Cheapest Teen Driver Auto Insurance in Pennsylvania for 2026 (10 Most Affordable Companies)

Allstate, State Farm, and USAA offer the cheapest teen driver auto insurance in Pennsylvania.

While Allstate is often seen as pricey, it offers the lowest teen rates in Pennsylvania at $75 per month and flexible coverage.

Our Top 10 Picks: Cheapest Teen Driver Auto Insurance in Pennsylvania

State Farm offers top student discounts, and USAA is best for military families. Compare quotes to find the best Pennsylvania auto insurance and the cheapest teen rates.

Use the Pennsylvania auto insurance guide below to find the cheapest rates for teens. When you’re ready, enter your ZIP code into our free tool to start looking at quotes.

#1 – Allstate: Top Pick Overall

Pros

• TeenSMART: Aimed at teaching teens how to avoid accidents. Allstate also gives teens a discount for completing this program, which they can keep until they turn 25.
• Teen Coverage Options: Allstate offers a variety of ways for teen drivers in Pennsylvania to get a policy. Popular coverage options include roadside assistance. See more in our Allstate auto insurance review.
• UBI Programs: Allstate has two UBI programs. With Drivewise, safe drivers can earn a discount of up to 40%, and teen drivers who drive little can get cheaper rates with Milewise.

Cons

• Claims Resolution Issues: Many Allstate customers report feeling unsatisfied with how long it took to resolve their auto insurance claim.
• Increased Premiums: It may offer cheap Pennsylvania auto insurance quotes for teens, but Allstate is usually one of the most expensive options when entire families want affordable coverage.

#2 – State Farm: Best Student Driver Discounts

Pros

• Student Discounts: Teens may access State Farm’s student discounts to help them qualify for the best Pennsylvania auto insurance plan. Explore discount options in our State Farm auto insurance review.
• Teen Safe Driver Program: State Farm Teenage Driver Program offers driving insights and a potential discount, helping teens build safe habits and save on insurance.
• Drive Safe & Save: The UBI program allows you to agree to let State Farm monitor your driving habits in exchange for a discount of up to 30%.

Cons

• Lacking Online Options: State Farm focuses on in-person sales and lacks some of its competitors’ digital tools.
• Limited Add-On Availability: Despite being the largest insurance company in the country, State Farm lacks valuable coverage options like gap insurance.

#3 – USAA: Best for Teens in Military Families

Pros

• Low Rates: USAA is consistently one of the most affordable choices for Pennsylvania auto coverage, making it simple for your whole family to find cheap coverage.
• Superb Customer Service: USAA consistently receives high customer service ratings and has a reputation for helpful, friendly representatives.
• SafePilot: Teens can save up to 30% on their Pennsylvania auto insurance rates by enrolling in the UBI program SafePilot. See if SafePilot could help you save in our USAA auto insurance review.

Cons

• No Gap Insurance: The best full coverage auto insurance in Pennsylvania typically includes gap insurance if you don’t own your vehicle outright, but USAA does not sell it.
• Eligibility Restrictions: USAA may have some of the best car insurance for 16-year-olds and other teens, but only kids in military families qualify for coverage.

#4 – Progressive: Best for Robust Digital Tools

Pros

• Robust Online Tools: Progressive offers a variety of innovative digital tools. Explore how to get cheap Pennsylvania car insurance online in our Progressive auto insurance review.
• Teen Discounts: Progressive offers 13 discounts to help you find cheap Pennsylvania auto insurance for young adults, including savings on auto insurance for teen drivers.
• Snapshot: Progressive’s UBI program Snapshot offers safe drivers a discount of up to 30%.

Cons

• Low Customer Loyalty: Plenty of drivers sign up for Progressive car insurance, but the company struggles to keep customers long-term.
• Rate Hikes: Many customers report unexpected rate increases when their Progressive policy is renewed, even though nothing has changed about their situation.

#5 – Travelers: Best for Teen Driver Support

Pros

• Teen Driver Resources: The best car insurance for 15-year-olds with a permit and older teens with licenses comes down to the right support. Travelers agents are available to answer teen questions.
• Generous Discounts: Travelers offers 17 discounts to help teens get cheap Pennsylvania auto insurance online. Explore all your discount options in our Travelers auto insurance review.
• IntelliDrive: Teens always pay more for insurance because they’re riskier drivers, but you can negate some of that risk by enrolling in IntelliDrive. IntelliDrive offers a maximum discount of 30%.

Cons

• Mixed Reviews: Although Travelers offers some of the best car insurance for 17-year-olds and other teens, not every driver is completely satisfied with their experience.
• Limited Digital Options: Travelers is a more traditional insurance provider. If you want the latest in online insurance management, Travelers may not be the right company.

