There is no one-size-fits-all answer to the question of what is the most affordable car insurance option for drivers with accidents in Pennsylvania, as rates can vary significantly depending on individual factors such as age, driving history, credit score, and the specific type and amount of coverage desired. However, several companies have been identified as offering relatively low rates for drivers with accidents in Pennsylvania, including Travelers, The Hartford, USAA, Nationwide, and Erie. It is recommended that drivers with accidents compare quotes from multiple companies to find the best rate for their individual needs. Additionally, factors such as choosing a higher deductible, maintaining a good credit score, and taking advantage of available discounts can help reduce the cost of car insurance for drivers with accidents in Pennsylvania.