How much does Progressive auto insurance cost in Pennsylvania?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Pennsylvania runs about $1,525/year (~$127/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Progressive cheaper than other carriers in Pennsylvania?

Yes — Progressive typically runs about 9% below the Pennsylvania state average ($1,675/year for all carriers combined). The cheaper alternatives in Pennsylvania are typically USAA, Erie, GEICO. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the Pennsylvania minimum coverage requirements?

Pennsylvania requires at least 15/30 thousand in bodily-injury liability per person/per accident and $5K in property-damage liability. Pennsylvania is a no-fault state, so personal injury protection (PIP) is also required. Choice no-fault state. Picking full tort vs. limited tort directly affects your premium.

Does Progressive offer discounts to Pennsylvania drivers?

Progressive offers 6+ discounts that Pennsylvania drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

How much does Progressive auto insurance cost in Pennsylvania?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Pennsylvania runs about $1,525/year (~$127/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Progressive cheaper than other carriers in Pennsylvania?

Yes — Progressive typically runs about 9% below the Pennsylvania state average ($1,675/year for all carriers combined). The cheaper alternatives in Pennsylvania are typically USAA, Erie, GEICO. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the Pennsylvania minimum coverage requirements?

Pennsylvania requires at least 15/30 thousand in bodily-injury liability per person/per accident and $5K in property-damage liability. Pennsylvania is a no-fault state, so personal injury protection (PIP) is also required. Choice no-fault state. Picking full tort vs. limited tort directly affects your premium.

Does Progressive offer discounts to Pennsylvania drivers?

Progressive offers 6+ discounts that Pennsylvania drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

Progressive Auto Insurance in Pennsylvania

Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Pennsylvania for 2026 — plus the 3 cheaper alternatives most Pennsylvania drivers overlook.

Estimated annual premium

$1,525

Estimated monthly

$127

Pennsylvania state avg

$1,675

vs Pennsylvania avg

-9%

Why drivers pick Progressive

Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.

Where Progressive falls short

Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.

Pennsylvania minimum coverage requirements

Bodily Injury Liability: 15/30 thousand per person / per accident
Property Damage Liability: $5K
No-Fault State: Personal Injury Protection (PIP) coverage required

Choice no-fault state. Picking full tort vs. limited tort directly affects your premium.

Cheaper alternatives to Progressive in Pennsylvania

Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Pennsylvania. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.

USAA

Active-duty military · Veterans + military spouses + adult military kids

$1,000/yr

Save $525/yr

Erie

Drivers in Erie's 12-state footprint · Stability-first policy holders

$1,250/yr

Save $275/yr

GEICO

Clean-record drivers · Online-first shoppers

$1,275/yr

Save $250/yr

Progressive head-to-head guides

Side-by-side breakdowns of the Progressive matchups visitors compare most — premium, claims, telematics, discount stack, and the driver profile each carrier fits best.

Progressive vs. Geico

~135k US searches/mo

Progressive vs. State FARM

~49k US searches/mo

Progressive vs. Allstate

~40k US searches/mo

Progressive discounts available to Pennsylvania drivers

Snapshot (telematics)Multi-policyContinuous insuranceSign onlinePay in fullHomeowner

Progressive Pennsylvania rates by vehicle class

Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Progressive Pennsylvania estimate for each class:

+10% vs sedan

Progressive SUV insurance

Pennsylvania estimate · Toyota Highlander, Honda Pilot

+15% vs sedan

Progressive Pickup truck insurance

Pennsylvania estimate · Ford F-150, Chevy Silverado

+25% vs sedan

Progressive Electric Vehicle (EV) insurance

Pennsylvania estimate · Tesla Model 3, Tesla Model Y

Progressive Pennsylvania rates by driver profile

Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Progressive Pennsylvania estimate for each profile:

+100% vs standard

Progressive New Driver insurance

Pennsylvania · 16-24

-8% vs standard

Progressive Senior Driver insurance

Pennsylvania · 65+

+55% vs standard

Progressive SR-22 High-Risk insurance

Pennsylvania · any (SR-22 required)

-18% vs standard

Progressive Low-Mileage Driver insurance

Pennsylvania · any (<7,500 mi/yr)

Frequently asked questions

Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by Pennsylvania's state-vs-national premium index ($1,675 ÷ national average $1,789 ≈ 0.94x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).