Car insurance costs in Pennsylvania vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Travelers offers the cheapest annual rates for full coverage car insurance in Pennsylvania at $952 annually.
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 learn how car insurance works in Pennsylvania and how much you need.
- 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%.
How much is car insurance in Pennsylvania?
CarInsurance.com data found that drivers in Pennsylvania pay $156 monthly for full coverage car insurance.
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.
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, 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 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 | 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 laws mandate that all drivers carry insurance with minimum liability limits of $15,000 for bodily injury liability per person, $30,000 for bodily injury liability per accident and $5,000 for property damage liability.
In Pennsylvania, you can get state minimum car insurance for $375 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Pennsylvania must purchase the minimum required car insurance to operate their vehicles on the road.
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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, people living in higher-risk neighborhoods of Pennsylvania have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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 ( Liability - Minimum)
Estimate car insurance in Pennsylvania by car model
In Pennsylvania, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
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.
Car insurance companies know teen drivers are less experienced and riskier to insure. Pennsylvania drivers aged 30 to 60 have the lowest average auto insurance rates at $1,837 annually.
Drivers aged 16-19 pay $3,752 more for car insurance than Pennsylvania drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,837 annually in Pennsylvania.
- For senior drivers: Drivers aged 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.
Similarly, if you get a speeding ticket in Pennsylvania, you’ll likely see an increase in your car insurance premium by up to 17% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company 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
In Pennsylvania, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or 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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Compare the best car insurance options in Pennsylvania by getting quotes from different insurance companies.
In the table below, see an overview of various car insurance companies in Pennsylvania, along with 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 Pennsylvania’s most expensive city for car insurance at an average cost of $2,782 annually. Boiling Springs is the state’s least expensive city, with an average car insurance rate of $1,488 annually.
Car insurance costs differ from city to city in Pennsylvania, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Pennsylvania’s major 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.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Pennsylvania.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
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