicles, and tracking safe driving habits through IntelliDrive® usage-based program.

travel insurance

Along with the standard minimum liability insurance, collision protection, comprehensive coveragepersonal protection (PIP), Health insurance (MedPay) and uninsured driver Insurance coverage offers Travelers the following additional insurances:

  • 24/7 two-tier roadside assistance
  • Rental car refund
  • Guaranteed asset protection (gap insurance), which covers the difference between the remaining debt and the value of the car in the event of a covered total loss
  • Forgiveness of accidents and minor traffic violations
  • New car replacement coverage that helps pay for a new car if your vehicle is totaled within five years of purchase

Traveler reputation

Travelers outperformed in the Mid-Atlantic region of the JD Power 2022 Auto Insurance Study. In our nationwide auto insurance survey, the company received 4.4 out of 5.0 stars for customer service and 4.2 stars for overall customer satisfaction.

Continue reading: Review of travel insurance

#2 Nationwide: Extensive discount options

JD rating: 829/1,000

AM Best financial strength rating: A+

BBB rating: A+

Nationwide has been selling insurance products since 1926 and wrote more than $5.5 billion in auto insurance premiums in 2021 National Association of Insurance Commissioners (NAIC). We rank second among Pennsylvania auto insurance providers for our low rates, great discount opportunities, and wide range of supplemental insurance options.

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Nationwide coverage

Nationwide offers a range of add-on coverage options to complement standard offerings such as third party liability and collision damage waiver. Here are some optional protections the company offers:

  • roadside assistance
  • Rental car refund
  • gap coverage
  • Accident Forgiveness
  • Vanishing Deductible, offers $100 off your deductible for each year of safe driving, up to $500

Nationwide reputation

In our nationwide auto insurance survey, Nationwide received a 4.1 out of 5.0 star rating for overall customer satisfaction. Respondents also gave Nationwide a 4.2-star rating for customer service throughout the claims process.

However, Nationwide received subpar scores in some of JD Power’s customer satisfaction studies, including the JD Power 2022 US Insurance Shopping Study℠ and the Mid-Atlantic segment of the Auto Insurance Study. We reached out to Nationwide for comment on its underperforming ranking in JD Power studies, but received no response.

Continue reading: Nationwide insurance audit

#3 Erie Insurance: Affordable for basic coverage

JD rating: 867/1,000

AM Best financial strength rating: A+

BBB rating: A+

Erie Insurance is a solid all-round option for auto insurance in Pennsylvania. Although its policies are not available in every state, the company offers competitive rates and has a solid reputation in the industry.

Erie Insurance Coverage

Erie Insurance offers liability insurance, collision and collision damage waiver, MedPay, uninsured/underinsured motorist insurance, and PIP insurance. In addition to these standard insurance products, Erie Insurance differentiates itself from the competition by offering:

  • Pet insurance up to $500 per pet for vet bills after an accident
  • First Accident Forgiveness
  • Deductible Deductible, which can decrease your deductible by $100 each year if you don’t file a claim, up to $500
  • Rental car refund
  • new car replacement
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The company also offers Erie Rate Lock®, which sets your rate for the following year. You can also opt for the Erie Auto Plus® Package that combines a handful of policy add-ons such as

Reputation of Erie Insurance

Erie Insurance had the highest score in the Mid-Atlantic region in the JD Power Auto Insurance Study. In our auto insurance survey, the company received the second-highest overall customer satisfaction score, with a solid 4.4 stars out of 5.0. Respondents also gave Erie Insurance a 4.5-star rating for customer service throughout the claims process.

Continue reading: Review of Erie Insurance

#4 State Farm: Editor’s Choice

JD rating: 851/1,000

AM Best financial strength rating: A++

BBB rating: A+

We gave State Farm our 2022 Editor’s Choice award for their excellent industry reputation, wide range of discounts, and strong customer service. The company has slightly higher rates than some other Pennsylvania providers, but the cost of a State Farm auto insurance policy is still well below the national average for annual premiums.

State farm coverage

As the largest national insurance provider, State Farm offers standard coverage options and a wide range of add-on policies. In addition to ridesharing insurance, roadside assistance and rental car refunds, the company also offers drivers the opportunity to save money through safe driving habits through its usage-based Drive Safe & Save™ program.

state farm reputation

State Farm received a 4.2 out of 5.0 star rating for overall customer satisfaction in our national auto insurance survey. The company also holds high scores in a number of JD Power studies. It was ranked #1 among major insurers in the JD Power Insurance Shopping Study and significantly outperformed in the JD Power Auto Insurance Study in the Mid-Atlantic region.

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Continue reading: State farm insurance review

#5 USAA: Low tariffs for the military

JD rating: 881/1,000

AM Best financial strength rating: A++

BBB rating: Not rated

USAA offers below-average rates in Pennsylvania, but its auto insurance policies are only available to active-duty military personnel, veterans, and their family members. For those who qualify, the company offers solid coverage options and great customer service.

USAA coverage

USAA offers standard auto insurance products and numerous add-on policies, such as: B. Car Rental Refund, Accident Forgiveness, Roadside Assistance, Car Replacement and Classic Car Insurance. The company also offers a usage-based program called SafePilot® which rewards safe driving behavior with discounts of up to 30%.

USAA reputation

USAA is known for outstanding customer service and consistently receives high ratings in customer satisfaction surveys. In our national auto insurance survey, USAA respondents gave 4.3 stars out of 5.0 for overall customer satisfaction, which was among the highest ratings. The company also received the highest score in the Mid-Atlantic region in the JD Power Auto Insurance Study, although licensing restrictions prevented it from being officially classified.

Continue reading: USAA Insurance Review