Whether you’re new to the state and looking for auto insurance coverage, or you’ve lived in Pennsylvania for years and want to find out how much car insurance costs in Pennsylvania, you can find the information you need here.
Car insurance quotes in Pennsylvania vary greatly depending on a variety of factors, including the type of coverage you choose, coverage limits, your address and personal factors. Travelers offers the cheapest annual rates for full coverage car insurance in Pennsylvania at $952 per year.
This comprehensive guide to buying car insurance for Pennsylvania drivers is based on 2023 data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Pennsylvania works and how much insurance you need.
Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
Reviewed by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Table of Contents
Table of Contents
- How much is car insurance in Pennsylvania?
- Average cost of auto insurance in Pennsylvania by coverage level
- Calculate the cost of car insurance in Pennsylvania
- Estimate car insurance in Pennsylvania by car model
- Car insurance rates by age group in Pennsylvania
- Rates based on driver profile, history and habits in Pennsylvania
- Car insurance cost in Pennsylvania for high-risk drivers
- Compare car insurance quotes in Pennsylvania
- Car insurance rates by city in Pennsylvania
- How much does car insurance cost in Pennsylvania per month?
- Final thoughts on choosing car insurance in Pennsylvania
- Guide to car insurance (with rates) in cities of Pennsylvania
How much is car insurance in Pennsylvania?
In Pennsylvania, drivers pay an average of $156 monthly for full coverage car insurance, based on a 2023 rate analysis by CarInsurance.com.
Understanding the average cost of insurance can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
You might also be interested in
- Non-owner car insurance in Pennsylvania: Find affordable rates
- Liability insurance for Pennsylvania drivers
- Minimum car insurance requirements in Pennsylvania
- Pennsylvania car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Pennsylvania?
- Cheap car insurance for seniors in Pennsylvania
- Car insurance discounts in Pennsylvania; 10% potential savings
- What’s the cheapest car insurance in Pennsylvania
Average cost of auto insurance in Pennsylvania by coverage level
Auto insurance rates in Pennsylvania can differ based on the coverage limit. In Pennsylvania, drivers must abide by the minimum liability limits of 15/30/5 to legally drive on the road.
Learn about the minimum liability car insurance requirements by state
Liability-only policies are the cheapest, offering bare-bones protection that meets Pennsylvania’s financial responsibility laws – but they don’t offer much protection. Full coverage car insurance policies are the most expensive but provide much more protection, covering your own vehicles from accidents, theft, natural disasters and animal strikes. With a full coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Below are the Pennsylvania car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum Liability Only | $31 | $375 |
| 50/100/50 Liability Only | $42 | $504 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $156 | $1,872 |
State minimum car insurance in Pennsylvania
In Pennsylvania, minimum car insurance requirements include $15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident, and $5,000 of property damage liability.
The state minimum coverage in Pennsylvania costs $375 a year. But state minimum coverage isn’t much protection for drivers. Pennsylvania drivers may purchase additional coverage options, such as comprehensive and collision insurance, increase their liability limits and add personal injury protection or other endorsem*nts for extra protection.
Drivers in Pennsylvania must know the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Pennsylvania
In Pennsylvania, liability-only car insurance costs $504 for the limits 50/100/50, according to a 2023 CarInsurance.com data analysis.
This policy covers the cost of damages caused to others but not damages to the driver’s vehicle or passengers. While it is usually less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Pennsylvania
On average, premiums for full coverage car insurance in Pennsylvania costs around $1,872 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with as high of liability limits as they can afford to stay protected against unexpected events.
Full coverage car insurance policies include liability, comprehensive and collision coverage and a $500 deductible.
Calculate the cost of car insurance in Pennsylvania
A policy perfect for someone living in one ZIP code might be priced high for a driver living in another.
Different areas pose more or less risk based on factors like crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that knowledge to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Pennsylvania have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Pennsylvania Car Insurance Rates by ZIP Code
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist. Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others. Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
19133,Philadelphia, For30Year Old Male (Type: Liability - Minimum )
Average Monthly Premium
$55
Highest Rate
$71/mo
Lowest Rate
$37/mo
Compare personalized quotes from up to 20 companies in Pennsylvania now
How we researched it?
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
How do I use the calculator to get average car insurance rates?
Enter a ZIP code in the tool below to see the average premium for the location. You will also see the highest and lowest rates from the six major carriers surveyed. You can get a more customized rate by choosing from among six age groups and three coverage levels. This way you can tell if your quotes are too high and if you should keep shopping for a lower rate.
Estimate car insurance in Pennsylvania by car model
Car insurers in Pennsylvania use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may cause your rates to be higher than those that may cost less to fix.
