Best Car Insurance for Teens In Pennsylvania 2025

When it comes to finding the best car insurance for teens in Pennsylvania, GEICO stands out as the top choice.

In this article, we’ll compare the top-rated insurance companies for teen drivers in Pennsylvania, helping you find the best coverage at an affordable price. Without the right insurance, teens face the risk of higher premiums and inadequate protection.

Best Car Insurance For Teenagers In Pennsylvania

To find the best car insurance companies for teenagers, we looked beyond price, as it is far from the only factor that matters when selecting a good insurer. We looked at teen safe driving programs, available discounts, and coverage options.

GEICO and Nationwide are two of the best insurance companies for teens in Pennsylvania, with average annual premiums of $4,932 and $4,440.

Cheapest Teen Car Insurance Companies In Pennsylvania

Erie is the cheapest car insurance company for teenage drivers in Pennsylvania, with an average annual premium of $3,024.

Average Cost Of Car Insurance For Teens On Their Parents’ Policy

Remaining on your parents’ insurance policy can be a great way to bring down your teen’s car insurance premium.

Here are the average annual premiums for teens who remain on their parents’ policy, on full coverage policies.

Average Cost Of Car Insurance For Teens On Their Own Policy

Teenagers under the age of 18 usually can’t get their own auto insurance policy. While it’s generally cheaper for teens to remain on their parents’ policy, teenagers who live at a different address from their parents may need to purchase their own policy.

Here are the average annual full-coverage rates for teens on their own policies in Pennsylvania.

How To Get Cheap Car Insurance For Teens In Pennsylvania

Finding affordable car insurance for teenage drivers in Pennsylvania can be difficult, but there are several strategies families can use to reduce costs while keeping coverage strong.

Shop Around For Quotes

Compare rates from multiple insurers. Companies like State Farm and USAA often provide competitive options for young drivers in Pennsylvania.

Add To An Existing Policy

Including your teen on a family policy is usually more affordable than purchasing a separate plan.

Bundle Policies

Combine auto insurance with homeowners or renters coverage to unlock multi-policy discounts that lower premiums.

Assess Driving Habits

Evaluate how often and how far your teen drives. Low-mileage drivers may benefit from usage-based programs such as GEICO’s DriveEasy or Allstate’s Milewise®.

Ask About Discounts

Look into available savings, including good student discounts, safe driving rewards, and accident-free incentives.

Choose A Higher Deductible

Opting for a higher deductible can reduce monthly premiums, but make sure the amount is manageable if a claim arises.

Consider Usage-Based Insurance

Pay-per-mile and telematics programs are excellent for teens who drive infrequently, offering savings tied directly to safe driving behavior.

Enroll In A Safe Driving Course

Defensive driving classes improve skills and may qualify teens for reduced insurance rates.

Review And Update Regularly

As your teen gains experience, revisit the policy. Improved driving records and milestones may qualify them for additional discounts over time.

Why Is Car Insurance So Expensive For Teens?

Teenagers often face some of the highest car insurance premiums because insurers view them as a high-risk group. Limited driving experience, higher accident rates, and costly claims all contribute to the elevated costs.

Lack Of Driving Experience

New drivers have not yet developed the skills needed to handle complex road situations. This inexperience makes them more prone to mistakes that can lead to accidents.

Higher Accident Rates

Data shows that teens, especially young males, are involved in more crashes than older drivers. Risky behaviors such as speeding, distracted driving, and failing to wear seat belts increase the likelihood of accidents.

Greater Severity Of Accidents

When teens are involved in collisions, the damage is often more severe. Inexperience in handling dangerous scenarios can result in higher claim costs.

Immaturity And Risky Decisions

Teen drivers are still developing judgment and decision-making skills. Poor choices, such as texting while driving or taking unnecessary risks, raise the chances of accidents.

Expensive Claims

Repairing modern vehicles and covering medical expenses after an accident can be costly. Since teens are statistically more likely to file claims, insurers offset this risk with higher premiums.

Limited Credit History

Insurance companies often factor in credit history when setting rates. Teens typically have little or no credit record, which prevents them from qualifying for lower premiums tied to strong credit scores.

How Can I Add A Teen To My Car Insurance Policy?

Adding a teenage driver to your car insurance policy is an important step, and doing it correctly can help balance affordability with adequate protection. Here’s a clear process to follow:

Notify Your Insurance Company

• Contact your insurer as soon as your teen receives a learner’s permit or driver’s license.
• Provide details such as their license number, date of birth, and any driving history. Some companies require immediate notification, while others allow you to wait until they are fully licensed.

Review Coverage Options

• Examine your current policy to see if adjustments are needed. Adding a teen often increases premiums, so ensure your coverage is sufficient.
• Consider higher liability limits or adding collision and comprehensive coverage if your teen will drive a newer or more valuable car.

Ask About Discounts

• Many insurers offer savings for teens, including good student discounts, safe driving incentives, and reduced rates for completing driver’s education.
• Bundling auto insurance with homeowners or renters coverage can also lower costs.

Evaluate Premium Changes

• Request a quote to understand how much your rates will rise after adding your teen.
• Compare quotes across insurers to find the most competitive option.
• Raising your deductible can reduce premiums, but make sure it’s an amount you can comfortably pay if needed.

Formalize The Addition

• Once you’ve chosen the right coverage and applied available discounts, officially add your teen to the policy.
• Your insurer will update the documents to reflect the new driver.

Educate Your Teen On Safe Driving

• Stress the importance of safe driving habits. A clean record helps keep insurance costs manageable.
• Defensive driving courses can improve skills and may qualify for further discounts.

Review The Policy Regularly

• Revisit the policy each year as your teen gains experience.
• Look for new discounts or adjust coverage as their driving habits change.

Car Insurance Discounts For Teens

Teen drivers in Oregon can take advantage of several discounts to help reduce the high cost of car insurance. Insurers reward safe driving, academic achievement, and responsible habits with lower premiums.

• Safe Driver Programs. Programs such as State Farm’s Steer Clear® and GEICO’s DriveEasy encourage teens to practice safe driving. These often involve monitored driving through apps or courses and can lead to significant savings.
• Good Student Discount. Maintaining at least a B average or a 3.0 GPA can qualify teens for reduced rates. Insurers often associate academic responsibility with safer driving behavior.
• Bundling Discount. Families can save by adding a teen to an existing auto policy or by combining auto insurance with homeowners or renters coverage.
• Accident-Free Discount. Teens who avoid accidents over a set period may qualify for this discount, rewarding consistent safe driving.
• Driver’s Education Discount. Completing a certified driver’s education course demonstrates safe driving skills and can lower premiums.
• Low Mileage Discount. Young drivers who only use their cars occasionally, such as commuting to school or work, may benefit from low mileage savings.
• Student Away at School Discount. If a teen attends college more than 100 miles from home and rarely drives, insurers may offer discounts since the car is used less frequently.
• Safe Driving Discount. Teens who maintain a clean record without traffic violations or accidents can qualify for reduced rates.
• Usage-Based Insurance Programs. Options like Progressive’s Snapshot® or Allstate’s Drivewise® track driving behavior. Teens who consistently drive safely can earn discounts through these monitored plans.
• Early Signing Discount. Some insurers provide savings when families renew or sign up for a policy before the current one expires.
• Good Driver Discount. Teenagers who have held a license for several years and maintained a clean record may qualify for this reward.

Compare Teen Car Insurance Costs To Other States