Best Auto Insurance for Seniors in Pennsylvania (Top 9 Companies for 2025)

The Hartford, USAA, and State Farm have the best auto insurance for seniors in Pennsylvania. USAA and State Farm have the lowest rates, but The Hartford takes our top spot with unique benefits for senior drivers.

The Hartford offers the best Pennsylvania auto insurance for seniors because of its partnership with AARP.

While you must be an AARP member to purchase coverage, seniors find low rates and unique discounts when shopping at The Hartford.

Our Top 9 Company Picks: Best Auto Insurance for Seniors in Pennsylvania

Read on to explore more options for the best car insurance in Pennsylvania for seniors. Then, enter your ZIP code into our free tool to see personalized quotes today.

#1 – The Hartford: Top Overall Pick

Pros

• AARP Partnership: The Hartford offers exclusive benefits and senior discounts to AARP members. Learn more in our review of The Hartford auto insurance.
• RecoverCare: Add The Hartford RecoverCare to cover costs for home services if senior drivers are injured in an accident.
• Lifetime Renewability: So long as you meet basic requirements, the Hartford guarantees that senior drivers can renew their policy for the rest of their lives.

Cons

• Membership Required: The Hartford only sells AARP car insurance for seniors, so you’ll need an AARP membership to purchase a policy.
• Expensive Rates: Senior auto insurance is more costly at The Hartford at $89 per month.

#2 – USAA: Best for Miltary Veterans

Pros

• Military-Focused Benefits: USAA provides specialized services and senior insurance discounts for military members and veterans.
• Exceptional Customer Service: USAA offers some of Pennsylvania’s best senior auto insurance customer service, particularly for claims handling.
• Comprehensive Coverage: With a wide range of coverage options tailored for military needs, USAA offers comprehensive senior auto insurance quotes in Pennsylvania.

Cons

• Eligibility Restrictions: Senior insurance is only available to military members and their families. See if you qualify for membership in our USAA auto insurance review.
• Limited Local Branches: Pennsylvania has fewer USAA insurance offices than other top providers.

#3 – State Farm: Best for Access to Local Agents

Pros

• Extensive Network of Local Agents: State Farm maintains a strong local presence in Pennsylvania, offering personalized service and support for senior auto insurance.
• Policy Customization Options: You can customize senior insurance with add-ons like roadside assistance and rideshare insurance. See how in our State Farm auto insurance review.
• Good Driver Discounts: Get affordable State Farm senior car insurance with multiple discounts for safe driving and vehicle safety features.

Cons

• Average Digital Experience: Tech-savvy seniors report being unimpressed with State Farm’s online tools and mobile app.
• Financial Rating Dropped: A. M. Best recently downgraded State Farm’s financial rating to a B, indicating the company may be struggling in Pennsylvania.

#4 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• Unique Coverage Options: Liberty Mutual offers add-ons for senior auto insurance that can be hard to find elsewhere. Explore your options in our Liberty Mutual auto insurance review.
• RightTrack: Senior drivers who sign up for Liberty Mutual’s usage-based insurance (UBI) program RightTrack to save up to 30% for safe driving habits.
• 24/7 Customer Support: Get the best senior car insurance experience with Liberty Mutual’s 24/7 claims support, available over the phone and online.

Cons

• Expensive Rates: Libert Mutual is a more costly senior auto insurance company.
• Limited Digital Tools: Liberty Mutual’s online tools are less user-friendly than most senior drivers.

#5 – Allstate: Best for UBI Savings

Pros

• Drivewise Program: Allstate offers one of the best UBI discounts, up to 40%, for senior drivers who sign up for Drivewise. Learn more in our Allstate auto insurance review.
• Retirement Discounts: Get the cheapest car insurance for seniors over 60 with Allstate’s special discounts for retired drivers.
• Full Coverage Options: Allstate offers a wide range of policies and add-ons to help you get the best car insurance in Pennsylvania for seniors.

Cons

• Higher Premiums: No matter what type of driver you are, Allstate is usually one of the most expensive options for senior car insurance, especially full coverage policies.
• Inconsistent Customer Service: Senior drivers with Allstate report varying experiences with customer support.

#6 – Nationwide: Best for Deductible Savings

Pros

• Vanishing Deductible Program: Earn up to $500 off your senior insurance deductible by staying claims-free. Learn how in our Nationwide auto insurance review.
• Comprehensive Coverage Options: Get the best car insurance for seniors over 70 with Nationwide’s coverage options, including gap coverage and accident forgiveness.
• Good Customer Support: Nationwide senior insurance coverage generally receives high ratings for its customer service.

Cons

• Limited Local Offices: Senior drivers who prefer speaking to a local agent will have difficulty finding Nationwide offices in Pennsylvania.
• Higher Rates for High-Risk Drivers: Some senior drivers in Pennsylvania will see higher rates from Nationwide, particularly if they have a less-than-perfect driving record.

#7 – Progressive: Best for Innovative Digital Tools

Pros

• Snapshot: Progressive’s user-friendly UBI program Snapshot makes it easy for seniors in Pennsylvania to get cheap car insurance as long as they’re safe drivers.
• Advanced Digital Tools: Find affordable Pennsylvania insurance for seniors with its user-friendly online tools, like the Name Your Price tool.
• Multiple Discounts: One way Progressive offers the cheapest car insurance in Pennsylvania is through its discount opportunities.

