Being a new driver in Pennsylvania comes with the excitement of freedom—but also the challenge of high insurance rates. Since insurers see inexperience as a risk factor, premiums are often steep at the beginning. However, there are ways to find cheap car insurance for new drivers in Pennsylvania if you know what to look for.

Start by considering usage-based or telematics programs, where your premium is based on how safely you drive. Many companies reward good behavior like smooth braking, low mileage, and safe speeds. You can also cut costs by opting for a modest vehicle, increasing your deductible, or maintaining good grades if you're a student.