For instance, cars like Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are on the list of the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in 2023 in Pennsylvania.
L O A D I N G
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Pennsylvania
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Pennsylvania drivers aged 30 to 60 garner the lowest average auto insurance costs across all ages at $1,837 a year.
Drivers aged 16-19 pay $3,752 more for car insurance than Pennsylvania drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,589 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,963 a year for a full coverage policy.
- For average adult drivers: Drivers aged 30 to 60 can expect to pay $1,837 per year in Pennsylvania.
- For senior drivers: Drivers 60 and older can expect to pay $1,864 per year.
Check out our detailed guide on average car insurance rates by age
Average car insurance cost in different states of U.S.
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Rates based on driver profile, history and habits in Pennsylvania
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Pennsylvania triggers higher insurance rates because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Pennsylvania, chances are you’ll see an increase in what you pay for car insurance by up to 17% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on the state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Pennsylvania after driving incidents:
- Speeding ticket: Up to 17% increase
- DUI conviction: 60% increase
- At-fault accident (bodily injury and property damage): 31% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Pennsylvania for high-risk drivers
In Pennsylvania, high-risk drivers pay more for car insurance than other drivers, as they are considered a greater risk. Factors like prior accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce the amount they must pay for premiums. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure specifically tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Average cost of car insurance in Pennsylvania for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
Average Annual Car Insurance Rate for At-fault bodily injury accident in Pennsylvania is $1,874
Show Graph View
| Company Name | Insurance Rates |
|---|---|
| Travelers | $1,378 |
| Nationwide | $1,474 |
| State Farm | $1,536 |
| Erie | $1,643 |
| Auto-Owners | $1,913 |
| Allstate | $1,940 |
| USAA | $2,213 |
| Geico | $2,221 |
| Progressive | $2,547 |
Learn more about the top 10 most important factors that affect car insurance rates
Compare car insurance quotes in Pennsylvania
Drivers in Pennsylvania can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Pennsylvania by gathering quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Pennsylvania and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $243 | $340 | $952 |
| Nationwide | $350 | $404 | $1,196 |
| Erie Insurance | $263 | $354 | $1,550 |
| Westfield Insurance | $279 | $433 | $1,872 |
| Donegal | $252 | $346 | $1,913 |
| Progressive | $556 | $775 | $2,193 |
| Geico | $355 | $587 | $2,308 |
| State Farm | $447 | $578 | $2,473 |
| Allstate | $705 | $823 | $2,503 |
| USAA | $305 | $415 | $1,806 |
Car insurance rates by city in Pennsylvania
Philadelphia is the most expensive city in Pennsylvania with an average car insurance rate of $2,782 a year. Boiling Springs is the cheapest city for Pennsylvania drivers at an average rate of $1,488 annually.
Car insurance rates vary by city in Pennsylvania for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Pennsylvania.
Average cost of car insurance in Pennsylvania by city
Select your city below to see the insurance company and its average full coverage rates.
Average Annual Rate of Car Insurance in York, PA is $1,066
Show Graph View
| Company Name | Insurance Rates |
|---|---|
| Nationwide | $736 |
| Travelers | $853 |
| Auto-Owners | $1,022 |
| Erie Insurance | $1,030 |
| State Farm | $1,062 |
| Allstate | $1,135 |
| Geico | $1,164 |
| USAA | $1,234 |
| Progressive | $1,363 |
How much does car insurance cost in Pennsylvania per month?
Car insurance in Pennsylvania costs around $156 a month on average for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount.
Ultimately, your best option will depend on your needs and circ*mstances.
| Coverage Level | Avg. Monthly Cost |
|---|---|
| State Minimum Liability Only | $31 |
| 50/100/50 Liability Only | $42 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $156 |
Final thoughts on choosing car insurance in Pennsylvania
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is key. Shop around for a good deal that provides peace of mind when hitting the open road in Pennsylvania.
Resources & Methodology
Sources
Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2024.
USAA. “How credit affects insurance premiums.” Accessed April 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to pull rates for 40-year-old male and female drivers driving a Honda Accord LX with good insurance scores and no violations on record. The analysis covered a full coverage insurance policy with limits of 100/300/100 and a 0 comprehensive and collision deductible. We analyzed 53,409,632 records across approximately 35,000 zip codes and 170 insurance companies nationwide.nationwide.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
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Guide to car insurance (with rates) in cities of Pennsylvania
Brookhaven$1,495/year
Derry$1,241/year
Easton$1,210/year
Farrell$1,150/year
Lancaster$1,108/year
Nantico*ke$1,194/year
Philadelphia$1,990/year
Pittsburgh$1,190/year
Compare top carriers in your area Get quotes near you!
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
