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25 Years of insurance experience
57M Quotes reviewed
136 Insurance providers evaluated
34.5K ZIP codes analyzed

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 $1,895, 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.

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

According to Insure.com’s rate analysis, Travelers offers the most affordable car insurance premiums in Pennsylvania. The average annual cost is $952, or $79 per month. The second-best option available is Nationwide, offering insurance at an average cost of $100 per month.

The table below lists the other available car insurance companies that offer car insurance in Pennsylvania, along with their average cost per month and average annual cost.

Affordable car insurance providers in Pennsylvania

Graph
Table
Company nameAverage per month costAverage annual cost
Travelers$79$952
Nationwide$100$1,196
Erie Insurance$129$1,550
Westfield Insurance$156$1,872
Donegal Insurance$159$1,913
Progressive$183$2,193
Geico$192$2,308
State Farm$206$2,473
Allstate$209$2,503
USAA$151$1,806

Read our guide to cheap car insurance companies

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 select determines car insurance costs in Pennsylvania. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.

Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Pennsylvania amounts to $504.

Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Pennsylvania stands at $1,872.

Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Pennsylvania, the average annual cost for non-owner state minimum liability coverage stands at $263.

Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $375 in Pennsylvania.

1State minimum:$375
2Liability only:$504
3Full coverage:$1,872
4Non-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 city

Average 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 cost
Allentown$2,003
Bethlehem$1,805
Erie$1,895
Harrisburg$1,691
Lancaster$1,763
Philadelphia$2,782
Pittsburgh$1,933
Reading$1,942
Scranton$1,935
York$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

Age of driver Average annual cost
20 $3,775
21 $3,228
22 $3,004
23 $2,820
24 $2,639

Average car insurance cost in Pennsylvania for senior drivers

Age of driver Average annual cost
65 $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

According to Insure.com data study, Honda HR-V has the lowest premium of $1,684. 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 premium
HondaHR-V$1,684
VolkswagenTaos$1,726
ChevroletTrailBlazer$1,731
BuickEncore GX$1,740
ToyotaCorolla Cross$1,746
MazdaCX-30$1,751
HyundaiVenue$1,769
SubaruCrosstrek$1,776
HondaCR-V$1,778
VolkswagenTiguan$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 premium
MaseratiQuattroporte Trofeo$5,343
MaseratiQuattroporte$5,329
PorscheTaycan Turbo$5,171
MaseratiGhibli Trofeo$5,031
TeslaModel S Plaid$5,015
MaseratiLevante Trofeo$4,745
TeslaModel 3 Performance$4,597
TeslaModel X Plaid$4,507
BMWM8$4,506
PorscheTaycan$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.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
Arizona$1,812/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maryland$1,746/Year
Maine$1,175/Year
Michigan$2,352/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oklahoma$2,138/Year
Oregon$1,678/Year
Rhode Island$2,061/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Tennessee$1,677/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
Wyoming$1,758/Year
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