Cons

• Unexpected Rate Increases: Many senior drivers report that their rates unexpectedly increased despite nothing having changed about their policies.
• Customer Loyalty: Despite offering some of the best Pennsylvania auto insurance for seniors, Progressive struggles to keep its customers. See how it works in our Progressive auto insurance review.

#8 – Travelers: Best for Customer Service

Pros

• Discount Variety: Travelers offer a wide range of discounts beneficial for Pennsylvania seniors with multiple vehicles and safe driving habits.
• Superior Customer Service: Travelers isn’t just one of our cheapest car insurance recommendations in Pennsylvania – it’s also a great choice for drivers who want an excellent customer service experience.
• Financial Stability: With an A++ from A.M. Best, Travelers’ strong financial ratings ensure reliability for Pennsylvania seniors.

Cons

• Limited Coverage Options: Senior drivers earning extra cash with apps like Uber may be unable to buy rideshare insurance in Pennsylvania.
• Higher Premiums: Travelers’ senior auto insurance policies may be more expensive than some competitors. Read our Travelers auto insurance review to see how much you might pay.

#9 – Farmers: Best Selection of Pennsylvania Discounts

Pros

• Strong Local Presence: A massive network of local agents in Pennsylvania allows Farmers to offer personalized service and support for senior drivers.
• Comprehensive Support for Seniors: The company provides dedicated support and advice for seniors in Pennsylvania. See how many you might qualify for in our Farmers auto insurance review.
• Solid Customer Service Ratings: Most seniors in Pennsylvania agree that Farmers offers excellent customer service, especially for the speed of its claims handling process.

Cons

• Higher Quotes: Depending on your driving history, Farmers may be an expensive option for senior auto insurance in Pennsylvania.
• Limited Availability: Farmers sell senior insurance in Pennsylvania, but it doesn’t cover every state. If you move, you may need to find a different car insurance company.

Unlocking the Best Auto Insurance Deals for Pennsylvania Seniors

There’s significant variation between quotes from different companies. It’s helpful to look at average quotes to understand where to start your search. Check below to see senior auto insurance rates from our top providers.

Senior Auto Insurance Monthly Rates in Pennsylvania by Coverage Level & Provider

Comparing quotes from multiple companies is crucial to avoid overpaying for car insurance—without comparison, you cannot know which company has the lowest rates.

Understanding how much you might have to pay for auto insurance can be confusing. Many factors affect auto insurance rates, including gender, location, and age.

Luckily, seniors looking for the best car insurance in Pennsylvania can easily get quotes. If you’re wondering who has the best car insurance for seniors, most top companies offer quick online forms that take about 10 minutes to complete. The forms require details like your driver’s license number and vehicle information.

If you don’t want to spend the time to fill out multiple forms, you can use our free online tool to compare various insurance quotes at once.

How Seniors Can Lower Pennsylvania Auto Insurance Costs

While Pennsylvania senior car insurance rates often run on the high side, there are plenty of ways to save. Consider the following tips to lower your insurance rates:

• Lower your coverage levels.
• Increase your deductible.
• Keep your driving record clean.
• Choose the best usage-based insurance.
• Improve your credit score.

A more straightforward step to take is to look for auto insurance discounts. Most companies offer a variety of discounts to help drivers save. Finding the company that provides the most discounts you qualify for takes a little research, but the savings are worth it.

Below, we’ve compiled a list of some of the most popular senior car insurance discounts from our top companies in Pennsylvania to help you find the best auto insurance for senior citizens.

The final and most important step in saving on your insurance is to compare quotes. Skipping this crucial step guarantees you’ll overpay for senior car insurance.

Pennsylvania Auto Insurance Requirements for Seniors

The insurance requirements for seniors in Pennsylvania are the same as for every driver. Before you can drive on a Pennsylvania street, you’ll need the following:

• Bodily Injury Liability: $15,000 per person, $30,000 per accident
• Property Damage Liability: $5,000 per accident
• First Party Benefits: $5,000

Insurance companies must also offer uninsured/underinsured motorist coverage, but you can reject the coverage.

The minimum insurance requirements in Pennsylvania don’t cover damage to your car. Many senior drivers have new or collectible vehicles that would benefit from a full coverage policy. If you’re unsure what coverage would work best for you, an insurance representative can help.

Even if your car isn’t worth much, you should always carry the minimum insurance required by Pennsylvania before driving. Driving without insurance in the Keystone State can have serious consequences, including fines, license suspension, and registration suspension.

Discover the Best Car Insurance for Seniors in Pennsylvania

Now that you know how to evaluate auto insurance quotes, you’ll have a much easier time finding cheap car insurance for seniors in Pennsylvania. While it’s essential to explore multiple companies, our top picks for the best auto insurance for seniors in Pennsylvania are a great place to start when comparing coverage options.

The Hartford, USAA, and State Farm have the best car insurance for seniors in Pennsylvania. USAA is the best for military members while The Hartford caters to AARP members. All seniors qualify for State Farm auto insurance, and rates start at $25 per month.

While comparing quotes is essential, finding the best coverage can be time-consuming. If you’re wondering what is the best car insurance for seniors, researching individual websites and filling out forms can make the process even more overwhelming. Streamline the process by entering your ZIP code into our free comparison tool to skip the endless forms and save.