Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Travelers offers the most affordable car insurance at $952 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Pennsylvania. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to get a clear idea of how car insurance in Pennsylvania works and how much coverage you need.
- Travelers provides the most affordable annual rates for full coverage car insurance in Pennsylvania, costing $952 per year.
- In Pennsylvania, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Pennsylvania costs $375 annually for limits of 15/30/5, while liability-only coverage costs $504 per year for limits of 50/100/50.
- 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%.
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 help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Pennsylvania by coverage level
In Pennsylvania, the cost of car insurance can vary depending on how much coverage you purchase. Pennsylvania drivers need at least the minimum insurance coverage limits of 15/30/5 to legally drive.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Pennsylvania for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $31 | $375 |
| Liability Only – 50/100/50 BI/PD | $42 | $504 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $156 | $1,872 |
State minimum car insurance in Pennsylvania
Pennsylvania’s car insurance laws require a minimum coverage of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident and $5,000 in property damage liability.
The state minimum car insurance cost in Pennsylvania is $375 a year. However, this basic coverage only offers limited protection. Pennsylvania drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Pennsylvania must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Pennsylvania
According to CarInsurance.com data, liability-only car insurance costs $504 in Pennsylvania for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Pennsylvania
In Pennsylvania, you can expect to pay around $1,872 per year for full coverage car insurance 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
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Calculate the cost of car insurance in Pennsylvania
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive 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.
Pennsylvania Car Insurance Rates by ZIP Code
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 raise your rates more than those that may cost less to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Pennsylvania, a DUI conviction lead to increased rates and you may see a rate hike of up to 60% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Pennsylvania, be prepared for your car insurance rates to rise by up to 17% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider 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
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 this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Travelers | $1,250 |
| Nationwide | $1,961 |
| Erie Insurance | $2,115 |
| USAA | $2,662 |
| State Farm | $2,865 |
| Progressive | $3,379 |
| Allstate | $3,513 |
| Geico | $3,708 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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 you drive, 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 getting 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.
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.
| Company Name | Insurance Rates |
|---|---|
| Travelers | $1,076 |
| Nationwide | $1,365 |
| Erie Insurance | $1,851 |
| USAA | $1,986 |
| Westfield Insurance | $2,230 |
| Geico | $2,455 |
| Progressive | $2,678 |
| Donegal Insurance | $2,758 |
| Allstate | $2,932 |
| State Farm | $3,048 |
How much does car insurance cost in Pennsylvania per month?
The average cost of a full-coverage car insurance policy in Pennsylvania costs $156 monthly for coverage limits of 100/300/100.
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.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $31 |
| Liability Only – 50/100/50 BI/PD | $42 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $156 |
Final thoughts on choosing car insurance in Pennsylvania
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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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
Executive 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.
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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.
Guide to car insurance (with rates) in cities of Pennsylvania