#6 – Farmers: Best for Discount Availability

Pros

• Loads of Discounts: Farmers has one of the longest lists of discounts we saw, with 23 potential ways to save.
• Helpful Representatives: Farmers promises that its friendly representative will always be ready to help, especially for young drivers just getting started.
• Signal App: Save up to 30% by downloading the Signal app and signing up to participate in the Farmers’ UBI program.

Cons

• Slow Roadside Assistance: You might want roadside assistance in case your teen needs help. Farmers sells roadside assistance, but many users say the service is excessively slow.
• High Number of Complaints: Farmers receives more complaints than is expected. See what customers complain about in our Farmers auto insurance review.

#7 – Erie: Best Customer Service

Pros

• Rate Lock: Purchase a rate lock to prevent your rates from increasing later unless you make a major change to your policy.
• Excellent Customer Service: Not only does Erie offer some of the cheapest car insurance for 16-year-olds, but it also offers a stellar customer service experience.
• YourTurn: Erie offers a discount of up to 30% to drivers who sign up for the UBI program YourTurn. See if YourTurn fits your lifestyle in our Erie auto insurance review.

Cons

• Limited Discounts: Erie only offers eight discounts to help drivers find the cheapest full coverage auto insurance in Pennsylvania.
• Fewer Online Tools: It may offer some of the cheapest car insurance for 16-year-olds and other teens, but Erie isn’t always the best choice for young drivers who may benefit from more tech-savvy insurance.

#8 – Liberty Mutual: Best for Policy Customization

Pros

• RightTrack: Save up to 30% on your teen auto insurance with Liberty Mutual’s UBI program, RightTrack.
• Unique Coverage Options: It’s easy to get the best car insurance for 17-year-olds and other teens with Liberty Mutual’s add-on options. Explore your policy options in our Liberty Mutual auto insurance review.
• Young Driver Resources: It can be difficult for new drivers to navigate the ins and outs of insurance, but help from Liberty Mutual representatives is always easily accessible.

Cons

• Claims Issues: Liberty Mutual car insurance reviews frequently mention that drivers had issues with the claims resolution process.
• Elevated Costs: Liberty Mutual may offer low rates for young drivers, but older drivers will likely find better prices elsewhere.

#9 – Nationwide: Best for UBI Savings

Pros

• Telematics Programs: Nationwide offers a discount of up to 40% with the UBI program SmartRide. If you’re a low-mileage driver, you can get a pay-per-mile plan with SmartMiles.
• Solid Discounts: Nationwide offers just 11 discounts to help you save, but teens often qualify for several options.
• Optional Coverage: Get more than just no-fault Pennsylvania auto insurance requirements with Nationwide. Pick the best coverage options for you in our Nationwide auto insurance review.

Cons

• Lacking Digital Tools: Nationwide isn’t the most modern auto insurance option in Pennsylvania – it lacks many of the digital tools you can find at other companies.
• Average Premiums: You can get affordable no-fault Pennsylvania car insurance for teens at Nationwide, but most other drivers see quotes that hover around the national average.

#10 – The General: Best for High-Risk Teens

Pros

• Reliable Online Tools: It’s easy to manage your policy, make payments, and start claims with The General’s excellent mobile app and website.
• High-Risk Coverage: The General is famous for accepting high-risk drivers that other companies reject. Read our review of The General auto insurance to save money if your driving record is less than perfect
• Secondary Driver Status: Parents or guardians adding a teen to their policy can designate a teen as a secondary driver. Secondary driver status means you’ll pay much less for teen insurance.

Cons

• Bigger Deductibles: The General typically requires drivers to pay a higher deductible before coverage kicks in compared to traditional providers.
• Higher Rates: The General’s customer base is comprised of high-risk drivers who are more likely to file claims. Because of this, The General’s average rates tend to be higher.

Pennsylvania Auto Insurance Requirements for New Drivers

Pennsylvania minimum auto insurance requirements are the same for all drivers, regardless of your experience level.

Pennsylvania auto laws require all drivers to carry 15/30/5 liability insurance, $5,000 in personal injury protection coverage, and either full or limited tort, with rates varying by coverage amounts and tort options, so it’s important to compare quotes from multiple companies using just a few basic details.

Pennsylvania Auto Insurance Monthly Rates by Age, Gender & Coverage Level

It’s harder to get cheap auto insurance for 18-year-olds and other teens than it is for older drivers, but it’s not impossible.

A good place to start your search for affordable insurance is with our top companies. Check the rates below to see how much the top Pennsylvania companies for teen drivers charge for insurance on average.

Pennsylvania Auto Insurance Monthly Rates for Teens by Coverage Level & Provider

Young drivers in Pennsylvania face more driving rules than older adults, which can also complicate insurance rates. Your best course of action is to avoid infractions during your probationary period.

Getting points on your license as a teen can not only cost you your license but also make your insurance rates skyrocket.

Teen Driver Auto Insurance Rates in Pennsylvania

Finding companies with the cheapest teen auto insurance rates requires that you compare quotes with as many providers as possible. Comparing quotes is crucial because companies consider teens a much riskier prospect to insure, as they are more likely to engage in reckless driving.

To gain an understanding of how vital comparing quotes can be, check out the rates below for teens with clean driving records and those with traffic infractions. Of course, where you live plays an important role, too.

Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Driving Record

Some areas in Pennsylvania have much higher insurance rates based on traffic density, crime rates, and accidents. Take a look below to see insurance rates in Pennsylvania’s largest cities. Other factors that affect your insurance rates include your gender, marital status, credit score, and the type of car you drive.

Pennsylvania Auto Insurance Monthly Rates by Age, Gender & City

Insurance companies consider similar factors when setting rates, but each uses its own method to calculate premiums. Without comparing quotes, you could end up paying more than necessary. This is especially true for young drivers, as many providers offer plans specifically designed to provide cheap car insurance for 16-year-olds.

With the right approach, cheap car insurance for young adults is possible, especially when staying on a family plan or choosing vehicles in lower-risk categories for car insurance for teenagers.

What to Know Before Adding a Teen to Auto Insurance

Young drivers in Pennsylvania often face steep insurance costs, but the cheapest car insurance in Pennsylvania is still within reach with the right strategy. With teen rates so high, it can be difficult to afford coverage.

Luckily, parents and guardians can help teens save by adding them as drivers to their auto insurance policy. Check below to see the difference in prices when a teen is added to a family plan. Many insurers offer cheap car insurance for 19-year-olds or cheap car insurance for 23-year-olds, especially when paired with good student discounts or participation in driver safety programs.

Pennsylvania Auto Insurance Monthly Rates by Age, Gender, & Policy Type

For those just starting out, cheap auto insurance for young drivers (or cheap car insurance for new drivers) is available by choosing basic coverage options and low-risk vehicles. Before you add a teen to your policy, you should evaluate their driving skills. Your insurance rates can be affected by a teen driver for years, even if they’re no longer on your policy.

If you’re looking for the cheapest car insurance for young adults, comparing rates across multiple companies is key to finding the most affordable plan. This is especially important for those seeking cheap auto insurance for 18-year-old drivers.

Comparing Teen Auto Insurance Discounts

The cheapest car insurance in PA for new drivers often comes from companies that offer specialized discounts and flexible coverage options. Auto insurers for teen drivers and the best auto insurance for young drivers typically consider factors such as good grades, driver training, and vehicle safety.

When you need cheap auto insurance for learner’s permit drivers or licensed teens, securing affordable teen driver insurance can be challenging, but several companies offer competitive options for families. USAA teen driver policies are a strong choice for military families, providing dependable coverage at discounted rates.

For non-military households, State Farm offers various savings through its programs, including State Farm young driver discounts that help teens build safe driving habits. Check below to see which discounts young drivers might qualify for from our top companies in Pennsylvania.

Auto Insurance Discounts From Top Pennsylvania Providers for Teen Drivers

To find the cheapest car insurance for 15-year-olds and other teens, consider lowering coverage, raising the deductible, taking a driving class, and keeping a clean record. Comparing quotes from multiple companies can also help, and most sites require only basic information.

The State Farm new driver insurance cost can also be reduced through good student discounts and by adding a teen to a family policy. These savings may apply to those enrolled in the State Farm Youthful Driver program.

Whether you’re looking for car insurance for 18-year-olds or just starting to explore the cheapest auto insurance for new drivers, comparing quotes and taking advantage of these specialized programs is the best way to save.

Get the Cheapest Teen Driver Auto Insurance in Pennsylvania

Allstate, State Farm, and USAA have the cheapest teen driver car insurance in PA, but rates are always higher than average until teens reach their 20s. Whether you take advantage of auto insurance discounts or take a driver’s education course, there are plenty of ways to find the cheapest teen driver auto insurance in Pennsylvania.

Whatever steps you take, the most crucial is to compare multiple insurance quotes. Luckily, comparing quotes is simple — enter your ZIP code into our free comparison tool to get started now.