Car Insurance with Bad Credit in Pennsylvania (2026)
Quick Answer
Bad credit in Pennsylvania increases car insurance by 54%, raising full coverage from $1,824/year to $2,809/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$152/mo
Poor Credit (1.54x)
$234/mo
Best Companies for Bad Credit in Pennsylvania
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $173/mo | $2,079/yr | Military families |
| Erie Insurance | $185/mo | $2,219/yr | Rate lock guarantee |
| GEICO | $192/mo | $2,303/yr | Clean driving record |
| Progressive | $206/mo | $2,472/yr | Telematics savings |
| State Farm | $213/mo | $2,556/yr | Good students |
| Travelers | $222/mo | $2,669/yr | Multiple discounts |
| Nationwide | $243/mo | $2,921/yr | Bundling home + auto |
| Farmers | $253/mo | $3,034/yr | Signal telematics |
| Allstate | $262/mo | $3,146/yr | Accident forgiveness |
| Liberty Mutual | $276/mo | $3,315/yr | New car replacement |
USAACheapest
Monthly
$173/mo
Annual
$2,079/yr
Best for: Military families
Erie Insurance
Monthly
$185/mo
Annual
$2,219/yr
Best for: Rate lock guarantee
GEICO
Monthly
$192/mo
Annual
$2,303/yr
Best for: Clean driving record
Progressive
Monthly
$206/mo
Annual
$2,472/yr
Best for: Telematics savings
State Farm
Monthly
$213/mo
Annual
$2,556/yr
Best for: Good students
Travelers
Monthly
$222/mo
Annual
$2,669/yr
Best for: Multiple discounts
Nationwide
Monthly
$243/mo
Annual
$2,921/yr
Best for: Bundling home + auto
Farmers
Monthly
$253/mo
Annual
$3,034/yr
Best for: Signal telematics
Allstate
Monthly
$262/mo
Annual
$3,146/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$276/mo
Annual
$3,315/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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