Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • The cheapest car insurance company in Somerset for teen drivers is USAA
  • Average car insurance rates in Somerset, PA for senior drivers are $1,946/year
  • The cheapest car insurance company in Somerset after a DUI is USAA

Average car insurance rates in Somerset, Pennsylvania are $311 a month. But with a little research you can get a great deal from the top car insurance companies in Somerset, PA. Before you buy Somerset, Pennsylvania car insurance, make sure your coverage meets or exceeds the Pennsylvania minimum of 15/30/5.

It may even be helpful to compare Somerset car insurance rates with Pittsburgh car insurance rates, Scranton car insurance rates, or Philadelphia car insurance rates to make sure you’re getting the best Somerset, PA car insurance quotes available.

Need affordable Somerset, PA car insurance? Enter your ZIP code to compare Somerset car insurance quotes from multiple car insurance companies near you.

Somerset, PA Minimum Car Insurance Coverage

Somerset, Pennsylvania law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Somerset, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Somerset, PA Car Insurance Rates by Coverage Level

Some Somerset drivers can get by with the Pennsylvania minimum coverage of 15/30/5. Other drivers may need more. See how much your Somerset, Pennsylvania car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Somerset, Pennsylvania

Insurance Company Low Medium High
Allstate $3,762 $3,953 $4,075
GEICO $2,723 $2,948 $3,112
Liberty Mutual $5,171 $5,442 $5,611
Nationwide $2,619 $2,617 $2,525
Progressive $3,974 $4,357 $4,641
State Farm $2,651 $2,838 $2,932
Travelers $6,418 $6,341 $6,274
USAA $1,458 $1,575 $1,653

Somerset, PA Car Insurance Rates by Age, Gender, and Marital Status

Somerset, Pennsylvania car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Somerset, PA car insurance, get quotes from multiple car insurance companies in the Somerset area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Somerset, Pennsylvania

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,480 $2,480 $2,277 $2,277 $8,219 $8,219 $2,743 $2,743
GEICO $2,311 $1,998 $2,138 $1,849 $5,763 $4,994 $2,343 $2,025
Liberty Mutual $3,541 $3,541 $3,243 $3,243 $10,350 $10,350 $4,497 $4,497
Nationwide $1,760 $1,760 $1,665 $1,665 $4,950 $4,950 $1,973 $1,973
Progressive $2,691 $2,691 $2,404 $2,404 $8,738 $8,738 $3,463 $3,463
State Farm $1,734 $1,734 $1,521 $1,521 $6,069 $6,069 $1,905 $1,905
Travelers $1,449 $1,449 $1,549 $1,549 $20,628 $20,628 $1,751 $1,751
USAA $1,013 $1,013 $916 $916 $2,978 $2,978 $1,341 $1,341

Somerset, PA Car Insurance Rates for Teens

How much is Somerset, Pennsylvania car insurance for teens? Compare rates from top Somerset car insurance companies below to help find the cheapest teen car insurance in Somerset, PA.

Annual Car Insurance Rates for Teen Drivers in Somerset, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,219 $8,219
GEICO $5,763 $4,994
Liberty Mutual $10,350 $10,350
Nationwide $4,950 $4,950
Progressive $8,738 $8,738
State Farm $6,069 $6,069
Travelers $20,628 $20,628
USAA $2,978 $2,978

Somerset, PA Car Insurance Rates for Seniors

Before seniors buy Somerset, Pennsylvania car insurance, they should make sure to shop around. Some Somerset, PA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Somerset, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,277 $2,277
GEICO $2,138 $1,849
Liberty Mutual $3,243 $3,243
Nationwide $1,665 $1,665
Progressive $2,404 $2,404
State Farm $1,521 $1,521
Travelers $1,549 $1,549
USAA $916 $916

Somerset, PA Car Insurance Rates by Credit History

How does your credit history affect Somerset, PA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Somerset, Pennsylvania

Insurance Company Poor Fair Good
Allstate $5,025 $3,746 $3,019
GEICO $4,403 $2,473 $1,907
Liberty Mutual $6,902 $4,950 $4,371
Nationwide $3,037 $2,496 $2,228
Progressive $5,721 $4,019 $3,232
State Farm $3,996 $2,474 $1,952
Travelers $6,916 $6,235 $5,882
USAA $1,953 $1,450 $1,284

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Somerset, PA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Somerset, Pennsylvania car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Somerset.

Annual Somerset, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,763 $4,432 $3,763 $3,763
GEICO $2,155 $3,670 $2,887 $2,999
Liberty Mutual $4,941 $5,645 $5,523 $5,523
Nationwide $1,864 $2,494 $3,485 $2,505
Progressive $3,919 $5,419 $4,032 $3,926
State Farm $2,582 $3,032 $2,807 $2,807
Travelers $4,529 $6,402 $8,045 $6,402
USAA $1,262 $1,732 $1,845 $1,409

Somerset, PA Car Insurance Rates With a DUI

Even a single DUI can increase your Somerset, PA car insurance rates. Compare rates below to see which Somerset car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Somerset, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,763
GEICO $2,887
Liberty Mutual $5,523
Nationwide $3,485
Progressive $4,032
State Farm $2,807
Travelers $8,045
USAA $1,845

Somerset, PA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Somerset, PA car insurance rates may be. Let’s take a look at average car insurance rates from top Somerset companies based on commute time.

Annual Car Insurance Rates by Commute Length in Somerset, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,852 $4,008
GEICO $2,879 $2,977
Liberty Mutual $5,269 $5,547
Nationwide $2,587 $2,587
Progressive $4,324 $4,324
State Farm $2,725 $2,890
Travelers $6,344 $6,344
USAA $1,518 $1,606

Somerset, PA Cheapest Car Insurance Rates

How do the top Somerset, Pennsylvania car insurance companies’ average rates stack up against the Somerset average monthly car insurance rates of $311? Take a look and see.

Best Annual Car Insurance Rates by Company in Somerset, Pennsylvania

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Somerset, PA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Somerset, Pennsylvania car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Somerset, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,930
GEICO $2,928
Liberty Mutual $5,408
Nationwide $2,587
Progressive $4,324
State Farm $2,807
Travelers $6,344
USAA $1,562

Other Factors Affecting Somerset, PA Car Insurance Rates

Before you buy Somerset, Pennsylvania car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Somerset, PA Commute Time

How does your Somerset, PA commute time compare with the average driver? In Somerset, the average commute is 17.2 minutes.

Somerset, PA Car Insurance Quotes

Compare Somerset, PA car insurance quotes from multiple companies by entering your ZIP code now.