Car Insurance After an Accident in Pennsylvania: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Pennsylvania increases insurance by 38%, raising full coverage from $1,824/year to $2,517/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$152/mo
After At-Fault Accident (+38%)
$210/mo
Cheapest Companies After Accident in Pennsylvania
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $155/mo | $1,863/yr | Military families |
| Erie Insurance | $166/mo | $1,988/yr | Rate lock guarantee |
| GEICO | $172/mo | $2,064/yr | Clean driving record |
| Progressive | $185/mo | $2,215/yr | Telematics savings |
| State Farm | $191/mo | $2,290/yr | Good students |
| Travelers | $199/mo | $2,391/yr | Multiple discounts |
| Nationwide | $218/mo | $2,618/yr | Bundling home + auto |
| Farmers | $227/mo | $2,718/yr | Signal telematics |
| Allstate | $235/mo | $2,819/yr | Accident forgiveness |
| Liberty Mutual | $248/mo | $2,970/yr | New car replacement |
USAACheapest
Monthly
$155/mo
Annual
$1,863/yr
Best for: Military families
Erie Insurance
Monthly
$166/mo
Annual
$1,988/yr
Best for: Rate lock guarantee
GEICO
Monthly
$172/mo
Annual
$2,064/yr
Best for: Clean driving record
Progressive
Monthly
$185/mo
Annual
$2,215/yr
Best for: Telematics savings
State Farm
Monthly
$191/mo
Annual
$2,290/yr
Best for: Good students
Travelers
Monthly
$199/mo
Annual
$2,391/yr
Best for: Multiple discounts
Nationwide
Monthly
$218/mo
Annual
$2,618/yr
Best for: Bundling home + auto
Farmers
Monthly
$227/mo
Annual
$2,718/yr
Best for: Signal telematics
Allstate
Monthly
$235/mo
Annual
$2,819/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$248/mo
Annual
$2,970/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses