- The average cost of car insurance in Pennsylvania is $1,872 a year or $156 per month, based on our data analysis.
- Minimum liability coverage in Pennsylvania costs around $375 annually for limits of 15/30/5, while liability-only coverage costs $504 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Pennsylvania, costing $952 per year.
- In Pennsylvania, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 17%, a DUI raising rates by 60%, and an at-fault accident by up to 31%.
The cost of car insurance in Pennsylvania varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Travelers offers the cheapest rates at $952 a year for full coverage.
This guide makes buying car insurance in Pennsylvania easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Pennsylvania works and how much coverage you need.
How much is car insurance in Pennsylvania?
In Pennsylvania, drivers pay an average of $156 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost 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.
See how rates change in Pennsylvania based on driver profile:
- Teen drivers in Pennsylvania pay the most – about $466 a month or $5,589 a year.
- Young drivers in their 20s pay an average of $258 monthly or $3,094 annually, for car insurance.
- Senior drivers pay around $155 monthly or $1,864 a year.
- A speeding ticket can increase your rates to $194 monthly or $2,330 annually.
- An at-fault accident increases car insurance rates to $252 a month or $3,028 a year.
- Poor credit drivers usually see their car insurance costs increase to $328 monthly or $3,936 annually.
Average cost of auto insurance in Pennsylvania by coverage level
In Pennsylvania, car insurance rates can differ depending on how much coverage you choose. Drivers in Pennsylvania are required by law to have minimum insurance coverage limits of 15/30/5 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Pennsylvania, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Pennsylvania for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $77 | $928 |
| Liability Only – 50/100/50 BI/PD | $101 | $1,211 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $194 | $2,327 |
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 doesn’t provide much protection for drivers. Pennsylvania drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Pennsylvania must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Pennsylvania
Liability-only car insurance costs $504 in Pennsylvania for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Pennsylvania
On average, premiums for full coverage car insurance in Pennsylvania cost $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 the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Pennsylvania
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information 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.
Calculate car insurance rates by ZIP code in Pennsylvania
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Pennsylvania by car model
Pennsylvania car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Pennsylvania.
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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Pennsylvania drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,837 annually.
Car insurance for drivers aged 16-19 costs $3,752 more annually than Pennsylvania drivers aged 30-60.
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-aged drivers: Drivers aged 30 to 60 can expect to pay $1,837 per year in Pennsylvania.
- For senior drivers: Drivers age 65 and older can expect to pay $1,864 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Pennsylvania
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Pennsylvania, a DUI conviction often results in higher premiums and you may see an increase of up to 60% as insurers perceive you as a high-risk driver.
If you get caught speeding in Pennsylvania, your car insurance rates will increase by 17% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Pennsylvania following driving incidents:
- Speeding ticket: Up to 17% increase
- DUI conviction: 60% increase
- At-fault accident (bodily injury and property damage): 31% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Pennsylvania for high-risk drivers
High-risk drivers in Pennsylvania pay more for car insurance than other drivers because they are considered riskier. Factors like 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 their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure 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.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Pennsylvania
In Pennsylvania, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Pennsylvania by getting quotes from different insurance companies.
Below are the details of Pennsylvania car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $736 | $928 | $1,770 |
| Erie Insurance | $806 | $966 | $2,044 |
| Westfield Insurance | $507 | $884 | $2,401 |
| GEICO | $871 | $1,478 | $2,403 |
| Allstate | $1,359 | $1,629 | $2,484 |
| State Farm | $1,555 | $1,809 | $2,722 |
| Progressive | $1,084 | $1,352 | $2,884 |
| USAA | $536 | $671 | $1,951 |
Car insurance rates by city in Pennsylvania
Philadelphia is the priciest city in Pennsylvania for car insurance, costing an average of $2,782 annually. On the other hand, Boiling Springs is the most affordable city, where drivers pay an average of $1,488 per year for car insurance.
Car insurance premiums differ across cities in Pennsylvania and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Pennsylvania’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Pennsylvania per month?
In Pennsylvania, a full coverage car insurance policy with 100/300/100 limits typically costs about $156 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $77 |
| Liability Only – 50/100/50 BI/PD | $101 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $194 |
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 critical. 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 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Pennsylvania. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 15/30/5.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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