• Fri. Dec 8th, 2023

Car Auto Insurance

It's My Car Car Auto Insurance

Top Companies in 2022 (2022)


Dec 15, 2022 #Companies, #Top

Learn more about our top recommendations for the best car insurance in Pennsylvania in the sections below.

#1 Travelers: Most Coverage Options

J.D. Power rating: 860/1,000

AM Best financial strength rating: A++

BBB rating: A

Travelers offers a wide range of cheap car insurance policies in 43 states and Washington, D.C. The company also provides a host of discount opportunities, including savings for having multiple policies, insuring multiple vehicles and tracking safe driving habits through its IntelliDrive® usage-based program.

Travelers Coverage

Along with standard minimum liability insurance, collision coverage, comprehensive coverage, personal injury protection (PIP), medical payments coverage (MedPay) and uninsured motorist coverage, Travelers offers the following add-on policies:

  • Two tiers of 24-hour roadside assistance 
  • Rental car reimbursement
  • Guaranteed asset protection (gap insurance), which covers the difference between what you owe on your car and what it is worth in the event of a covered total loss
  • Accident and minor traffic violation forgiveness
  • New car replacement coverage, which helps pay for a new car if your vehicle is totaled within five years of purchase

Travelers Reputation

Travelers scored above average in the Mid-Atlantic region of the J.D. Power 2022 Auto Insurance Study. In our nationwide car insurance survey, the company received 4.4 out of 5.0 stars for customer service, as well as a 4.2-star rating for overall customer satisfaction.

Keep reading: Travelers insurance review

#2 Nationwide: Extensive Discount Opportunities

J.D. Power 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 car insurance premiums in 2021, according to the National Association of Insurance Commissioners (NAIC). We rank Nationwide second among car insurance providers in Pennsylvania thanks to its low rates, great discount opportunities and wide range of add-on policy options.

Nationwide Coverage

Nationwide offers an array of add-on coverage options to complement standard offerings such as liability insurance and comprehensive coverage. Here are a few optional protections the company offers:

  • Roadside assistance
  • Rental car reimbursement
  • Gap coverage
  • Accident forgiveness
  • Vanishing deductible, offering $100 off your deductible for each year of safe driving, up to $500

Nationwide Reputation

In our country-wide car insurance survey, Nationwide received 4.1 out of 5.0 stars for overall customer satisfaction. Respondents also gave Nationwide a 4.2-star rating for customer service during the claims process.

However, Nationwide received below-average scores in a couple of J.D. Power customer satisfaction studies, including the J.D. Power 2022 U.S. Insurance Shopping Study℠ and the Mid-Atlantic segment of the Auto Insurance Study. We reached out to Nationwide for a comment on its below-average ranking in J.D. Power studies but did not receive a response.

Keep reading: Nationwide insurance review

#3 Erie Insurance: Affordable for Basic Coverage

J.D. Power rating: 867/1,000

AM Best financial strength rating: A+

BBB rating: A+

Erie Insurance is a solid all-around option for auto coverage in Pennsylvania. Although its policies aren’t available in every state, the company offers competitive rates and has a strong industry reputation.

Erie Insurance Coverage

Erie Insurance offers liability insurance, collision and comprehensive coverage, MedPay, uninsured/underinsured motorist coverage and PIP coverage. Along with these standard insurance products, Erie Insurance stands out from the competition by offering:

  • Pet coverage of up to $500 per pet for vet bills after an accident
  • First accident forgiveness
  • Diminishing deductible, which can decrease your deductible by $100 each year you don’t file a claim, up to $500
  • Rental car reimbursement
  • New car replacement

The company also features Erie Rate Lock®, which locks in your rate for the following year. You can also opt for the Erie Auto Plus® package, which combines a handful of policy add-ons such as a $10,000 death benefit and higher limits for transportation expenses when you have a covered breakdown far from home.

Erie Insurance Reputation

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

Keep reading: Erie Insurance review

#4 State Farm: Editor’s Choice

J.D. Power rating: 851/1,000

AM Best financial strength rating: A++

BBB rating: A+

We gave State Farm our Editor’s Choice designation for 2022 due to its excellent industry reputation, wide assortment of discounts and strong customer service. The company has slightly higher rates than some other providers in Pennsylvania, 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 broad range of add-on policies. Along with rideshare insurance, roadside assistance and rental car reimbursement, the company also gives drivers the chance to save money with safe driving habits through the Drive Safe & Save™ usage-based program.

State Farm Reputation

State Farm received a 4.2 out of 5.0-star rating for overall customer satisfaction in our national car insurance survey. The company also holds high scores in a number of J.D. Power studies. It ranked first for large insurers in the J.D. Power Insurance Shopping Study and scored comfortably above average in the Mid-Atlantic region of the J.D. Power Auto Insurance Study.

Keep reading: State Farm insurance review

#5 USAA: Low Rates for Military

J.D. Power rating: 881/1,000

AM Best financial strength rating: A++

BBB rating: Not rated

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

USAA Coverage

USAA offers standard auto insurance products and plenty of add-on policies, such as rental car reimbursement, accident forgiveness, roadside assistance, car replacement assistance and classic car insurance. The company also features a usage-based program called SafePilot® that rewards safe driving habits with discounts of up to 30%.

USAA Reputation

USAA is known for standout customer service and consistently receives high ratings in customer satisfaction surveys. In our national car insurance survey, respondents gave USAA 4.3 out of 5.0 stars for overall customer satisfaction, which was among the highest scores. The company also received the highest score in the Mid-Atlantic region in the J.D. Power Auto Insurance Study, although eligibility restrictions prevented it from being formally ranked.

Keep reading: USAA insurance review


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