Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Pennsylvania Average car insurance cost in Pennsylvania The average premium for car insurance in Pennsylvania is $1,872 per year or $156 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you’re looking for car insurance rates in Pennsylvania, the average annual premium is $1,872, per year or $156 monthly. This contrasts with the national average of $1,682, highlighting a variation of $23. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location. This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Pennsylvania, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Summary of average car insurance cost in PennsylvaniaAverage annual cost $1,872Average per month cost $156Average cost for state minimum coverage $375 / YearCheapest car insurance company Travelers($952 / Year)Average cost for young drivers $3,094 / YearAverage cost for Senior drivers $1,864 / Year Key Takeaways The average car insurance cost in Pennsylvania is $1,872 per year, based on Insure.com’s analysis. In Pennsylvania, the average premium for car insurance is $156 per month. Travelers has the cheapest car insurance rates in Pennsylvania, at an average annual rate of $952 a year. Average car insurance cost in Pennsylvania per month In Pennsylvania, the monthly rate for car insurance is $156. This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Pennsylvania, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price. Cheapest car insurance companies in Pennsylvania The table below lists the other available car insurance companies which offer car insurance in Pennsylvania, along with their average cost per month and average annual cost. Company nameAverage per month costAverage annual costTravelers$79$952Nationwide$100$1,196Erie Insurance$129$1,550Westfield Insurance$156$1,872Donegal Insurance$159$1,913Progressive$183$2,193Geico$192$2,308State Farm$206$2,473Allstate$209$2,503USAA$151$1,806 Read our guide to cheap car insurance companies Pennsylvania car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Pennsylvania Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,079/Year OR $173/month Pennsylvania Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in Pennsylvania The extent of coverage you opt for directly influences the cost of car insurance in Pennsylvania. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage. Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Pennsylvania would be $504. As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Pennsylvania amounts to $1,872. For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Pennsylvania, the average annual cost for non-owner state minimum liability coverage stands at $263. For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $375 annually in Pennsylvania. Coverage limitsAverage annual costState Minimum BI/PD$375Liability Only – 50/100/50 BI/PD$504Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,872Non-Owners$263 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Pennsylvania by cityAllentownEriePhiladelphiaPittsburghReadingAverage car insurance cost in Pennsylvania by city Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code. The table below depicts the top popular cities in Pennsylvania: CityAverage annual costAllentown$2,003Bethlehem$1,805Erie$1,895Harrisburg$1,691Lancaster$1,763Philadelphia$2,782Pittsburgh$1,933Reading$1,942Scranton$1,935York$1,647 Average car insurance cost in Pennsylvania by age of the driver Age plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Pennsylvania, the average annual rate for young drivers is $3,094, whereas for seniors, it is $1,864. The rate for young drivers exceeds that of senior drivers by $1,230. Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities. Average car insurance cost in Pennsylvania for young drivers In Pennsylvania, the auto insurance premium for female young drivers averages at $3,090 annually, or $257 monthly, while male young drivers face a yearly rate of $3,099, or a monthly average of $258. The average annual rates for young male and female drivers are listed in the table below: Age of driverAverage annual cost20$3,775 21$3,228 22$3,004 23$2,820 24$2,639 Average car insurance cost in Pennsylvania for senior drivers In Pennsylvania, the annual car insurance cost for senior female drivers is $1,864 or $155 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,864 per year, with a monthly average of $155. Age of driverAverage annual cost65$1,678 70$1,833 75$2,081 Read more about senior car insurance. Minimum car insurance requirements in Pennsylvania Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Pennsylvania Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Pennsylvania: Bodily injury per person: $15,000 Bodily injury per accident: $30,000 Personal property coverage per person: $5,000 Cheapest cars to insure in Pennsylvania The Honda HR-V has the most affordable average annual insurance premium, standing at $1,684. The Volkswagen Taos is followed closely at $1,726 per year. The difference in the cost of insuring these two models is $42 annually. MakeModelAverage annual premiumHondaHR-V$1,684VolkswagenTaos$1,726ChevroletTrailBlazer$1,731BuickEncore GX$1,740ToyotaCorolla Cross$1,746MazdaCX-30$1,751HyundaiVenue$1,769SubaruCrosstrek$1,776HondaCR-V$1,778VolkswagenTiguan$1,780 Most expensive cars to insure in Pennsylvania Topping the list as the most expensive car to insure is the Maserati Quattroporte Trofeo, at an average annual premium of $5,343. Notably, the annual difference between the least and most expensive cars to insure amounts to $3,659. MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$5,343MaseratiQuattroporte$5,329PorscheTaycan Turbo$5,171MaseratiGhibli Trofeo$5,031TeslaModel S Plaid$5,015MaseratiLevante Trofeo$4,745TeslaModel 3 Performance$4,597TeslaModel X Plaid$4,507BMWM8$4,506PorscheTaycan$4,497 Methodology The Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits: The quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Pennsylvania Non-owner car insurance in Pennsylvania Average renters insurance cost in Pennsylvania Average homeowners insurance cost in Pennsylvania Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Pennsylvania per monthCheapest car insurance companies in PennsylvaniaAverage cost of car insurance by coverage levels in PennsylvaniaAverage car insurance cost in Pennsylvania by cityAverage car insurance cost in Pennsylvania by age of the driverMinimum car insurance requirements in PennsylvaniaCheapest cars to insure in PennsylvaniaMost expensive cars to insure in PennsylvaniaMethodology ZIP Code Please enter valid ZIP See rates