Car insurance premiums in Pennsylvania can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Pennsylvania by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Pennsylvania
Our analysis shows that the Honda HR-V and the Honda CR-V have the lowest average insurance costs in Pennsylvania, with Volkswagen Tiguan and Ford Ranger close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Pennsylvania and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $1,026 |
| Honda CR-V | $1,048 |
| Volkswagen Tiguan | $1,048 |
| Ford Ranger | $1,065 |
| Mini Cooper Countryman JCW | $1,073 |
| Subaru Outback | $1,073 |
| Subaru Impreza | $1,083 |
| Volkswagen Taos | $1,086 |
| Honda Odyssey | $1,092 |
| Mazda CX-5 | $1,093 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Pennsylvania
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Pennsylvania
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $1,125 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Volkswagen Jetta, which costs $1,145, and the Honda Civic Sedan, which costs $1,165 to insure.
Below, you’ll find the most affordable sedans to insure in Pennsylvania and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,125 |
| Volkswagen Jetta | $1,145 |
| Honda Civic Sedan | $1,165 |
| Nissan Versa | $1,184 |
| Volkswagen Jetta GLI | $1,219 |
| Honda Accord | $1,219 |
| Kia Forte | $1,233 |
| Nissan Sentra | $1,239 |
| Toyota Camry | $1,262 |
| Chevrolet Malibu | $1,277 |
| Toyota Corolla | $1,281 |
| Mazda 3 Sedan | $1,282 |
| Hyundai Elantra | $1,302 |
| Nissan Altima | $1,306 |
| Mitsubishi Mirage G4 | $1,307 |
| Hyundai Sonata | $1,428 |
| Kia K5 | $1,432 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Pennsylvania
The Honda HR-V and Honda CR-V have the lowest car insurance rates, at $1,026 and $1,048, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $1,026 |
| Honda CR-V | $1,048 |
| Volkswagen Tiguan | $1,048 |
| Volkswagen Taos | $1,086 |
| Mazda CX-5 | $1,093 |
| Subaru Forester | $1,093 |
| Honda Pilot | $1,096 |
| Toyota RAV4 | $1,096 |
| Chevrolet Equinox | $1,098 |
| Subaru Crosstrek | $1,106 |
| Hyundai Kona | $1,107 |
| Buick Encore GX | $1,123 |
| Honda Passport | $1,124 |
| Hyundai Tucson | $1,126 |
| Mazda CX-30 | $1,127 |
| Toyota Corolla Cross | $1,133 |
| Subaru Ascent | $1,137 |
| Chevrolet Trax | $1,143 |
| Mini Cooper Countryman | $1,144 |
| Volkswagen Atlas | $1,149 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Pennsylvania
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,215.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,215 |
| Honda Civic Si | $1,309 |
| Chevrolet Camaro | $1,373 |
| Subaru BRZ | $1,434 |
| Subaru WRX | $1,492 |
| Honda Civic Type R | $1,506 |
| Ford Mustang | $1,534 |
| Toyota GR86 | $1,557 |
| Porsche 718 Boxster | $1,617 |
| BMW Z4 | $1,633 |
| Toyota GR Corolla | $1,677 |
| Toyota GR Supra | $1,683 |
| Chevrolet Corvette | $1,730 |
| Chevrolet Camaro ZL1 | $1,774 |
| Porsche 718 Cayman | $1,870 |
| Jaguar F-Type | $2,095 |
| Chevrolet Corvette Z06 | $2,234 |
| Porsche 911 | $2,352 |
| Nissan Z | $2,386 |
| Porsche 911 Turbo | $2,426 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Pennsylvania
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Mercedes-Benz GLA-Class is the cheapest luxury car to insure, with an average cost of $1,212 for a full coverage six-month policy. It is followed by the Cadillac XT5 ($1,248) and Acura RDX ($1,252).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Mercedes-Benz GLA-Class | $1,212 |
| Cadillac XT5 | $1,248 |
| Acura RDX | $1,252 |
| Audi Q3 | $1,253 |
| Volvo XC40 | $1,260 |
| Cadillac XT4 | $1,265 |
| Acura MDX | $1,282 |
| BMW X2 | $1,308 |
| BMW X3 | $1,316 |
| Mercedes-Benz GLB-Class | $1,319 |
| Lincoln Corsair | $1,323 |
| Alfa-Romeo Tonale | $1,327 |
| Land Rover Discovery Sport | $1,330 |
| Infiniti QX50 | $1,334 |
| Lexus RX | $1,339 |
| Jaguar E-Pace | $1,373 |
| Porsche Macan | $1,379 |
| Audi Q5 | $1,388 |
| Audi A3 | $1,392 |
| Lexus NX | $1,403 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Pennsylvania
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $3,456 a year or $288 a month.
Below is a list of the most affordable EVs to insure in Pennsylvania for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,135 |
| Volkswagen ID.4 | $1,289 |
| Hyundai Kona Electric | $1,306 |
| Subaru Solterra | $1,311 |
| Kia Niro EV | $1,314 |
| Chevrolet Silverado EV | $1,322 |
| Nissan Leaf | $1,354 |
| Chevrolet Blazer EV | $1,428 |
| Toyota bZ4X | $1,471 |
| Genesis Electrified GV70 | $1,485 |
| Kia EV9 | $1,488 |
| Audi Q4 e-tron | $1,496 |
| Hyundai Ioniq 5 | $1,498 |
| Volvo C40 Recharge | $1,517 |
| Jaguar I-Pace | $1,518 |
| Volvo XC40 Recharge | $1,523 |
| Ford Mustang Mach-E | $1,528 |
| Toyota Mirai | $1,529 |
| Mercedes-Benz EQB | $1,561 |
| Hyundai Ioniq 6 | $1,567 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Pennsylvania
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda HR-V costs an average of $2,898 to insure for an 18-year-old driver, whereas a Subaru Outback costs an average of $2,912 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Pennsylvania?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,135 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,289 for the Volkswagen ID.4 for the same coverage.
Which SUVs are the cheapest to insure in Pennsylvania?
In Pennsylvania, insuring a Honda HR-V SUV costs about $1,026 for six months, making it one of the most affordable options. The Honda CR-V and Volkswagen Tiguan also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Pennsylvania?
The Honda HR-V, Subaru Outback, Subaru Crosstrek and Hyundai Venue are some of the cheapest cars to insure for 18-year-olds in Pennsylvania. However, insuring models such as the Maserati Quattroporte, Nissan GT-R and Porsche Taycan can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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