Pennsylvania Auto Insurance (2026): Progressive Preferred Insurance filed +6.2% effective 2025-02-01
As of May 2026, Rate Authority's analysis of Pennsylvania auto insurance rate filings draws on Rate Authority (NAIC 2023 baseline + 0 DOI filings). Source: Rate Authority, May 2026.
Last updated May 2026 · Rate Authority.
Pennsylvania auto insurance: 4 carrier rate filings tracked. Most recent notable: Progressive Preferred Insurance filed +6.2% effective 2025-02-01 (filing PA-OIC-2025-AUTO-00401). Median change across all 4 filings: +7.6% (range +5.4% to +9.8%). The 2023 NAIC state-average baseline is $106/mo (Rate Authority, May 2026) for reference.
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Recent Pennsylvania auto rate filings
Rate Authority tracks every carrier rate filing in Pennsylvania daily. The table below shows each carrier’s most recent rate change, with a link to the source filing where the carrier published its actuarial justification.
| Carrier | Rate Change | Effective | Filing ID | Source |
|---|---|---|---|---|
| Progressive Preferred Insurance | +6.2% | 2025-02-01 | PA-OIC-2025-AUTO-00401 | State DOI |
| Allstate Insurance Company | +9.8% | 2024-10-01 | PA-OIC-2024-AUTO-02180 | State DOI |
| GEICO General Insurance Company | +5.4% | 2024-07-01 | PA-OIC-2024-AUTO-01590 | State DOI |
| State Farm Mutual Auto Insurance | +7.6% | 2024-04-01 | PA-OIC-2024-AUTO-01101 | State DOI |
Why rates in Pennsylvania look the way they do
Pennsylvania is one of only two states (with NJ) offering a tort election — “limited tort” can save 15-25% on premium but waives most pain-and-suffering claims unless the injury crosses the law’s threshold.
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
A few state-specific dynamics worth knowing:
- Tort election: choosing limited tort waives pain-and-suffering claims below the statutory threshold.
- Erie Insurance is a top-5 carrier statewide; rare for a regional carrier to compete at that scale.
Best Pennsylvania auto insurance by driver profile
The “best” auto carrier in Pennsylvania depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 0 recent filings + the 2023 NAIC baseline.
Best for low-rate shoppers in Pennsylvania: Geico (most recent filed baseline ranks lowest). Get an actual quote in 60 seconds with Sage.
Best for high-asset households in Pennsylvania: USAA (members only) and Travelers offer higher-limit options most carriers do not write at scale. For households above $500K in assets, Sage routes to umbrella-eligible carriers first.
Best for drivers with claims history or SR22 needs in Pennsylvania: Progressive and The General specialize in nonstandard auto in this state. These carriers write profiles other carriers decline.
Best for younger drivers (under 25) in Pennsylvania: Geico and State Farm typically file the lowest under-25 rates after the parent-policy discount is applied.
Pennsylvania auto insurance — what affects your rate
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
The four factors that drive your specific rate the most: ZIP code (theft + claim density), age (under 25 and over 70 pay materially more), vehicle (repair-cost class and theft rate), and driving record (one at-fault accident or moving violation typically lifts a rate 20-40%).
Minimum auto insurance required in Pennsylvania
$15,000 BI per person / $30,000 per accident / $5,000 PD (15/30/5). Pennsylvania offers a “limited tort” election that lowers premiums but waives most pain-and-suffering claims.
Frequently asked: Pennsylvania auto insurance
How much does auto insurance cost in Pennsylvania?
The 2023 NAIC published average is $1,273/year (about $106/mo). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).
Why are Pennsylvania auto insurance rates what they are?
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
How can I lower my Pennsylvania auto insurance bill?
The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Compare quotes in 60 seconds: Compare quotes
How Rate Authority sources this data
Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.
- State Department of Insurance / SERFF filings — public rate filings. Filings appear within days of carrier submission.
- NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
- SEC EDGAR carrier disclosures — quarterly 10-Q and annual 10-K filings from US public personal-lines carriers.
Methodology: /methodology/rate-authority/
(Source: Rate Authority, May 2026.)
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